Frequently Asked Qs About The Oriental General Insurance Policy

With headquarter in New Delhi, the The Oriental Insurance Company has 29 regional offices and 1,800 operational offices in various parts of India. Some of the frequently asked Qs by the customers and insurance seekers of The Oriental Insurance Company are mentioned here in this article:

Q 1: Does The Oriental Insurance Company offer any kind of discount to its policyholders?

Ans: Yes, the company offers discounts to its policyholders according to the plans they have purchased.

Q 2: Where should I contact get assistance related to the claim?

Ans: To get any details related to claim or procedure related to claim, you need to connect with the team of The Oriental Insurance Company.

Q 5: Why should I purchase an The Oriental Insurance Health Insurance policy?

Ans: The The Oriental Insurance Company enables its policyholders to follow a healthy lifestyle. The company has 4300+ hospitals in its network and dedicated service of TPA. The company has its 30+ offices in India and other countries (Kuwait, Nepal, and Dubai). The company enables you to have cashless treatment in all its network hospitals, offers many options for sum insured, good discounts, loading options, etc. The company as well provides maternity benefits, comprehensive cover, cover for critical illness, top-up plans, etc. These reasons are sufficient to opt for an insurance policy offered by Oriental Health Insurance Company.

Q 6: What is the process to apply for and purchase an The Oriental Insurance policy?

Ans: You can apply and purchase an insurance policy from The Oriental Insurance Company either online or offline. To purchase an insurance policy online, you should visit the official website of the company. For buying a plan offline, you can visit any of the nearest branch offices of The Oriental Insurance Company and purchase.

Q 7: What is the limit of premium up to which the senior citizens can get the tax benefit?

Ans: The highest premium amount up to which a senior citizen can get the tax benefit is Rs.50, 000.

Q 8: What should be the payment mode for getting the tax benefits over the premiums paid for an insurance plan of The Oriental Insurance Company?

Ans: To get tax benefits on the premiums that you have paid for your The Oriental Insurance policy; you have to select a payment mode other than cash.

Q 9: Am I eligible to get the tax benefits under the Health Insurance policies of the The Oriental Insurance Company?

Ans: Yes, you can get the tax benefits by purchasing a health insurance policy from the The Oriental Insurance Company.

Q 10: How soon should I inform about the hospitalization to the The Oriental Insurance Company?

Ans: You must inform the The Oriental Insurance Company as early as possible after the hospitalization, either it is an emergency hospitalization or planned.

Q 11: How many claims can I make with my Oriental Health Insurance policy?

Ans: There is no limitation on the number of claims you made in one policy year. However, it should be within the range of sum insured amount that is mentioned in your policy.

Q 12: For how long should I stay in the hospital to get the claim?

Ans: You have to stay at least 24 hours for becoming eligible to apply for a claim. However, there are some daycare procedures and treatments for which the hospitalization of 24 hours is not needed for filing the claim.

Q 13: Does health insurance policies of The Oriental Insurance exclude the pandemic disease?

Ans: No, pandemic diseases are not excluded in any of the health insurance policies offered by The Oriental Insurance Company.

Q 14: Does my Oriental Health Insurance policy provide coverage for COVID – 19?

Ans: Yes, if you have taken a health insurance policy from The Oriental Insurance Company, you are covered against COVID – 19.

Q 15: What is the basis to confirm COVID – 19 disease for filing a claim for it?

Ans: A positive COVID – 19 report from the Laboratory of Government Hospital or any of the authorized Labs for conducting the COVID – 19 test.

Q 16: What is the waiting period for availing the cover of COVID – 19 under the health Insurance policy of The Oriental Insurance Company?

Ans: There is no specific waiting period for getting the cover of COVID – 19 under a health insurance plan provided by The Oriental Insurance company. However, for all the new purchase of a health insurance policy, there is a waiting period of 30 days for most of the ailments and diseases except for an accident.

Q 17: What type of car insurance plans are provided by the The Oriental Insurance Company?

Ans: The basic insurance covers that are provided:

• Liability Only Plan: This car insurance policy is mandatory for all car owners. It provides coverage against the liability towards a third-party property or person.
• Package Plan: With the benefits provided by liability only policy, this plan also provides coverage against damage to your car because of an accident.

For extra protection, you can purchase an add-on as well.

Q 18: How much time does an The Oriental Insurance renewal take?

Ans: Your car insurance policy gets renewed instantly after paying the renewal amount. You will receive a confirmation through SMS or email with this a digitally signed policy document is also sent.

Q 19: I was supposed to get the No Claim Bonus after the first The Oriental Insurance renewal for my car. Why am I not getting that?

Ans: This reason for this issue can be the fact that you have filed a claim in your last policy tenure. However, if this is not the case with you and you are not getting the No Claim Bonus, then you must contact The Oriental Insurance Company.

Q 20: Can you tell me the premium amount for my vehicle?

Ans: The amount of premium for your vehicle insurance policy depends on many factors – its type, model, make, usage, CC, your past claim history, the place from where you have got your car registered, etc. Therefore, it is recommended to contact the underwriting office of The Oriental Insurance Company with the details of your vehicle so that they can provide you the exact premium amount that you have to pay.

Q 21: Why should I renew my car’s insurance policy?

Ans: Every insurance policy has a fixed tenure and after completing that, the policy expires. So, to prevent your vehicle insurance policy from getting expired, it is necessary to renew it. Moreover, when we talk about vehicle insurance, it is illegal to ply your vehicle on Indian roads.

Summing it Up!

Here are some of the common Frequently Asked Qs of The Oriental Insurance Company. For more details, you can visit the website of the company, call their toll-free number, or visit its nearest branch.