Oriental Health Insurance for Kids

The health of kids is as important as the health of adults. Oriental Insurance, being the responsible insurer, offers the best health insurance for kids in the form of Happy Family Floater Policy. Available in Silver, Gold, and Diamond variants, the policy provides comprehensive coverage of medical expenses during a medical emergency. Covering newborn baby as well as multiple other expenses, the policy comes across as an ideal health insurance for kids and a boon for parents worried about the formers’ health.

Key Features

• 1 year policy term
• Lifelong renewability allowed
• Sum insured options ranging between Rs. 2 Lakh to Rs. 20 Lakh
• Coverage for 11 critical illnesses on benefit basis
• Medical second opinion for 11 specified major illnesses - Maximum Rs. 15,000 in a policy period
• Tax benefits under Section 80D of the Income Tax Act
• Optional covers - Restoration of SI, Personal Accident, Life Hardship Survival Benefit
• Discount of 5.5% in premium, if TPA services are not opted for (no discount on PA premium)

Scope of Coverage

• Hospital admission - Minimum 24 hours
• Pre & post hospitalisation expenses - 30 days & 60 days respectively
• Newborn baby expenses - Up to 2.5% of sum insured (Diamond variant)
• Specified/listed procedures requiring less than 24 hours hospitalisation (daycare)
• Daily Hospital Cash Allowance benefit - 0.1% of sum insured per day
• Restoration of sum insured under 2 options - 50% & 100%
• Ayurvedic, Siddha, Unani and Homeopathic treatment
• Donor expenses & organ donor benefit

Eligibility

Happy Family Floater Policy covers dependent children (natural or legally adopted) from minimum entry age of 91 days to maximum entry age of 18 years. The policy allows coverage for male child up to 25 years if he is a bonafide regular student and financially dependent. Female child can be covered until she gets married.

Exclusions

• Intentional self-Injury, suicide or attempted suicide
• Injury or death under the influence of intoxicating liquor or drugs
• Injury/death directly or indirectly caused by venereal disease(s) or insanity
• Injury/death arising/resulting from insured individual committing breach of law with criminal intent
• War, invasion, act of foreign enemy, hostilities and other related injuries or death

Want to invest in Happy Family Floater Policy to secure health of your kids? Call InsuranceDekho experts at 1800 1205 698 to uncover more about Happy Family Floater Policy.