Oriental Health for Maternity
  • Second Medical Opinion
  • Maternity Cover
  • New Born Baby Cover
Oriental Health Insurance
premium

Network hospitals

3500+

premium

Claim settlement ratio

90.18%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

17

premium

Solvency Ratio

0.45

premium

Pan India Presence

1800+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3500+

premium

Claim settlement ratio

90.18%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

17

premium

Solvency Ratio

0.45

premium

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

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.

Health Insurance Companies

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.

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

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

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

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.

What Our Customers Have to Say

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Richa Agrrawal

Mumbai

May 1, 2023

my experience with PolicyX has been overwhelmingly positive. Their excellent service, a wide range of insurance options, user-friendly website, competitive pricing, and trustworthiness make the...

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Ritika

Kanpur

June 9, 2022

I purchased an insurance plan from oriental insurance and I am happy to be a part of this organization.

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Simran C

Delhi

October 19, 2021

happy with the claim settling speed....they responded within no time and were super efficient during the whole process

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Sukhi singh

Delhi

October 18, 2021

good service...in fact super quick repsponse time of the customer support team...they have knowledge and are effective

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Kamakshi

Bengaluru

October 8, 2021

i raised my claims and they covered most of my surgery expenses ...they truly want to help which is the greatest thing about them

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Himesh Nigam

Chandigarh

September 8, 2021

Man I was pleasantly surprised with the customer agent I spoke to at Oriental...so detailed and thoruough about every query I had...going to get a health plan super soon!

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Harma Bajwa

Mumbai

September 8, 2021

all the death benefits that were promised to us were delivered. my husband s deathn has not been easy but the quick support from Oriental was really helpful

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Karim Suleiman

Jaipur

September 8, 2021

I was very very doubtful about insurance in general becaus lots of frauds happening around. however, Oriental has been the most supportive throughout my father s death and gave us the benefits...

View All Oriental Health Insurance Reviews

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.