Oriental Insurance Policy

Frequently Asked Questions About The Oriental General Insurance Policy

If you’re on the hunt for a reliable and efficient insurance provider in India, look no further than The Oriental Insurance Company. 

With over 70 years of experience under their belt, this public general insurance provider is a popular choice for policyholders across the country. 

From motor to health to marine insurance, they’ve got you covered. But with so many options to choose from, it’s natural to have some questions. 

That’s why we’ve put together this handy guide to answer some of the most “Frequently Asked Qs about The Oriental Insurance Policy”. So, whether you’re a current customer or a curious insurance seeker, keep reading to learn more!

List Of Frequently Asked Questions About The Oriental Insurance Company

Looking for information about The Oriental Insurance Company and what they offer? Here are some,

Are there any discounts available for policyholders of The Oriental Insurance Company?

Yes, the company offers discounts to its valuable policyholders based on the plans they have purchased. The discounts are offered based on factors such as the age of the policyholder, the duration of the policy, the amount of the premium, and other factors.

Who can I reach out to for help with a claim?

If you need info about a claim or how to file one, just hit up the crew at “The Oriental Insurance Company.” They’ll get you sorted with all the deets you need! You can contact their customer care team on their toll-free number or visit any of their branch offices for assistance.

How To Buy Oriental Insurance Policy Online & Offline?

Are you in the market for insurance? Oriental Insurance offers policies that can be purchased online or offline, making it easy for you to find coverage that fits your needs so wanna know how to buy oriental insurance policy online & offline.

What are the benefits of buying an Oriental Insurance Health Insurance policy?

  • The Oriental Insurance Company enables its policyholders to follow a healthy lifestyle. They offer access to over 4300 hospitals in its network and dedicated service of TPA.
  • The company has 30+ offices in India and other countries as well. This makes it easier for customers to connect with them.
  • The company enables you to have cashless treatment in all its network hospitals and offers many options for sum insured, good discounts, loading options, etc.
  • They also provide maternity benefits, comprehensive cover, coverage for critical illness, top-up plans, and more.

So, these reasons are sufficient to opt for an insurance policy offered by Oriental Health Insurance Company.

What payment mode should be selected to get tax benefits on premiums paid for an Oriental Insurance policy?

To get tax benefits on premiums paid, select a payment mode other than cash.

Can I get tax benefits by purchasing a health insurance policy from “The Oriental Insurance Company”?

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

What are the options to apply for and purchase an insurance policy from The Oriental Insurance Company?

You can apply and purchase a policy either online by visiting their official website or offline by visiting any of their branch offices.

What is the maximum premium limit for senior citizens to get tax benefits?

The highest premium amount up to which a senior citizen can get tax benefits is Rs.50,000.

When should I let The Oriental Insurance Company know about my hospitalization?

You should inform them as soon as possible, whether it is an emergency hospitalization or a planned one.

Does Oriental Health Insurance policy exclude pandemic diseases?

No, pandemic diseases are not excluded from any health insurance policy offered by “The Oriental Insurance Company”.

What is the basis for confirming COVID-19 disease for filing a claim?

You need a positive COVID-19 report from the Laboratory of Government Hospital or any authorized lab for conducting the COVID-19 test.

How long do I have to wait before I can use the COVID-19 coverage in The Oriental Insurance Company’s health insurance policy?

There is no specific waiting period for getting the cover for COVID-19 under a health insurance plan provided by the company. However, for all new purchases of a health insurance policy, there is a waiting period of 30 days for most ailments and diseases, except for accidents.

Is there a limit on the number of claims I can make in a policy year?

No, there is no limitation on the number of claims you can make. However, it should be within the sum insured amount mentioned in your policy.

How long do I have to stay in the hospital to get the claim?

You must stay at least 24 hours to become eligible to apply for a claim. However, for some daycare procedures and treatments, hospitalization of 24 hours is not necessary for filing the claim.

Which car insurance plans does The Oriental Insurance Company offer?

The Oriental Insurance Company provides two types of car insurance plans. (i.e.) Liability Only Plan and Package Plans. 

  • The Liability Only Plan is mandatory for all car owners and provides coverage against liability towards a third-party property or person. 
  • The Package Plan includes the benefits provided by the Liability Only Plan and also covers damage to your car due to an accident. You can also purchase add-ons for extra protection.

How long does it take to renew “Oriental Insurance”?

Your car insurance policy gets renewed instantly after paying the renewal amount. You will receive a confirmation through SMS or email, and a digitally signed policy document will be sent to you.

What is the premium amount for my vehicle?

The premium amount for your vehicle insurance policy depends on various factors, such as your vehicle’s type, model, make, usage, CC, past claim history, and place of registration. 

To get an exact premium amount, it is recommended to contact the underwriting office of The Oriental Insurance Company with your vehicle’s details.

What is the benefit of renewing my car’s insurance policy?

It is necessary to renew your car’s insurance policy to prevent it from getting expired. Moreover, driving an uninsured vehicle on Indian roads is illegal. Therefore, renewing your car insurance policy is important to stay protected and abide by the law.