Oriental Happy Cash policy

Oriental Happy Cash policy offered by Oriental Insurance Company Ltd. that covers expenses related to emergency medical hospitalisation such as lodging, food, conveyance, etc. The policy helps to provide extra security to the policyholder that is usually not provided by all health insurance plans.

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Oriental Happy Cash policy

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

Get insured from the comfort of your home No medicals required
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    Eligibility Criteria

    The minimum eligibility conditions to buy this policy are:

    Type

    Individual or Family Basis

    Minimum Entry Age

    91 days

    Maximum Entry Age

    65 years

    Retail policyholders are allowed up to 75 years

    Number of people covered

    Spouse, Dependent children (3 months -18 years), Parents or Parents-in-law

    Residential Status

    Indian Residents and Citizens

    Coverage Offered

    The Oriental Happy cash policy offers a daily cash benefit up to the sum insured for a limit of 30 or 60 days based on the policy chosen.

    Oriental Happy Cash Insurance Policy provides the following basic coverage:

    • Hospitalization Benefit- The policy will pay any hospitalization expenses up to the daily cash limit for 30/60 days of hospitalization.
    • Convalescence Benefit - If the hospitalization period exceeds 30/60 days, convalescence benefit is provided per policy period.
    • AYUSH Benefit- Medical expenses incurred for Ayurveda treatment is provided, given the hospitalization is either in a government hospital or any other related medical college.

    Inclusions of the Policy

    The Oriental Happy Cash Health Insurance provides the following benefits apart from the basic coverage:

    • Daily Cash Benefit - With 4 options Rs 500, Rs 1000, Rs 2000, Rs 3000 as per the sum insured with a daily cash benefit period of up to 30 days or 60 days. A 25% extra benefit is provided for females only with any additional premium payment.
    • Deductibles- There are 3 options available with this benefit- no deductible, 1 day or 2 days deductibles per event
    • Free Look Period- The policy offers a free look period of 15 days during which the insured can return the policy.

    Exclusions of the Policy

    The following treatments and benefits are not covered in the Oriental Happy Cash Policy:

    • Domiciliary Hospitalization
    • Ambulance charges
    • Worldwide coverage
    • Daycare treatment
    • Emergency Ambulance
    • Health checkup
    • Pre-existing Disease
    • Diseases contracted within the waiting period.
    • Injury caused due to war, invasion or any such situations.
    • Circumcision
    • Surgery Eye correction
    • Dental Treatment, unless necessary due to treatment.
    • Rest cure
    • Congenital External Diseases
    • Any medical expenses for Evaluation or Diagnosis Treatment only
    • Once the sum insured limit as well the number of days up to which the expenses are claimed, is exhausted, no restoration of cover benefit is not provided
    • Maternity benefit
    • Alternative Treatment except Ayurveda treatments is not covered.
    • Hospitalization irrelevant to the ongoing treatment
    • Genetic disorders treatment
    • Change of treatment from one medical system to another
    • Obesity-related treatment
    • Treatment is required due to participating in extreme sports activities such as scuba diving, sky diving etc.
    • Treatment received in a health hydro, nature clinic, or similar establishments.
    • Hospitalization for which a regular treatment is not required
    • Hormone Replacement Therapy or Gender change Treatment
    • Massages, Shirodhara or steam bathing under Ayurvedic treatment

    Features and Benefits of the Oriental Happy Cash Policy

    The main features and benefits of the Oriental Happy Cash are the following:

    • For in-hospitalization expenses, a daily cash benefit up to 30 or 60 days based on the policy chosen is provided.
    • 25% extra daily cash benefit for only females is provided.
    • In case of delay in renewing the policy, a 30-day grace period is provided, but no expenses can be claimed during the grace period.
    • If two or more members are covered, the insured can avail of savings up to 5% and 7.5% on premium payment, respectively.
    • No medical tests or pre-medical checkup is required to purchase this policy.

    Cancellation Terms of the Policy

    For the cancellation of the Oriental Happy Cash policy, refer to the following guidelines:

    • The policyholder can return the policy during the free look period.
    • By giving a 30 days' notice, the policyholder can cancel this policy, and the premium will be refunded on a pro-rata basis for up to 6 months.
    • If the policy is canceled after 6 months, no amount will be refunded.

    The Insurer can also cancel the policy on the grounds of fraud and non-disclosure of correct information.

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    Oriental Happy Cash policy Reviews & Ratings

    0 / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Omkar
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Angoor
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Kush
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Ranveer
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Kushal
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Jitendra
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Rajesh
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Kuvar
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Abhijeet
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
     
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