Oriental Happy Cash policy

Insurer Highlights

*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

Back
Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      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.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*

      Health insurance articles

      Recent Articles
      Popular Articles
      10 Reasons Why Your Health Insurance Claim Can Get Rejected

      01 Dec 2023

      Health insurance plans add a layer of invisible protection against
      Read more
      Knee Replacement Surgery Cost in India

      30 Nov 2023

      Knee pain has become a very common ailment in India, with over 15
      Read more
      Kidney Transplant Cost in India

      30 Nov 2023

      Kidney disease has been growing at an alarming rate in India. As
      Read more
      How Can NRIs Save Taxes on Health Insurance in India?

      24 Nov 2023

      Health insurance is an essential buy for people in India as well
      Read more
      Is LASIK Surgery Covered by HDFC ERGO Health Insurance?

      21 Nov 2023

      The growing dependence on electronic gadgets has impacted
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Pre-Existing Disease (PED) Cover from Day One
      Pre-existing diseases (PED) are mostly expensive to treat as they are chronic in nature. Unfortunately, most health
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL