Oriental Insurance

Super Top-Up Plan: Offers a maximum cover of 30 lakhs, with restrictions on room rent (1% of the deductible amount). This plan may require you to pay more if you exceed room rent limits.

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whatWeLike What We Like

This section highlights the strengths and benefits of Super Health Top-up policy by Oriental Insurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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Your insurer won’t pay the full bill for certain diseases

Modern Treatments (10% Limit): Modern treatments are limited to 10% of the sum insured.

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Some Cover for Alternative Medicine

Alternative Treatment Full Coverage (100%): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insur...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Super Health Top-up policy by Oriental Insurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Super Health Top Up in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Super Health Top-Up Plan is designed to provide additional coverage over and above existing health insurance, ideal for covering high medical expenses.

Yes, pre-existing conditions are covered after a waiting period of 24 months.

The deductible is the amount that must be paid out-of-pocket before the insurance coverage kicks in; this plan allows you to choose the deductible amount.

No, the Super Health Top-Up Plan does not cover outpatient consultations.

Confused? Talk to our certified health insurance experts

If you're unsure about how to use your insurance for an upcoming surgery or need help understanding your current coverage, talk to an expert for FREE by clicking here. Book a call now, limited slots available!

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