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Oriental Health for Maternity

Second Medical Opinion
Maternity Cover
New Born Baby Cover

Network hospitals

3500+

Incurred claim ratio

130.09%

Sum insured

Up to 50 Lakh

No. of Plans

13

Solvency Ratio

0.6

Pan India Presence

1800+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

3500+

Incurred claim ratio

130.09%

Sum insured

Up to 50 Lakh

No. of Plans

13

Solvency Ratio

0.6

Pan India Presence

1800+

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 round insurance provider, offering unique health plans for individuals, families and corporations.

Oriental Insurance maternity coverage is a unique health plan offering maternity as well as new born baby cover. 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.

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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*

Oriental Health Insurance Maternity Cover Plans

Happy Family Floater Policy

A comprehensive policy that is designed to secure the healthcare needs of a family. The plan comes in 4 variants and the SI goes up to 20 lacs.

Unique Features

Covers SAARC countries
Midterm inclusion allowed
Assisted Reproduction Treatment

Other Maternity Health insurance Companies

Star maternity Health Insurance Plans

ICICI Lombard maternity Health Insurance Plans

SBI maternity Health Insurance Plans

Reliance maternity Health Insurance Plans

Religare maternity Health Insurance Plans

Aditya Birla maternity Health Insurance Plans

Future Generali maternity Health Insurance Plans

National maternity Health Insurance Plans

Max Bupa maternity Health Insurance Plans

HDFC ERGO maternity Health Insurance Plans

Bajaj Allianz maternity Health Insurance Plans

Acko Health Insurance for Maternity

Tata AIG Health Maternity

New India Health Insurance for Maternity

United India Health Insurance For Maternity

ManipalCigna Health Insurance for Maternity

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 Insured Person is Recipient and when Insured person is donor under Oriental Insurance maternity cover. Organ Donor expenses are covered up to sum insured.
New Born Baby Cover Oriental Insurance maternity cover offers new born baby cover which 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.
Domiciliary Hospitalization Oriental Insurance maternity cover offers domiciliary hospitalization up to a maximum of Maximum Rs. 50,000 during the Policy Period.

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Royal Sundaram Health Insurance

ManipalCigna Health Insurance

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Future Generali Health Insurance

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United India Health Insurance

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Cholamandalam MS Health Insurance

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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

Explore other Oriental Health Insurance Plans

Oriental Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Happy Family Floater Policy

A comprehensive policy that is designed to secure the healthcare needs of a family. The plan comes in 4 variants and the SI goes up to 50 lacs.

Unique Features

Covers SAARC countries
Midterm inclusion allowed
Assisted Reproduction Treatment

Happy Family Floater Policy (Pros)

New Born Baby Cover
Maternity Expenses Cover
Modern Treatments
Plastic Surgery Due To Injury
Family Floater Benefits

Happy Family Floater Policy (Cons)

No Gender Treatments
No Global Coverage
No Alcoholism Cover
No War Injury Cover
No Obesity/Weight Cover

Happy Family Floater Policy (Other Benefits)

Zone Wise Rates
Non-TPA Discount 5.5%
10% Discount on Online Renewal
Waiver of Proportionate deduction
Dental Treatment Covered

Happy Family Floater Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 50 L
Waiting Period - 30 Days

Oriental Mediclaim Insurance (Individual)

A plan for individuals and families covering domiciliary hospitalization, and daycare treatment. The plan also offers many discounts and other add-on benefits.

Unique Features

Option of voluntary co-payment
Mental Illness coverage
No Medical examination required

Mediclaim Insurance (Individual)(Pros)

10 % Family Discount
Daily Hospital Cash
Air Ambulance Cover
Personal Accident Cover
Lifetime Renewals

Mediclaim Insurance (Individual)(Cons)

No Suicide Cover
Co-Payment in Many Injuries
No Alcoholism Cover
No War Injury Cover
No Obesity/Weight Cover

Mediclaim Insurance (Individual)(Other Benefits)

Spouse Cover
Non-TPA Discount 5.5%
10% Discount on Online Renewal
Family Cover
Dependent Child Covered

Mediclaim Insurance (Individual)(Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -65 Years
SI - 10 L to 50 L
Waiting Period - 30 Days

PNB- Oriental Royal Mediclaim

The policy focuses on securing the health of PNB account holders/employees and their families. The SI goes up to 10 lacs and covers 116 day care procedures.

Unique Features

Teleconsultation/Telemedicine covered
No Pre-medical check-up
Funeral Expenses covered

OBC-Oriental Mediclaim Policy

A medical expenses covering policy for the account holders of Oriental Bank of Commerce (OBC) and covers individuals and family. The SI is up to 10 lacs.

Unique Features

Teleconsultation/Telemedicine covered
116 Day Care procedures
Coverage for funeral expenses

Oriental Happy Cash-Nischint Rahein

The policy offers Daily Cash Benefit during hospitalization. It also provides a 25% extra daily cash benefit for female policyholders at no additional premium.

Unique Features

Convalescence benefits
Lifelong renewal
Coverage for AYUSH

Happy Cash-Nischint Rahein (Pros)

Daily Cash Benefit
Day Care Treatment Cover
Parents-in-law Cover
Pre-Existing Disease Cover
Hospitalization Cover

Happy Cash-Nischint Rahein (Cons)

No Suicide Cover
No Unproven Treatment Cover
No Biological Injury Cover
No War Injury Cover
No Obesity/Weight Cover

Happy Cash-Nischint Rahein (Other Benefits)

Spouse Cover
Inpatient Expenses Cover
Acute Condition Cover
Ambulance Cover
Dependent Child Covered

Happy Cash-Nischint Rahein (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - NA
Waiting Period - 30 Days

Oriental Aarogya Sanjeevani Policy

Covers hospitalization charges for the individual and family members. It is a standard plan that covers many illnesses and annual medical checkups.

Unique Features

All daycare expenses covered
Cover parents and parents in law
Lifelong renewal with no exit age

Aarogya Sanjeevani Policy(Pros)

Domiciliary Expenses Covered
5% Cumulative Bonus
Dental surgery Expenses
Ambulance Charge Cover
5.5% Non-TPA Discount

Aarogya Sanjeevani Policy(Cons)

No Dietary Supplements Cover
No War Injury Cover
No Biological Injury Cover
No Rheumatism Cover
No Obesity/Weight Cover

Aarogya Sanjeevani Policy(Other Benefits)

Spouse Cover
Dependent Child Cover
50% Medical Checkups Covered
Daycare Treatment Covered
ICU Cover

Aarogya Sanjeevani Policy(Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -65 Years
SI -5 L to 20L
Waiting Period - 30 Days

Oriental Jan Arogya Policy

It provides health insurance coverage to the financially constrained sections of society at very nominal premiums ranging between Rs. 50 to 70.

Unique Features

Avail benefit up to Rs 5k
Domiciliary Hospitalization
In-patient hospitalization covered

Oriental Jan Arogya Policy(Pros)

Room Expenses Covered
Artificial Limbs Covered
Dental surgery Expenses
Pre-existing condition Cover
Maternity Covered

Oriental Jan Arogya Policy(Cons)

No Suicide Cover
No Maternity Cover
No Dietary Supplement Cover
No War Injury Cover
No Obesity/Weight Cover

Oriental Jan Arogya Policy(Other Benefits)

Pre- Hospitalization
Post-Hospitalization
Ambulance Cover
Cost of Organ Covered
Naturopathy Cover

Oriental Jan Arogya Policy(Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -70 Years
SI -Rs 5000
Waiting Period - 30 Days

Oriental Pravasi Bharatiya Bima Yojana

The policy safeguards the Indian emigrant workers who intend to emigrate or have done so. The policy provides a Sum Insured of 10 lacs.

Unique Features

Cover against HIV/AIDS
Female Maturity benefit
Personal Accident Cover

Pravasi Bharatiya Bima Yojana(Pros)

Air Ambulance
Permanent Disability Cover
Dead Body Carriage Expenses
Legal Expenses Covered
Mental Illness Cover

Pravasi Bharatiya Bima Yojana(Cons)

No Suicide Cover
No Unproven Treatment Cover
No Biological Injury Cover
No War Injury Cover
No Obesity/Weight Cover

Pravasi Bharatiya Bima Yojana(Other Benefits)

Oral chemotherapy
Nursing Expenses
Robotic surgeries
Deep Brain stimulation
AYUSH Cover

Pravasi Bharatiya Bima Yojana(Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 60 Years
SI - 10 L
Waiting Period - 30 Days

Oriental Super Health Top-up

Oriental Super Top-up policy is an add-on policy that is designed to provide coverage to the insured and his family in case their base coverage is exhausted.

Unique Features

Advanced surgeries covered
No Pre-acceptance till 55 years
AYUSH treatment covered

Super Health Top-up (Pros)

Organ Donor Benefit
Day Care Treatment Cover
Room Boarding Expenses
Newborn Baby Cover
SAARC Countries Cover

Super Health Top-up (Cons)

No Suicide Cover
No Unproven Treatment Cover
No Biological Injury Cover
No War Injury Cover
No Obesity/Weight Cover

Super Health Top-up (Other Benefits)

Maternity Cover
Nursing Expenses
Pre- Hospitalization
Post -Hospitalization
ICU Charges Covered

Super Health Top-up (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3L to 5L
Waiting Period - 30 Days

Oriental Health of Privileged Elders

Designed to offer health insurance coverage to senior citizens aged 60 years and above and comes out with a compulsory co-payment of 20%.

Unique Features

Discount on Voluntary Co-payment
Loading for new entrants
Telemedicine expenses

Health of Privileged Elders(Pros)

Domiciliary Expenses Covered
Eye Surgery Cover
Dental surgery Expenses
Parental Chemotherapy Cover
Orthopedic Diseases Cover

Health of Privileged Elders(Cons)

No Arthritis Cover
No Upper Respiratory Cover
No Biological Injury Cover
NoRheumatism Cover
No Obesity/Weight Cover

Health of Privileged Elders(Other Benefits)

No Claim Bonus
Accidental Injury
Knee Replacement
Chronic Renal Failure
Cancer Charges Covered

Health of Privileged Elders(Eligibility Criteria)

Entry Age - 60 Years
Max Entry Age -NA
SI -1 L to 5L
Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (E & S)

Coverage for medical expenses of various ailments to the policyholders residing outside of India for study and employment.

Unique Features

Accidental cover
Mental health cover
Permanent Total Disablement

Overseas Mediclaim Policy (E & S)(Pros)

Spouse Cover
Ambulance Cover
Permanent total disablement
Air Ticket Covered
Serious Injury Covered

Overseas Mediclaim Policy (E & S)(Cons)

No Pre Existing Disease Cover
No Dental Cover
No Cosmetic Surgery Cover
No War Injury Cover
No Obesity/Weight Cover

Overseas Mediclaim Policy (E & S)(Other Benefits)

Repatriation of Remains
Medical Evacuation
Legal Coverage
Contingency Insurance
Medical Expenses Benefits

Overseas Mediclaim Policy (E & S)(Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -65 Years
SI - US $ 5,000
Waiting Period - 30 Days

Oriental Dengue Kavach Policy

Specially designed to offer coverage on detection of Dengue Fever without any sub-limit/ co-payment. The plan comes with a coverage of up to Rs. 20,000.

Unique Features

One premium irrespective of age
Family Discount up to 5%
Free-look period available

Oriental Dengue Kavach Policy(Pros)

Spouse Cover
Dependent Child Covered
5% Online Discount
Parent In-law Cover
No Medical Checkup

Oriental Dengue Kavach Policy(Cons)

No Suicide Cover
No Maternity Cover
No Dietary Supplement Cover
No War Injury Cover
No Obesity/Weight Cover

Oriental Dengue Kavach Policy(Other Benefits)

Pre- Hospitalization
Post-Hospitalization
Ambulance Cover
Divorced Daughter Cover
Easy Claim Processing

Oriental Dengue Kavach Policy(Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -70 Years
SI -Rs 10000- Rs 20000
Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (B & H)

A combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.

Unique Features

Hijack distress allowance
Financial Assistance Emergency
Flight Delay Allowance

Overseas Mediclaim Policy (B & H)(Pros)

Loss of Limb Cover
Loss of Eye Covered
Permanent total disablement
Room Rent Covered
Serious Injury Covered

Overseas Mediclaim Policy (B & H)(Cons)

No Suicide Cover
No Maternity Cover
No Dietary Supplement Cover
No War Injury Cover
No Obesity/Weight Cover

Overseas Mediclaim Policy (B & H)(Other Benefits)

Repatriation of Remains
Medical Evacuation
Annual Multi-Trip Insurance
Contingency Insurance
Medical Expenses Benefits

Overseas Mediclaim Policy (B & H)(Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -65 Years
SI -NA
Waiting Period - 30 Days

Oriental Critical Illness Policy

A plan that covers 22 critical illnesses including kidney and lung failure. The policy covers spouse, dependent child, parents-in-law and unmarried siblings.

Unique Features

Personalized Health Advice
Two plan options to choose from
Coverage of up to 50 Lakhs

Critical Illness Policy(Pros)

Open heart replacement Cover
Cancer Cover
Benign brain tumor Covered
Bone marrow transplant
Loss of speech Covered

Critical Illness Policy(Cons)

No Coronary Syndromes Cover
No Other stem-cell transplants
No Angioplasty Cover
No Angina Pectoris Cover
No Coma Cover

Critical Illness Policy(Other Benefits)

Permanent paralysis of limbs
10% Buying Online Discount
10% Family Discount
Third Degree Burn Covered
Loss of Limbs Cover

Critical Illness Policy(Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age -65 Years
SI - Upto 20 Lakh
Waiting Period - 90 Days

Oriental Corona Kavach

Available on both an individual and family floater basis, it protects the policyholder from the expenses incurred due to COVID-19 treatment.

Unique Features

Road Ambulance Charges covered
Pre & Post hospitalization
AYUSH Expenses covered

Oriental Mediclaim Insurance Policy (Group)

It is a group health insurance plan that covers hospitalization and maternity expenses. The plan also covers low-claim discounts.

Unique Features

Mental Illness Cover
HIV Cover
Newborn baby expenses

Mediclaim Insurance Policy (Group) (Pros)

Diabetes Cover
Daily Hospital Cash
AYUSH Cover
Hernia surgery Cover
Psychiatrist Cover

Mediclaim Insurance Policy (Group) (Cons)

No Suicide Cover
No Gender Change Cover
No War Injury Cover
No Drug Abuse Cover
No Obesity Cover

Mediclaim Insurance Policy (Group) (Other Benefits)

Pre- Hospitalization
Post- Hospitalization
Indemnity Cover
Inpatient Cover
Daycare procedures Covered

Mediclaim Insurance Policy (Group) (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - NA
Waiting Period - 30 Days

Oriental Insurance Bank Saathi Policy - Group

A group health insurance product for the Bancassurance partners of the company. Prosper can include family and the Sum Insured goes up to 25 lacs.

Unique Features

ICU covered
Assisted Reproduction Technique covered
Newborn baby covered

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Oriental Health Insurance for Maternity: FAQ's

1. What are the eligibility criteria for 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 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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Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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