Oriental Super Top-up Health Insurance Plans Online

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.

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

Criteria	Specifications
Sum Insured	Rs 3 to 30 lakh
Deductible	Rs 3 lakh to 20 lakh
Waiting period for pre-existing diseases	48 months
Renewability	Lifelong

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.

FAQs

Q1. What is the base policy term under the Oriental Super top-up health plan?

The base term of the policy under discussion is one year and is fully renewable for subsequent terms.
Q2. Are there any options during the Coronavirus pandemic for Telemedicine under the Oriental health Super top-up plan?

Yes, the Oriental health Super top-up plan allows that option. For diagnosis or treatment of any disease covered under the plan, the policyholder can seek a telemedicine-based sitting with a registered medical practitioner.
Q3. Can the maximum entry age be extended under the Oriental health Super top-up plan?

Yes, you can extend the entry age from 65 years to 70 years. This is possible only in the silver and gold plans. The extension involves compulsory co-payments of 10% and another 10% co-payments at the time of renewals. This is mandatory for every single claim and is levied on each subsequent renewal.
Q4. Where can I buy the Oriental health Super top-up plan?

You can buy this super top-up plan from Oriental Insurance Company Limited through Policybazaar.com or the insurer directly. You can call us at 1800-708-8787 or email us at care@policybazaar.com
Q5. Is mental wellbeing covered in the Oriental health Super top-up plan?

Yes, this super top-up policy provides mental illness cover. However, there are certain terms and conditions under which the coverage is provided, and everyone is requested to go through. Mental conditions that arise out of alcohol abuse, drug or substance abuse, retardation, and those requiring counselling or therapy are not included in this plan.