The Oriental Insurance Company Limited
Registered Indian general insurer listed in IRDAI's public registered-entity records. Many general insurers offer motor and other non-life products; this platform does not show pricing.
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Incorporated in Mumbai on 12 September 1947. Nationalized in 1973 as a subsidiary of the General Insurance Corporation of India (GIC); ownership was transferred directly to the Government of India by legislation in 2003.
CSR = % of claims actually paid out of total claims filed. Higher is better for policyholders.
Source: IRDAI Annual Report ↗| Year | CSR % | Solvency | ICR | Complaints |
|---|---|---|---|---|
| FY 2019-20 | 104.97% | — | — | — |
| FY 2020-21 | 112.51% | 140% | 95.33% | — |
| FY 2021-22 | 139.86% | 103% | 112.27% | — |
| FY 2022-23 | 130.09% | — | 112.14% | — |
| FY 2023-24 | 101.96% | — | 98.89% | — |
CSR over the years (IRDAI data)
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The Oriental Insurance — Plans
6 plans · Key details from official policy documents.
| Plan Name | Type | Sum Insured | Min Age | Max Age | Renewal | Room Rent | Co-pay | PED Waiting | Initial WP | Maternity WP | Restoration | OPD | Key Features |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Oriental Youth Eco Care Policy▼Compare this plan → | Family Floater | ₹3L to ₹100L (bands: 3,5,7,10,15,20,25,30,35,40,45,50,75,100 lakhs) | — | — | — | — | No co-pay | 12 months | — | Not specified separately | ✓ | ✗ | ✓✓ |
Oriental Mediclaim Insurance Policy (Individual) - 2024▼Compare this plan → | Health Insurance | ₹1L (min) in ₹50k steps up to ₹5L, then ₹1L steps to ₹10L, then fixed slabs ₹12L/15L/18L/20L/25L/30L/40L/50L. Each insured member's SI can differ | — | — | — | 1% of SI/day | No co-pay | 36 months | 30 days, waived if continuous coverage exceeds 12 months | — | — | — | ✓✓✓✓✓+2 |
Oriental Sampoorna Swasthya Suraksha▼Compare this plan → | Family Floater | Premium: ₹2L-₹10L (9 tiers). Elite: ₹3L-₹50L (12 tiers). Royal: ₹7L-₹5Cr (11 tiers) | — | — | — | — | No co-pay | 12 months | 30 days (Excl03) | 24 months (Elite/Royal only) | ✓ | ✓ | ✓✓✓✓✓+1 |
Happy Family Floater Policy - 2024▼Compare this plan → | Family Floater | Silver: ₹1L-5L. Gold: ₹6L-10L. Diamond: ₹12L-20L. Platinum: ₹25L-50L | — | — | — | — | No co-pay | 36 months | 30 days | 24 months (Diamond/Platinum only) | ✓ | ✓ | ✓✓✓ |
Oriental ART & Surrogacy Policy▼Compare this plan → | Health Insurance | — | — | — | — | Not exceeding 2% of Sum Insured per day | No co-pay | 36 months | — | Not applicable (see coverage_options for Plan B benefit) | ✓ | ✗ | ✓✓ |
Jan Arogya Bima Policy▼Compare this plan → | Health Insurance | ₹5,000 per person | — | — | — | — | No co-pay | 48 months | 30 days (except accident) | Not covered (childbirth/pregnancy/C-section excluded entirely; elective MTP within first 12 weeks also excluded) | ✓ | ✗ | ✓✓✓ |
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How to reach or escalate
Customer Support
Oriental House, A-25/27, Asaf Ali Road, New Delhi – 110002
Senior Citizens & IRDAI
IRDAI Bima Bharosa Portal
For unresolved complaints — approach IRDAI directly. Free & confidential.
bimabharosa.irdai.gov.in ↗