*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 Hospital Cash policy provides coverage for incidental expenses, such as lodging, conveyance, food, etc. which are generally not covered by a regular health insurance plan. This policy by the Oriental Insurance Company Ltd. can be purchased separately besides your base health insurance plan.
The Oriental Happy Cash policy provides a fixed daily hospital cash benefit to the insured for a maximum of 30 or 60 days of hospitalization per illness. It also provides a fixed lump sum amount as a convalescence benefit in case the total days of hospitalization goes beyond the opted number of hospital cash days i.e. 30/60 days.
Moreover, if the insured is a female, she will get an additional 25% daily cash benefit at no additional costs. For example, if the insured woman has opted for a hospital cash amount of Rs 1000 per day, she will get 25% extra daily cash benefit i.e.Rs 1250 per day.
The Oriental Hospital Cash policy offers a hospital cash amount of Rs 500/1000/2000/3000 per day as chosen by the policyholder. It also comes with an optional deductible of 1 day and 2 days, which can be chosen by the policyholder. However, opting for a deductible is not mandatory under the policy.
Minimum Entry Age
03 months (children)
Maximum Entry Age
65 years (75 years in case of base health policy from Oriental Insurance)
25 years (children)
Hospital Cash Amount
Rs 500/ 1000/2000/3000 per day
Number of Hospital Cash Days
25% additional daily cash benefit for women
Pre-existing diseases waiting period
1 day/ 2 days (Optional)
Family discount and loyalty discount
The Oriental Happy Cash policy from Oriental Health Insurance comes with the following features and benefits:
Take a look at the various coverage offered under the Oriental Hospital Cash policy:
The following medical expenses are not covered by Oriental Happy Cash policy:
The above list of exclusions is not complete. Refer to the Oriental Hospital Cash policy brochure for the detailed list.
Yes. The following waiting period applies to Oriental Hospital Cash policy:
No. You do not have to undertake any pre-policy health check-up to buy Oriental Happy Cash policy.
You can reduce the premium for your Oriental Hospital Cash policy premium with the help of the following:
Yes. The Oriental Hospital Cash policy covers treatment taken through Ayurveda, Unani and Homeopathy, provided you are hospitalized to a government hospital or a hospital associated with a medical college.
You can change the daily hospital cash amount under your Oriental Hospital Cash policy at the time of policy renewal.
Yes. You can cancel your Oriental Hospital Cash policy mid-year. You will be able to cancel the policy without paying any cancellation fees during the free-look period or the first 15 days from the policy commencement date. After this period, you will have to pay a cancellation fee to cancel your policy.
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