Oriental Insurance company’s Senior Citizen Specified Diseases Insurance is exclusively designed for senior citizens which allows the maximum insurance of Rs. 5 lakhs. The following pages outlines various diseases/illness the policy covers and its benefits.

Salient Features:-

Exclusively designed for citizens aged 60 years and above

Minimum sum insured that can be selected is Rs 100,000/- and higher sum insured can be selected in multiples of Rs 100,000/- up to a maximum sum insured of Rs. 5,00,000/-.

Policy is available for Sum Insured 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs and 5 lakhs.

Coverage of specified diseases only.

Compulsory co-payment of 20% on admissible claim amount.

Discount in premium for opting voluntary co-payment.

No claim discount in premium.

Loading for new entrants.

Benefit of continuity extended if already insured with any mediclaim policy of the Company.

TPA services available.

Cashless Service through TPA only and limited to Rs. 1 lakh.

This insurance policy is issued for a period of one year.This Policy is available to any Indian citizen who is aged 60 years and above and for hospitalization in India only.


The proposer has to submit any one of the following documents as age proof:-

(a) Birth Certificate

(b) Matriculation Certificate

(c) School Leaving Certificate

(d) Photo Voter Identity Card

(e) Driving License

(f) PAN Card

(g) Passport

The Policy reimburses the payment of hospitalization and / or domiciliary hospitalization expenses for the specified diseases contracted or injury sustained by the insured persons. The settlement of the claim will be done by the TPA either to the network hospital or to the insured.

Note: Please refer to the policy documents for the complete Insurance Policy subject to the rules of insurance Company.