Paisawiki is a Part of
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Oriental Insurance company's website offers an online premium calculator. On the bottom of the page, there is 'Get a Quote' segment. By clicking on it and entering the necessary details of the insurance policy one wishes to purchase. One can also calculate Oriental health insurance premiums online by approaching any of the aggregator websites available.
Oriental Health Insurance Company is an Indian Public sector general insurance company set up in 1947 in Mumbai. It has 4300+ network hospitals with 1800+ offices all over India with an incurred claims ratio of 106.90%. The policy's suitability is for an individual and his dependents, offering 116 treatments as day care procedures. With lifetime renewability offering 10-20% discounts, there is no requirement of a pre-medical medial test for people who are less than 45 years of age.
The reasons why it is important to calculate an online premium quote are:
With over 170 general insurance and health policies available, one can conveniently choose the best premium quotes with the help of a premium calculator. Details to be entered are:
Oriental health insurance premiums can be calculated online through Paisawiki.com as well. Online premium calculation is an easy way to get the exact premium amount to be paid. One just has to follow a few simple steps to calculate the premiums through the health insurance premium calculator of Paisawiki. The steps are as follows:
|
Oriental Health Insurance Plan |
Sum Insured |
Pre-existing disease cover |
Eligible age |
Pre and post hospitalization cost |
|
Oriental Individual health insurance plan |
Rs 50000 – 5 lakhs |
A waiting period of 4 years |
Medical test for people over 45 years of age |
30 days of pre-hospitalization and 60 days of post-hospitalization covered |
|
Oriental Happy Family Floater Plan |
1.5 lakh – 10 lakhs |
A waiting period of 4 years |
Medical test for people over 60 years of age |
NA |
|
Oriental overseas Mediclaim plan |
Rs 50000 – 5 lakhs |
A waiting period of 4 years |
No medical test required |
NA |
|
Oriental Group Mediclaim Plan |
NA |
A waiting period of 3 years |
3 months to 70 years |
30 days of pre-hospitalization and 60 days of post-hospitalization covered |
|
Jan Aarogya Plan |
Rs 5000 per annum |
NA |
5 – 70 years |
30 days of pre-hospitalization and 60 days of post-hospitalization covered |
|
The health of privileged elder (HOPE) Plan |
1 – 5 lakh |
This plan covers only critical diseases |
60 years and above |
NA |
|
Pravasi Bhartiyia Bima Yojna |
Maximum - Rs 10 lakh |
Covers spouse and 2 children |
Children covered up to 21 years |
NA |
Besides the above, there are other health insurance policies available like:
A: Common exclusions are:
A: An individual can make an online payment using his
A: Within the free look period of 15 days, a policy can be cancelled, and a request must be applied online, and the refund of the entire premium paid will be made.
A: Organ transplants or buying of new organs is not covered, although the expense did towards organ donors is covered in the coverage of the insurance policy.
A: It is a misconception that a single or a young person, man or woman, does not need health insurance. Looking at the scenario of critical illnesses, accidental contingencies, and pandemics can affect anyone anywhere irrespective of age, gender, and nation. This needs to be covered appropriately for everyone. Even if the company's employer provides a cover, it is still recommended for an individual to buy a separate policy that can be customized according to individual needs and requirements.
