{"uin":"OICHLIP25042V042425","name":"ORIENTAL SUPER HEALTH TOP UP 2024","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425","insurer":{"slug":"oriental-insurance","name":"The Oriental Insurance Company Limited","url":"https://indiainsurances.com/insurer/oriental-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Oriental Super Health Top-Up! 2024 is an indemnity health top-up policy with Individual and Family Floater plans. It pays after aggregate admissible expenses in a policy period exceed the chosen deductible, with sum insured options up to 3000000 and a 30 day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:01:41.683236+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual","Family Floater"],"display":"Individual and Family Floater","note":null,"quote":"Policy has Two Plans - Individual and Family Floater","sources":[{"clause":"10(c)","heading":"Biological attack or weapons","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-6"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording defines the policy period by reference to the schedule but does not state the available policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Immediate notice should be given to the Company / TPA while taking treatment. It should be given within 48 hours of admission but before discharge; for non-network hospitals, contact the TPA within 7 days from admission.","display":"Within 48 hours of admission but before discharge; for non-network hospitals, within 7 days from admission","note":"Delay may be condoned in hardship cases if the Company / TPA is satisfied that notice within the time limit was not possible.","quote":"Immediate notice of claim with particulars relating to Policy Number, ID Card No., Name of Insured Person in respect of whom claim is made, Nature of disease / injury and Name and Address of the attending Medical Practitioner / Hospital/Nursing Home etc. should be given to the Company / TPA while taking treatment in the Hospital / Nursing Home, by fax, e-mail, etc. Such notice should be given within 48 hours of admission but before discharge from Hospital / Nursing Home, in case of both planned and emergency hospitalization. ... The Insured Person can take treatment in non-network hospitals. In such a case, he should contact the TPA within 7 days from the date of admission with details of ID card number, nature of illness, name and address of the hospital/Nursing home.","sources":[{"clause":"13(IV)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Original bills, all receipts and discharge certificate / card from the hospital.","All documents pertaining to the illness, starting from the date it was first detected, i.e Doctor’s consultations reports / history","Medical history of the patient recorded by the Hospital.","Original Cash-memo from the hospital (s) / chemist (s) supported by proper prescription.","Original receipt, pathological and other test reports from a pathologist / radiologist including film etc supported by a note from attending medical practitioner / surgeon demanding such tests.","Original attending Consultants / Anaesthetists / Specialist certificates regarding diagnosis and bills / receipts etc.","Surgeon’s original certificate stating diagnosis and nature of operation performed along with bills / receipts etc.","MLC/FIR/Post Mortem Report,( if applicable)","Document in respect of Organ donation by the insured person","Original Bills with supporting documents to the TPA for reimbursement of expenses incurred during pre and post hospitalisation.","Any other information required by Company / TPA."],"display":"Original bills, discharge card, illness records, hospital medical history, prescriptions and cash memos, test reports, consultant/surgeon certificates, MLC/FIR/Post Mortem Report if applicable, organ donation document if applicable, pre/post hospitalisation bills, and any other information required","note":null,"quote":"Final claim along with original Bills/Cash memos/reports, claim form and documents as listed below should be submitted to the Company / TPA within 15 days of discharge from the Hospital / Nursing Home ... Original bills, all receipts and discharge certificate / card from the hospital. ... All documents pertaining to the illness, starting from the date it was first detected, i.e Doctor’s consultations reports / history ... Medical history of the patient recorded by the Hospital. ... Original Cash-memo from the hospital (s) / chemist (s) supported by proper prescription. ... Original receipt, pathological and other test reports from a pathologist / radiologist including film etc supported by a note from attending medical practitioner / surgeon demanding such tests. ... Original attending Consultants / Anaesthetists / Specialist certificates regarding diagnosis and bills / receipts etc. ... Surgeon’s original certificate stating diagnosis and nature of operation performed along with bills / receipts etc. ... MLC/FIR/Post Mortem Report,( if applicable) ... Document in respect of Organ donation by the insured person: a certificate from the concerned hospital that the organ donation is in accordance with the extant Act, Central / State Rules / regulations, as applicable, in respect of transplantation of human organs. However, no proof of expenses incurred is required. ... Original Bills with supporting documents to the TPA for reimbursement of expenses incurred during pre and post hospitalisation. ... Any other information required by Company / TPA.","sources":[{"clause":"13(IV)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv"},{"clause":"13(IV)(a)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-a"},{"clause":"13(IV)(b)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-b"},{"clause":"13(IV)(c)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-c"},{"clause":"13(IV)(d)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-d"},{"clause":"13(IV)(e)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-e"},{"clause":"13(IV)(f)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-f"},{"clause":"13(IV)(g)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-g"},{"clause":"13(IV)(h)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-h"},{"clause":"13(IV)(i)","heading":"Document in respect of Organ donation by the insured person","page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-i"},{"clause":"13(IV)(j)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-j"},{"clause":"13(IV)(k)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-k"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is needed, it must be completed within 30 days from receipt of the last necessary document, and the claim settled or rejected within 45 days from receipt of the last necessary document.","display":"15 days from receipt of last necessary document; 45 days if investigation is warranted","note":"Policy wording quoted above uses receipt of last necessary document. Prospectus says: 'The Company shall settle or reject a claim, as the case may be, within within 15 days from the date of submission of claim.'","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... However, where the circumstance of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"13(IV)(k)(iv)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-k-iv"},{"clause":"23","heading":"CLAIM SETTLEMENT (provision for Penal Interest)","page":22,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13755#c-23"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-existing Diseases - code –ExcI 01","Specified disease / procedure waiting period- code- ExcI 02","30 day waiting period- code – ExcI 03","Investigation & Evaluation – Code – ExcI 04","Rest Cure, rehabilitation and respite care – Code –ExcI 05","Obesity/Weight Control : Code- EscI 06","Change of Gender Treatments : Code – ExcI 07","Cosmetic or Plastic Surgery- Code- ExcI 08","Hazardous or Adventure sports- Code- ExcI 09","Breach of law – Code –ExcI 010","Treatment for, Alcolholic drug or substance abuse or any addictive condition and consequences thereof. – Code- ExcI01","War (whether declared or not) and war like occurrence or invasion","Any expenses incurred on OPD treatment.","Treatment taken outside the geographical limits of India."],"display":"PED, specified disease/procedure and 30 day waiting-period exclusions, plus investigation/evaluation, rest cure, obesity surgery outside criteria, gender change, cosmetic surgery, professional hazardous sports, criminal breach of law, alcohol/drug abuse, war, OPD and treatment outside India","note":"The policy also has sub-limits and many additional exclusions in the exclusions clause and annexure lists.","quote":"Pre-existing Diseases - code –ExcI 01 ... Specified disease / procedure waiting period- code- ExcI 02 ... 4.3 30 day waiting period- code – ExcI 03 ... 4.4 Investigation & Evaluation – Code – ExcI 04 ... 4.5 Rest Cure, rehabilitation and respite care – Code –ExcI 05 ... 4.6 Obesity/Weight Control : Code- EscI 06 ... 4.7 Change of Gender Treatments : Code – ExcI 07 ... 4.8 Cosmetic or Plastic Surgery- Code- ExcI 08 ... 4.9 Hazardous or Adventure sports- Code- ExcI 09 ... 4.10 Breach of law – Code –ExcI 010 ... 4.12 Treatment for, Alcolholic drug or substance abuse or any addictive condition and consequences thereof. – Code- ExcI01 ... 4.18 War (whether declared or not) and war like occurrence or invasion ... 4.33 Any expenses incurred on OPD treatment. 4.34 Treatment taken outside the geographical limits of India.","sources":[{"clause":"10(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-b-7"},{"clause":"10(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-d-4"},{"clause":"10(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-f"},{"clause":"10(a)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-a-ii"},{"clause":"10(b)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-b-i"},{"clause":"10(c)","heading":"Biological attack or weapons","page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-5"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free numbers, e-mail or the grievance cell at any branch. If not satisfied, contact the grievance officer at the Customer Service Department, Corporate Office, Block - 4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi - 110023.","display":"Company website / toll-free / e-mail / branch grievance cell first; then Customer Service Department grievance officer","note":null,"quote":"In case of any grievance the insured person may contact the company through\nWebsite: www.orientalinsurance.org.in Toll free: 1800118485 Or 011- 33208485 E-mail: csd@orientalinsurance.co.in Insured person may also approach the grievance cell at any of the company’s branches with the d details of grievance. If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at:\nCustomer Service Department Corporate Office, Block - 4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi - 110023.","sources":[{"clause":"13(IV)(k)(iv)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-k-iv"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Sum Insured options are 300000, 500000, 600000, 700000, 800000, 1000000, 1200000, 1500000, 2000000 and 3000000, depending on the deductible combination chosen.","display":"300000, 500000, 600000, 700000, 800000, 1000000, 1200000, 1500000, 2000000 or 3000000","note":null,"quote":"Policy has Two Plans - Individual and Family Floater with following Sums Insured and corresponding Deductibles. ... Sl.No. | Deductible (INR) | Sum Insured (INR)\n1 | 300000 | 300000\n2 | 300000 | 500000\n3 | 500000 | 500000\n4 | 500000 | 700000\n5 | 600000 | 600000\n6 | 600000 | 800000\n7 | 800000 | 800000\n8 | 800000 | 1000000\n9 | 1000000 | 1000000\n10 | 1000000 | 1500000\n11 | 1500000 | 1000000\n12 | 1500000 | 1500000\n13 | 1800000 | 1000000\n14 | 1800000 | 1200000\n15 | 2000000 | 1000000\n16 | 2000000 | 2000000\n17 | 2000000 | 3000000","sources":[{"clause":"10(c)","heading":"Biological attack or weapons","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-6"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims if otherwise covered; it does not apply after continuous coverage for more than twelve months and applies afresh to enhanced sum insured.","quote":"4.3 30 day waiting period- code – ExcI 03\na). Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"10(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-f"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"For enhanced sum insured the exclusion applies afresh to the increase; continuous prior coverage under portability norms reduces the waiting period.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with the insurer or its reinstatement. ... Coverage under the policy after the expiry of 36 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by insurer or its reinstatement.","sources":[{"clause":"10(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-b-7"},{"clause":"10(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-d-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 Days","note":"Other listed conditions carry 12 months, 24 months or 36 months. If a listed disease/procedure also falls under the PED waiting period, the longer waiting period applies.","quote":"xvii | Hypertension. | 90 Days*\nxviii | Diabetes. | 90 Days*\n*Subject to application of clause 40 of policy conditions. ... Ailment / Disease / Surgery | Waiting Period\ni | Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty etc. | 12 months ... xxii | Joint Replacement due to Degenerative condition. | 36 months\nxxiii | Age related osteoarthritis and Osteoporosis. | 36 months","sources":[{"clause":"10(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty etc.","Polycystic ovarian diseases .","Surgery of hernia.","Surgery of hydrocele.","Non infective Arthritis.","Undescendent Testes.","Cataract.","Surgery of benign prostatic hypertrophy.","Hysterectomy for menorrhagia or fibromyoma or myomectomy or prolapse","Fissure / Fistula in anus.","Piles.","Sinusitis and related disorders.","Surgery of gallbladder and bile duct excluding malignancy.","Surgery of genito urinary system excluding malignancy.","Pilonidal Sinus.","Gout and Rheumatism.","Hypertension.","Diabetes.","Calculus diseases.","Surgery for prolapsed inter vertebral disk unless arising from accident.","Surgery of varicose veins and varicose ulcers.","Joint Replacement due to Degenerative condition.","Age related osteoarthritis and Osteoporosis."],"display":"Benign ENT disorders/surgeries, PCOD, hernia, hydrocele, non infective arthritis, undescendent testes, cataract, BPH surgery, specified hysterectomy/myomectomy/prolapse, fissure/fistula, piles, sinusitis, gallbladder/bile duct surgery, genito urinary surgery, pilonidal sinus, gout/rheumatism, hypertension, diabetes, calculus diseases, prolapsed inter vertebral disk surgery, varicose veins/ulcers surgery, degenerative joint replacement, age related osteoarthritis and osteoporosis","note":null,"quote":"Ailment / Disease / Surgery | Waiting Period\ni | Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty etc. | 12 months\nii | Polycystic ovarian diseases . | 12 months\niii | Surgery of hernia. | 24 months\niv | Surgery of hydrocele. | 24 months\nv | Non infective Arthritis. | 24 months\nvi | Undescendent Testes. | 24 months\nvii | Cataract. | 24 months\nviii | Surgery of benign prostatic hypertrophy. | 24 months\nix | Hysterectomy for menorrhagia or fibromyoma or myomectomy or prolapse | 24 months\nx | Fissure / Fistula in anus. | 24 months\nxi | Piles. | 24 months\nxii | Sinusitis and related disorders. | 24 months\nxiii | Surgery of gallbladder and bile duct excluding malignancy. | 24 months\nxiv | Surgery of genito urinary system excluding malignancy. | 24 months\nxv | Pilonidal Sinus. | 24 months\nxvi | Gout and Rheumatism. | 24 months\nxvii | Hypertension. | 90 Days*\nxviii | Diabetes. | 90 Days*\n*Subject to application of clause 40 of policy conditions.\nxix | Calculus diseases. | 24 months\nxx | Surgery for prolapsed inter vertebral disk unless arising from accident. | 24 months\nxxi | Surgery of varicose veins and varicose ulcers. | 24 months\nxxii | Joint Replacement due to Degenerative condition. | 36 months\nxxiii | Age related osteoarthritis and Osteoporosis. | 36 months","sources":[{"clause":"10(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five continuous years","note":"For enhanced sums insured, five continuous years applies from the date of enhancement only on the enhanced limits.","quote":"MORATORIUM PERIOD After completion of five continuous years under this policy no look back to be applied. This period of fiveyears is called as moratorium period. ... After the expiry of Moratorium Period no health insurance claim shall be contestable except for proven fraud and permanent exclusions specified in the policy contract.","sources":[{"clause":"13(IV)(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-b-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured can port the entire policy with family members to other insurers by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian General/Health insurer policy, accrued waiting-period continuity benefits are given as per IRDAI portability guidelines.","display":"Can port to other insurers with accrued waiting-period continuity benefits","note":null,"quote":"Portability The Insured Person will have the option to port the Policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, atleast 30 days before, but not earlier than 60 days from the policy rnewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any healt insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"13(IV)(k)(iv)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-k-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The policy says it is ordinarily renewable except on grounds of fraud, misrepresentation or non-disclosure, but it does not state lifelong renewal or no maximum renewal age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewal based on individual claims experience.","display":"No loading on renewal based on individual claims experience","note":null,"quote":"No loading shall apply on renewal based on individual claims experience.","sources":[{"clause":"13(IV)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation – Code – ExcI 04","Rest Cure, rehabilitation and respite care – Code –ExcI 05","Obesity/Weight Control : Code- EscI 06","Change of Gender Treatments : Code – ExcI 07","Cosmetic or Plastic Surgery- Code- ExcI 08","Hazardous or Adventure sports- Code- ExcI 09","Breach of law – Code –ExcI 010","Excluded Providers- Code – ExcI 011","Treatment for, Alcolholic drug or substance abuse or any addictive condition and consequences thereof. – Code- ExcI01","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error- Code- ExcI 015","Unproven Treatments- Code – excI 016","Sterility and Infertility- Code- ExcI 017","War (whether declared or not) and war like occurrence or invasion","Nuclear, chemical or biological attack or weapons","Sarcoidosis","Malignant Neoplasms","Epilepsy","Heart Ailment Congen","Cerebrovascular (Stroke)","Inflammatory Diseases","Chronic Liver diseases","Pancreatic diseases","Chronic Kidney diseas","Hepatitis B","Alzheimer's Parkinson's Disease -","Demyelinating disease","HIV & AIDS","Loss of Hearing","Papulosquamous disor skin","Avascular (osteonecrosis)"],"display":"Standard permanent exclusions include ExcI 04 to ExcI 017 items, war and nuclear/chemical/biological attack; listed pre-existing conditions such as sarcoidosis, malignant neoplasms, epilepsy and others may be permanently excluded if present or past at proposal","note":"The disease list applies if the proposer/insured is suffering at the time of taking the policy or has suffered in the past.","quote":"4.4 Investigation & Evaluation – Code – ExcI 04 ... 4.5 Rest Cure, rehabilitation and respite care – Code –ExcI 05 ... 4.6 Obesity/Weight Control : Code- EscI 06 ... 4.7 Change of Gender Treatments : Code – ExcI 07 Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite. 4.8 Cosmetic or Plastic Surgery- Code- ExcI 08 ... 4.9 Hazardous or Adventure sports- Code- ExcI 09 ... 4.10 Breach of law – Code –ExcI 010 ... 4.11 Excluded Providers- Code – ExcI 011 ... 4.12 Treatment for, Alcolholic drug or substance abuse or any addictive condition and consequences thereof. – Code- ExcI01\n4.13 Treatments received in health hydros, nature cure clinics, spas or similar establishments ... 4.14 Dietary supplements and substances that can be purchased without prescription ... 4.15 Refractive Error- Code- ExcI 015 ... 4.16 Unproven Treatments- Code – excI 016 ... 4.17 Sterility and Infertility- Code- ExcI 017 ... 4.18 War (whether declared or not) and war like occurrence or invasion ... 4.19 Nuclear, chemical or biological attack or weapons ... If the proposer/insured is suffering at the time of taking the policy or has suffered in the past, any of the diseases, enumerated as per serial no. 1 to 16 in the table given below, the same will be permanently excluded from the policy coverage: ... 1 | Sarcoidosis | D86.0-D86.9 ... 2 | Malignant Neoplasms | C00-C14 Malignant neoplasms of lip, oral cavity and pharynx ... 3 | Epilepsy | G40 Epilepsy ... Heart Ailment Congen ... 5 | Cerebrovascular (Stroke) ... 6 | Inflammatory Diseases ... 7 | Chronic Liver diseases ... 8 | Pancreatic diseases ... 9 | Chronic Kidney diseas ... 10 | Hepatitis B ... 11 | Alzheimer's Parkinson's Disease - ... 12 | Demyelinating disease ... 13 | HIV & AIDS ... 14 | Loss of Hearing ... 15. | Papulosquamous disor skin ... 16. | Avascular (osteonecrosis)","sources":[{"clause":"10(f)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-f"},{"clause":"10(a)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-a-ii"},{"clause":"10(b)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-b-i"},{"clause":"10(c)","heading":"Biological attack or weapons","page":16,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-5"},{"clause":"Row 1","heading":"Sarcoidosis","page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-row-1"},{"clause":"Row 2","heading":"Malignant Neoplasms","page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-row-2"},{"clause":"Row 3","heading":"Epilepsy","page":17,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-row-3"},{"clause":"10(c)","heading":"Biological attack or weapons","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-6"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel any time during the term by giving 7 days’ written notice. For annual policies, refund is proportionate premium for the unexpired policy period, subject to no claim; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days’ notice; proportionate refund for unexpired period if no claim","note":"For policies with term more than 1 year, refund premium for unexpired policy period is stated where risk coverage for such policy years has not commenced.","quote":"Cancellation by insured - Any time during the term, by giving 7 days’ notice in writing. Refund by Insurer : ... proportionate premium for unexpired policy period, in case of Annual policies, subject to no claim (s)having been made during the policy period. ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"13(IV)(k)(iv)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-k-iv"},{"clause":"13(IV)(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-a-2"},{"clause":"13(IV)(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Treatment is covered in India or SAARC countries. Cashless service is not available outside India, and SAARC claims are considered only on reimbursement basis on return to India.","display":"India or SAARC countries; cashless not available outside India","note":"The exclusions clause also says 'Treatment taken outside the geographical limits of India.'","quote":"as an inpatient in India (or in SAARC countries) ... COVERAGE TO SAARC COUNTRIES: The policy automatically covers Insured Persons visiting other SAARC (South Asian Association for Regional Co-operation) countries viz- Afghanistan, Bangladesh, Bhutan, Maldives, Nepal, Pakistan, Sri Lanka. However Cashless service will not be available for treatment taken in countries outside India and such claims shall be considered only on re-imbursement basis on the return of the insured person to India.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-1"},{"clause":"6","heading":"COVERAGE TO SAARC COUNTRIES","page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-6"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies to new individual health insurance policies, not renewals or porting/migration.","quote":"The insured shall be allowed free look period of thirty days from the date of receipt of the policy document to review the terms and conditions of the policy and to return the same if not acceptable.","sources":[{"clause":"10(c)","heading":"Biological attack or weapons","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The wording also says no coverage during the grace period, but coverage shall be offered during the grace period if premium is paid in instalments during the policy period.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace period of 30 day to maintain continuity of benefits without break in policy. Coverage is not available during the grace period. ... GRACE PERIOD: In the event of delay in renewal of the policy, a grace period of 30 days is allowed.","sources":[{"clause":"13(III)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iii"},{"clause":"13(IV)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Dependent children can be covered between 91days and 18 years, with specified extensions for some children. Maximum entry age is 65years, but persons above 65 years and upto 70 years can also be covered with a 10% loading.","display":"Dependent children: 91days to 18 years; maximum entry age 65years, extendable upto 70 years with 10% loading","note":"There is no upper age limit for dependent children who are physically or mentally challenged.","quote":"Dependent Children- natural or legally adopted, between the ages of 91days to 18 years. However male child can be covered upto the age of 25 years if he is a bonafide regular student and financially dependent. Female child can be covered until she gets married. Divorced and widowed daughters are also eligible for coverage under the policy, irrespective of age. ... Maximum entry age under the policy is 65years for all members. Persons above the age of 65 years and upto 70 years can also be covered. However, in such cases, a 10% loading will be charged on premium applicable to the age of such proposed insured.","sources":[{"clause":"10(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-2"},{"clause":"10(c)","heading":"Biological attack or weapons","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-6"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The policy says premium shall be paid in advance and mentions instalments in the grace-period clause, but it does not list allowed premium payment modes.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Deletion of Room Rent Limit"],"display":"Deletion of Room Rent Limit by paying additional premium","note":"Additional premium is 20% of applicable premium for deductible upto 5,00,000, 10% for 6,00,000- 10,00,000, and 5% for 15,00,000 and above.","quote":"Option is also available to remove the Room rent limits by paying an additional premium: ... DELETION OF ROOM RENT LIMIT: Room Rent limits are linked to the Deductible under the policy. However, on payment of an additional premium these limits can be removed.","sources":[{"clause":"10(c)","heading":"Biological attack or weapons","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-6"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period. However, insurers shall offer coverage during the grace period if premium is paid in instalments during the policy period.","display":"No coverage during grace period; coverage offered if premium is paid in instalments during the policy period","note":null,"quote":"GRACE PERIOD: In the event of delay in renewal of the policy, a grace period of 30 days is allowed. However, no coverage shall be available during the grace period. Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period","sources":[{"clause":"13(IV)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"Deductible options are 300000, 500000, 600000, 800000, 1000000, 1500000, 1800000 and 2000000, paired with specified sum insured options. The policy pays only in excess of the deductible.","display":"300000, 500000, 600000, 800000, 1000000, 1500000, 1800000 or 2000000","note":null,"quote":"the liability of the Company, in respect of one or all the Insured Persons stated in the schedule, shall be in excess of the Deductible and upto the Sum Insured specified in the policy and/or schedule of the policy, for all claims arising during the policy period mentioned in the schedule. ... Sl.No. | Deductible (INR) | Sum Insured (INR)\n1 | 300000 | 300000\n2 | 300000 | 500000\n3 | 500000 | 500000\n4 | 500000 | 700000\n5 | 600000 | 600000\n6 | 600000 | 800000\n7 | 800000 | 800000\n8 | 800000 | 1000000\n9 | 1000000 | 1000000\n10 | 1000000 | 1500000\n11 | 1500000 | 1000000\n12 | 1500000 | 1500000\n13 | 1800000 | 1000000\n14 | 1800000 | 1200000\n15 | 2000000 | 1000000\n16 | 2000000 | 2000000\n17 | 2000000 | 3000000","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-1"},{"clause":"10(c)","heading":"Biological attack or weapons","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-6"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"aggregate","display":"Aggregate of actual admissible expenses in a policy period","note":null,"quote":"This policy would trigger when the aggregate of actual admissible expenses incurred in respect of any one or more claims (either for an Individual in case of an Individual plan, or for one or more than one insured person, in case of a Family Floater plan) in a policy period, exceeds the Deductible under the Policy.","sources":[{"clause":"10","heading":null,"page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Room, boarding and nursing expenses are limited to 1 % of the Deductible Amount per day, and ICU expenses to 2 % of the Deductible Amount per day. These limits do not apply if the insured pays additional premium to remove room rent limits.","display":"Room/boarding/nursing: 1 % of Deductible per day; ICU: 2 % of Deductible per day","note":"Associated expenses are subject to proportionate deduction if the room availed has higher rent than the policy room rent limit.","quote":"Room, Boarding and Nursing Expenses as provided by the Hospital /Nursing Home. | 1 % of the Deductible Amount (mentioned in the Policy Schedule) per day. *\nIntensive Care Unit (ICU) Expenses as provided by the Hospital /Nursing Home. | 2 % of the Deductible Amount (mentioned in the Policy Schedule) per day.* ... *Deletion of Room Rent Limit: These limits are not applicable if the insured has paid the requisite additional premium for removal of Room Rent limits.","sources":[{"clause":"1.2(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-1-2-b"},{"clause":"1.2(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-1-2-b-2"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"not-stated","value":null,"display":null,"note":"The policy mentions deductibles and proportionate room-rent deductions, but does not state a co-payment percentage/share for each admissible claim.","quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless service is available through the Company / TPA when admission is in a network Hospital / Nursing Home and is subject to pre-admission authorization. Cashless is not available for treatment outside India.","display":"Available in network Hospital / Nursing Home with pre admission authorization; not outside India","note":"The Company / TPA issues a pre-authorisation letter within 48 hours of receipt of the request if eligibility and details are satisfactory.","quote":"Claim in respect of Cashless Services will be through the Company / TPA provided admission is in a network Hospital / Nursing Home and is subject to pre admission authorization. ... List of network Hospitals is available on our official website-www.orientalinsurance.org.in and will also be provided to the insured by the concerned TPA. ... However Cashless service will not be available for treatment taken in countries outside India","sources":[{"clause":"13(IV)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv"},{"clause":"6","heading":"COVERAGE TO SAARC COUNTRIES","page":4,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-6"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"The insurance shall be serviced by a Third Party Administrator (TPA); cashless and claims procedures refer to the Company / TPA.","display":"Third Party Administrator (TPA)","note":null,"quote":"The insurance shall be serviced by Third Party Administrator (hereinafter called the TPA). ... Claim in respect of Cashless Services will be through the Company / TPA","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-1"},{"clause":"13(IV)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-13-iv"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Family Floater plan","note":"Minimum two persons must be covered under the Family Floater plan.","quote":"Policy has Two Plans - Individual and Family Floater","sources":[{"clause":"10(c)","heading":"Biological attack or weapons","page":18,"url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772#c-10-c-6"}],"law":[]}],"documents":[{"kind":"wording","label":"POLICY_WORDINGS_4c0bab6e29.pdf","pages":45,"fetched_at":"2026-10-17 19:53:23+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/POLICY_WORDINGS_4c0bab6e29_ffd37c339e.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13772"},{"kind":"prospectus","label":"STU_PROSPECTUS_3_ade753a8f2.pdf","pages":27,"fetched_at":"2026-10-17 19:52:42+00","source_url":"https://oicl-cms-media.s3.ap-south-1.amazonaws.com/STU_PROSPECTUS_3_ade753a8f2_ae8821298d.pdf","url":"https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425/document/13755"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Oriental Insurance official website","url":"https://www.orientalinsurance.org.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim forms","url":"https://www.orientalinsurance.org.in/claim-form","note":null},{"purpose":"claim","kind":"insurer","name":"Health claim status","url":"https://www.orientalinsurance.org.in/health-claim-status","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.orientalinsurance.org.in/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"ORIENTAL SUPER HEALTH TOP UP 2024 (UIN OICHLIP25042V042425), IndiaInsurances, https://indiainsurances.com/policy/oriental-insurance/oriental-super-health-top-up-2024-oichlip25042v042425"}