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Oriental Universal Health Scheme

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Oriental Insurance - Universal Health Insurance Scheme


Oriental Universal Health Insurance policy has a very low premium and the maximum sum insured is Rs 30,000 only. It covers hospitalisation expenses incurred by an individual or up to a maximum of 7 members in a family. This health scheme is most suited for the economically weaker sections of the society as it has low premium starting at Rs 300 for an individual and between Rs 450 to Rs 600 for a family cover. 



Key Features of Oriental Insurance - Universal Health Insurance Scheme


  • It compensates for accidental death and disability of sole earning member
  • Provides reimbursement of Hospitalisation expenses for illness / diseases suffered or injury sustained
  • Total expenses incurred for any one illness is limited to Rs.15000/-
  • Includes one Maternity Benefit with liability being restricted to Rs.2,500/- for normal delivery and Rs.5,000/- for caesarean delivery



Type of plans available in Oriental Insurance - Universal Health Insurance Scheme


The plan is available in both types -

  • Individual
  • Group



What is covered in Oriental Insurance - Universal Health Insurance Scheme?


  • Hospital or Nursing home room rent and boarding expenses
  • Cost of anesthetist, surgeon, doctor, consultant, etc
  • Nursing expenses
  • Maternity benefits for one child (waiting period of 12 months)
  • Expenses incurred on anesthesia, oxygen, blood, medicines and drugs
  • Diagnostic tests like X-ray etc, Chemotherapy, Radiotherapy and similar expenses
  • Cost of pacemaker, organs, prosthetics like artificial limbs etc 
  • Death of  insured person (who is the sole earning member of the family) due to accident within 6 months
  • Disability compensation for earning member





Additional Benefits of Oriental Insurance - Universal Health Insurance Scheme


  • Children between 3 months and 5 yrs can be covered if the parent is covered



Eligibility and Restrictions of Oriental Insurance - Universal Health Insurance Scheme






Coverage Amount (in Rs.)



Entry Age (in years)



Renewable till Age (in years)




BPL Family - A certificate as proof thereof issued by an official not below the rank of B.D.O. / Tehsildar of Revenue Department of the concerned State Government has to be attached.



Exclusions - What is not covered in Oriental Insurance - Universal Health Insurance Scheme?


  • Cost of spectacles, hearing aids, contact lenses
  • Dental treatments or surgery unless requiring hospitalisation
  • Expenses vitamins and tonics unless part of treatment 
  • HIV or AIDS related conditions
  • Any condition caused due to an act of war, invasion or nuclear materials
  • Naturopathy treatments
  • Intentional self-injury, general weakness, convalescence, rest cure
  • Death or disablement while engaging in aviation or ballooning, or under influence of alcohol or drugs
  • Any breach of law or criminal activity


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