Oriental Youth Eco Care: what the policy wording covers
Youth Eco Care (UIN OICHLIP24034V012324) waits only 12 months for pre-existing diseases. The room is up to 1% of the sum insured a day up to ₹5 lakh cover, ₹10,000 a day at ₹7 to 10 lakh, and actuals above ₹10 lakh. Covers up to ₹10 lakh have several sub-limits, including cataract, AYUSH at 25% and modern treatments at 25% of the sum insured. It pays 45 days before and 90 days after a stay. Maternity is on the Premium plan only.
Limits by sum insured
| Item | Up to ₹5 lakh | ₹7 to 10 lakh | Above ₹10 lakh |
|---|
| Room | 1% of sum insured a day | ₹10,000 a day | Actuals |
|---|
| ICU | ₹10,000 a day | ₹20,000 a day | Actuals |
|---|
| Modern treatments | 25% of sum insured | 25% of sum insured | Actuals |
|---|
| Cataract (per eye) | ₹50,000 | ₹50,000 | ₹1 lakh |
|---|
Other things to know
- AYUSH: up to 25% of the sum insured.
- Treatment at home: up to 10% of the sum insured, max ₹50,000.
- Bonus: 10% a year, up to 100%, reduced at the same rate after a claim.
- No restoration benefit.
- Maternity on the Premium plan only, after 24 months, for up to 2 deliveries.
- Organ donor costs when you receive an organ, and up to 10% of the sum insured when you donate one.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 12 months. |
|---|
| Listed illnesses and surgeries | 1 or 2 years by condition. High blood pressure and diabetes, if new, 90 days. |
|---|
| Maternity (Premium plan) | 24 months. |
|---|
Frequently asked questions
What is the pre-existing disease waiting period in Oriental Youth Eco Care?
12 months of continuous cover.
Does Youth Eco Care have a room-rent limit?
Yes up to ₹10 lakh cover: 1% of the sum insured a day up to ₹5 lakh, and ₹10,000 a day at ₹7 to 10 lakh. Above ₹10 lakh it pays actuals.
Does Youth Eco Care cover maternity?
Only on the Premium plan, after 24 months.
Compare these plans clause by clause
Where this comes from
- Oriental Youth Eco Care Policy wording, UIN OICHLIP24034V012324. Clauses Room and ICU bands, sub-limits table, pre and post (45/90 days), cumulative bonus, maternity (Premium), 4.38, waiting periods.
Checked against the wording on 2026-10-09.
Terms on this page, explained
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