Oriental Family Floater Health Insurance

“Faith and prayers are vitamins of the soul.” Family Floater Policy keeps your spirits high even in bad times by providing an umbrella against untimely illnesses. It provides coverage for your whole family.

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Oriental Family Floater Health Insurance

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    Key Features of Oriental Family Floater Health Insurance

    • Family Floater Health Plan by Oriental Insurance Company has two plans silver and gold plan.
    • Room and nursing expenses are covered up to 1% of sum insured.
    • Covers expenses for day care (that requires hospitalization for less than 24 hours) procedures.
    • Fees of surgeon and medical practitioner is covered.
    • ICU charges are covered up to 2% of sum insured.
    • Ambulance charges are covered up to Rs 1000 per illness and Rs 3000 for whole period under silver plan
    • It covers domiciliary expenses up to 10% of sum insured.

    Premium Details of Oriental Family Floater Health Insurance

    There are two plans:

    Plan Coverage
    Silver plan
    • Sum insured in multiples of  Rs 1 00,000 and up to Rs.5, 00,000/ per person aged 18 years and above.
    • 50% of this limit for persons less than 18 years.
    Gold plan
    • Sum Insured in multiples of Rs. 2, 00,000/-, and up to Rs.10, 00,000/- per person aged 18 years and above.
    • 50% of this limit for persons less than 18 years.

     

    Details of Oriental Family Floater Health Insurance Policy

    • Minimum sum insured: Rs 1, 00,000 for silver plan.
    • Maximum sum insured: Rs 5, 00, 000 for silver plan.
    • Free look period: If the policyholder is not happy with the terms & conditions, it is possible to cancel it by giving the reasons of cancellation. Policy can be withdrawn within 15 days from the date of commencement.
    • Grace period:If the payment is due on renewal of the policy, grace period of 30 days is given to the policyholder to make the payment.

    Documents Required for Oriental Family Floater Health Insurance

    You need to fill up an ‘Application form/ proposal form’ to buy the plan. Also medical examination may be required in some cases, based on the sum assured and the age of the person.

    Eligibility criteria

    This policy can be bought for whole family and maximum entry age for this policy is 55 years. Continuous renewals can be done up to 65 years.

    Inclusions in Oriental Family Floater Health Insurance

    Treatment Coverage(silver) Coverage(gold)
    Daily hospital cash nil 0.1% of sum insured per day. Maximum up to 10 days.
    Surgeon, Medical Practitioner, Consultants, Specialists Fees, Blood, Oxygen, Surgical Appliances, Medicines & Drugs, Diagnostic Material and Dialysis, Chemotherapy, Nursing expenses 10% of Sum Insured, Maximum Rs.25000/- during policy period Rs 50,000 during whole period.
    Treatment for Dog bite (or bite of any other rabid animal like monkey, cat etc.) Reasonable expenses limited up to Rs.5,000/- actually incurred for immunization injections in any one policy Reasonable expenses limited up to Rs.5,000/- actually incurred for immunization injections in any one policy

     

    Additional Features offered by Oriental Family Floater Health Insurance

    This benefits can be availed by paying extra premium other than basic premium.

    Benefits Silver plan Gold plan
    Personal accident
    • Sum insured in multiples of Rs.1, 00,000/- and up to Rs.5, 00,000/- per person aged 18 years and above.
    • 50% of this limit for persons less than 18 years
    • Sum Insured in multiples of Rs.2, 00,000/- and up to Rs.10, 00,000/- per person aged 18 years and above.
    • 50% of this limit for persons less than 18 years
     

     

    Exclusions in Oriental Family Floater Health Insurance

    • Dental treatments are excluded.
    • Sexually transmitted diseases are excluded.
    • Waiting period of 48 months for pre-existing diseases.

    Oriental Family Floater Health Insurance Reviews & Ratings

    0 / 5 (Based on 7 Reviews)
    (Showing Newest 7 reviews)
    Parul
    Punjab, August 02, 2021
    Inexpensive term plan
    My friend is 30 year old and I am 25 years old and noticed a difference in our term plan price. I visited Policybazaar and read some blogs there. I found out that term plans are cheaper if you buy at young age. I am glad to buy this plan at the right time.
    Amrita
    Chail, August 02, 2021
    Tax savings
    I recently bought a term insurance policy from the website of Policybazaar. My plan has amazing features and some additional benefits due to an addon. The best part is I can also enjoy a tax rebate. I am so glad to buy this plan.
    Pratap
    Niwari, August 02, 2021
    Purchased Online
    My friend asked me to buy a term insurance plan online as it is cheaper and more convenient. I visited the website of Policybazaar and bought a term policy which offers great benefits at cheap rates. My online experience has been great. Thank you team.
    Anurag
    Modinagar, August 02, 2021
    Protection against COVID
    The pandemic had me worrying about the future of my family in my absence. I have been searching for a pure insurance policy to safeguard my family against any eventuality. With the help of Policybazaar now I my family is secure as a bought a specialized term plan made to help family of the policyholder.
    Kashish
    Meerut, August 02, 2021
    Best customer service
    I did not understand much about insurance but I knew one thing that I needed to secure the future of my family. I took help from the team of Policybazaar and they suggested me what would be best for me. I am happy with my plan. Thank you so much team.
    Komal
    Palwal, August 02, 2021
    Huge coverage
    I recently bought a term plan from the website of Policybazaar and I am happy with the product. I got a higher coverage term plan with additional benefits and at cost effective price. Now I am worry free for the future security of my family in my absence. Thanks.
    Harisha
    Gurgaon, August 02, 2021
    Quick to buy
    My friend suggested me to buy a term insurance plan online. I visited the website of Policybazaar and it took me about half an hour or maybe less to buy the plan online. The experience was smooth and I am happy with my plan. Kudos team.

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