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Oriental Insurance Company Happy Family Floater Silver - 1 Lakh to 5 Lakh Vs United India Family Medicare Family Floater - 1 to 10 Lakh Health Plan Comparison

Oriental Insurance Company
Happy Family Floater
Silver
1 Lakh to 5 Lakh
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United India
Family Medicare
Family Floater
1 to 10 Lakh
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Policy Tenures (Years)
1
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
80
Minimum Entry Age (Child)
91 days
3 Month
Maximum Entry Age (Child)
20
18
Maximum Renewal Age
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Actual
Fully Covered
No. of Day Care Treatments Covered
116
All
OPD Benefit
No Pre-Policy Medical Tests Age
Compulsory for all ages
Compulsory for all ages
Room Rent
Actual Rent
Not Covered
ICU Rent
Actual Rent
Not Covered
Waiting Period for Pre-existing Diseases (months)
48
48
Waiting Period for Named Ailments (months)
0
0
Pre-hospitalisation Expenses
Actual expenses for Upto 30 days
Not Covered
Post-hospitalisation Expenses
Actual expenses for Upto 60 days
Not Covered
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1000
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , 1% of the average Sum Insured during the preceding three policy periods.
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Not covered
Actual expenses
Second Opinion
Not covered
Not covered
e-Opinion
Covered
Not covered
Cumulative Bonus
Co-payment
Cashless Hospital Network
1450 hospitals across India
7000 hospitals across India
Free Look Period
15 days
15 days
Grace Period
30 days
0 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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