Oriental Happy Family Floater Policy

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Overview


When it comes to your family, you will never compromise with their health and happiness. Everyone loves their family as it’s worth it. There is nothing which can replace the warm love and support of your family for you. But, have you ever thought of providing health coverage to them? Have you ever thought what will happen when they meet an unwanted situation which is dangerous for their life and you don’t have the required funds? In this case you will try to arrange funds but that too is a lengthy and process. That’s why for providing a healthy life to your loved ones, you should insure them under a best family floater plan.

A family floater plan is something that provides comprehensive coverage to your whole family under a single plan. It is a cost effective option. This kind of policy offer great coverage and discounts to their potential consumers.

Benefits and Features

Basic Attributes:

This insurance policy allows you to insure your whole family under a single sum assured. The amount floats for every member under the policy.

Benefit of Hospitalization Cover: As any other health plan you will get hospitalization cover in this as well. The company has extended the coverage to provide better opportunities to you. This ensures that you will get the desired coverage without facing any financial crisis. The company has divided this into two parts Silver and Gold. In both cases the coverage is almost the same, but slightly better in gold.

Pre Existing Disease: It offers coverage on pre existing diseases however it has some prescribed conditions regarding the same.

Personal Accident Cover: This feature works worldwide which means if you or any of your family members are met with an accident at any place across the world, then the insurer will pay for the required treatment in that country as well.


Expert View

A comprehensive family floater plan. It is one of its kind plan that provides complete health coverage to consumers along with the help of useful features and discounts as well.



Why Oriental Family Floater Policy?

Survival Benefit: This feature is applicable for Gold plan user only. Under this scheme, if a claim is for a particular illness as per the list of company, then a survival benefit will be provided to the insured. The liability for the same will be limited. Consumers will be able to take advantage of this benefit once in a year.

No Claim Discount: A discount of around 5 to 20 percent for a claim free year will be provided to the insured. Consumers can use this discount at the time of renewal.

Free Look Period: The company offers a free look period of 15 days from the day of receipt. This is for reviewing the terms and conditions of insurance plan. It the consumer is not okay with it, he/she can send it back. It is only for the new insurance policies.

Exceptions:

Eye Treatment: Surgeries for better eye sight will not be included. Even the cost of spectacles, contact lenses and hearing aids will be out of the scheme.

Naturopathy Treatment: Naturopathy treatment, experimental or alternative medicine unproven procedure or treatment and associated treatment including acupuncture, acupressure, magnetic and such other therapies are not covered under the policy.

Ayurvedic Treatment: Massages, Shirodhara, Steam bathing, and different forms of ayurvedic treatment are not insured by this policy.There are many more exclusions under this policy.