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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 planning to expand their family. The pregnancy and childbirth process involves physical, emotional, and financial stress, including regular doctor visits, medical tests, prenatal care, medicines, supplements, and birthing classes. Financial security is crucial as caring for a newborn continues post-delivery, requiring vaccinations, doctor visits, and potential treatments for congenital diseases. Oriental Health Insurance is a comprehensive insurance provider, offering unique health plans for individuals, families, and corporations.
Oriental Health Insurance maternity coverage is a unique health insurance plan that includes both maternity and newborn baby coverage. This plan offers multiple features and benefits, providing new parents with comprehensive support. It comes with a one-year policy period, lifelong renewability, and a high sum insured ranging from ₹12 Lac to ₹50 Lac at affordable premiums.
Oriental Health Insurance Maternity Cover: Eligibility Criteria
Entry Age
- Newborn: Day 1 to 90 Days
- Child: 91 Days to 25 Years
Entry Age Adult
- Minimum: 18 Years
- Maximum: 65 Years
Policy Term
- 1 Year
Plan Type
- Individual/Family Floater
Sum Insured (in Rs.)
- ₹12 L
- ₹15 L
- ₹18 L
- ₹20 L
- ₹25 L
- ₹30 L
- ₹40 L
- ₹50 L
Initial Waiting Period
- 30 Days*
Key Benefits of Oriental Health Insurance Maternity Cover
Opting for Oriental Health Insurance Maternity Cover offers several benefits, acting as a financial cushion for couples planning to start a family.
- Tax Benefits: Premiums paid for Oriental Health Insurance maternity cover are eligible for tax benefits under the Income Tax Act.
- Second Opinion: The plan offers a Medical Second Opinion for 11 specified major illnesses, up to ₹25,000 per policy period.
- Organ Donor: Covers organ donor expenses up to the sum insured, applicable whether the insured person is a recipient or a donor.
- Newborn Baby Cover: Provides coverage for newborn babies from day 1 up to 90 days, limited to 2.5% of the Sum Insured.
- Domiciliary Hospitalization: Covers domiciliary hospitalization expenses up to a maximum of ₹50,000 during the policy period.
Oriental Health Insurance Maternity Cover: Inclusions
The inclusions of Oriental Health Insurance Maternity Cover are listed below:
- Pre and post-hospitalization expenses
- Daycare Treatments
- Pregnancy cover
- Home Treatment
- Organ Donor
- Ambulance cover
- Newborn 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
The exclusions of Oriental Health Insurance Maternity Cover are listed below:
- Intentional self-injury, suicide, or attempted suicide
- Death due to intoxication
- Injuries/death due to adventure sports
- Death caused by venereal diseases
- Death or injury arising or resulting from the insured committing a breach of law with criminal intent
- Injury or death due to ionizing radiation or contamination by radioactivity from nuclear fuel, nuclear weapon material, or nuclear waste.
- Injury or death caused by, contributed to, aggravated, or prolonged by childbirth, pregnancy, or consequences 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.
