What are the critical illnesses covered under Plan A in Critical Illness Policy?

Plan A covers you for the following critical illnesses: Cancer of specified severity Myocardial infarction (first heart attack) Stroke resulting in permanent symptoms Motor neurone disease with permanent symptoms Major organs/ bone marrow transplant Open chest CABG Coma of specified severity Kidney failure requiring regular dialysis Open heart replacement or repair of heart valves Permanent paralysis of limbs Multiple sclerosis with persisting symptoms

What are the critical illnesses covered under Plan A in Critical Illness Policy?

Apart from the ones mentioned in Plan A, Plan B covers you for the following additional critical illnesses: Angioplasty Benign brain tumour Blindness End stage liver failure Loss of speech Deafness End stage lung failure Major head trauma Primary (idiopathic) pulmonary hypertension Loss of limbs Major head trauma Primary (idiopathic) pulmonary hypertension Third degree burns

What is the survival period in Critical Illness Policy offered by The Oriental Insurance Company Limited?

A claim under the policy will only be admissible if the insured person survives the survival period of 30 days, after a critical illness has been diagnosed or the procedure is being carried out.

Can I enhance the sum insured of my Critical Illness Policy?

Yes. You can enhance your sum insured to immediately next sum insured slab after every 2 claim-free years, at the time of renewal.

What is the waiting period under Critical Illness Policy?

Critical Illness Policy comes with a waiting period of 90 days, calculated from the date of commencement of the policy. Only after this, the claims will be accepted.

Oriental Critical Illness Health Insurance Wordings

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Claim Settlement	Dedicated Team
Claim Settlement Ratio	93.96%
COVID-19 Cover	Yes
Network Hospitals	4,300+
Policies Sold	12,50,812
Renewability	Lifelong

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Oriental Health Insurance Plan List

Critical Illness (1)
Family (2)
Kids (1)
Maternity (1)
Woman (1)
Individual (3)
Parents (1)
Senior Citizen (1)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Happy Family Floater PolicyMin: 91 Days; Max: 70 Years	1 Lakh	Check Premium
PNB Oriental Royal Mediclaim 2017Min: 91 days; Max: 79 years	1 Lakh - 10 Lakh	Check Premium
Jan Arogya Bima PolicyMin: 5 years; Max: 70 years	5000	Check Premium
Corona Rakshak PolicyMin: 18 Years; Max: 65 Years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Happy Cash Min: 3 Months; Max: No Limit	500/day	Check Premium
HOPE (Health of Privileged Elders)Min: 60 Years; Max: No Limit	1 Lakh	Check Premium
Individual Mediclaim PolicyMin: 18 Years; Max: 70 Years	1 Lakh	Check Premium
OBC Oriental Mediclaim Policy 2017Min: 91 days; Max: 79 years	1 Lakh - 10 Lakh	Check Premium

Oriental Health Insurance Top Up List

Family (1)
Maternity (1)
Top-up (1)

Name of Plan	Sum Insured
Super Health Top-upMin: 91 Days; Max: 70 Years	3 Lakh	Check Premium

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FAQs on Critical Illness Policy Health Insurance Plan

What are the critical illnesses covered under Plan A in Critical Illness Policy?
Plan A covers you for the following critical illnesses:

Cancer of specified severity

Myocardial infarction (first heart attack)

Stroke resulting in permanent symptoms

Motor neurone disease with permanent symptoms

Major organs/ bone marrow transplant

Open chest CABG

Coma of specified severity

Kidney failure requiring regular dialysis

Open heart replacement or repair of heart valves

Permanent paralysis of limbs

Multiple sclerosis with persisting symptoms
What are the critical illnesses covered under Plan A in Critical Illness Policy?
Apart from the ones mentioned in Plan A, Plan B covers you for the following additional critical illnesses:

Angioplasty

Benign brain tumour

Blindness

End stage liver failure

Loss of speech

Deafness

End stage lung failure

Major head trauma

Primary (idiopathic) pulmonary hypertension

Loss of limbs

Major head trauma

Primary (idiopathic) pulmonary hypertension

Third degree burns
What is the survival period in Critical Illness Policy offered by The Oriental Insurance Company Limited?
A claim under the policy will only be admissible if the insured person survives the survival period of 30 days, after a critical illness has been diagnosed or the procedure is being carried out.
Can I enhance the sum insured of my Critical Illness Policy?
Yes. You can enhance your sum insured to immediately next sum insured slab after every 2 claim-free years, at the time of renewal.
What is the waiting period under Critical Illness Policy?
Critical Illness Policy comes with a waiting period of 90 days, calculated from the date of commencement of the policy. Only after this, the claims will be accepted.

Claim Process at Oriental Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Oriental Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Oriental Health Insurance
1800-118-48524x7
csd@orientalinsurance.co.in