Guide to The Oriental Insurance Plans & Features

The Oriental Insurance Company Limited is one of the most reputed and trusted insurance provider in India since its inception in the year 1947. Since its incorporation at Bombay, it has spearheaded an array of insurance products to meet the needs of people from all the walks of life. The Oriental Insurance has been well known in the market for designing unique general insurance plans to meet the needs of people involved in projects such as power plants, petrochemical, steel, and chemical plants. Moreover, you can easily buy policies online in the most convenient manner.

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Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    What Makes The Oriental Insurance a Preferred Choice?

    Besides being one of the oldest companies in the market, check out the other benefits that make Oriental Insurance an ideal choice -

    • The Oriental Insurance offers a diverse plethora of products and services which include Health Insurance, Travel Insurance, Motor Insurance, Home Insurance, and Shopkeeper Insurance among others.
    • The Oriental Insurance offers their services and products to people from various brackets such as middle-income, low-income, and high-income groups.
    • The Oriental Insurance Company has a well-trained and highly motivated workforce. The professionals/experts formulate the plans after proper research, considering the changing demands of the market
    • The company has a highly qualified, proficient and skillful team of executives to offer the best customer services.
    • Easy to calculate premium using Insurance Premium Calculator
    • High Incurred Claim Ratio of 126.66%

    Insurance Services/Products Offered by The Oriental Insurance Company

    The Oriental insurance offers numerous policies are such as Health, Travel, Home, Car, Bike, Business, and Agriculture and so on.

    1) Oriental Health Insurance:

    Oriental Health Insurance plans to ensure that your family and you are protected against any unanticipated medical emergencies. It offers one of the beneficial health covers to safeguard you from the financial burdens during unforeseen medical circumstances that are beyond your control. The main aim of Oriental Health Insurance is to lessen the burden of the insured person from high medical costs/expenses.

    Oriental health Insurance offers tax saving benefits, lifetime renewal option, fast claim settlement service, easy portability (quick transfer of Health insurance policy from one company to another) and free health check-ups. Almost all the health insurance policies cover pre and post-hospital costs, emergency ambulance charges and costs of the hospital room, medicines etc. To know the premium you can use Oriental health insurance premium calculator.

    2) Oriental Travel Insurance:

    Oriental Travel Insurance policies provide coverage in case of any unprecedented and unfortunate circumstances that might take place while traveling abroad or within India. Any unfortunate event or happening can disrupt your travel and incur heavy financial losses.

    Oriental Travel Insurance plans cover trip interruption, flight delays, flight cancelations, medical urgencies, and evacuations in. It offers a comprehensive coverage for your family and you during international travel and helps you enjoy your trip peacefully.

    3) Oriental Motor/Vehicle Insurance:

    Oriental Insurance Company provides a number of motor insurance plans for your car, scooter, bikes and any two-wheelers.  Oriental Motor Insurance is a specially formulated policy to safeguard the vehicle and the own vehicle from various damages and loses. Oriental Insurance provides both third party and comprehensive coverage facilities. One can choose various features to secure their ride and can adjust inclusions and add-ons as per their requirements. The premium will vary based on the sum insured. To know the premium you can use Oriental vehicle insurance premium calculator.

    Oriental car and two-wheeler insurance makes your ride/drive anywhere stress-free and secures your vehicle from any unwanted risks. Moreover, cashless repair is available at more than 3100 network garages.

    The Oriental Insurance Plans/Policies

    The Oriental Insurance Company Ltd has formulated a number of policies keeping the different needs of the customers in mind. Here is a list of some of its well-known policies.

    • Individual Mediclaim Policy: Individual Oriental Mediclaim Policy covers individual hospitalization expenses. It is an individual policy that covers various diseases, accidental injuries, surgeries, and other unforeseen medical conditions. The policy can be easily purchased online.
    • Overseas Mediclaim Policy:  It is designed to secure you and your family from any health hazards while traveling abroad. It promises you peace of mind during the trip.
    • Happy Family Floater Policy: It is a uniquely designed family floater policy that offers protection to the whole family under one plan. It comes in three different variants i.e. Silver, Gold & Diamond plan.
    • Janata Personal Accident Policy: This plan offers insurance cover to people between 10 and 80 years of age. It is an affordable plan and the cost of the premium is kept minimal for people across all the income groups.
    • Oriental Happy Cash Policy: This plan has been specifically crafted to provide daily cash allowance up to a specified limit for non-medical expenses during the hospitalization. It helps to tackle financial expenses incurred during the hospitalization, which otherwise can create a panic situation and stress. 
    • Oriental Householder Policy: It offers a comprehensive cover for your house and any damage taking place within your house premises. It provides protection against unforeseen circumstances like loss due to fire, accident etc.
    • Nagarik Suraksha Policy: The Nagarik Suraksha Policy offers personal/individual accident cover in case of permanent total and partial disabilities, death and the likewise.  The hospital/medical costs are recompensed as per the policy terms and conditions.
    • Oriental Car Insurance: Oriental Car Insurance policy safeguards your car against theft and accident and any other unforeseen damages. It provides both third party and comprehensive cover. 
    • Oriental Two Wheeler Insurance: It is specifically designed to safeguard your bike/scooter against any third party liabilities and personal damages. One can avail special add-on to enhance the cover.
    • Oriental Insurance Group Mediclaim Policy: The Insurance group mediclaim policy is available to any Group, Institution, Association and Business/ Corporate Body of not less than 50 people.

    You can easily calculate the premium for all by using oriental insurance premium calculator online.

    Claim Procedure Followed by The Oriental Insurance

    The Oriental Insurance claim process is quick, easy and simple. However, it is important to know the claim settlement for different insurance plans as per the company policies.

    The claim settlement process for all the policies is different. While filing a claim with the insurer, you need to keep the following things in mind -

    • Inform the insurer as soon as early as possible
    • While filing a claim, you are required to furnish all the authentic reports, certificates and papers to avail the policy benefits.
    • As soon as the claim approval process is completed, your claim will be settled by Insurance Company Ltd within the stipulated time limit.

    Easy Oriental Insurance Online Renewal Process

    It is advisable to renew the policies online as it saves both time and effort. The online renewal process is faster and you can easily compare insurance quotations online as per your own convenience.

    Remember, getting your policy renewed before the deadline is as crucial as buying one. Here are some key steps to follow to renew any of your Insurance policies.

    Also, keep in mind to adhere to the policy guidelines. For online renewal of any Insurance policy, follow these easy steps.

    • Open The Oriental Insurance Company’s official website and Sign up (for a new account) or Sign in (existing account).
    • Provide all the correct/required details
    • Select the Policy Renewal option
    • Further, insert your personal policy number for instant renewal
    • The next step will require you to make an online payment. However, it is recommended to double check your policy number before making the payment to avoid further issues.
    • After you have made the payment online, the procedure stands successfully complete.
    • You will get a soft copy of the renewed policy on your registered email address.

    An adequate insurance cover is the need of the hour to live a secure and peaceful life. Remember problems won’t knock your door before coming. You need to be prepared in advance to deal with them. Buy an insurance policy from The Oriental insurance company and enjoy your peace of mind.

    Written By: PolicyBazaar - Updated: 26 July 2021

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