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Oriental Insurance

"Oriental Insurance Company Limited was established on 12th September 1947 at Bombay. It was a wholly owned subsidiary of the erstwhile Oriental Government Security Life Assurance Company Ltd. It was a subsidiary of Life Insurance Corporation of India from 1956 to 1973. In 2003 all shares of our Company held by the General Insurance Corporation of India were transferred to the Central Government. Effectively manage our reinsurance operations. Effectively manage our investments for optimising yield Oriental Insurance made a modest beginning with a first year premium of Rs. 99,946 in the year 1950 and since then the Oriental Insurance has pioneered various general insurance products in India and has earned a reputation in the Indian Insurance industry for its smooth and orderly accomplishment of the general Insurance business.

In 2015-16, Oriental General Insurance earned a Gross Direct Premium Rs. 8611 crores.

Oriental Insurance has its Head Office at New Delhi with another 29 Regional Offices and nearly 1800+ operating offices in various cities of the country. The Company has overseas operations in Nepal, Kuwait and Dubai and has a total strength of around 13500 employees. The gross premium at the end of the year 2018-19 the premium figure stands at Rs.13199 crores. The total manpower strength of the company is about 14,000+ employees. Oriental insurance offers individual and industrial based insurance products. Apart from providing insurance to individuals and their families, it also provides products to large corporate and industries like power plants, steel and chemical plants, petrochemical industry etc. OICL also focuses on catering the insurance needs of both rural and urban segment and hence has developed insurance products accordingly.

The Oriental Insurance Company Limited

Company Name	The Oriental Insurance Company Limited
Company type	Public sector
Establish Date	12th September 1947
Headquarter	New Delhi, India
Industry	Insurance, Financial services
Products	Insurance
Operates in	All over India, Nepal, Kuwait and Dubai
Website Address	www.orientalinsurance.org.in

Health Insurance Plans in November 2024

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Reliance General Insurer

Amount Covered: ₹ 1 Lakh

Deal Price: ₹ 2,094 / Year

Waiting period: 4 yrs

Oriental Insurance Company Mission Vision

The vision of Oriental insurance is, "To be the most respected and preferred Non-Life Insurer in the markets we operate."

The objective or a mission of the OICL:

Act as a financially sound corporate entity with high business ethics
Implement best human resource development practices to build a highly efficient, dedicated and motivated workforce with high morale and moral values
Optimally utilize the information technology infrastructure
Provide excellent customer service
Run the business profitably through prudent underwriting and efficient and proper claim management
Effectively manage our reinsurance operations
Effectively manage our investments for optimising yield
Have effective risk management systems
Improve the penetration of non-life insurance by proper underwriting, innovation and marketing
To evolve as a vibrant and dynamic leading non-life insurer

Source: orientalinsurance.org.in

Financial Growth of Oriental Insurance

Oriental Insurance Company began its operations in 1950 with a first-year premium of Rs. 99,946. And soon, in 1973 the Gross Premium increased to Rs. 58 crores. While, the GDP Income in India during the year 2014-15 (Audited) was Rs.7561.93 crores and the Premium Income outside India was Rs.153.97 crores. The Gross Direct Premium in India and abroad showed a growth of 3.83%. The Net Premium Income (Domestic and Foreign), on the other hand grew by 1.42% to Rs. 6472.39 crores in 2014-15.

Claims Ratio for Financial Year 2018-19:

Motor: 112.62%
Health: 108.80%

Oriental Insurance Offers

Oriental Insurance Company offers various types of general insurance such as two-wheeler, car, health, travel, etc. to meet their customer's demand.

To meet the growing need of insurance products, NIC provides different types of general insurance products such as motor insurance, health insurance, travel plans, rural insurance, industrial risk coverage plans, catering individuals and commercial requirements. Each insurance product has variants to meet different needs of different customers.

Oriental Insurance Products and Services

Motor Insurance

Oriental Insurance offers motor insurance plans to cover your vehicle against any damages that may be incurred to you or by your vehicle. Motor insurance plans keeps you financially protected in case of an unfortunate accident that may cause disability, property damage, or death.

Oriental offers motor insurance for cars and two wheelers. You can insure your car and two wheeler and stay financially protected.

Oriental Car Insurance Policy

Oriental Car Insurance offers full coverage to cover any damages or loss incurred to your car.

Car Insurance Plans

Oriental insurance offers two types of car insurance plans:

Third party liability car insurance

The oriental third party liability policy is a way to stay financially protected against any loss or damage caused from the insured car due to an accident to the third party. Third party property damages and bodily injury is covered. Moreover, the third party legal liability is covered to offer protection against any unseen legal liability arising due to accidental damages or permanent injury or death of a person. The third-party sum insured limit is up to Rs. 7.5 lakh.

Under the third-party cover, you also get covered against accident. The owner-driver gets a personal accidental cover with a coverage up to an amount of Rs. 2 lakhs in the case of death or permanent disability caused while driving the insured car.

Comprehensive car insurance

The private car Insurance plan offered by Oriental Insurance covers your car against any loss or damage caused due to earthquake, explosion, storm, flood, fire, landslide, rockslide, etc.

The car insurance is valid for 1 year and has to be renewed. The exclusive feature under oriental comprehensive car insurance plan is Emergency Service through TVS in the State of Delhi & NCR, Punjab, Haryana, Himachal Pradesh, Rajasthan, All Southern States, Mumbai and Kolkata in case of breakdown of your car. The best part is that it costs you nothing.

Oriental Two Wheeler insurance Policy

Oriental offers full coverage against any damages or loss incurred to your two wheeler.

Two Wheeler Insurance Plans

You can opt for either of the two wheeler insurance plans offered by the oriental insurance company:

Third party liability two wheeler policy
Comprehensive two wheeler insurance

Third party liability two wheeler insurance

The third party two wheeler insurance offered by the Oriental Insurance Company protects you against any financial losses incurred to the third party due to the insured bike.

This policy covers financial losses in case of any third party property damages, bodily injury, disability or death due to the insured two wheeler. The policy covers the third party legal liability arising due to accidental damages or permanent injury or death of a person.

Moreover, the owner-driver is covered against accidental losses up to an amount of Rs. 2 lakhs in the case of accidental death or permanent disability.

Comprehensive two wheeler insurance

You can cover your two wheeler with an insurance plan offered by Oriental Insurance, which covers you financially against any loss or damage caused due to earthquake, explosion, storm, flood, fire, landslide, rockslide, etc. on to your two wheeler. With a comprehensive two wheeler insurance, you can cover your two wheeler against natural and man-made perils including vehicle theft. Under the Oriental Motor Insurance, no compensation is provided for a body Injury or death arising as a direct or consequential event due to usage of liquor or any drug or narcotic substance or as an act of suicide attempt or self-sustained injury.

Health Insurance

Oriental Insurance Mediclaim Plans

The list of all health plans of Oriental Insurance is as follows:

Individual Mediclaim Plan: Oriental Individual Mediclaim plan is designed to protect an individual in sturdy times due to medical exigency. The plan offers comprehensive Protection for any hospitalization expenses in India incurred due to a sudden illness or accident. Any resident individual only up to the age of 80 years can avail this insurance scheme and get insurance benefits for amounts ranging between Rs. 50,000 to Rs. 50 lakhs. Under the scheme one can avail the benefit of cashless treatment at any network hospitals. The benefits can also be doubled with as family package with attractive discounts on premium.

Happy Family Floater Plan: This is an all-inclusive family comprehensive health protection insurance floater plan wherein a consolidated sum Insured is offered for the entire family. One of the striking features of oriental family health care plan is inclusion of pre-existing diseases after 4 years. Also family member less than 60 years need not to undergo any medical checkup. The plan is available under 2 variants, which are Gold Plan and Silver Plan.

Gold Plan: The plan comes with an integrated cash allowance feature as per the sum insured limits, which could be between Rs 6 lacs to 10 lacs on a family floater basis. Apart from the other regular benefits, the features of Personal Accident cover as well as Life Hardship Survival Benefit makes this plan distinctive from other group plans available in the market.

Silver Plan: The provision of daily cash allowance is also included under this plan. The sum insured offered is between Rs 1 to 5 lacs on a family floater basis.

Overseas Mediclaim Plan: With Oriental India Travel Insurance plans a person travelling abroad can enjoy his trip without the trepidation of his personal health or the baggage he is carrying. The plan offers complete protection for all travel-related expenses, including medical & health related emergencies. The value added services such as Trip advisory, emergency cash assistance& ambulance services makes this much more money spinning. The sum insured is between 50,000 to 5 lakhs. The cashless services are also offered for any medical treatment done overseas in affiliation with Coris International. The plan is customized as per the need and purpose of travelling. The category under which this plan is offered is plan available as per requirement of the traveler.

Individual travelling abroad on Business or Holiday
Students travelling abroad for Studies.
Employees travelling under Corporate Frequent flyer Policy

Jan Arogya Plan: This is a tailored medical plan, especially for the lower & middle-income families. The benefits include reimbursement of Hospitalization charges at an affordable premium

Group Mediclaim Plan: This is an Ideal Mediclaim plan for a group of corporate employees or family member who wants a shield against any financial stress due to medical exigency. The scheme covers expenses incurred in lieu of Room charges, Nursing Expenses up to Rs. 5000 per day or 1 % of the Sum Insured whichever is lower. Apart from this, any other expenses towards purchase of essential medicines, Anesthesia, Oxygen, blood, Operation Theatre, etc. is also covered under the plan. However, any pre existing disease is excluded under the policy benefit till 4 years of policy start date. The group insurance plans are offered in three different variants, which are

Oriental Bank Mediclaim Plan - An elite group protection plan for the Savings account holders of the Oriental Bank of commerce.
PNB Oriental Royal Mediclaim Plan – A customized Mediclaim Policy for an Account Holder or Employees of the PUNJAB NATIONAL BANK.
Thana Janta Sahakari Bank Mediplus Plan – The plan is dedicated for the Account Holders or Employees of the Thana Janta Sahakari Bank, which is a cooperative society bank duly registered under cooperative society act of Maharashtra.

Health of Privileged Elders (HOPE) Plan: A tailored insurance scheme for the privileged senior citizens and meant to cover some specified old age disease. The plan is available under different Sum Insured categories, which are 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs & 5 lakhs. The key features of this plan includes discounts on premium amount & No claim bonuses

Oriental Pravasi Bharatiya Bima Yojana (PBBY): Oriental PBBY scheme is intended to put forward special fortification to the Non- Resident Indians who are staying overseas for employment purpose. The Sum Insured under this plan is up to Rs. 10 lakhs in the event of accidental death / Permanent disablement / loss of employment. The plan can also be topped up on family floater basis for Rs. 50,000. The scheme is under the guidelines issued by the government of India for its national visit abroad.

Personal Accident Insurance

Personal Accident – Individual Plan

Oriental insurance offers accident cover plan for an individual, which can be bought without any medical checkup. An individual gets a lifelong coverage. The policyholder can get a 30 days grace period to renew the plan in case any premium payment is missed.

The Oriental Insurance Company Limited personal accident plan covers an individual against any unexpected unfortunate accident, which may cause the insured to suffer disablement, loss of limbs, losing body parts or even death. The compensation is paid by the Oriental Insurance. If the insured dies due to the sole reason of accident, the Capital Sum Insured is payable to the nominee. For bodily injury that may cause disablement or loss of limbs, the Oriental Insurance company compensates as per the loss, a percentage of the coverage (sum insured) against the loss is mentioned in the below table.

SR. NO.	LOSS	% OF CAPITAL SUM INSURED
1	Loss of toes – all	20
	Both Great phalanges	5
	One Great phalanx	2
	Other than great, if more than one toe lost each	1
2	Loss of hearing both ears	50
3	Loss of hearing one ear	15
4	Loss of four fingers and thumb of one hand	40
5	Loss of four fingers	35
6	Loss of thumb both phalanges	25
6	Loss of thumb-One Phalanx	10
7	Loss of index finger- three phalanges	10
	Loss of index finger - two phalanges	8
	Loss of index finger- one phalanx	4
8	Loss of middle finger- three phalanges	6
	Loss of middle finger - two phalanges	4
	Loss of middle finger- one phalanx	2
9	Loss of ring finger- three phalanges	5
	Loss of ring finger - two phalanges	4
	Loss of ring finger- one phalanx	2
10	Loss of little finger- three phalanges	4
	Loss of little finger - two phalanges	3
	Loss of little finger- one phalanx	2
11	Loss of metacarpals - first or second (additional)	3
11	Loss of metacarpals--third, fourth or fifth (additional)	2
12	Any other permanent-Partial disablement	As assessed by the doctor

Personal Accident – Group Plan
Gramin Accident Insurance Plan
Janata Personal Accident Plan
Nagrik Suraksha Plan

Shopkeeper Insurance

Unfortunate accidents like fire or shop breaking can impact the business and the losses would be borne by the shop owner. However, if the shop owner purchases the shopkeeper insurance policy offered by the oriental insurance company, one can stay covered against such financial losses.

You can buy and renew shopkeeper insurance policy online through the Oriental Insurance Company’s website.

The shopkeeper insurance policy covers the risks and perils that may cause the property loss to the shop owners. The policy covers fire, house breaking, cash in safe or in counter, pedal cycle, baggage, personal accident, breakdown of electric appliances, etc. depending on the premium paid and the sum insured chosen by the proposer. You can also cover the risk of terrorism on payment of an additional premium. One can also opt for a long term policy.

What is covered/not covered?

The following instances are covered/not covered under a shopkeeper insurance policy:

Insurance Against	What is Covered	What is not Covered
Fire	Loss to the Building due to fire. Loss to the contents (Stock in Trade & FFF)	Loss/Damage to bonds, securities, precious stones, jewellery, cash, valuables, Livestock, Motor Vehicle, Pedal Cycle etc.
House Breaking	Loss/damage to contents (excluding Money and Valuables) by Housebreaking	Loss/damage to animals, motor vehicles, pedal cycles, documents, bonds, securities, jewellery, cash valuables etc.
Money Loss	Loss of money due to any accident or misfortune between any two places within a radius of 25 Kilometers from the insured Cash in safe / Steel cupboard / Steel Cash Box under lock & key due to housebreaking Cash in till / Counter during business hours following assault &/or violence &/or threat	Loss of money where an employee of the insured or member of the family of the Insured, is concerned as principal or accessory Loss of money from safe following the use of the key to the said safe or any duplicate thereof belonging to the insured unless such key has been obtained by assault or violence or any threat
Pedal Cycle	Loss/damage to pedal cycle as per Standard Fire & Special Perils Policy including housebreaking or theft	Loss/damage while racing/pace-making whilst used for hire/reward/overloading/strain/mechanical breakdown/theft of accessories unless pedal cycle is stolen at the same time
Plate Glass	Accidental breakage to fixed plate glass (Plain & ordinary glaze quality) in the insured building	Breakage of frameworks, disfiguration/ scratching of glass
Neon Sign	Loss/Damage to personal baggage of the Insured/accompanied baggage	Cash, jewellery, travel tickets, consumable goods, loose articles such as sticks, umbrellas, sunshades, etc. Loss whilst traveling within the municipal limits of the village, town or city where permanently residing
Personal Accident	Death or bodily injury by accidental violent, external & visible means to self & employees up to 10 times the annual salary	Suicide or attempted suicide, self–injury, death or injury resulting from the Insured committing any breach of law with criminal intent
Fidelity Guarantee	Direct pecuniary loss caused by Act of Fraud or dishonesty by the employees of the insured.	Not more than one claim in respect of any one employee Salesman and commission Agents are not covered
Electronic Equipment Insurance	Electronic Equipment including Personal computers, CCTV and related equipment	Loss due to wear & tear faults facts existing at commencement of the policy
Break Down of Electrical Appliances	Break down of appliances installed in the shop such as AC, Refrigerator, etc.	Loss due to faults existing before insurance or for which the supplier or manufacturer is responsible
Public Liability	Legal liability of the Insured to the public for bodily injury or accidental death Rs.2,50,000/- Legal liability of Insured to his employees as per WC Act	Liability to family members & employees Liability to Public & Family members
Business Interruption	Loss of Gross Income Expenses towards charge of Accountant	Aggravation of loss due to restrictions imposed by public authorities, lack of sufficient capital Losses consequential to material damage to securities records, manuscripts plan, drawing etc.

Householder Insurance

Oriental Insurance offers a comprehensive Household Insurance Policy to protect your home and its contents against a variety of risks and perils. Protects a residential home completely against accidental damages to its building and house contents. You can buy a new householder policy or renew the existing householder policy through the website of Oriental Insurance Company.

What is covered/not covered? The following instances are covered/not covered under a household insurance policy:

Insurance Against	What is Covered	What is not Covered
Fire	Loss to the residential building, household goods & personal effects due to fire and earthquake	Loss to money, securities, livestock, motor vehicle, documents
House Breaking	Housebreaking including Larceny and Theftg	Loss to money, securities, livestock, motor vehicle, documents
All Risks	Loss or damage to Jewellery, Valuables etc. due to accident or misfortune	Theft from car except when stolen while properly locked - Loss caused by moth, mildew, etc.
Plate Glass	Accidental breakage of fixed plate glass	Scratches on the glass
Domestic Appliances Including TV Set	Damage to electrical appliances (refrigerator, mixer etc.) due to electrical or mechanical breakdown	Loss due to faults existing before insurance or for which the supplier or manufacturer is responsible
Personal Computer & Laptop	All risks subject to specified exclusions	Loss due to wear & tear faults defects existing at commencement of the policy, for which the manufacturer is responsible
Pedal Cycle	Loss by Fire & allied perils Housebreaking / Theft, Accidental external means	Loss by mechanical breakdown
Baggage Loss	Loss to accompanied baggage by accident or misfortune	Loss of cash, jewellery loss within the municipal limits
Personal Accident	Death or bodily injury by accidental, external violent, visible means including Medical Expenses resulting from accident & weekly compensation during hospitalization	Suicide or attempted suicide, self -injury, death or injury resulting from the Insured committing any breach of law with criminal intent
Public Liability	Legal liability of the Insured to the public for bodily injury or accidental death - Rs. 25, 000/-	Liability to family members & employees
WC	As per WC Act	Liability to public & family members

Janata Personal Accident Insurance

This is a personal accident insurance plan for individuals in the age group of 10 to 80 years. The key features and benefits of this plan are:

Death - 100% of Sum Insured
Total and irrecoverable loss of sight of both eyes or loss of use of two hands or feet or loss of sight of one eye and loss of use of hand or foot - 100% of Sum Insured
Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot - 50% of Sum Insured
Permanent total disablement due to accident - 100% of Sum Insured
Sum Insured - Rs. 25,000 to Rs. 5,00,000
Premium - Rs. 15 for S.I of Rs. 25,000 and thereafter in multiples of Rs.25,000/- and premium is charged accordingly

Exclusions

Pre-existing disability
Death injury or disablement due to intentional self-injuries, suicide or attempted suicide
Disablement or death under influence of liquor or drug
Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports
Insanity
Breach of law with criminal intention
War /Nuclear group of perils

Nagrika Suraksha Policy

This policy offers Personal Accident cover (Death/Permanent Total Disablement, Loss of Limb(s) & Permanent Partial Disablement) and reimbursement of Hospitalization Expenses. The key benefits under this plan are:

1. Cumulative Bonus - Increased by 5% for each completed claim free period of 12 months during the period of insurance subject to maximum amount of such increase being not more than 20% of the sum insured.

2. Carriage of Dead Body and Funeral Charges - Expenses incurred in the carriage of dead body of the Insured to his place of residence and funeral charges shall be reimbursed subject to maximum of 2% of the sum insured or Rs 2500, whichever is less.

3. Education Fund - In case of death of the policyholder due to an accident, the insurer will provide compensation towards the education fund for the dependent children in addition to the sum Insured.

4. Loss of Employment - In case of loss of employment of the insured person due to permanent total disablement, 1% of the original sum insured in addition to the sum insured will be paid to the policyholder.

Other Products

Oriental Insurance Company offers many other insurance plans for professionals from various domains. The list of different professional insurance plans offered are:

Directors and Officers Liability Policy
Professional Indemnity Errors & Omissions Insurance For Chartered Accountants/Financial Accountants/Management Consultants/ Lawyers/ Advocates/ Solicitors/Counsels
Professional Indemnity Errors & Omissions Insurance Policy for Consulting Engineers/Architects & Interior Decorators
Professional Indemnity Policy For Doctors And Medical Practitioners
Professional Negligence Errors and Omissions Insurance Policy For Medical Establishments
Sports Insurance Policy
Stock Brokers Indemnity Insurance Policy

Business Office/Traders/Multi-Perils

Oriental Insurance (OICL) also provides insurance products related to business office, plans for traders, etc. The following is the list of the plans offered by OICL:

Electronic Equipment Insurance Policy
Fidelity Guarantee Policy - Floating Group
Fidelity Guarantee Policy - Individual Named
Money Insurance Policy
Multi-Peril Policy For LP Gas Dealers
Neon Sign Policy
Office Umbrella Policy
Plate Glass Insurance Policy
Policy For Jewelers’ Block Insurance
Shopkeeper's Insurance Policy

Engineering/Industry

All risk pertaining to industry and engineering are covered under different insurance schemes provided by Oriental Insurance.

Advance Loss Of Profit (Following Erection All Risks)
All Risks Insurance
Contractor's All Risk Insurance Policy
Employers Liability Insurance
Engineering Insurance
Industrial All Risk Insurance Policy
Liability Insurance Policy (Under Public Liability Insurance Act 1991)
Machinery Breakdown Insurance Policy
Machinery Insurance Policy
Machinery Loss Of Profit Insurance Policy (Out-Put Basis)
Product Liability Policy
Standard Fire and Special Perils Policy (Material Damage)

Agriculture/Sericulture/Poultry

There are many agricultural, sericulture, and poultry-based insurance plans including Kissan package policy for farmers. The following are the plans offered by OICL:

Animal Driven Cart Insurance
Kissan Package Insurance
Poultry Insurance
Apple Insurance (Input) Policy
Aquaculture Insurance Policy
Beetlevine Insurance
Coconut Palm Insurance Policy
Failed Well Insurance
Honey Bee Insurance Scheme
Hut Insurance
Inland Fresh Water Fish (Embankments) Insurance
Insurance of Biogas Plant (Gobargas)
Khalihan Insurance Package Policy
Package Insurance for Tribals
Plantation/HortiCulture (Input) Policy
Policy for Insurance of Fish in ponds (Fresh Water)
Policy for Kisan Agricultural Pumpset Insurance Scheme
Rose Plantation Insurance
Sericulture (Silkworm) Insurance

Animals/Birds

OICL offers various animals and birds related insurance products. One can buy an insurance policy to insure their dog, elephant, horse, etc.

Following are the plans that are offered:

Dog insurance
Elephant insurance
Camel insurance
Calf/Heifers Rearing Insurance Scheme
Camel Insurance
Cattle Insurance
Duck Insurance Scheme
Foetus (Unborn Calf) Insurance Scheme
Yak/Mule/Pony/Donkey Insurance
Pig Insurance
Rabbit Insurance
Sheep And Goat Insurance Policy

Aviation

Aviation related insurance plans are provided by the Oriental Insurance Company. The plans offer coverage for cabin crew members, loss of flying license, hull and spares related risk coverage. Depending on the coverage one wants, one needs to opt for the plan accordingly. Plans offered:

Aviation Personnel Accident (Crew Members)
Loss of License Insurance
Aircraft Hull and Spares All Risks Aviation Liability Insurance (Airlines)
Aircraft Hull/Liability Insurance Policy
Aviation Fuelling/Refuelling Liability Insurance Policy ###Marine

OICL also provides insurance marine related risks.

Hull War and Allied Peril Policy

Marine

Hull War and Allied Peril Policy This policy is designed for small operators as well as scheduled/non-scheduled Airlines. It provides cover against physical loss arising out of war, strikes, riots, civil commotion, terrorist attack and hijacking etc. The general exclusions under this policy are:

War involving five great Nations
Nuclear Detonation

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Premium Payment Process of Oriental Insurance Company

Oriental Insurance Online Payment Process

You can buy Oriental Insurance Policy Online and also pay the premium online with just a few clicks using any of the payment options Visa or Mastercard, Credit and Debit Cards, RuPay Debit Cards, payment through Internet Banking, E-Wallets / Cash Cards, UPI, & IMPS, etc.

Oriental Insurance Offline Payment Process

You can directly pay OIC at any of their branches nearest to you. Oriental Insurance Company also provides an option of offline payment service for their customers.

Company branch – You can pay cash or deposit a cheque
Pay premiums through Oriental Insurance Agents and Brokers

How to File a Claim with Oriental Insurance?

The steps to file a claim are:

Immediately contact the policy issuing office
Download the claim form and submit the same with all relevant bills, reports and medical certificate
In case of death, the following documents need to be submitted - Death Certificate, Original Policy, Claim Form, Postmortem Report, Police Report - FIR
Post submission, the claim will be processed accordingly

Oriental Insurance Renewal

Now, you can renew the old-OICL policy and or non-OICL policy and port it to Oriental Insurance. Renewal and premium payment can be done online.

Online Renewal Process at Oriental Insurance Company

Renew any of your general insurance policy- car, bike, health online. Renewal of the insurance policy online is the simplest way. Renew before your insurance policy expires.

Visit their official website. At the top their website you could see the “RENEW” tab. When you click on the RENEW tab, you will be taken to another webpage, where you have an option to select whether it is an old OICL policy or non-OICL policy. Select accordingly and fill out the rest of the details including policy number, other policy details, and so on. Then, proceed to premium payment. You can pay the premium through Visa or Mastercard, Credit and Debit Cards, RuPay Debit Cards, payment through Internet Banking, E-Wallets / Cash Cards, UPI, & IMPS.

Port Insurance Policy Provided by Other Insurer to Oriental Insurance

You can port your insurance policy provided by other insurance companies to Oriental Insurance.

You can compare different insurance plans with Oriental Insurance Company plans and port it to OICL.

Why Port from other insurance company to OIC:

You may not be happy with the service offered to you by the other insurance company
You are looking for a completely Government owned insurer
You want a brand that has been trusted by many since years by the citizens of India
You feel you can save money or get more coverage, you can compare plans and port your insurance policy to Oriental Insurance Company

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FAQ's of Oriental Insurance

What kind of policies are available online with Oriental Insurance Company Limited?

You can buy many non-life insurance policies online through Oriental Insurance Company. You can buy general insurance products like two wheeler insurance, car insurance, health insurance, travel plans, etc. online.

How to renew Oriental insurance policy online?

Visit their official website. At the top their website you could see the “RENEW” tab. When you click on the RENEW tab, you will be taken to another webpage, where you have an option to select whether an old OICL policy or non-OICL policy. Select accordingly and fill out the rest of the details including policy number, other policy details, and so on. Then, proceed to premium payment. You can pay the premium through Visa or Mastercard, Credit and Debit Cards, RuPay Debit Cards, payment through Internet Banking, E-Wallets / Cash Cards, UPI, & IMPS.

Why should you buy Oriental Health insurance Policy?

Oriental insurance is one of the oldest insurance companies in India. It completely handled by the Central Government. You can be rest assured about the financial position to fulfill the claim lodged. Furthermore, Oriental Insurance is well-known for claim settlement. The claim settlement ratio of Oriental Insurance is very high, which implies that every legit and genuine claim lodge is settled. Besides, Oriental Insurance Company has a large network of hospitals where all the medical treatment can be done with the help of cashless facility for all the medical treatment expenses incurred subject to policy exclusions.

Why should you buy Oriental Car Insurance Policies?

A third party car insurance is mandatory as per the Indian Motor Vehicles Act, 1988 for all cars plying on Indian roads. However, it just provides third party liability cover. It does not include any coverage for car’s own damage. A comprehensive policy covers both liability cover and car’s own damage. With a comprehensive policy, you stay protected financially even in case of car’s own damage.

How to make a claim with Oriental Insurance Company Limited?

You need to intimate the OICL immediately. Depending on the type of insurance policy, you need to download the claim form or e-claim according to your suitability. According to the type of claim, the OICL will ask for the supporting documents apart from the policy number, the details of the policyholder and/or nominee.

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