Oriental Health Insurance for family

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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.

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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
      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:


      Eligibility Criteria



      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



      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.


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      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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