Oriental Insurance Online | Trusted General Insurance Provider

Dec 16, 2025
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Oriental Insurance Company Limited is a government-owned general insurance provider with a long-standing reputation for offering diverse insurance products. Whether it's health, motor, home, or travel insurance, the Oriental Insurance Company has catered to millions of customers across India. However, purchasing an insurance policy is just the beginning. The key to uninterrupted protection lies in timely policy renewal.

In this guide, we will explore everything you need to know about Oriental Insurance policy renewal, including the process, benefits, documents required, premium payment options, renewal grace periods, and how to deal with expired policies. Whether you're renewing a car, bike, or health insurance policy, this guide ensures you're well-informed and ready to act on time.

1. What is Oriental Insurance Policy Renewal?

Policy renewal refers to the process of extending your existing insurance coverage beyond its initial term. Most general insurance policies, including health and motor, are valid for a fixed period, usually one year. Upon nearing the end of this term, the insured must renew the policy to maintain uninterrupted coverage.

Oriental Insurance policy renewal is a simple yet vital process. It ensures that you continue to enjoy the benefits of your policy, such as financial protection, legal compliance (in the case of motor insurance), and no-claim bonuses.

2. Why is Timely Renewal Important?

Timely renewal of an Oriental Insurance policy is crucial for several reasons:

Uninterrupted Coverage: An expired policy means no protection. Timely renewal ensures continuous coverage.
Avoid Inspection or Documentation Delays: Delayed renewals, especially for motor insurance, may require vehicle inspection.
Retention of No Claim Bonus (NCB): If you fail to renew within 90 days of expiry, you may lose your accumulated NCB.
Legal Penalties: Driving a vehicle without valid insurance is a legal offence and may attract penalties or imprisonment.
Medical Emergencies: A lapse in health insurance could leave you exposed to enormous out-of-pocket medical costs.

3. Types of Policies You Can Renew Online

You can renew several types of Oriental Insurance policies online, such as:

Motor Insurance (Car/Bike/Commercial Vehicle)
Health Insurance
Personal Accident Insurance
Home Insurance
Travel Insurance

Renewing these policies on time ensures uninterrupted coverage and protects you from financial risks.

4. Oriental Insurance Policy Renewal Process (Online Method)

Oriental Insurance has made its renewal process seamless and user-friendly. Here’s a step-by-step guide for online renewal:

Step 1: Visit the Official Website

Go to the official website of Oriental Insurance Company: https://orientalinsurance.org.in

Step 2: Select 'Renew Online'

Navigate to the 'Renew' section on the homepage. Choose the relevant policy type – motor, health, or any other.

Step 3: Enter Policy Details

Input your existing policy number, date of birth, and other requested details.

Step 4: View Policy Details

Once you input the information, your policy details will appear. Check all the data carefully for correctness.

Step 5: Make Premium Payment

Choose your preferred payment method – net banking, credit/debit card, UPI, or wallet – and complete the transaction.

Step 6: Receive Confirmation

After successful payment, you will receive a confirmation on-screen and via email/SMS. You can download the renewed policy document immediately.

5. Offline Renewal Process

If you're more comfortable with offline methods, Oriental Insurance offers the option to renew your policy at their branches:

Visit the nearest Oriental Insurance office.
Provide your existing policy number and identification documents.
Verify the details and make payment at the counter.
Collect the renewed policy document in print.

Offline renewal is especially helpful for those who prefer human assistance or have complex policies requiring clarification.

6. Documents Required for Policy Renewal

The documentation required for renewal is minimal, especially for online renewals. Here's what you typically need:

Existing policy number
Vehicle registration number (for motor insurance)
Identity proof (for health insurance, offline renewals)
Address proof (if changes are to be made)
Recent photographs (for offline renewals in some cases)
Past claim details, if applicable

For online renewals, you may not need to upload any documents unless there are changes in personal or vehicle details.

7. Premium Calculation and Factors Affecting Renewal Premium

Oriental Insurance calculates your premium based on several factors, such as:

Type of Policy: Health, motor, home, etc.
Insured Amount (Sum Insured)
Policy Tenure
Claim History
No Claim Bonus (NCB)
Age and Health Conditions (for health insurance)
Vehicle Make and Model (for motor insurance)
Geographical Zone

Before you renew, it’s wise to use the premium calculator available on their website to get an estimate.

8. Renewal Grace Period

Oriental Insurance usually offers a grace period after the policy expiry. During this time, you can still renew your policy without losing benefits such as NCB.

Motor Insurance: Grace period of 90 days. No coverage is provided during this period.
Health Insurance: Usually up to 30 days grace period. Claims during this period are not admissible.

Failing to renew within the grace period may result in policy lapse and loss of benefits.

9. How to Renew a Lapsed Policy

If your Oriental Insurance policy has lapsed, don’t panic. Here's how you can renew it:

Visit the Oriental Insurance office.
Request for policy revival or renewal.
Vehicle inspection may be needed (for motor policies).
Health check-up might be required (for health policies).
Provide updated documentation.
Pay the renewal premium and applicable penalties if any.

Approval is subject to underwriting norms and may take a few days.

10. Renewal Tips to Keep in Mind

Here are some tips to ensure a smooth renewal experience:

Renew Early: Don’t wait for the grace period; renew at least 7 days before expiry.
Set Reminders: Use mobile calendars or email alerts.
Verify Details: Check all fields for accuracy before making payment.
Check Discounts: Look for loyalty bonuses or NCB benefits.
Update Details: Inform the insurer of any changes in address, vehicle ownership, etc.

11. No Claim Bonus (NCB) and Its Impact on Renewal

One of the most significant benefits of renewing your policy on time is the No Claim Bonus (NCB). It is a reward for not raising any claims during the policy term.

NCB starts at 20% and can go up to 50% over the years.
It significantly reduces your premium at renewal.
It is applicable primarily for motor insurance.

However, NCB is forfeited if the policy is not renewed within 90 days after expiry. Make sure to renew in time to preserve your bonus.

12. Oriental Insurance Mobile App for Policy Renewal

Oriental Insurance also offers a mobile app for easier policy management:

Download the app from Google Play Store or Apple App Store.
Log in using your mobile number and policy details.
View your existing policies.
Renew them with a few taps.
Get instant digital copies of your policy.

The mobile app adds convenience, especially for on-the-go users.

13. Customer Support for Renewal Queries

If you face any issues during renewal, Oriental Insurance provides multiple support options:

Toll-free Number: 1800-11-8485 / 011-33208485
Email Support: csd@orientalinsurance.co.in
Nearest Branch Locator: Available on the official website
Grievance Redressal: Option available on website and app

Always keep your policy number handy while seeking help.

14. Benefits of Renewing Oriental Insurance Policy Online

Here’s why online renewal is recommended:

Convenient and Fast
24/7 Access
Instant Premium Calculation
Secure Payment Options
Paperless Process
No Need for Agents

Online renewal is particularly useful during emergencies or when you're short on time.

15. Can You Modify Policy Details at Renewal?

Yes, Oriental Insurance allows you to modify certain details during renewal, such as:

Change of address
Change in nominee
Increase/decrease of sum insured
Add-on covers (health/motor insurance)
Correcting personal details

However, some changes may require underwriting approval or documentation, especially for offline renewals.

16. Oriental Health Insurance Renewal

Health insurance policies require special attention during renewal:

Renew within the grace period to maintain continuity benefits like waiting periods.
Review and update sum insured if needed.
You may undergo a health checkup if the policy lapsed.
Consider porting to a better plan within Oriental if your current plan is outdated.

Ensure that any existing ailments are disclosed during renewal.

17. Oriental Motor Insurance Renewal

For car and two-wheeler insurance:

Get a renewal reminder 45-60 days before expiry.
Check for IDV (Insured Declared Value) updates.
Include add-ons like zero depreciation, engine protection, or roadside assistance.
Renew before expiry to avoid vehicle inspection.
Ensure PUC and registration are up-to-date.

18. Oriental Travel Insurance Renewal

If you’re a frequent traveler, you can renew your travel insurance policy before the trip:

Check the duration of the renewed policy.
Declare any recent medical conditions.
Customize your cover for specific countries if needed.
Some long-term travel plans allow mid-term renewals.

Conclusion

Renewing your Oriental Insurance policy is not just a formality; it is a crucial financial and legal responsibility. Whether it’s health, motor, or any other general insurance policy, timely renewal ensures peace of mind, legal compliance, and retention of benefits like NCB and continuity of coverage.

With the digital-first approach of Oriental Insurance, policyholders can renew their policies from anywhere at any time. It’s fast, secure, and highly efficient.

Mark your calendar, keep your policy details handy, and renew your Oriental Insurance policy before it lapses. A few minutes of proactive action can save you from potential financial distress.

FAQs

Q1. What happens if I forget to renew my Oriental Insurance policy on time?
If you miss the renewal date, you may enter a grace period (30-90 days depending on policy type). However, no coverage is provided during this time. If the grace period is also missed, the policy lapses, and you lose benefits like NCB and continuity coverage.

Q2. Can I change my policy details during renewal?
Yes, certain modifications such as change of address, nominee, sum insured, and add-on covers can be made during renewal. However, some changes might require documentation or underwriting approval.

Q3. How do I know when my Oriental Insurance policy is due for renewal?
You can check the renewal date on your policy document. Additionally, Oriental Insurance usually sends reminders via SMS and email before the policy expires. Setting a personal reminder is also advisable.