Oriental Super Health Top-up

It is essential for unpredictable medical emergencies or illnesses to cover oneself with a health insurance plan that can offer quick access to good medical and hospitalization facilities. Therefore, the plan can provide additional protection for any financial upheaval caused by health emergencies. One can buy an Oriental Super Health Top-up plan from Oriental Health Insurance covering all medical and hospitalization expenses and maternity cover benefits.

Type	Individual or Family floater
Minimum Entry Age	Child: 90 days Adult: 18 years
Maximum Entry Age	Adult: 65 years; 70 years, with 10% extra premium loading
Number of people covered	Self, Spouse, Parents or Parents-in-law, and Dependent Children
Residential Status	Indian Citizens and Residents

Coverage Offered

To buy Oriental Super Health Top-up plan, one can either opt for an Individual plan or a family floater plan up to the sum insured, ranging from 3 lakhs to 30 lakhs.

The following basic coverage is provided under the Oriental Super Health Top-up Health Insurance:

In-hospitalization benefit- Any medical expenses incurred during in-hospitalization are covered, including room rent, ICU charges etc., up to the sum insured.
Pre-hospitalization benefit-Any medical expenses incurred up to 30 days before hospitalization are covered.
Post-hospitalization benefit- Any medical expenses incurred up to 60 days after hospitalization are covered.
Daycare treatments - Medical procedures that require less than 24 hours for hospitalization are covered.
Dental treatments- Any dental treatments that arise due to an illness or accident are covered.
Maternity Benefit - Maternity expenses incurred during hospitalization are covered up to 10% of the sum insured. The newborn baby cover is provided up to 5 % of the sum insured for 90 days.
Organ donor benefit -Organ donor expenses are provided whether the policyholder is a recipient or a donor.
Telemedicine expenses - Any medical expenses incurred on teleconsultation from a qualified medical practitioner for a diagnostic treatment are covered.
Modern treatment -Treatments that require modern surgeries are covered.
Mental Illnesses -Treatment required for any mental illness is covered, including pre and post-hospitalization expenses.

Inclusions of the Plan

Apart from the basic coverage, the following covers are included in the Oriental Super Health Top-up Health Insurance:

Coverage to SAARC Countries - Persons who incur medical treatment expenses while visiting SAARC countries are covered up to the sum insured and are eligible for reimbursement.

HIV/AIDS Cover - Medical expenses incurred for treatment of HIV Aids diseases or related symptoms like acute HIV infection or clinical latency are covered.

Mid-term inclusion-Mid-term inclusion of a newly married spouse, a newborn baby or a legally adopted child is allowed.

AYUSH Treatments- Treatments taken under Ayurveda or Homeopathy are covered up to the sum insured limit.

Treatments covered - The following procedures are covered if treated as daycare or inpatient treatment:

Balloon Sinuplasty
IONM
Deep brain stimulation
Oral Chemotherapy
Uterine Artery embolization
Robotic surgeries
Stereotactic radio surgeries
Immunotherapy
Intravitreal injections
Bronchial Thermoplasty
Vaporization of the prostate
Stem Cell therapy

Exclusions of the plan

The following treatments and diseases, and their expenses, are excluded from the Oriental Super Health Top-up Insurance Policy:

Pre-existing diseases
Investigation or diagnostic purpose only
Sex change, cosmetic surgery, plastic surgery
Infertility treatment
Obesity and weight control
Change of gender treatments
Excluded providers
Hazardous or adventure sport
Unproven treatment
Self-harm injury
War or invasion like occurrence
Nuclear or biological attack weapons
OPD treatments
Treatment outside Indian except for SAARC countries

For a detailed list of exclusions, please refer to the policy document.

Features and benefits

The main features and benefits of the Oriental Super Health Top-up Health Insurance:

30 days waiting period for all illnesses, not applicable on renewals and accidents
Pre-existing diseases are covered after a waiting period of 12 months
Modern treatments that require advanced surgeries are covered
Organ Donor expenses are covered
The policy offers a lifelong renewability option

Cancellation of the Policy

To cancel the Oriental Super health Top-up plan, please refer to the following rules and guidelines:

A free look period of 30 days is applicable to new policies. The policyholder can return the policy within 30 days, and the amount will be refunded after deducting any expenses incurred by the company within that period and stamp duty charges.
Policy canceled after 15 days will be refunded on a pro-rata basis.
If a policy is canceled after 6 months, no amount will be refunded.

FAQs

Q1. Can one renew the plan online?

Ans. One can renew the online Oriental Super Health Top-up plan by visiting the insures' website and filling in the required details.
Q2. Is the Oriental Super Health Top-up Insurance Policy eligible for income tax exemption?

Ans. Yes, the policy is eligible for income tax exemption as per the existing IT Act laws.

*Tax benefit is subject to changes in tax laws
Q3. Can one buy more than one Oriental health Insurance plan?

Ans. Yes, one can buy more than one Oriental Health Insurance plan.
Q4. How to check the policy status?

Ans. One can check their policy status by logging on to the insurer's website if registered.
Q5. Is a pre-acceptance medical checkup required to buy Oriental Health Insurance?

Ans. A pre-acceptance medical checkup is required to buy Oriental Health Insurance for individuals with adverse medical history and individuals above 55 years of age.