Oriental Super Top up Health Insurance Plan

Oriental Super Health Top-up Plan offers health insurance cover above your regular medical cover.For any treatment or hospitalization, that exceeds your regular health insurance sum insured, a Super top-up plan is what helps you meet the remaining cost of the treatment. 

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Oriental Super Top up Health Insurance Plan

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Oriental Super Top-up health insurance plan provides sum insured options up to Rs 30 lakh, and the deductibles start from Rs 3 lakh. Once this deductible amount is exhausted, the policy benefits get enforced to help you meet the complete cost of the treatment.  

    Eligibility Criteria



    Sum Insured

    Rs 3 to 30 lakh


    Rs  3 lakh to 20 lakh

    Waiting period for pre-existing diseases

    48 months



    Key Benefits of Oriental Super Top-up Health Insurance Plan

    Oriental Super Health Top-up Plan comes with the following key features and benefits:

    • Oriental super top-up health insurance provides health coverage to policyholders in SAARC Countries
    • However, outside India, the services are available on a reimbursement basis
    • The policy is valid for a year and renewable for a lifelong
    • You can buy Oriental health super top-up policy even if you do not have a base health insurance plan

    Inclusions of Oriental Super Top-up Health Insurance Plan

    Oriental Super top-up health plan covers the following medical expenses:

    • It covers 11 critical illnesses
    • Daily Hospital Cash Allowance Benefit is provided
    • Dental expenses due to such injury or illness that requires hospitalization for treatment.
    • Provides  Maternity coverage up to 10% of the Sum Insured
    • New Born Baby cover up to 5% of the Sum Insured
    • When the Insured is the Organ Receiver, it covers the expenses up to the Sum Insured
    • In cases when the Insured person is the Organ Donor, it provides a lump sum payment as the Organ Door Benefit, which is 10% of the Sum Insured
    • Expenses for Telemedicine procedures covered
    • Advanced surgeries, robotic treatments, and modern treatments  
    • It even covers mental illnesses
    • You can avail of medical second opinion cover
    • It includes the AYUSH treatment cover as well
    • It provides Accident, Life and Survival Benefits
    • Coverage is provided  in SAARC countries

    For detailed policy inclusions, you can check out the Oriental Health Super top-up plan brochure online. Oriental health super top-up premium chart table is also given in the policy brochure. Moreover, if you want to save time you can use the Oriental health insurance premium calculator online to know the premium cost in advance.

    Exclusions of Oriental Super Top-up Health Insurance Plan

    Oriental health Super top-up policy does not cover the following medical expenses:

    • Hospitalization for diagnostic purposes
    • Sex-change surgery, cosmetic surgery, and plastic surgery
    • Infertility treatments
    • Obesity and weight control
    • Hazardous activities and adventure sports
    • Refractive error, cosmetic dental surgeries
    • Dietary supplements.
    • Unproven treatments.
    • Self-harm and self-inflicted injuries.

    For more information about exclusions, please refer to the plan brochure or the policy document. If you are planning to buy this policy or any other Oriental health insurance plans then you can write to us at care@policybazaar.com or call us at 1800-708-8787.


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