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.

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 Gold – 6 lakh to 10 lakh Diamond – 12 lakh to 20 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
Categories	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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Bharti AXA Health Insurance for Family

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Digit Health Insurance for Family

Edelweiss Health Insurance for family

Future Generali Health Insurance for Family

IFFCO Tokio Health Insurance for Family

Family Health Insurance PlansExpand

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.