Oriental Super Health Top-up Health Insurance

By choosing Oriental Super Top-up, you secure yourself and your family against numerous medical expenses that might not fit your estimated medical budget. The few prime expenses covered under the plan include room rent, nursing & boarding expenses, and cost of anesthesia, blood, oxygen, operation theatre charges, etc. The list of other key elements covered under the Oriental Super Top-up Policy includes - 

• 30 days pre-hospitalisation expenses
• 60 days post-hospitalisation expenses
• Specified/listed day care procedures
• Dental treatment arising from disease or injury, requiring hospitalisation
• Maternity coverage up to 10% of the sum insured
• New Born Baby cover up to 5% of the sum insured
• Organ Donor Expenses - When insured is the recipient
• Organ Donor Benefit - When insured is the donor
• Expenses incurred in AYUSH treatment, only when taken as in-patient
• Treatment in SAARC countries - Afghanistan, Bhutan, Bangladesh, Nepal, Maldives, Pakistan, Sri Lanka, considered only on reimbursement basis
• For fresh proposals - Reimbursement of 50% of the cost of medical check-up 

Encompassing a string of benefits, Oriental Super Top-up Policy proves itself as a superior choice by financially securing the insured by providing broad coverage for various expenses. However, you can also expect convenient features under the super top-up policy that take its worth to the next level. The major elements that make Oriental Super Top-up Policy complete are -

• Renewable for life
• Grace period - 30 days
• Free look period - 15 days
• Simple claim settlement procedure
• Easy policy portability 
• No restriction on the number of claims made in a policy year
• Coverage for pre-existing diseases after 4 continuous policy periods
• Tax benefits under Section 80D of the Income Tax Act

Oriental Super Top-up is an ideal solution if you want to get your medical needs met without facing any form of inconvenience, especially financial. This policy is highly recommended if you want a high coverage, low premium super top up.

To get your policy issued quickly, it would be better to make an online purchase. You can opt for InsuranceDekho to purchase the policy and gain policy transparency, claim settlement support, policy portability, and other benefits.

By having Oriental Super Health Top-up plan by your side, you can enjoy pre and post hospitalisation benefits and also get cover for the charges of room, nursing, boarding, anesthesia, blood, oxygen, operation theatre, etc. You’ll also get organ donor benefits, AYUSH treatment and cover for delivery, including C-section or legal medical termination of pregnancy.

Yes, the policy covers insured persons in SAARC countries viz- Afghanistan, Bangladesh, Bhutan, Maldives, Nepal, Pakistan, Sri Lanka. But, the cover is available only on the reimbursement basis. 

Yes, maternity expenses are covered under the Oriental Super Health Top-up. The policy covers up to 2 deliveries after 12 months waiting period, only as an inpatient. 

You can buy the Oriental Super Health Top-up plan for a period of 1 year and then get it renewed lifelong.