Oriental Health Insurance for Family

Oriental Insurance values each of its customers, be it a kid or an adult. To provide supreme coverage to an entire family at once, the insurer has Happy Family Floater Policy to offer. An ideal family floater health insurance choice, Happy Family Floater Policy comes in form of three variants, namely Silver, Gold, and Diamond, which differ in their features and benefits. Helping families receive the best possible medical treatment at an affordable premium amount, the policy covers a series of expenses to help a family value its health without being concerned about medical expenses.

Key Features

• Term of the policy - 1 year
• Sum insured options - Rs. 2 Lakh to Rs. 20 Lakh
• Lifelong renewal of policy
• Cover for 11 critical illnesses on benefit basis
• Restoration of SI under 2 options - 50% & 100%
• Option of TPA (cashless facility in network hospitals) and non TPA services
• 5.5% discount in premium if TPA services not opted for (no discount on PA premium)
• Tax benefits under Section 80D of the Income Tax Act

Scope of Coverage

• Hospital admission - Minimum 24 hours
• 30 days pre & 60 days post-hospitalisation expenses
• Maternity expenses cover up to 2.5% of sum insured (Diamond Plan)
• Newborn baby cover up to 2.5% of sum insured (Diamond Plan)
• Donor expenses when insured individual is the recipient
• Organ donor benefit when insured individual is the donor
• Daily Hospital Cash Allowance benefit of 0.1% of sum insured per day
• Ambulance charges - Rs. 1,000 to Rs. 3,000 per illness, limited to Rs. 3,000 - Rs. 8,000 per policy period

Eligibility

While the minimum entry age for Happy Family Floater Policy is 91 days, the maximum entry age for the policy is 65 years. However, note that the maximum entry age can be extended to 70 years, subject to conditions.

Exclusions

• Pregnancy (except covered in Diamond Plan), infertility
• External congenital/genetic conditions
• Any hospital admission primarily for investigation/diagnostic purpose
• Sex change surgery or circumcision
• Cosmetic surgery & plastic surgery

Is Happy Family Floater Policy the perfect match according to your family floater health insurance needs? Call InsuranceDekho experts at 1800 1205 698 to know more in detail.