Oriental Super Health Top-Up Policy

The following are the key features and benefits of choosing the Oriental Super Health Top-Up Insurance Plan.

• Organ Donor Expenses- When Insured Person Is the Recipient: If the donation complies with the Transplantation of Human Organs Act of 1994, the policy will pay for the inpatient hospitalisation costs of the individual giving the insured person’s organ.

• Maternity Expenses: According to the policy, maternity costs are automatically covered by up to 10% of the Sum Insured. For a maximum of two deliveries or terminations of pregnancy (or either) throughout the policy year, the Company will reimburse the Medical Expenses incurred as an inpatient for either a delivery (including a caesarean section) or a legal medical termination of pregnancy.

• New Born Baby Cover: This benefit is only accessible if the insured person and his or her spouse are both covered by the family floater plan or individual plan of the Policy, as applicable. Up to 90 days after the baby’s birth, the insurance automatically covers the newborn up to 5% of the Sum Insured. Only after paying the required additional premium is coverage for periods longer than 90 days available for the entire Sum Insured.

• Telemedicine: Costs associated with the diagnosis and treatment of a sickness or ailment covered by the policy using telemedicine or teleconsultation with a licensed physician.

• Coverage To SAARC Countries: The policy automatically extends coverage to insured individuals travelling to SAARC nations, including Afghanistan, Bangladesh, Bhutan, the Maldives, Nepal, Pakistan, and Sri Lanka. However, for treatment received outside of India, Cashless service will not be offered, and such claims would only be taken into account on a reimbursement basis upon the insured person’s return to India.

• Family Discount: If more than one person is covered by the policy with separate Sums Insured per person (i.e. in respect of an Individual plan), the policy provides a discount of up to 10%.

• Loyalty Discount: The policy offers 10% off the premium that is given to those who are already insured by an Oriental basic health insurance policy at the time of purchase (retail or bancassurance only). This base health insurance plan from Oriental must still be in effect at the time of renewal to qualify for this discount. Even with a Family Floater Plan, the loyalty discount would only apply to the individual(s) who already have such a policy with Oriental and not to the entire insurance premium.

• Staff Discount: A discount of 33% on premiums is provided to all current and former employees of Oriental Insurance Company Ltd. However, where the Staff discount is used, no commission and no additional discounts (apart from the Portal discount, if applicable) are permitted.

• Portal Discount: If the Policy is purchased online via our Portal and there is no involvement of a middleman, a 10% premium discount is offered, up to a maximum of Rs. 2000. This discount is only available the first time this policy is purchased; renewals are not eligible. 

• Free Look Period: The free look period shall only apply to new individual health insurance plans; it shall not apply to renewals or when a policy is ported or moved. From the date of receipt of the policy document, the insured has fifteen days to evaluate the terms and conditions and return the document if they are not acceptable.

• Grace Period: If the policy renewal is delayed, a grace period of 30 days is permitted. But during the grace period, there won’t be any coverage.