Oriental Happy Cash Health Insurance

The Happy Cash Plan keeps on infusing a specific amount of cash on a daily basis to assist you financially amid any medical emergency. Apart from holding some features, this policy delivers a handful of coverage benefits too, which attracts the policyholders to choose this plan and stay with it. Here are some of the attractive components of this policy:

• A grace period of 30 days is allowed
• The availability of 3 options of deductible
• Daily cash benefit is given up to Rs. 3,000
• Portability option is available under this plan
• 2 options of Daily Cash Benefit Period is available
• Coverage offered with lifelong renewability option
• Convalescence Benefit is provided under this policy
• The Daily Cash Benefit, the Daily Cash Benefit period and Deductible can be changed at the time of renewal

Besides, a diverse range of features and benefits, some additional elements are also present under this Happy Cash Plan, which enhance the value and attraction of this plan among the customers. Here are some of those:

• Free Look Period of 15 days is available under this plan
• Family, Loyalty, Staff and TPA discounts are available
• Tax exemption on the premium paid under Section 80D of the IT Act

The Happy Cash Plan is a plan, which has evolved as a great product to deliver the best possible financial assistance during hospitalisation. In addition to these, getting covered under this health insurance policy is also a cakewalk as it offers the coverage for everyone above the age of 3 months. 
 
Purchasing this plan for ensuring an easy hospitalisation should always be online as it holds lesser hurdles like paperwork, time consumption and so on. InsuranceDekho is considered the best online platform for buying health plans. Buying this plan through insurancedekho.com can get you faster claim settlement, regular on-call support, and many other benefits. 

Yes, different types of discounts are offered under this Happy Cash Plan which are as follows:
a. Family discount of 5% on the premium is offered if two members are covered and 7.5% is given if more than 2 members are covered.
b. Loyalty discount of 10% in premium is available for people who during the inception of this policy are covered under Oriental’s health insurance policy (retail or bank-tie-up).
c. Staff discount of 33% on the premium is available to the employees of Oriental Insurance Company Ltd.
d. TPA discount - 5.5% of discount is given if TPA services are not opted for.

Generally, different insured persons, under a policy, may opt for different Daily Cash Benefits such as Rs. 500, Rs. 1000, Rs. 2000, and Rs. 3000. For females, this Daily Cash Benefit automatically gets increased by 25% without any extra premium.

The Policy provides 3 options of deductible - no deductible, 1 day & 2 days deductible. The deductible is applicable per event.

Yes, this policy gives a free look period to its customers. The free look period is applicable at the inception of the fresh policy and the insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the insurance plan if not acceptable.