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Oriental Insurance Happy Family Floater
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
Coverage Amount (in Rs.)
Policy Term (in years)
Entry Age (in years)
Renewable till Age (in years)
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.