Oriental Health Insurance Top-up & Super Top-up Plans

A super top-up policy is an additional cover that a policyholder invests in to expand their health insurance coverage. An ultimate boon, a super top-up policy plays a vital role in increasing the sum insured while maintaining an affordable premium rate. When your current medical plan fails to cover your medical bills, a super top-up coverage is a great option to consider. A super top-up policy, often known as a back-up plan, keeps you financially secure while also allowing you to focus on treatment rather than bills.

Other than a primary health insurance cover, a super top-up policy is the ideal supplement one can depend on when their primary insurance gets exhausted. The preferred choice of one and all, super top-up policies cover ‘multiple’ hospitalisations and look at the aggregate claim.

Oriental Super Health Top-Up

Oriental Insurance's Super Health Top-Up is a popular top-up insurance product. Oriental Super Health Top-Up Policy bridges the gap between what the insured can pay and the actual amount required in the case of an unforeseen, expensive hospitalisation by providing additional protection at a low premium rate.

Key Benefits of Oriental Super Health Top-Up

Oriental Super Health Top-Up is an excellent Top-Up policy that an insured can rely on when the cost of their medical treatment exceeds expectation. A dependable solution, the policy can be availed for a period of 1 year. Talking about the sum insured range of Oriental Super Health Top-Up, it starts from Rs. 3 lakh and goes up to Rs. 30 lakh. The deductibles range between Rs. 3 lakh and Rs. 20 lakh. The benefits covered under the super top-up policy include in-patient hospitalisation, pre & post hospitalisation, as well as:

• AYUSH treatment
• Daycare procedures
• Maternity coverage up to 10% of the Sum Insured
• New Born Baby cover up to 5% of the Sum Insured
• Treatment in SAARC countries (considered on reimbursement basis)
• Dental treatment arising from disease or injury, requiring hospitalisation

Who Can Buy this Plan?

The minimum entry age for Oriental Super Health Top-Up is 3 months. As far as the maximum entry age is concerned, it is 65 years.

Waiting Period Under the Plan

While the first waiting period for all illnesses is 30 days, the waiting period for pre-existing diseases is 48 months or 4 years. Similarly, after 12 months, the super Top-Up coverage covers maternity expenses and after 24 months, organ donor benefit (if the insured is the donor).

Renewability of the Plan

Oriental Super Health Top-Up comes with the feature of lifetime renewability.

Exclusions Under the Plan

• STDs and HIV/AIDS
• Stem cell implantation/surgery
• Substance abuse, self-inflicted injuries
• Hazardous sports, terrorism, war, civil war or breach of law
• Surgery for correction of eyesight, cost of spectacles, hearing aids, etc.