Oriental Insurance Happy Family Floater

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Oriental Insurance Happy Family Floater Health Policy

 

Oriental Insurance Happy Family Floater health insurance policy covers medical expenses incurred by the entire family under a single sum assured. Family includes self, spouse, children, parents and parent-in-laws. Medical expenses incurred due to any illness, injury or accident that require hospitalisation are covered under this policy.


 

Key Features of Oriental Insurance Happy Family Floater Health Policy

 

  • Mediclaim insurance cover for treatment against illnesses
  • Also Covers for accidental injuries and surgery requirement
  • Covers planned and unplanned hospitalization expenses till the sum assured coverage amount

 

 

What is covered in Oriental Insurance Happy Family Floater Health Plan?

 

  • Medical expenses incurred during hospitalisation for treatment of illness, injury or surgery
  • Expenses incurred 30 days prior to hospitalisation
  • Treatment expenses up to 60 days after being discharged from the hospital

 

 

Additional Benefits of Oriental Insurance Happy Family Floater Health Policy

 

  • No medical check up for individuals below the age of 45 years
  • Cash allowance for the days admitted (in Gold plan)
  • Attendance allowance if a child between 3 months to 10 years is admitted
  • Add on option of Personal accident for self and dependents
  • Option to add on cover of Life Hardship (Survival Benefit), diseases like cancer (IV) stage, End stage Renal Disease, Stroke leading to Paralysis or paraplegia.
  • 5% discount in premium if opted out of TPA service

 

 

Eligibility and Restrictions of Oriental Insurance Happy Family Floater Health Policy

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

50,000

10,00,000

Policy Term (in years)

1

1

Entry Age (in years)

5

70

Renewable till Age (in years)

-

80

 

 

Tax Benefits in Oriental Insurance Happy Family Floater Health Policy

 

Exemption under income tax (80D of Income Tax Act) for Premium paid by cheque will be offered to the policyholders

 

 

Exclusions - What is not covered in Oriental Insurance Happy Family Floater Health Policy?

 

  • Pre-existing diseases are not covered under this plan
  • There is an initial waiting period of 30 days within which no claim will be admitted except any injuries due to accident
  • Maternity related expenses, pregnancy and child birth is not included
  • Treatment for certain diseases like Fistula of anus, Piles, Cataract operation, Benign prostatic hypertrophy, Hysterectomy, Menorrhagia or Fibromyoma, Hernia, Sinusitis, Asthmatic complications, Bronchitis, etc are not covered
  • All Psychiatric or Psychosomatic disorders are also excluded from this policy.

 

 

Alternate health insurance plans from other insurance companies

 

Max Bupa Heartbeat Family Floater

Apollo Munich Easy Health Family

Star Family Optima Health Insurance

 

 

Other Health plans from Oriental Health Insurance

 

Oriental Insurance Mediclaim

Oriental Insurance Personal Accident Policy

Oriental Insurance Universal Health Insurance Scheme

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the Oriental Insurance Happy Family Floater brochure and insurance company's website. It should not be construed as a Critical or Favourable Oriental Insurance Happy Family Floater Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.


Leave a Comment

Hi i m kishor arora. I wish to take a helth plane for my family.i m 37 yrs old and my wife 30 & chuildrens are 7 & 2 years .my mother's age is 70+ plz suggest me which plane i should have.

By Kishor Kumar Arora on Jul 22, 2014 Reply

Take 2 separate plans –
1) Individual Policy - For your mother
2) Family Floater - For yourself, your wife and children

Kindly visit this page to calculate premiums from multiple insurance companies
http://www.myinsuranceclub.com/health-insurance/

You will see a list of all the policies with premiums and features
 

Replied By Manoj Aswani (MIC Staff) on Jul 22, 2014 Reply

Hi, i want to take policy for me and my wife age 33 & 27 respectively and located in chennai. Please let me know whom to contact or online also is there any precheck i need to go. contact me via email - sankarsjc80@gmail.com

By Umasankar Subramaniam on Apr 16, 2013 Reply

Hi Umashankar, if you want to buy this particular policy you can directly to their website and purchase it online. The link for the same is mentioned below.

http://www.orientalinsurance.org.in/BuyNewWeb/BuyNewRevampServlet?productID=buy

Hope this helps.

Replied By Admin (MIC Staff) on Apr 17, 2013 Reply

plz. give me list of cashless hospitaliasation hospitals in amritsar
under corporate medical policy of your hospital.

By Ashok Joshi on Mar 25, 2013 Reply

Dear Ashok, it is best to ask your HR department for the list in case they have a tie-up. Unfortuntely this list is not publicly available.

Replied By Admin (MIC Staff) on Mar 25, 2013 Reply

dear sir we have already takeing mediclam happy familly floater policy schedule and i allredy paid three premium and fourth is due on 21/03/2013 through agent name mr. bhavesh .sir i want to know about my status because sir last three year there is not a single document or communications from oriental insurance company. sir last premium rs.3607=00 paid by cash on 20/03/2012 through agent mr.bhavesh he given me a receipt on 15/03/2013.sir i want to know on receipt mentioned payment collect by cheque and bank name axis bank.where i paid by cash.so sir i want to know my todays status. detail given below. policy no. 131100/48/2012/17593 insured code. 48303923 insured name. VASANT VORA ADRESS. 7,Darshil apartment,opp. Madhuri bhavan, india colony,bapunagar AHMEDABAD

By Vasant Vora on Mar 16, 2013 Reply

Dear Vasant Vora, as a practice never make payments for insurance in cash. Also I hope you are getting the renewed policy document every year. If not, there is definitely something funny. If you are having doubts and are comfortable with making payments online, you can directly renew your policy at the Oriental Insurance Website http://www.orientalinsurance.org.in/BuyNewWeb/BuyNewRevampServlet?productID=all Also you will immediately come to know if there is something funny happening. Contact the company directly in case you are not being able to renew your policy online

Replied By Admin (MIC Staff) on Mar 16, 2013 Reply

Dear sir
Thank you for giving reply but sir i want to know that last three years i paid premium for that policy in cash is it credited in my account?. Means 2010, 2011, and 2012 and i give you my policy no. is 131100/48/2012/17593. code no.is 48303923. and insured name is VASANT N. VORA FAMILY. My policy premium due date is around 15/03/ and sir i hope you give reply fast. thanking you. vasant vora

Replied By Vasant Vora on Apr 06, 2013 Reply

Dear Sir, only the insurance company can confirm this. But given that the 2012 policy document is available with you, it means that the premiums are being paid on time. You may want to counter check by writing to csd@orientalinsurance.co.in

Or call them at 011-43659595, 23279221 - 25 and take stock

Replied By Admin (MIC Staff) on Apr 17, 2013

we have already takeing mediclam health polocy self and spouse my age 56 year one lac last year through Orintal Insurance co ltd now to be renewled but we want added four lac of this polocy pl reply

By Prakash Chander Singh on Mar 15, 2013 Reply

Dear Prakash Chander Singh, you will have to contact Oriental Insurance Company for doing this. Depending on the policy you have taken, they will check if the Cover amount can be increased. If you have used the services of an Agent, Bank or some other channel, please ask them to help you out with this. The company's toll free number is 1800-11-8485

Replied By Admin (MIC Staff) on Mar 15, 2013 Reply

(1.) i am deepti arora 29 years i want to take policy ( 2.) my husband vicky arora 31 years ( 3) one child baby 4 mounth. (4) mouther in law saroj arora 56 years and (5.) my father vijay khurana 59 years (6.) my mouther veena khurana 56 years please let me know under gold plan sum insurance 6 lakh what will be premium you wil charge reply my father email i.d

By Vijay Khurana on Mar 13, 2013 Reply

Dear Deepti, we would recommend that you take seperate plans for yourself, husband and child. Then take seperate plans for each of your parents/in-laws. Chances of claims are higher with elder people and it is best that the whole policy is not impacted. We will contact you direclty for the same.

Replied By Admin (MIC Staff) on Mar 16, 2013 Reply

i am seema 44 year of age and i just want to know the yearly premium of 4lacs
abhay 48
seema 44
akshay 20
laksh 16

By Seema on Feb 18, 2013 Reply

list of hospitals approved for mediclaim policy issued by the oriental insurance co ltd is not mentioned any where in policy. how can we get the information

By Surinder Kher on Feb 09, 2013 Reply

I appreciate you sharing this post.Really thank you! Will read on...

By Satendra Sharma on Oct 01, 2012 Reply

i want medical cashless policy
for age 50-55
for age 15-20

By Mprmurthy on Sep 11, 2012 Reply

National health insurance co is good for everyone people sakore our life .

By Manish on Aug 08, 2012 Reply

Respected Sir/Mam,
I want to have a take a family health insurance policy for 4(App.) lac. our family detail are:
my father age 53Y
my mother age 45Y
my brother age 23Y
my self 21Y
So, Please guide me for a better family health insurance policy as soon as possible.

Thanks
Ankit Khandelwal

By Ankit on Jul 07, 2012 Reply

I would like to know more details about this policy.

By Monika Kapoor on Jul 02, 2012 Reply

I interested about your policies,please send me the details of policies and agent contact in Ahmedabad.Other wise contact me on 9601136826.

Regards
Surya

By Surya on Jun 30, 2012 Reply

i want to take a health insurance policy for about 3 lacs to my family, ages of my family members are as follows
father 60
mother 52
myself 32
my wife 27
my son 2
please let me know yearly premium details.

By Ganesh Patil on Jun 27, 2012 Reply

i want to take a health insurance policy for about 5 lacs to my family, ages of my family members are as follows
father 57
mother 49
myself 32
my wife 25
my son 6
please let me know yearly premium details.

By Ramachandra Y on Jun 16, 2012 Reply

I Want a mediclaim policy our family. family detail are -
My father age 53y, mother45y,brother 23y & my self 21y.
.please advise. Send me the quotes

By Ankit on Apr 25, 2012 Reply

i want draw mediclaim floter policy with myself, my father, & my mother
my age 30years
my father age 62 years
my mother age 61 years
kindly advise me. if possible we cover all in this policy & what will we get benefit in this policy?

By Nitin Prabhakar Mahadik on Apr 24, 2012 Reply

i want draw mediclaim floter policy with myself, my father, & my mother
my age 28years
my father age 67 years
my mother age 57 years
kindly advise me. if possible we cover all in this policy & what will we get benefit in this policy?

By Shashikant Taware on Apr 08, 2012 Reply

I wanted to have policy of 2 -3 lakh for 4 member of my family.
My mother age 83 year
Myself age 51 year
My wife age 42 year
My son age 16 year
My sister 60years

By Bhagawansant on Mar 31, 2012 Reply

I am 37 year old , My dependent is my mother.I am about to get married.Please send me details of this policy.My contact no is 9421192995.

By Rauji Kudalkar on Mar 28, 2012 Reply

This is m prabhudeva here from Bangalore.
I wants to make health care policy & i want to cover myselt (49s ) my Wife 42, son 20,son 16 and my mother ( 72 yrs ) plz let me know that which p[olicy will cover this.. and whats the premium amount for how many years?

Thanks & Regards,
m prabhudeva

By M Prabhudeva on Mar 17, 2012 Reply

dear sir,
My friends have oriental insurance group mediclaim policy was 8 years old. now this policy was converted in family floater mediclaim policy which was added wife 's name in 2010 &giving information for add the name of sons in 2011but by mistaken they were not added the name of sons now his son was in hospitalization & agent was refusing his mediclaim policy because of his name was not added this was mistake by the agent kindly know the solution from you.

please do the needful.

regrads.

By Minal on Feb 29, 2012 Reply

i want a family insurance coverage up to 2 lakhs my age 44 spouse35 son 6 daughter 18 months please send us the details of premium charges and coverages

By Anilkumar on Feb 20, 2012 Reply

i want a family insurance coverage up to 2 lakhs my age 44 spouse35 son 6 daughter 18 months please send us the details of premium charges and coverages

By Sunil Kumar on Feb 15, 2012 Reply

I am a NRI (Middle east) and would like to take a policy for medical & accident cover, for my family consisting 4 members,
self (57 yrs), wife (49 yrs), Son (22 yrs), Daughter (14 yrs). Please send me a quote for a
maximum coverage of Rs 5 lakhs.

By Vijayan V K on Feb 14, 2012 Reply

i have a old policy (near about 4years) for another company.Continuation Require for your company.

By Sanjibmoulick on Feb 11, 2012 Reply

My family members are
1. My Self
2. Wife
3. One Child
4.Father 72 years old
5. Mother 68 Years old
Pls Send me the eligibility and details of oriental-happy-family-

By Rama Mohan on Jan 30, 2012 Reply

I want to take a policy for my family. Details below
Self - 31yrs
Wife -24yrs
Chield - 2yrs
Please advise. Send me the quotes

By Tejveer Singh Bhati on Jan 22, 2012 Reply

i am 54 years old,my wife is 49 years old,i want 4 lakh sum to be insured for cashless with personnel ancident mediclaim oriental happy family floater plan,i am told no requirement of medical,want illustration,complete exclusions, hospital lists,told pre existing diseases are covered after 4 years,complete information for my requirement

By Rajendra Kumar Sharma on Jan 20, 2012 Reply

Can I get the Network hospital List

By Sanjay Patwal on Jan 12, 2012 Reply

dear sir,
myself abhinav mishra i would like to take mediclaim policy for my wife age 44years and two children age 8years and 01 month please suggest us best policy upto 2lacs cover
please also send us your advisor ph number for explain

By Abhinav Mishra on Jan 12, 2012 Reply

Oriental Bank of Commerce is offering a mediclaim policy with Oriental Insurance companyfor Rs.3259/- to a sum of two lakhs policy. I feel the rates indicated above are abnormal.

By Cv Rao on Jan 12, 2012 Reply

i want policy mother 61yrs anil 41yrs seema35yrs hemal14yrs sambhav 9yrs pls call 9849838727 for goodpolicies

By Anil Kumarjain on Jan 06, 2012 Reply

Hi

I am planning to take the policy to cover my family for medical treatments. Please suggest good policy

Planning cover will be 1 -2 lakhs

My Family members are as below
Father - 60 years
Mother - 53 Years
My self - 34 Years
Wife - 28 years
Child - 1 year

Please suggest and send the details

By Kiran on Jan 06, 2012 Reply

I AM 28 YRS OLD. I WANT TO TAKE THE HEALTH INSURANCE POLICY FOR THE FAMILY. MY FAMILY INCLUDES.
1. SELF - 28 YRS
2. WIFE - 26 YRS
3. CHILDREN - 3 MONTS
4. FATHER - 48 YRS
5. MOTHER - 45 YRS.

PREMIUM - 5 LACKS

PLEASE SUGGEST ME THE BEST POLICY.

By Venkata Phani Chalasani on Jan 03, 2012 Reply

Self - 53Year
Wife - 48Year
Son - 21Year
I need a policy and Please suggest about Premiume & Medical Check up

By Bhimjibhai on Jan 02, 2012 Reply

existing at reliance flotter , can it be switch 2 ur co. with 25%NCB let me know

By Parul Shah on Dec 29, 2011 Reply

Is this a cashless policy? If so, I need the list of Hospitals in the network.

By Aravindan on Dec 29, 2011 Reply

I Want to have family insurance policy of 1lakh details are below :
self 23years
father 53 years
mother 48 years
please provide detail information of policy &premium

By Sagar Sarda on Dec 23, 2011 Reply

for buying and servicing or health product or ANY PROBLEMS IN HEALTH INSURANCE pls contact on my email even in for claims guidance pls send me mail thanks.

By Amit Visani on Dec 14, 2011 Reply

we want details of family health insurance details

By Sathyamurthy on Dec 13, 2011 Reply

i want to take a famiy insurance policy. details below
self -38years
wife-33years
son-16years
daughter-13year
son-10year

By Gokul Singh on Dec 09, 2011 Reply

I want 2 lakhs Policy regarding health. I am 48 years and also my husband 48 years.
Please provide me proper details, contact no. So, i can able to take the proper policy.

By Sharda Baban Said on Dec 07, 2011 Reply

I would like to take a family health insurance.Can I know how much will be the premium for I year and the amount which covered

By Babumonponnambath on Dec 07, 2011 Reply

I want to take a policy for my family. Details below
Self - 51yrs
Wife -42yrs
son - 23yrs
son - 14yrs
Please advise. Send me the quotes

By Pradeep Mehta on Dec 06, 2011 Reply

I am 59 years old with diabetes and High Chalestrol, for which I am taking regular medicines. I have never been hospitalized for these problems ever in life. I want to know if you have any policy that covers pre-existing dieses besides providing health insurance cover.
AK Jalali, Mobile No: 09428508409

By Autar K Jalali on Dec 04, 2011 Reply

I want to take a policy for my family. Details below
Self - 30yrs
Wife -26 yrs
Father - 62yrs
Mother - 58 yrs
Please advise. Send me the quotes

By Pavankumar S on Dec 04, 2011 Reply

I want to take Medical Policy for my family for 2 A & 1 K.

give me feed back forpolicy rs.1,00,000 amount

By Manoj on Nov 28, 2011 Reply

I need a policy which can cover pregnancy benefit for my wife also?
please suggest on this

for 2 Adult and 1 Kid.

By Manoj Gupta on Nov 28, 2011 Reply

i like to go for family health insurance policy for 2 lakhs. Please do reach me out through mail.

By Shivakumar H.M on Nov 17, 2011 Reply

I would like to know more details about this policy.plz tell hwz d policy....

By Mohiuddin on Nov 16, 2011 Reply

MA.mohiuddin
I am 45 year of age .At present.My buseness netive place is hyderabad.So, can i able to do the Iprotect Term Insurance Plan .and health please advise and my hole family with mother 2 children wife,thanks

By Mamohiuddin on Nov 16, 2011 Reply

PLEASE ADVISE BRONCHOPNEUMONIA & LOBAR PNEUMONIA IS COVERED IN POLICY OR NOT

By Anil Sinha on Nov 13, 2011 Reply

I want to take Policy for mydaughter
Oriental Insurance Happy Family Floater
kindly
give me feed back forpolicy rs.1,00,000 amount

Bsrrao

By Bsrrao on Nov 10, 2011 Reply

I wanted to have policy of 2 -3 lakh for 4 member of my family.
My mother age 58 year
Myself age 32 year
My wife age 29 year
My daughter age 2 year

Please advice.

By Rahul on Nov 06, 2011 Reply

Presently i am policy holder of reliance health insurence ( no claim ) i would like to switch over to oriantal can i get any additional benefit .

By Jeewan Rathore on Nov 02, 2011 Reply

I want to buy a health plan that would include Hernia,thats for my father-in law....He is 58 yrs old.please give a reply

By Subhasish on Oct 25, 2011 Reply

want to know about family health insurance 2+2 can you guide me. also want to know about any good pansion plan if you have for government servants.

By Shyam Gaonkar on Oct 05, 2011 Reply

I need a policy which can cover pregnancy benefit for my wife also?
please suggest on this

By Ramprasad K on Sep 28, 2011 Reply

Is this cashless policy? Or i have to pay the bill first and after that the claim will be granted by the company? Please reply.

By Manish Bangali on Sep 17, 2011 Reply

i need 2 lakhs policy regarding of health. pls provide proper details / agent detail to our e mail id or contact
I need a policy which can cover pregnancy benefit for my wifeandchilderns also?
please suggest

By V.Seshagiri on Sep 17, 2011 Reply

can aurvedic treatment is covered under family floater policy

By Sagar Nandi on Sep 01, 2011 Reply

I would like to know more details about this policy

By Ramakrishna M on Aug 26, 2011 Reply

Is mysentric cyst covered

By Rosario Dcosta on Aug 20, 2011 Reply

Presently with United India for the past 4 years. Just developed diabites last 1 year and taking tablets only. pl suggest whether the diabites will come under pre-existing condition.

By Sandeep on Aug 17, 2011 Reply

I need a policy which can cover pregnancy benefit for my wife also?
please suggest

mob. 8053564660

By Brij Mohan Sharma on Aug 14, 2011 Reply

I need a policy which can cover pregnancy benefit for my wife also?
please suggest

By Ashish Joshi on Aug 10, 2011 Reply

Dear Tell me more detail how your policy is superior than other.

By Anjani Kumar Gaur on Aug 10, 2011 Reply

i need 2 lakhs policy regarding of health. pls provide proper details / agent detail to our e mail id or contact


K srinivasa rao

Ph: 9441916184

By Srinivasa Rao on Aug 10, 2011 Reply

I would like to know more details about this policy.

By Arunprasad on Aug 09, 2011 Reply

plz tell me the terms and condition of your policy............

By Puneet Mehta on Aug 07, 2011 Reply

I bought this insurance policy last year. I hope this is a good plan because one insurance agent told me to buy this at the last minute when i wanted to save tax

By Hitesh on Aug 02, 2011 Reply

Hi,

This is harry here from Delhi.
I wants to make health care policy & i want to cover myselt (28s ) my Brother 25, sister 22 and my mother ( 49 yrs ) plz let me know that which p[olicy will cover this.. and whats the premium amount for how many years?

Thanks & Regards,
harry

By Harry on Jul 30, 2011 Reply

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