Oriental General Insurance Company
Oriental insurance was established in 1947. The company served as a subsidiary of Life Insurance Corporation of India between the year 1956 to 1973. In the year 2003 all shares of the company owned by General Insurance corporation of INdia were transferred to the Central Government. The company has come up with diverse products that satisfy the need of both the rural and urban population in india. In addition to retail segment, other lines that are covered well by Oriental include the large industries like the power plants and the steel plants
The company has its headquarters at New Delhi and is well distributed (in terms of number) in many cities of the country; the total number of its branches across the country is close to 1800. The staff base of the company is approximately 13500.
Vision
The dream is to become the de facto place to go when in need of anything that has got to do with Insurance solutions and offer their customers a top class insurance experience.
Mission
Offer customers with new products that they expect.
Provide unrivalled customer service.
Awards
- Best BFSI Brands of 2021
- Prompt GI Compact Category 2020 ET award
- The Celent Model Insurer Asia Award
Oriental insurance: Guide to 2025: Comprehensive guide.
What Is Oriental and Why Is It Important of 2025?
Oriental Insurance is one of the leading general insurance companies in India that works with millions of individuals and business organizations since more than 70 years. By 2025, as need of financial safety against any uneventful circumstance is in the rise, Oriental Insurance would still provide a wide range of insurance solutions that are modified according to the shifts in the lifestyle of the Indian customers.
Today, people are looking out for flexible and dependable health insurance, auto insurance, travel, property and business insurance. Innovative coverage plans quench these thirsts with Oriental insurance holding a great record in settling claims efficiently and having a great branch-network. The company has been trusted by people, families and businesses due to its cheap pricing, transparency as well as its committed team of service to its clients.
How Oriental Insurance Developed and Gained Flourish in India?
Originally, the company was Oriental Insurance Company Limited which was founded in 1947. It was, originally, a constituent of a group that belonged to the General Insurance Corporation. During post-liberalisation and reforms in the Indian regulation of insurance by Indian Regulatory and Development Authority (IRDAI), Oriental Insurance responded by diversifying its service, migrating to newer technology and tailoring its policies to the demands of Indians and the world.
By 2025, Oriental Insurance will be able to provide its customers with digital-first services and have above 1,800 regional locations, as well as robust online presence. It has more than 12,000 employees and extensive network of agents. This wide coverage enables it to provide services to its clients both in metro cities, small towns, and rural belts creating faithfulness across generations.
What Is Unique To Orbital Insurance in India when Compared to Other Insurers?
- Government support, government resources, and financial security Public sector heritage, the favor of the government, and sound financial health
- Wide product diversification both on a retail and corporate level
- Claim process that is user friendly with a quick settlement in mind
- Standard anti-fraud protection and clear policies
Surprisingly, I did not realize that…
One of the pioneer companies that brought some niche products to the Indian market was the oriental insurance and remains very strong in their specialty product lines even to this day that included things like crop insurance and livestock insurance.
What are the salient features and advantages of the oriental insurance policies?
The policies of Oriental insurance are quite wide, and they address the special needs of the customers. Now, it is time to examine what they bring to the fore in 2025.
What Are The Key Categories of announced Policies of the Oriental Insurance?
Health Insurance
- One and family floaters plan
- Extensive critical illness and elderly citizen options
- The process of maternity, daycare, psychiatric illnesses coverage of the new age, etc.
Motor Insurance
- Two wheeler cover, commercial vehicle and private car
- Third party liability and personal accident rider
- Immediate release of policies and supplementary covers such as zero depreciation
Travel Insurance
- There is medical and non-medical risk covered on domestic and overseas travel cover
- Variants of the student travel policy, business travel policy and family travel policy
Property/Householder Insurance
- Security of houses, offices and business premises
- Insurance in event of fire, theft, natural disasters, break in.
Tailor Made Business Policies
- Marine, engineering, shopkeeper, crop/livestock and industrial all-risk
Three of the main features 2025 users like:
- Media flexible according to an increasing inflation.
- Online renewal of paperless policies and easy deposition of documents online
- Claim- Help and toll free phone support 24x7
- Diverse hospital and garage network
What is the Reason of Using Oriental Insurance to Cover Health?
The expenses of health services in India have increased over the years and the out of pocket medical expenditure is the main source of family indebtedness in India. Oriental Insurance has various plans which aim at comprehensive, cheap policies.
Which Are the Famous Health Insurance Plans of 2025?
Happy Family Floater:
This is the cover of the entire family with pre-existing disease cover after the waiting period, and cashless treatment at 8000 plus network hospitals.
Mediclaim Policy:
It would be ideal for individuals, and OPD costs and telemedicine add-ons were introduced in 2025.
Senior citizen Policy:
Reduce medical examinations, up to 80 coverage, including serious diseases, new prosthetics are now included.
Benefits include:
- No copay on certain plans.
- Pre and post hospitalisation costs cover 90 days.
- The choice to opt top up and super top up plans in case you require a larger sum insured.
Pros
- Low premiums on large families
- In certain plans no sub-limit on room rent
- Right of lifetime renewal
Cons
- In some plans, there are very rigorous waiting periods on some illnesses
- The pre-existing diseases are not covered fully on day one
- Tracking claims online is not fast during busy hours
Expert opinion:
An opinion rendered by top financial planners in 2025 is that the renewal ratio of Oriental health insurance is more than 91 percent, which indicates a high level of user satisfaction.
What are the benefits of an Oriental motor insurance to owners of cars and bikes?
In India, the law requires motor insurance, both of private vehicles and commercial vehicles. Oriental Insurance has a rich claim support and good premiums which makes it very popular.
What is the Comparison of Oriental Motor Insurance with Private?
| Company | Claim Settlement Ratio 2024 | Average Network Garages | Online Purchase Discount | Customer Rating (out of 5) |
|---|---|---|---|---|
| Oriental Insurance | 95.3% | 4,650 | Up to 15% | 4.3 |
| Private Insurer A | 93.8% | 3,100 | To 25% | 4.0 |
| Private Insurer B | 92.7% | 2,850 | To 10% | 3.9 |
The highlights are:
- Additional extras such as return to invoice and engine protector
- Quick online issuance, renewal and claim support
- Policy transfer for used car purchase and NCB (No Claim Bonus) benefits
Pros
- Better- claim settlement ratio against average
- Fewer complaints as calculated on the basis of IRDAI figures
- Good service network in rural and urban PAN India
Cons
- Discount offers less as compared to the private insurers
- There are some add-ons that could not be installed on old cars.
- Other users cite slowness when it comes to physical inspection delay
What also people wonder is:
Q: How do you claim a car accident in 2025 with the Oriental Insurance?
A: You may use online claim registration, upload the documents through the app or the site, make arrangements on survey, and expect to get the claim settlement within 7-15 working days in case of the simplest cases.
Wanna know?
In 2025 more than 350 network garages were added by Oriental Insurance located in Tier 2/3 cities to ensure that accident repairs are easier in please even in non-metros.
Is Oriental Insurance the source of reliable customer service and fast claims?
In stress, customers tend to evaluate the insurance companies on the basis of the quality of their services and the speed at which they pay up their claims.
Is the claim settlement and support of Oriental Insurance efficient?
Oriental Insurance processed around 94 percent of claims within 21 working days during the past financial year as per IRDAI’s 2024-2025 report. They offer:
- Different portals: Toll-free helpline, WhatsApp chat, mobile application, and a wide network of offices
- Claims and renewals transparent status update
- Personal assistance in more than 1,800 outlets in India
Pros
- Specialized channels of complaint and complaint handling
- The most major cities do doorstep documentation pick up
- Regional dialect support Language support
Cons
- Other users complain that the interface of the app is not intuitive
- Complex claims take time in paper work
Another question people also inquire is:
Q: Can a policy of Oriental Insurance be purchased within one or more steps completely through the internet in 2025?
A: Yes, unless it is a special product in which case KYC may need to be done face-to-face it can be bought, renewed, or upgraded online on a website or mobile app.
Expert analysis:
As digitalisation rose to 68 percent of the newly issued retail policies in the year 2024-2025, higher than in any year before which was almost the same with the case of Oriental Insurance as compared to other insurance companies in the public sector.
What are the weaknesses of the Oriental Insurance and how can they be improved?
Any insurance company cannot be ideal and people ought to know what the expectations of Oriental Insurance can be.
What Can Oriental Insurance Improve?
- Greater cashless tie-ups with small hospitals
- Faster online customer service of bulk queries
- Larger international insurance coverage
- Additional enhancement in the mobile application usage
How to Attract new Customers to Oriental Insurance with Its Offers and Discounts in 2025?
As a way of remaining competitive, the Oriental Insurance includes various seasonal discounts and other value-added services within its line of key products:
- Discounts on multi-policiestiers Premium discounts on holders of multiple policies
- Long time customer benefits of loyalty
- No claim bonus at renewals
Customers should be warned to be on official announcement windows of such offers through the site and the branches.
How Do Other Products of the Oriental Insurance Compare With the Market Competition?
Oriental Insurance is competitive in areas of specialty and custom insurance as well with products such as fire and home insurance as well as policies valid in the work environments.
| Product | Oriental Policy Name | Unique Cover Features | Average Premium | IRDAI Popularity Score |
|---|---|---|---|---|
| Fire and Property | Standard Fire and Special | Multiple-location insurance, Rent to Alternate | Mid | 82/100 |
| Shop Insurance | Shopkeeper | Loss of profit, money in transit | Budget | 79/100 |
| Overseas Travel | Travel Overseas | Included on Mediclaim 2025 | Adrift in range | 81/100 |
Oriental Insurance 2025: Fast recap
TL;DR
Oriental Insurance is a leading general insurer of the public sector in India and is well known through health, motor, property, travel policies. In 2025, its main selling points will be dependable claim settlement, extensive branch and partner network, family-friendly covers and open service. The availability of new product modifications and advanced online services assists Oriental to remain the best among the PSU insured. It would be beneficial to users to read policy wordings, get bundled discounts as a reward, and compare the plans with the best benefits.
People also ask: Faq
Q: Does the Oriental Insurance Government-own in the year 2025?
A Yes, Oriental Insurance is a public sector company, which falls under the administrative control of the Ministry of Finance, Government of India, in 2025.
Q: What is the process of tracking my Oriental Insurance policy claim online?
A: The official site allows customers to inquire about the status of claims by keying in their policy or claim numbers, or by using mobile apps that contain notifications about the claim.
Q: Are older people above the age of 70 years eligible to take Oriental health insurance?
A: Yes, there are special forms of insurance that can be taken by the senior citizens offered by the Oriental Insurance some of which can be taken up to age 79 and it is renewable throughout a lifetime.
Q: Which are the documents needed to make Oriental motor claims?
A: Commonly, vehicle registration, driving license, FIR (when needed), policy copy, and photos of damages are needed. The mentioned details depend on the type of claims.
Q: is Covid-19 related hospitalisation covered by Oriental Insurance 2025?
A: Yes, coverage of Covid-19 treatment using all the retail and group health insurance policies that have been issued by Oriental Insurance in 2025 is covered as per current guidelines as issued by IRDAI and government advisories.
Can you guess?
One of the most excellent customer grievance resolution rates among peers, Oriental Insurance reached 98 percent in 2025 to settle grievances within IRDAI-prescribed limits.
Sources:
- IRDAI Annual Report 2024- 2025: https://irdai.gov.in
- Orientals Insurance Company Limited: https://orientalinsurance.org.in
- New releases and news: https://economictimes.indiatimes.com/
- Online financial expert analyses (2025)
