Oriental Health Insurance for Maternity

When it comes to maternity insurance, Oriental Insurance has Happy Family Floater Policy to offer. Covering maternity expenses as well as newborn baby expenses under its Diamond variant, Happy Family Floater Policy is a superior choice for all expecting mothers. Helping women handle their financial status at the most crucial time of their life, the policy ensures proper medical support without any compromise in the treatment quality. Undoubtedly, Happy Family Floater Policy is a superior maternity insurance choice.

Key Features

• 1 year policy period
• Lifelong renewability
• Rs. 12 Lakh to Rs. 20 Lakh sum insured range
• Coverage for 11 critical illnesses (on benefit basis)
• Discount of 5.5% in premium if TPA services are not chosen (no discount on PA premium)
• Tax benefits under Section 80D of the Income Tax Act
• Optional covers - Personal Accident, Life Hardship Survival Benefit

Scope of Coverage

• Maternity expenses coverage up to 2.5% of sum insured (Diamond Plan)
• Newborn baby coverage up to 2.5% of sum insured (Diamond Plan)
• Hospital admission of minimum 24 hours
• 30 days pre & 60 days post hospitalisation expenses
• Daily Hospital Cash Allowance benefit - 0.1% of sum insured on per day basis
• Ambulance charges - Rs. 1,000 to Rs. 3,000 per illness, limited to Rs. 3,000 - Rs. 8,000 per policy period
• Attendant Allowance - Rs. 500 & Rs. 1000 per day of hospitalisation, in Gold & Diamond Plan respectively, maximum of 10 days per illness
• Ayurvedic, Unani, Siddha, and Homeopathic treatment covered

Eligibility

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

Exclusions

• Refractive error correction, hearing aids
• External congenital/genetic conditions
• STDs and HIV/AIDS
• Substance abuse, self-inflicted injuries
• Any hospital admission primarily for investigation/diagnostic purpose

Is Happy Family Floater Policy the maternity insurance plan you had been looking for? Get in touch with InsuranceDekho experts at 1800 1205 698 to know more about Diamond variant of the policy.