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Oriental Health Insurance Premium Calculator
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
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Oriental Health Insurance Premium Calculator

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.

Why Calculate Health Insurance Premium Online?

The reasons why it is important to calculate an online premium quote are:

  • The exact cost that one will incur on a specific policy can be ascertained in one click.
  • If the premium is not affordable, the details can be modified, and one can accordingly deduct or include riders or additional benefits.
  • One can compare prices of different plans available on the website.
  • The coverage benefits can be enhanced and suitable to one's pocket by adding other riders or benefits. One can finalize the policy which is the most affordable and suitable for the individual.

Benefits of Using Oriental Insurance Premium Calculator

  • Saves Time and inconvenience: within a few minutes, one can find the most suitable policy he/she can afford and buy with the help of the online premium calculator. Several other calculations can be avoided, and the buyer does not need any third-party advice or recommendation as with a procedure, everything can be clear to him.
  • Gives a Good Starting Point: With an estimated amount of the total cost to be paid, an individual can assess the plan and the premium with which the policy can be bought, which gives a good start in buying a policy after thorough research and analysis of various available online policies.
  • Transparency by Comparing Insurance Plans: with the online insurance premium calculator, one can derive different premium rates for various policies, and the individual can settle for the best policy as per his needs and requirements.

How to calculate the premium of Oriental Insurance policies online?

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:

  • Age of the applicant
  • Policy term chosen
  • Medical history
  • Coverage details and the plan opted for
  • Sum insured of the plan
  • Details of the policy that needs to be purchased
  • The above details can be modified as per choice, and the premium to be paid can be determined by clicking on ‘get a quote’ tab.

Steps of Using Health Insurance Premium Calculator Online

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:

  • To calculate the premium online, one must visit the official website of Paisawiki.com.
  • Select the plan of the preference & click on 'calculate the premium.'
  • On clicking the 'calculate the premium' option, on the next page some details need to be entered such as date of birth, the sum insured, etc.
  • Next click on 'Calculate the premium details.'
  • The premium value will be calculated.
  • Pay the premiums online and get the policy.

Types of Health Insurance Policies Available at Oriental Insurance Company 

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:

  • Group Mediclaim policy for bank employees or account holders
  • Oriental Bank Mediclaim policy
  • PNB Oriental Royal Mediclaim Policy
  • Thana Janta Sahakari Bank Mediplus Policy 

FAQs

  • Q: What are the exclusions under Oriental health plans?

    A: Common exclusions are:

    • Self-inflicted injuries or suicide
    • Injury caused due to war, revolution or nuclear explosion
    • Illegal activities
    • Adventure activities or sports ventures
    • Any sexually transmitted diseases like AIDS, HIV, etc.
  • Q: What are the various modes of payment of premiums?

    A: An individual can make an online payment using his

    • Credit card
    • Debit card
    • Net banking details
    • RuPay
    • IMPS or NEFT
    • UPI
    • E-wallet
  • Q: What if I want to cancel the policy for which the premium has already been paid?

    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.

  • Q: What kind of medical expenses are not covered by the Oriental Medical insurance policy?

    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.

  • Q: Does a woman in her 20s need separate medical insurance done?

    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.

Written By: Paisawiki - Updated: 22 September 2020

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