Oriental Happy Family Floater Policy 2015

Oriental Happy Family Floater Policy 2015 is a family floater insurance plan covering individuals and their family members. As a family floater plan, it covers at least two persons per family. The policy has three plan categories namely Silver, Gold and Diamond. In exchange for a regular premium, the policy offers coverage for medical expenses, including hospital cash benefit, maternity cover, attendant allowance etc.

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Oriental Happy Family Floater 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

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    Oriental Happy Family Floater Policy 2015: Key Highlights 

    Type

    Family Floater

    Sum Insured

    Rs 2 lakh-20 lakh

    Grace Period

    30 days

    Tenure

    1 year

    Renewability

    Lifelong

    Coverage Offered

    It is a family floater policy that includes three key plan options, categorized as Silver, Gold and Diamond plans. The coverage provided by these plans ranges from Rs 2 lakh to Rs 20 lakh.

    The policyholders will get coverage for the following benefits if they buy Oriental Happy Family Floater Policy 2015.

    • In-Patient Treatment: The in-patient treatment cover includes medical expenses, ambulance and bed charges and others. It also covers maternity and new-born baby under Diamond plan.
    • Pre-hospitalization Treatment: Oriental Happy Family Floater Policy 2015 Insurance Policy offers support for any medical expenses for 30 days before hospitalization, in case the beneficiary is hospitalized for a considerable period.
    • Post-hospitalization Treatment: In case it requires, Online Oriental Happy Family Floater Policy 2015 covers post-hospitalization expenses for 60 days from the day of discharge.
    • Domiciliary Treatment: The Policy covers up to Rs 50,000 for domiciliary treatment. The policy coverage includes only medical expenses and animal bite treatment as applicable.
    • AYUSH Treatment: Oriental Happy Family Floater Health Insurance covers expenses for alternative treatment such as Ayurveda, Unani, Siddha and Homeopathy.
    • Organ Donor: It covers expenses and offers benefits when the insured person is the recipient or donor.
    • Restoration of Sum Insured: Oriental Happy Family Floater Policy 2015 Health Insurance allows restoration of the inclusive slab from Rs 3 lakh to 10 lakh. It is applicable only for Silver and Gold plans.

    Inclusions of the Policy

    Apart from the above coverage, the policy also includes the following:

    • Cash Allowance: The policy offers cash allowance for up to 1.5% of the total Sum Insured for a maximum of 10 days as applicable under the Diamond plan.
    • Critical Illnesses: Oriental Happy Family Floater Health Insurance covers 11 critical illnesses from the categories listed below.
    • Few cancerous diseases
    • Cardiac treatments
    • Coma with a certain severity
    • Motor Neuron diseases
    • Multiple sclerosis
    • Organ transplant
    • Paralysis of limbs
    • Kidney failure etc.
    • Optional cover: The Policy also offers option covers and additional benefits, such as geographically extended protection, sum restoration, accidental cover and Life Hardship Survival benefit.

    Exclusions of the Policy

    Oriental Happy Family Floater Policy 2015 Health Insurance policy does not cover the following treatments or expenses:

    • Hospital admission for diagnostic or investigation purpose
    • Hospitalization for cosmetic surgery, war injuries, infertility, genetic conditions, suicide attempt, HIV or STD-related diseases etc.
    • Pre-existing diseases up to 2 years from the policy is in force
    • Obesity treatment, injury related to adventure sports, damages due to alternative procedures taken, etc.

      For a complete list of exclusions, please refer to the Policy document.

    Features & Benefits of the Oriental Happy Family Floater Policy 2015

    Oriental Happy Family Floater Policy 2015 Health Insurance plan has the following benefits and features:

    • It offers New Born Baby cover till 90 days from the date of birth.
    • Oriental Happy Family Floater Policy 2015 Health Insurance offers benefits for survival while hospitalized for up to 270 days if sufferingfrom any listed critical illnesses.
    • The policyholders can get a daily cash allowance of Rs 1000 for a maximum of 10 days in case of hospitalization.
    • The tax benefits offered by the Policy as per Income Tax Act 1961.

    Eligibility Criteria

    The minimum eligibility conditions of the policy are as mentioned below:

    Minimum Entry Age

    18 years (91 days for dependent children)

    Maximum Entry Age

    65 years

    Number of people covered

    Minimum 2 persons

    (Spouse, Dependent Children, Parents or Parents-in-law, unmarried siblings if dependent, )

    Residential Status

    Residents of India, including Permanent Residents and foreigners holding employment pass.

    Cancellation of the Policy

    • In case of new issuance, the policyholders can cancel the Oriental Happy Family Floater Health Insurance policy within 15 days free look period if they did not make any claims. Policyholders can cancel the Policy anytime on request.
    • The company can cancel the Policy after giving 30 days' notice. The policyholders will be refunded with premiums as applicable. However, they will not get any refund in case of fraudulent activities.

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    Oriental Happy Family Floater 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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