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Oriental Health Insurance for family
Oriental Health Insurance for family is a customized health insurance plan designed to cover the entire family. This family health insurance plan by the Oriental Insurance Company Limited provides medical coverage to all family members irrespective of their age on a floater sum insured basis.
Oriental Health Insurance for family
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Key Benefits of Oriental Health Insurance for Family
Given below are the key benefits of Oriental Health Insurance for family:
- Multiple sum insured options ranging from Rs 2 lakh to Rs 20 lakh
- No pre-acceptance medical check-up for up to 55 years
- Restoration of the sum insured
- 5% discount on buying or renewing the policy online
- 5% discount if TPA services have not been opted
- Option to extend maximum entry age up to 70 years
Oriental Health Insurance Plans for Family
Take a look at the details of the Oriental Health Insurance plan available for a family:
|
Plan Name |
Sum Insured (Rs) |
Pre-existing Diseases Waiting Period |
|
|
Oriental Happy Family Floater Plan |
Silver – 2 lakh to 5 lakh |
4 years |
View Plan |
Eligibility Criteria for Oriental Health Insurance for Family
The following table represents the eligibility criteria for purchasing an Oriental Health Insurance plan for a family:
|
Categories |
Eligibility Criteria |
|
|
Adult |
Child |
|
|
Minimum Entry Age |
18 years |
91 days |
|
Maximum Entry Age |
65 years |
25 years |
|
No of Family Members Covered |
Self, spouse, children, parents, parents-in-law and unmarried dependent siblings |
|
|
Renewability |
Lifelong |
|
Choose Health Insurance Company for Family
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Inclusions of Oriental Health Insurance for Family
Oriental Health Insurance for family provides the following inclusions:
- In-patient Hospitalization
- Day Care Procedures
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- Organ Donor Benefit
- Domiciliary Hospitalization
- Ambulance Charges
- AYUSH Treatment
- Medical Second Opinion for 11 Specified Major Illnesses
- Telemedicine Expenses
- HIV AIDS Cover
- Mental Illness Cover
- Maternity Expenses Cover (Available under Diamond plan)
- New Born Baby Cover (Available under Diamond plan)
- Daily Hospital Cash Allowance (Unavailable under the Silver plan)
- Attendant Allowance (Unavailable under the Silver plan)
Optional Covers:
- Personal Accident Cover
- Geographical Extension to SAARC countries
- Restoration of the sum insured
- Life Hardship Survival Benefit
Exclusions of Oriental Health Insurance for Family
The following coverage is excluded under the Oriental Health Insurance for family:
- OPD treatments
- Cosmetic or plastic surgery
- Treatment taken outside India
- Adventure or hazardous sports
- Treatment of alcoholism or drug abuse
- Unproven treatment
Get the entire list of exclusions by referring to the policy documents of Oriental Health Insurance for family.
FAQs
-
Q1. Are there any waiting periods under Oriental Health Insurance for Family?
Ans: Yes. The Oriental Happy Family Floater plan comes with the following waiting periods:
- Pre-existing Diseases Waiting Period – 48 months
- Specified Diseases/Procedures Waiting Period – 24 months
- Initial Waiting Period – 30 days
- Organ Donor Benefit Waiting Period – 12 months
- Maternity Expenses Waiting Period – 24 months
-
Q2. Is there any co-payment applicable to Oriental Health Insurance for family?
Ans: Yes, a co-payment of 10% applies to all claims raised under the Oriental Happy Family Floater Silver plan. In case the entry age has been extended to 70 years, a co-payment of 20% will apply to all claims under the Silver and Gold plans.
-
Q3. When can I enhance my sum insured under the Oriental Health Insurance for family?
Ans: You can enhance the sum insured under your Oriental Happy Family Floater plan at the time of renewing the policy.
Oriental Health Insurance Plans
Individual Mediclaim Policy
Family Floater Health Insurance
Happy Family Floater
Group Mediclaim Policy
OBC Oriental Royal Mediclaim Policy
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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