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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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
    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

    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

    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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