Health insurance is an essential safety net that protects you from unforeseen medical expenses. Oriental Health Insurance offers comprehensive coverage tailored to meet your diverse needs. Purchasing Oriental Health Insurance online is a seamless process that saves time and ensures hassle-free enrollment. Here’s a step-by-step guide to help you buy Oriental Health Insurance online with ease.
Step 1: Research and Understand Your Requirements
Before purchasing any health insurance plan, it is crucial to assess your specific needs. Consider factors like:
Your age and health condition
Family size and coverage requirements
Budget and premium affordability
Additional benefits such as maternity cover, critical illness riders, or cashless hospitalization
Oriental Health Insurance offers various plans catering to individuals, families, and senior citizens. Understanding your needs will help you select the most suitable policy.
Step 2: Visit a Reliable Platform
To purchase Oriental Health Insurance online, you need to choose a reliable platform. You can visit the official website of Oriental Insurance or use a trusted insurance aggregator like Quickinsure. These platforms provide easy access to policy details and comparisons.
Step 3: Browse Available Plans
Once on the website, navigate to the health insurance section. Explore the different plans offered by Oriental Health Insurance, such as:
Individual Mediclaim Policy
Family Floater Policy
Senior Citizens’ Mediclaim Policy
Top-Up Covers
Each plan will have specific features, benefits, and premiums. Take your time to read the details, such as:
Sum insured options
Network hospitals
Inclusions and exclusions
Policy terms and conditions
Step 4: Use Online Tools to Compare Plans
Most online platforms provide tools to compare multiple plans side-by-side. Use these tools to evaluate key aspects like:
Premium costs
Coverage benefits
Waiting periods
Sub-limits and co-payment clauses
Comparing plans ensures that you get the best value for your money.
Step 5: Customize Your Policy
After selecting a plan, customize it based on your preferences. You can:
Choose the sum insured amount
Opt for add-ons or riders, such as critical illness cover or personal accident cover
Adjust the policy tenure (1 year, 2 years, or 3 years)
Customization allows you to enhance your coverage and tailor the policy to your needs.
Step 6: Fill Out the Application Form
Next, fill out the online application form with accurate details, including:
Personal information (name, age, gender, and contact details)
Nominee details
Medical history, if applicable
Ensure that all information is accurate to avoid complications during claim settlement.
Step 7: Upload Necessary Documents
You may be required to upload certain documents, such as:
Identity proof (Aadhaar card, PAN card, passport, etc.)
Address proof (utility bills, voter ID, etc.)
Medical reports, if needed
Ensure that the scanned copies are clear and legible.
Step 8: Calculate and Pay the Premium
Once the application form is complete, the platform will calculate your premium. Review the premium amount and proceed to payment. Most platforms offer multiple payment options, including:
Credit/debit cards
Net banking
UPI
Digital wallets
After payment, you will receive an acknowledgment and policy document via email.
Step 9: Receive Your Policy Document
Upon successful payment, you will receive the policy document in your registered email. The policy document contains all the details, such as:
Policy number
Coverage details
Terms and conditions
Save this document for future reference. You can also download and print a copy if needed.
Step 10: Understand the Claim Process
Before concluding your purchase, familiarize yourself with the claim process. Oriental Health Insurance offers a simple and transparent claim process, including cashless hospitalization and reimbursement options. Keep the following in mind:
List of network hospitals for cashless claims
Claim intimation timelines
Required documents for claim submission
Understanding the claim process ensures you’re prepared in case of a medical emergency.
Tips for a Smooth Online Purchase Experience
Double-check all details before submitting the application.
Use an updated browser for a seamless online experience.
Opt for auto-renewal options to avoid missing renewal deadlines.
Contact customer support for assistance if needed.
Conclusion
Buying Oriental Health Insurance online is a straightforward process that offers convenience and flexibility. By following this step-by-step guide, you can select the best plan for your needs, complete the application process effortlessly, and enjoy comprehensive health coverage. Take the first step today and secure your health and peace of mind with Oriental Health Insurance.
