Oriental Health Insurance Premium Chart

Quick Overview

The Oriental health insurance premium chart gives you a quick snapshot of how much a policy may cost based on age, sum insured, and the type of plan you choose. The Oriental Insurance Company publishes these charts so customers can easily estimate premiums across different coverage options. Before any health insurance product is launched, insurers must submit their premium rates and pricing structures to the Insurance Regulatory and Development Authority of India (IRDAI) for approval. This helps maintain transparency and gives customers a reliable reference when comparing premiums across insurers.

Health insurance premiums can vary widely depending on age, coverage amount, and family size. That is why many people check the premium chart before choosing a policy.

If you are considering an Oriental health insurance policy, reviewing its premium chart is one of the easiest ways to understand how premiums are structured.

In this article, we break down how to read the Oriental Health insurance premium chart, what it shows, and which factors influence premiums.

Oriental Health Insurance Premium Chart 2025 (Age-Wise Rates)

If you prefer to view the premium charts directly, you can download the official PDFs for some popular Oriental health insurance plans below.

Note: Always download the premium chart from the insurer’s official website, as third-party information can be outdated or inaccurate.

Oriental Health Insurance Premium Chart PDF Download

Go to the official Oriental Insurance website.
Choose the policy-related document option under the download section in the services tab.

Select Health, choose your plan, and access the premium chart PDF.

Download the file labeled Premium chart (where premium tables are present). For reference, here’s what a typical Oriental Health Insurance premium chart PDF looks like:

What Details are Covered in the PDF?

Age Brackets

The premium chart lists premiums across clearly defined age brackets such as 0-20, 21-25, 26-30, 31-35, and so on. This helps you identify the exact annual premium applicable to your completed age and understand how premiums increase as you move into higher age bands.

Sum Insured and Plan Variants

The premium chart shows rates for different sum insured options along with different variants in some plans, such as the Happy Family Floater policy. Coverage usually starts from ₹5 lakh and goes up to ₹20 lakh or higher. This allows you to compare how premiums change when you increase your coverage as well as across different variant

Floater vs Individual Premiums

The chart typically includes separate tables for individual policies and family floater plans. Family floater tables calculate premiums based on the age of the eldest insured member and family combinations such as 2 adults or 2 adults + children.

Zone-Based Pricing

Some plans, like the Happy Family Floater policy’s Silver variant, also include zone-based premium tables, where cities are grouped into Zone I (Gujarat, Mumbai, Greater Mumbai, and Delhi NCR) and Zone II (Rest of India) based on healthcare costs.

Note: If you relocate to a different city, your premium may change depending on the applicable zone. Always update your address with the insurer to avoid issues during claims.

CTA

How to Calculate Oriental Health Insurance Premiums Online?

Visit the official Oriental Insurance portal: https://orientalinsurance.org.in/dashboard.
Navigate to the “Services tab” and select “Buy New Policy” under the Policies section.
Choose the health policies category and select the plan you want to calculate the premiums for.
Enter your mobile number and email ID to receive the OTP.

Provide the required details such as proposer information, family member details, pincode, sum insured, plan type, optional covers/riders available, and applicable discounts.

The system will then display the estimated premium based on the information provided.

Factors That Affect Oriental Health Insurance Premium

Age

For family policies, the premium is largely calculated based on the age of the eldest member in the family, who is treated as the primary policyholder. Since health risks increase with age, the premium tends to be higher when the primary member falls in a higher age band.

Policy Structure

In individual policies, premiums are calculated based on the insured person’s completed age. For family floater plans, premiums are generally based on the age of the eldest member. The eldest member is charged the full premium, the second member about 75%, and additional members, such as children, are typically charged around 50%. This structure helps make family coverage more affordable compared to purchasing separate individual policies.

Discounts

Oriental Insurance may offer certain discounts that can reduce the overall premium. These may include online purchase discounts, opting out of TPA services, or family discounts when multiple members are covered under a single policy. Such discounts can slightly lower the final premium payable.

Medical History and Underwriting

If any insured member has pre-existing diseases, lifestyle risks, or past medical conditions, the insurer may apply a loading or additional premium after medical underwriting. This helps insurers price policies based on individual health risk.

Popular Oriental Health Insurance Plans and Their Premium Structure

Plan	Type of Plan	Coverage Scope	Premium Insights
Oriental Super Health Top Up (Individual)	Super top-up	Activates only after a deductible amount is crossed	Premium depends on the deductible chosen and the top-up sum insured. Higher deductibles usually lead to lower premiums.
Happy Family Floater	Family Floater	Single sum insured shared by all family members	Premium is mainly based on the age of the eldest insured member, along with the chosen sum insured and the number of family members covered.
Oriental Youth Eco Care Policy	Individual/Floater	Available in Basic and Premium variants	Premium depends on the plan variant (Basic or Premium), coverage amount, and family structure. It is designed to keep premiums relatively affordable for younger policyholders.

Key Insight: The Oriental Youth Eco Care Policy offers a “floater within floater” option, allowing different coverage amounts for parents and children within the same policy. For example, the policyholder and spouse can have a ₹10 lakh floater while children have a ₹5 lakh floater. Both groups must be under the same plan variant.

To help you understand the premiums better, here are sample Youth Eco Care Policy premiums (Premium Variant) for a few common customer profiles.

Youth Eco Care Policy premiums (Premium Variant)

Profiles	Youth Eco Care Policy
(Individual Plan): Age 25	₹8,114
(Family Floater, 2A): Ages (31, 32)	₹17,489
(Family Floater, 2A 1C): Ages (35, 34, 5)	₹20,282

Note: These premiums are based on a ₹15 lakh sum insured for Delhi pincode (110010) for healthy profiles. Values are indicative and may vary after underwriting.

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Conclusion

The Oriental health insurance premium chart offers a quick way to understand how premiums may vary based on age, sum insured, family size, and the type of plan you choose. Reviewing the chart beforehand can give you a clearer idea of the expected cost and help you compare coverage options more confidently. While premium charts are useful for estimating prices, the final premium may still vary depending on factors like medical history, add-ons, and policy structure. Hence, reviewing the premium chart is a useful first step, but comparing coverage benefits across plans is equally important before buying a policy.

Disclosure: Oriental Health Insurance is not a partner insurer of Ditto. Our assessment is independent and based only on publicly available information and the evaluation framework we apply to all insurers. For details on how we review insurers across claims performance, complaints, financial strength, and product suitability, please refer to our methodology. For the most recent updates, we recommend checking the insurer’s official website.

Frequently Asked Questions

Does the Oriental health insurance premium increase if I choose a higher sum insured?

If you increase your coverage during renewal, the premium will increase accordingly. However, the price increase is usually not proportional, so higher coverage often provides better value than minimal coverage.

Why does the Oriental health insurance premium increase with age?

Health insurance premiums increase with age because health risks and the likelihood of claims rise over time. Insurers group customers into age bands, and premiums generally increase when policyholders move into a higher age bracket.

Is the Oriental health insurance premium chart the final price?

No. The premium chart usually shows indicative base premiums. The final premium may change depending on factors such as discounts, add-ons selected, medical history, underwriting decisions, and city zone classification.

Should I choose a plan only based on the lowest premium?

Not always. While premiums matter, it’s also important to review coverage benefits, exclusions, claim support, and waiting periods. Sometimes, a slightly higher premium offers better protection. You can also explore our guide on the best health insurance plans to find options that suit your needs.