What is Oriental Insurance policy | Benefits, Buy and Renewal Process 2020 |

Definition of Oriental Insurance Policy:-

Oriental Insurance company is a type of Life Insurance corporation. Like other insurance company Oriental Insurance is very secured government aided company, which provides more benefits of Motor Insurance, Health Insurance, Accident Insurance, Home Insurance, Business Insurance and many other insurance. Oriental Insurance is A type of government security Insurance.

What is Oriental Insurance | Benefits, Buy and Renewal Process 2020 |

About Oriental Insurance Company:-

After Indian Independence, 12th September 1947 in Mumbai (old Bombay) Oriental Insurance Company has been started to grow first and now that date is indicate for the established date of Oriental Insurance company foundation date.

 Dr. A K Saxena is the managing director as well as a chairman of Oriental Insurance Company. In the year of 1949-50 this company made a record to gross benefits. In that year they finally made a premium worth 99,556 INR. In the year of 2013-14 they break every insurance companies record which is they made a premium worth of 7282.54 crore which never make any company.


History of Oriental Insurance Company:-

After Indian Independence, 12th September 1947 in Mumbai (old Bombay) Oriental Insurance Company has been started to grow first and now that date is indicate for the established date of Oriental Insurance company foundation date. In the years 1956-1976 this Oriental Insurance company was complimented of Indian Life Insurance Corporation. That times called before Nationalisation of Indian General Insurance Business. In the year of 2003 , all shares and benefits of Oriental Insurance companies goes to Indian General Insurance corporation. 


Branches of Oriental Insurance Company:-

This company starting point was Mumbai but now they stablished their own headquarters in Delhi which is the capital of India. This company has National and International branches too. International branches has been situated Nepal, Kuwait and Dubai. It has approximately 1850 branches all over the India and if we talk about regional branches, that number is approximate 33. In there more than 15000 employees working and it became rank top 3 general Insurance provider company. 



Types of Oriental Insurance:-

Oriental Insurance company is not stand for only one or two Insurance policy, they gave all type of Insurance policy, from personal accident to animals birds Insurance policy they give. Here we discuss about their every Insurance policy with plans. So read this article carefully. 

1. Health Oriental Insurance Policy:-

On every Insurance companies health insurance policy is most important and most attractive to people. Health means all medical related problems with medicine. Health Oriental Insurance plan give your recover money from doctor to medicine, when your budget got shorted. This plan save yourself and your whole family too. 

A. Health of Privileged Elders (HOPE) Oriental Insurance Policy:-

From the name Health of Privilege Elders (HOPE) we find that this Insurance policy obviously for elders. The minimum age limit of this policy is 60 years. This policy stand for those person who became hospitalized or suffered difficult disease. This policy plan recover you only some specified disease. In difficult disease conditions they recover from 1 lacks to upto 5 lacks. 

B. Individual Mediclaim Oriental Insurance Policy:-

It is individual policy type for only Indian. From 18 years to 80 years, all individual Indian are below to this Insurance policy. This Insurance policy cover your maximum amount of money. During hospitalisation they recover your health. Oriental Insurance policy recover you when you got suddenly illness, accident and suddenly suffering a difficult disease in the time of policy period. 


C. Family Health Oriental Insurance Policy:-

Short family got happy family. This Insurance plan covers any family members health coverage issue. All family members got benefits of this Insurance who insured with this policy you, your son, brother in law, parents. In a same time if two family members got suffered and hospitalised then they give whole recover of two patient. In your age upto 60 years medical examination dis not required for this Insurance policy. This policy appear in two plans - Golden Plan and Silver Plan. This policy only for Indians and injury in India. 


D. Group Mediclaim Oriental Insurance Policy:-

Group means many of people. In India, there are many group like as Institutions, Business, Association, Corporation Body or families where minimum 50 people are connected. Group Mediclaim Oriental Insurance Policy recover all members during hospitalisation, accident,  suffered critical disease,  any suddenly appeared disease or injury. They must be insured and it must be policy period. 


E. Jan Arogya Oriental Insurance Policy:-

Jan Arogya Oriental Insurance Policy is those people's who became injured or suddenly illness or for critical disease they got in hospitalisation. For in this case firstly Oriental Insurance didn't gave recover money. Someone from the patient party expenses recover amount then after expend the billing amount shown to this company and the company return the 90% of amount. They didn't recover full of amount. This Insurance policy has no minimum age limit. 


2. Oriental Motor Insurance Policy:-

This Insurance policy is not different from other Insurance policy but it gave more benefit compared than other companies. They recover your two Wheeler, cars, bike in case of damage, steal or damage of parts. Let's know step by step what they provide benefits. 

A. Car Oriental Insurance Policy:-

It is not ignore that most common sad events of a cars life is - Car Steal and Road car accident or Car damage. In this case if you insured of your car then you feel well and you recover your car by under this Insurance policy. It give you comprehensive coversfor you in the policy period. 

B. Commercial Vehicles Oriental Insurance Policy:-

Commercial vehicles means it is not personal use or any type of personal vehicles. Like other vehicles these commercial vehicles are running through roads. These vehicles are use for delivery of products, passenger carrying vehicles. These vehicles must be insured because of accident or steal, so when your commercial vehicles got accident insurance companies give comprehensive recovery to your vehicles and health too.

C. Two Wheeler Oriental Insurance Policy:-

This two Wheeler Oriental Insurance policy is not different from car insurance or commercial Insurance policy. In case of damages by natural climate or man made then the Oriental Insurance company recover your two Wheeler. If your two Wheeler got steal then also this company recover your two Wheeler and the fine of your became reduce if your bike have an tracking device. 


3. Oriental Travel Insurance Policy:-

This oriental travel insurance helps to travel street free. This insurance apply for business travelling, holiday travel or family travel etc. In case of travelling, your bags were stolen or you or your family injured by accident then this oriental Insurance company helps you to recover. This company provides you to best travel insurance plans with biggest benefits. 

A. Mediclaim Employment and Study Oriental Insurance Policy:-

This Mediclaim Employment and Study Oriental Insurance is for those who read for study in foreign or who work as an employment and this category is goes to travel insurance. This insurance has a time period. Minimum period started from 2 month to maximum 12 months. The insured person of sum is $75500 . Renewable available if any time anywhere by online and offline. Payment will be in US dollar as varies of country. 


B. Mediclaim Business and Holiday Oriental Insurance Policy:-

This Mediclaim Business and HolidayOriental Insurance is for those who goes for business in foreign or who go for trip in holiday with family or partner or freinds or official holiday trips. In this insurance must required critical condition of health and must of Indian Resident. This insurance has a time period. Minimum period started from 2 month to maximum 12 months. The insured person of sum is 50000 INR to 500000 INR. Renewable available if any time anywhere by online and offline. Payment will be in US dollar as varies of country. 



4. Airline and Marine Oriental Insurance Policy:-

This is the best insurance policy for Aircraft and Marine employees. In compare to other general insurance companies, Oriental Insurance company give more benefits for these employees. They give - License loss insurance, Parsonnel Accident Insurance, Fuelling or refuelling Activation Insurance, Liability of Aircraft Insurance, For Marine and Aircraft all activation fuelling or refuelling liability insurance and much more. War insurance also include of this policy. 



5. Birds and Animals General Oriental Insurance:-

This insurance policy only for Birds and Animals. These birds and animals may be him/her personal or may be use for any commercial or may be business purpose and if you insured these birds or animals then you should be feel stress free for treatment of your birds and animals. There are many types of birds and animals insurance - Camel Insurance, Dog Insurance, Cat Insurance, Cattle Insurance, Duck Insurance, Elefant Insurance, Unborn Calf Insurance, Sheep Insurance, Goat Insurance, Rabbit Insurance, Pig Insurance, Horse and Donkey Insurance, Calf Insurance etc.



6. Poultry and Agriculture/ Plantation Oriental Insurance Policy:-

This insurance is for the person whose occupation is  Fisherman, Farmer, Horticultur. Such other people also like as Tea Plantation, Coffee Plantation, Coconut tree planting, Rose plantation etc. They have a policy that is when a year they have loss by natural victims like as flood or rain then this Oriental Insurance company recover to that farmer if he insured his land. In this category policies are:-

  1. Tea Planting Insurance Policy
  2. Coconut planting Insurance Policy
  3. Rose Planting Insurance Policy
  4. Coffee Planting Insurance Policy
  5. Aquaculture Insurance Policy
  6. Insurance Policy of Honey Bee
  7. Insurance Policy of Hut
  8. Insurance Policy of Silk Worm
  9. Insurance Policy of Poultry
  10. Insurance Policy of Biogas Plant
  11. Insurance Policy of Fish of Fresh Water
  12. Insurance policy of Land
  13. Insurance Policy of Apple
  14. Insurance Policy of Failed Seed


7. Industry and Engineering Insurance Policy:-

Oriental Insurance company launched various insurance policies for Engineer and business industry employees. Here we provide many names of this industrial Insurance policies which launched by Oriental Insurance Company after 1950.
  • Insurance Policy of Liability
  • Insurance Policy of Machinery Breakdown
  • Insurance Policy of Standard fire and Material Damages
  • Insurance Policy of Non Industrial Public Liability
  • Insurance Policy of Loss of Profits
  • Insurance Policy of Product Liability Policy
  • Insurance Policy of Profit of Machine
  • Insurance Policy of All Risk 'C' Industrial
  • Insurance Policy of Contractors


8. Business Oriental Insurance Policy:-

Oriental Insurance policy is launched for business purpose too. In business there came many type of losses, marketing value losser then this condition if your business insured by any about Insurance policy in given below then you may be recover your losses. Here we provide the names which launched by Oriental Insurance Company:- 
  1. Oriental Insurance Policy for money
  2.  Oriental Insurance policy for jewellers
  3.  Oriental Insurance policy for bulgari
  4. Oriental Insurance policy for fidelity
  5.  Oriental Insurance policy for electronic equipment
  6.  Oriental Insurance policy for money transfer from bank. 

9. Liability Oriental Insurance policy:-

 it is mainly according to business. in this type of insurance liability come over hole the business and take part of losses. So Oriental insurance recover it if you insured your business. There are many type of liability insurance policies -  insurance policy of sport,  insurance policy for officer,  insurance policy for directors,  insurance policy for managment, insurance policy for accountants, insurance policy for stock brokers, insurance policy for doctors, insurance policy for nursing homes etc. 



10. Personal accident Oriental Insurance policy:-

One of the most important Oriental Insurance policy is personal accident Oriental Insurance policy. We don't know when accident come to our life and   come around the persons injury or health it may very costly.   sometime we don't have enough financial money to recover the injury of the accident. Then   our mind go to restless. If we have taken or ensure any accidental insurance then this insurance policy may be overcome our accident financial problem. Oriental Insurance policy has launched some types of personal accident policy. Now we discuss every accident insurance policy:-


A. Nagrik Shuraksha  Oriental Insurance policy:-

Nagrik Shuraksha Oriental Insurance Policy is one of the most important accidental insurance policy. It may help of the condition in which the insured person or insured group of any person hospitalised. Benefits goes to only Indian citizens. It has two category depending upon age limit. One is five to 70 years and another is 17 to 70 years. 5 years to 70 years is for family pakages and 17 years to 70 years for individuals or group coverage.


B. Group Personal Accident Oriental Insurance Policy:-

There are some criteria for eligible to this insurance:- permanent or temporary disabled, suddenly Death, Groups injury in sustains, solely accident, Eyesight loss, Limbs loss etc. The insured person must be an Indian Citizen.


C. Personal Accident Oriental Insurance Policy for Individuals:-

There are some criteria for eligible to this insurance:- permanent or temporary disabled, suddenly Death, Groups injury in sustains, solely accident, Eyesight loss, Limbs loss etc. The insured person must be an Indian Citizen. This is only for personal or individual person.


D. Janata Personal Accident Oriental Insurance Policy:-

Janata means people. It is only for Indian citizens. Conditions are permanent or temporary disabled, suddenly Death, Groups injury in sustains, solely accident, Eyesight loss, Limbs loss etc.


E. Personal Accident Oriental Insurance Policy:-

This insurance gets in the condition of permanent or temporary disabled, suddenly Death, Groups injury in sustains, solely accident, Eyesight loss, Limbs loss etc. The insured person must be an Indian Citizen.


F. Gramin Accident Oriental Insurance Policy:-

Coverage of this insurance policy is only for Gramin areas means rural area or not developed areas. The age limit of this insurance policy is 17 years to 70 years. Sometimes age limit are change due to depends upon income or jobs etc. The condition for applying this insurance is :- permanent or temporary disabled, suddenly Death, Groups injury in sustains, solely accident, Eyesight loss, Limbs loss etc.


G. Jan Arogya Bima Oriental Insurance Policy:-

Eligibility under this insurance policy is Hospitalization or critical condition of health. The age limit of this insurance is 5 years to 70 years. For adult and child's who not greater than 25 years, they can give as much as low premium like as 70 rs for adult and 50 rs for child's. There haven't any sublimit to get benefit upto 5000 rs per person per annum.


11. Home Oriental Insurance Policy:-

Home or house is dreamland of our life. We make our dreamland by enough money or enough investment. Our home may be damages by man made disaster or natural disasters. So we need to protect our home as much as we want or possible. Protect our house is much responsibility for us. In this condition find a better insurance company like Oriental Insurance company. Then buy your home insurance policy. During insurance period your home got any damages then all compensation gives that insurance company. In the case of damages to house like breaking, fire, natural disasters, man made disasters etc or laptop damages, freeze damages, bicycle damages insurance also available in this policy.


How to Buy Oriental Insurance Policy:-

There are many website and many company and many ways to buy Oriental Insurance Policy. Mainly it is Offline and Online. For offline go to any insurance distribution company and buy your Oriental Insurance. For online there is many subway and many main ways. Subway means many website to provide this insurance and main way means go to official website and contact them and buy your Oriental Insurance policy that you need.


Payment Process for Oriental Insurance Policy:-

Every company has online and offline payment process so in case of Oriental Insurance company, they have also online and offline payment process.

Online Payment Process for Oriental Insurance Policy:-

This is the age of online. Everything do via online today. The payment process is not far away, this is become too nearly and more than 3-7 click away from payment page. Visit payment page and click and fill your payment details to make a successful payment. Payment done through many way via National Or International Credits Card oe Debit Cards, MasterCard Rupay Card, Visa Card, UPI, NEFT, PayPal, E-Wallet and internet banking etc.

Offline Payment Process For Oriental Insurance Policy:-

There are many ways to pay offline. Such as go to Clint or Agents of oriental insurance companies or go to nearest branches of your oriental insurance companies.


Oriental Insurance Companies Calculator:-

Insurance calculator is very helpful for buying any type of insurance policies. Every companies provide their own calculator in their website. This calculator is very easy for use. For use of this calculator they need some information like date of birth, age, annual income etc. For buying any premium insurance policies, you need to check first and calculate your value of premium.



How You Process A Claim By Oriental Insurance Policy:-

It is very easy to process and fill a claim of Oriental Insurance Policy. There are methods for filing this claims. In the Oriental Insurance form there are two main methods for claim. That's are claim of reimbursement and another one is claim of Cashless.



Documentation of Oriental Insurance Policy:-


  1. Must Filling Oriental Insurance Policy Forms. 
  2. Recovery of Medical Reports
  3. Police Accident Report
  4. FIR Reports for Accident
  5. Employees leaving certificate
  6. Reports of discharge from hospital
  7. Medical Treatment Reports
  8. In case of medical, reports of billing or cash memo receipt attached to prescription
  9. Tests Original Reports (Ultra sonography, X-Ray, Blood Tests, ECG etc) 
  10. Nursing home registration number, bed number etc. 


How I Renew my Oriental Insurance Policy:-

Renewable of Oriental Insurance policy is very easy through online. Just few click away. For car insurance, bike insurance, health insurance it is very easy to renew. Visit there official website https://orientalinsurance.org.in/
And click 'Renew Online ' then fill the details they want then make payment and next your renew process complete. 

What is Oriental Insurance | Benefits, Buy and Renewal Process 2020 |


Frequently Question Answers ( FAQ of Oriental Insurance Policy) 

Q-1. what is insured code in oriental Insurance policy? 
Answer - Insured code is very important code for your insurance policy. By filling a insured code you find your insurance policy or insurance premiums plans. Go to this website https://orientalinsurance.org.in/ and fill your insurance code and date of insurance then you find all details of your insurance policy. 
What is Oriental Insurance | Benefits, Buy and Renewal Process 2020 |

Q -2. How to Download Oriental Insurance Policy? 
Answer - Download full details of Oriental Insurance Policy is very easy. You can read full details of policy our website or click here

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