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Oriental Super Health Top-up Health Insurance

161 reviews Rate This
Oriental Health Insurance
Super Health Top-up
Claim SettlementDedicated Team
Claim Settlement Ratio93.96%
COVID-19 CoverYes
Network Hospitals4,300+
Policies Sold12,50,812

About Oriental Super Health Top-up Health Insurance

Oriental Super Health Top-Up Policy is an affordable as well as simple-to-understand health insurance policy that covers you and your family for several healthcare expenses in case of an emergency. The policy covers people aged between 91 days and 70 years for a wide range of sum insured options between Rs. 3 Lakh and Rs. 30 Lakh. It comes with several deductible options starting from Rs. 3 Lakh going up to Rs. 20 Lakh, which you can choose as per your requirement. The payment basis under this policy is reimbursement of covered expenses up to specific limits and/or fixed amounts on the occurrence of a covered event. If covered under this health insurance plan, you can avail lifetime renewability benefit.

The Oriental Insurance Super Top-Up policy covers several healthcare expenses, some of which include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, maternity expenses, newborn baby expenses, etc. But it comes with certain waiting periods which you need to complete before you will be eligible to avail of the coverage benefits. These are initial waiting periods, specific waiting periods, waiting periods for maternity expenses, waiting periods for organ donor cover, and waiting periods for pre-existing diseases. Other than the coverage benefits, this Super top-up policy also comes with a free look period, migration and portability benefits, an increase in the sum insured dueting policy period, etc.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cover for organ donor expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Dental expenses arising due to a disease or an injury and if requiring hospitalisation
  • Maternity related expenses for up to 10% of the sum insured
  • The plan includes newborn baby cover for up to 5% of the sum insured

What's Not Included

  • Substance abuse, self-inflicted injuries, HIV etc
  • Expenses related to circumcision, sex-change surgery cosmetic surgery and plastic surgery
  • Expenses for refractive error correction, cosmetic dental surgeries, and hearing impairment correction
  • Injury or disease directly or indirectly caused by war, invasion, or act of foreign enemy
  • Treatments required due to participation in hazardous activities or adventure sports like mountain climbing, etc.
  • Any service charge, surcharge admission fees, registration fees levied by the hospital

Super Health Top-up User Reviews

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What users are saying
  • All
  • Making a claim for my Oriental Insurance- Super Health Top-up Policy with InsuranceDekho was surprisingly effo...

    Read More
    By Shailesh Vritti
    On: Sep 25, 2023
  • For frequent travelers like me, InsuranceDekho's policies offer global coverage. The Oriental Insurance- Super...

    Read More
    By Kaplesh Prasad
    On: Sep 14, 2023
  • I saw a wide range of payment methods to buy a policy from InsuranceDekho, all the online payments are safe, s...

    Read More
    By Saina Gupta
    On: Aug 29, 2023
  • I am happy to have Super Health Top Up plan because of its minimum premium for maximum coverage! The best part...

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    By Anjali Kumari
    On: Jan 31, 2020
  • This is good for me. It covers everything such as room, nursing, and boarding expenses provided by the hospita...

    Read More
    By Alka Srivastava
    On: Jan 21, 2020

Oriental Super Health Top-up Expert Review

  • Expert Review

    Oriental Super Top-up is an excellent super top up plan. Those with the need of an extensive health insurance coverage, this policy can be the ultimate choice for you. A customer-friendly policy that’s also affordable, Oriental Super Top-up comes across as a savior when you need financial help and cannot afford to lose your savings in one go. All in all, Super Top-up by Oriental Insurance is a buffer that you may need at a crucial stage. 

    To begin with, the eligibility age range for Oriental Super Top-up starts at 18 years and goes up to 70 years. Dependent children aged 91 days to 18 years can also be covered under the plan. Available for a policy period of 1 year, Oriental Super Top-up lets you secure the health of self, spouse, parents, parents-in-law, apart from dependent children. Talking about sum insured options, they range between Rs. 3 Lakh to Rs. 30 Lakh. Available on both, individual and family floater basis, the policy has a deductible range starting from Rs. 3 Lakh up to Rs. 20 Lakh. 

  • Major Attractions

    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 
  • What’s More?

    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
  • Conclusion

    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.

Oriental Super Health Top-up Brochure

  • 580.33 KB
  • PDF Document
  • Jul 25, 2019

Claim Process at Oriental Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Super Health Top-up Health Insurance Plan

  • Can I buy the Oriental Super Health Top-up plan online?

    Yes. You can buy Oriental Super Health Top-Up Policy easily at InsuranceDekho by following a few simple steps mentioned below: 

    1. Visit InsuranceDekho. Click on the ‘Health’ tab.
    2. Select your gender. Then enter your personal details including your Name and Mobile Number. You will receive a  Time Password on the provided mobile number. Kindly enter that.
    3. Give an answer to the question ‘When do you want to buy the policy by choosing one of the options from the drop-down menu and then click on the ‘View Quotes’ button. 
    4. Select your family members whom you want to include under this policy. Then click ‘Continue’.

  • What are the coverage benefits under the Oriental Super Health Top-up plan?

    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.

  • Does the Oriental Super Health Top-up cover the treatment taken outside India?

    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. 

  • Are maternity expenses covered under the Oriental Super Health Top-up plan?

    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. 

  • What is the term of the policy?

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

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