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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioHealth insurance has become a need of every Indian family today. As the price of hospital care continues to increase and new health hazards are discovered each year, medical insurance plans make it simpler to handle emergencies without having to fret about finances. With the large number of insurance companies and health plans in the Indian market, selecting the right insurer may be confusing. The dilemma that many buyers face is Aditya Birla Health Insurance vs Oriental Health Insurance. What is more suitable to the needs of your family in 2025?
Here are their characteristics, main advantages, disadvantages, policy plans, and professional opinions in a simple language to help you decide on the best medical cover.
Aditya Birla Health Insurance is a well-known private health insurance provider in India, the subsidiary of the Aditya Birla Group. It was introduced in 2016, and offers a wide range of health products, including all-inclusive health plans, critical illness insurance, wellness rewards, and chronic management benefits.
Oriental Health Insurance is a subsidiary of Oriental Insurance Company Ltd., a state owned general insurance company that was established in 1947. It is one of the oldest insurance company names, which are characterized by stable traditional plans and affordable pricing structures.
Did you realize? In 2025, more than 65 percent of the metro families in India will have some form of health insurance because of the increased medical expenses and pandemic fears.
The two brands are both strong but appeal to Qatar to different consumer segments. Here is a snapshot:
| Feature / Parameter | Aditya Birla Health Insurance | Oriental Health Insurance |
|---|---|---|
| Network Hospitals | 10,000 and above | 5,500 and above |
| Insured Range | 2 lakh to 2 crore | 1 lakh to 50 lakh |
| Pre-existing Disease Waiting | 2 to 4 years (plan-based) | 3 to 4 years |
| Procedures covered in Daycare | ||
| Digital Wellness Program | Yes | No |
| Covid-19 Cover | Yes | Yes |
| Claim Settlement Ratio (2024) | 98.4 percent | 93.2 percent |
| Annual Health Check-up | Yes (all plans) | Yes (select plans) |
| Senior Citizen Health Plans | Few choices | Several choices |
| International Emergency | Available (select plans) | Not available |
Aditya Birla Health Insurance has invested heavily in its online platform, where one can:
Oriental Health Insurance offers basic online services and is yet to complete the robust digital upgrade. Online access is easier and more convenient to tech-savvy users and young families at Aditya Birla.
Expert Insight: 2025 IRDAI consumer statistics show that almost 70 percent of health policyholders below 40 years old choose insurers that have smooth digital claim settlement.
Is it possible to purchase Aditya Birla and Oriental health insurance policies?
Yes, a person can have more than one health insurance policy with different insurers and claim in proportion.
Example:
Mrs. Rani of Mumbai was able to better manage her diabetes through the Aditya Birla program and earned Rs. 6,000 as HealthReturns over a year, which she used to pay the next year premium.
What is HealthReturns in Aditya Birla Health Insurance?
It is a special reward program where you earn money in your insurance wallet by adhering to healthy habits.
Case Study:
Mr. Kumar, a retired school principal in Kanpur, saved close to 30 percent on his premium by taking Oriental Mediclaim Policy for elderly people, with easy direct claim reimbursement.
Did you realize? Government-sponsored carriers such as Oriental are required not to refuse to renew policies on the basis of previous health status, which gives older consumers greater confidence.
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Is Oriental health insurance good to senior citizens?
Yes, Oriental is popular among senior citizen health covers, easy renewals and low premiums.
The actual premium for both companies depends on age, sum insured, location, and plan type, but here’s a 2025 example for a family of four (husband 35, wife 33, two kids aged 8, 5) with Rs. 10 lakh cover:
| Insurer | Annual Premium (2025 est.) |
|---|---|
| Aditya Birla | Rs. 19,800 to Rs. 23,500 |
| Oriental | Rs. 13,000 to Rs. 15,500 |
Oriental is almost 20-30 percent lower in cost than similar base coverage, but Aditya Birla has more optional add-ons and wellness rewards.
You can rely on online marketplaces that show a side-by-side comparison of features, prices, hospital networks, and customer reviews of various insurance providers. This assists you in making an informed and transparent health insurance purchasing decision on behalf of your family.
Pro Tip: The easiest way to compare policies of multiple companies online is to check hidden exclusions, claim reviews, and the actual cashless hospital reach before purchasing.
Is it possible to transfer Oriental Health Insurance to Aditya Birla?
Yes, you can transfer your current health policy to another insurer, as long as you have continuous coverage and notify your current insurer at least 45 days before renewal.
Case Study: Family Decision in Delhi
Rahul and Priya, a young couple with two children and ageing parents based in Delhi, sought a health plan that would cover all age groups. After researching, they chose Oriental for their parents (for better senior citizen benefits and direct claim support) and Aditya Birla Activ Health for themselves (for fitness rewards and higher sum insured). They accessed a leading online comparison marketplace to compare the two products.
Both are IRDAI approved and have good claim service. Before you buy, think of the size of your family, age demands, comfortability with technology, and the kind of city.
Q1: Which is the best family floater insurance in India Aditya Birla or Oriental?
A: Aditya Birla has more value added benefits but is more expensive. Oriental is economical, particularly to big families.
Q2: How do I make a claim with Aditya Birla vs Oriental Health Insurance?
Aditya Birla has digital-first claim procedures and rapid cashless authorization. Oriental is a hybrid of digital and direct branch claims, and it has a decent track record of prompt settlements.
Q3: Will I have tax benefits under both Aditya Birla and Oriental Health Insurance?
Yes, both of them are paid as premiums and are exempted under Section 80D of the Income Tax Act.
Q4: Is organ transplantation covered by Oriental?
Yes, in most comprehensive plans, it covers in-patient costs of organ donor treatments.
Q5: Is it possible to transfer my Oriental Health Insurance cover to Aditya Birla?
Yes, porting can be done during the renewal process with the credit of the waiting period as long as you comply with the guidelines of IRDAI.
Q6: Which insurer will have superior customer support in 2025?
Aditya Birla has a higher score in digital and chat-based support, whereas Oriental is more accessible in person, primarily in cities and towns.
Q7: Do I purchase insurance with the company or through an agent?
The purchase of online directly or through marketplace comparisons is suggested to have a transparent analysis and unbiased decision-making.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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