*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
Who would you like to insure?
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.
Type |
Family Floater |
Sum Insured |
Rs 2 lakh-20 lakh |
Grace Period |
30 days |
Tenure |
1 year |
Renewability |
Lifelong |
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.
Apart from the above coverage, the policy also includes the following:
Oriental Happy Family Floater Policy 2015 Health Insurance policy does not cover the following treatments or expenses:
For a complete list of exclusions, please refer to the Policy document.
Oriental Happy Family Floater Policy 2015 Health Insurance plan has the following benefits and features:
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. |
Ans: Oriental Happy Family Floater Policy 2015 Insurance Policy has 30 days waiting period to start all illness covers except in policy renewal and accidents.
Ans: The policy allows 10% cost-sharing as copayment under the Silver Plan and 20% cost-sharing if the entry age is above 65.
Ans: The country extends its benefits coverage to seven countries other than India, such as Afghanistan, Bangladesh, Sri Lanka, Pakistan, Bhutan, Maldives and Nepal for policyholders who would buy Oriental Happy Family Floater Health Insurance.
Ans: The policyholders must pay due premiums within the grace period to avoid policy termination. In case a new member is added at the time of renewal, the policy will be considered a new policy concerning that member.
Ans: This Policy offers up to 10% of the sum insured as coverage to the insured donors; if the insured person is the recipient, it covers medical and other related expenses.