Oriental Health for Maternity

Becoming a parent is one of the best feelings in the world. ...Read More

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Anshika Ojha is a content writer with more than 2 years of experience and holds expertise across various formats of content. She focuses on simplifying health insurance jargon and making it easy for readers to understand.

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Raj Kumar

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Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Updated on Mar 30, 2026 4 min read

Oriental Health Insurance for Maternity

Becoming a parent is one of the best feelings in the world. A maternity health insurance plan provides financial security for couples who want to bring their bundle of joy into the world and plan to expand their family. However, the pregnancy and childbirth process involves physical and emotional stress as well as financial obligations as it involves regular doctor visits, medical tests, pre-natal, medicines and supplements, birthing classes, and more. A couple needs to be financially secure as bringing a new life into the world and caring for it does not stop post-delivery, once the baby is born it requires attention including medical vaccines, doctor visits, treatments for congenital diseases if any, and other medical expenses. Oriental Health Insurance is an all-around insurance provider, offering unique health plans for individuals, families, and corporations.

Oriental Insurance maternity coverage is a unique health insurance plan offering maternity as well as newborn baby coverage. The plan offers multiple features and benefits offering new parents everything they need under one plan. Oriental insurance maternity coverage is a 1 year policy period with lifelong renewability and a high sum insured ranging between INR 12 to 50 Lac at affordable premiums.

Oriental Health Insurance Maternity Cover Eligibility Criteria

 

Entry Age

New Born: Day 1 to 90 Days
Child: 91 Days to 25 Years

 

Entry Age Adult

Adult: 18 Years
Maximum:65 Years

 

Policy Term

1 Year

 

Plan Type

Individual/ Family Floater

 

Sum Insured (in Rs.)

12 L | 15 L | 18L | 20 L | 25 L | 30 L | 40 L | 50 L

 

Initial Waiting Period

30 Days*

Key Benefits of Oriental Health Insurance Maternity Cover

There are a plethora of benefits when it comes to investing in Oriental Insurance Maternity Coverage Plan for a couple who wants to start a family as it acts as a financial cushion.

  • Tax Benefits Opting for maternity cover in oriental insurance is beneficial as the plan is eligible to avail of tax benefits on the premiums paid towards the policy under the Income Tax Act.
  • Second Opinion Oriental Insurance maternity cover offers Medical Second Opinion for 11 specified major Illnesses up to INR 25,000 per policy period.
  • Organ Donor Individuals are covered for organ donor expenses for both cases when the Insured Person is a Recipient and when the Insured person is a donor under Oriental Insurance maternity cover. Organ Donor expenses are covered up to the sum insured.
  • New Born Baby Cover Oriental Insurance maternity cover offers newborn baby cover which starts from day 1 up to the age of 90 days. The insurer offers newborn baby cover limited to 2.5% of the Sum Insured.
  • Domiciliary Hospitalization Oriental Insurance maternity cover offers domiciliary hospitalization up to a maximum of Maximum Rs. 50,000 during the Policy Period.

Oriental Health Insurance Maternity Cover Inclusions

Inclusions of maternity cover in oriental insurance are mentioned below

Pre and post hospitalization expenses

Daycare Treatments

Pregnancy cover

Home Treatment

Organ Donor

Ambulance cover

New born baby cover

Domiciliary Hospitalization

AYUSH Cover

Medical Second Opinion

Air Ambulance Cover

Accidental Death Benefit

Total Permanent Disability Benefit

Critical Illness Additional SI

Oriental Health Insurance Maternity Cover Exclusions

Exclusions of maternity cover in oriental insurance are mentioned below

Intentional self-Injury, suicide or attempted suicide

Death due to intoxication

Injuries/death due to adventure sports

Death caused by venereal disease(s) .

Death or injury arising or resulting from insured committing breach of law with criminal intent

Injury or Death due to ionizing radiation or contamination by radioactivity from any nuclear fuel, nuclear weapon material, or from any nuclear waste from the combustion of nuclear fuel.

Injury or death caused by, contributed to, aggravated or prolonged by child birth or from pregnancy or in consequence thereof.

Injury or Death due to war, invasion, act of foreign enemy, hostilities( whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainments of people

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To cater to the different medical needs of an individual & their family, Oriental Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Oriental Health Insurance plans explore more:

Individual

Individual Mediclaim Policy

Individual Mediclaim Policy

Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy that is designed to take care of all your medical ...

Unique Features

  • AYUSH Benefits Covered
  • Inclusions and Exclusions
  • Lifetime Renewability

Individual Mediclaim Policy (Pros)

Individual Mediclaim Policy
  • Family discount
  • Voluntary co-payment
  • Daily hospital cash

Individual Mediclaim Policy (Cons)

Individual Mediclaim Policy
  • Alcoholism and drug abuse
  • Obesity
  • Cosmetic procedures

Individual Mediclaim Policy (Other Benefits)

Individual Mediclaim Policy
  • Personal accident cover
  • Medical second opinion
  • Multiple SI options

Individual Mediclaim Policy (Eligibility Criteria)

Individual Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

PNB Oriental Royal Mediclaim Insurance Policy

PNB Oriental Royal Mediclaim Insurance Policy

PNB Oriental Royal Mediclaim policy introduced by Oriental Health Insurance provides comprehensive coverage to the account holders of Punjab National ...

Unique Features

  • Individual and Family Floater
  • AYUSH Cover
  • Check the Eligibility Criteria

PNB Oriental Royal Mediclaim Insurance Policy (Pros)

PNB Oriental Royal Mediclaim Insurance Policy
  • Covers family
  • High sum insured
  • Ambulance cover

PNB Oriental Royal Mediclaim Insurance Policy (Cons)

PNB Oriental Royal Mediclaim Insurance Policy
  • Illegal activities
  • Alcoholism and drug abuse
  • Obesity

PNB Oriental Royal Mediclaim Insurance Policy (Other Benefits)

PNB Oriental Royal Mediclaim Insurance Policy
  • Pre and post-hospitalization
  • Multiple variants
  • Daily hospital cash

PNB Oriental Royal Mediclaim Insurance Policy (Eligibility Criteria)

PNB Oriental Royal Mediclaim Insurance Policy
  • Min entry age: 18 Years
  • Max entry age: 79 Years
  • Initial waiting period: 30 Days
  • Sum insured: Up to 10 L

Individual and Family Health Insurance

Oriental Happy Family Floater Policy

Oriental Happy Family Floater Policy

Oriental Family Floater Policy offers versatile coverage options to their policyholders. Oriental Health Insurance designed the plan to align with dif...

Unique Features

  • International Cover
  • Multiple Discount Benefits
  • E-Consultation Available

Oriental Happy Family Floater Policy (Pros)

Oriental Happy Family Floater Policy
  • Domiciliary hospitalization
  • Pre and post-hospitalization
  • Newborn baby expenses

Oriental Happy Family Floater Policy (Cons)

Oriental Happy Family Floater Policy
  • Illegal activities
  • Alcoholism and drug abuse
  • Obesity

Oriental Happy Family Floater Policy (Other Benefits)

Oriental Happy Family Floater Policy
  • Tele consultation
  • Telemedicine
  • Accidental death benefit

Oriental Happy Family Floater Policy (Eligibility Criteria)

Oriental Happy Family Floater Policy
  • Min entry age: 18 Years
  • Max entry age: 65 years
  • Initial waiting period: 30 days
  • Sum Insured: Up to 50 L

Accident Health Insurance

Oriental Personal Accident Policy

Oriental Personal Accident Policy

The human body is mortal such that we all can not avoid an accident that could lead us to lose our lives or any part of the body like limbs, or major ...

Unique Features

  • Covers you globally
  • Optional medical cover
  • Accidental loss compensation

Oriental Personal Accident Policy (Pros)

Oriental Personal Accident Policy
  • Accidental death
  • Injury
  • Permanent total disability

Oriental Personal Accident Policy (Cons)

Oriental Personal Accident Policy
  • Obesity
  • Illegal activities
  • Cosmetic Procedures

Oriental Personal Accident Policy (Other Benefits)

Oriental Personal Accident Policy
  • Permanent partial disability
  • Temporary total disability
  • Worldwide accidental cover

Oriental Personal Accident Policy (Eligibility Criteria)

Oriental Personal Accident Policy
  • N/A

Group Health Insurance

Oriental Bank Saathi Policy

Oriental Bank Saathi Policy

The Bank Saathi Policy of Oriental Insurance is a group health insurance plan designed to provide indemnity to insured individuals and their family me...

Unique Features

  • 2 Plan Variants
  • Newborn Baby Cover
  • Modern Treatment

Oriental Bank Saathi Policy (Pros)

Oriental Bank Saathi Policy
  • Maternity & newborn cover
  • Medical second opinion
  • Mental illness cover

Oriental Bank Saathi Policy (Cons)

Oriental Bank Saathi Policy
  • Illegal activities
  • Alcoholism
  • Adventure sports

Oriental Bank Saathi Policy (Other Benefits)

Oriental Bank Saathi Policy
  • Tax benefits
  • AYUSH treatment
  • Modern treatments

Oriental Bank Saathi Policy (Eligibility Criteria)

Oriental Bank Saathi Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

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Oriental Health Insurance for Maternity: FAQs

1. What are the eligibility criteria for an oriental insurance maternity policy?

The eligibility criteria for Oriental insurance maternity policy for adults is 18 years to 65 years. A new born child is covered from day 1 to the age of 90 days. Dependent children are covered from 91 days till 25 years.

2. What are the sum insured options available under the oriental insurance maternity policy?

The Oriental insurance maternity coverage offers a high sum insured range starting from INR 12 LAc to INR 50 Lac.

3. Is a newborn baby covered under Oriental insurance maternity coverage?

Yes, under oriental insurance maternity coverage new born baby cover starts from day 1 up to the age of 90 days. The insurer offers new born baby cover limited to 2.5% of the Sum Insured.

4. Is there a waiting period applicable for Oriental Insurance maternity coverage?

The following waiting periods are applicable under Oriental insurance maternity coverage Pre-existing diseases - 48 months Specific illnesses waiting period is applicable as per listed in the policy wordings 30 day waiting period

5. Is there a limit to maternity cover under Oriental insurance maternity coverage?

Maternity cover is applicable for up to 2.5% of the Sum Insured.

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