Oriental Happy Family Floater Policy
  • International Cover
  • Multiple Discount Benefit
  • E-Consultation Available
Oriental Health Insurance
premium

Network hospitals

3500+

premium

Incurred claim ratio

130.09%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.6

premium

Pan India Presence

1800+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

3500+

premium

Incurred claim ratio

130.09%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

13

premium

Solvency Ratio

0.6

premium

Pan India Presence

1800+

Oriental Happy Family Floater Policy

Oriental Family Floater Policy offers versatile coverage options to their policyholders. With 4 different plan options, namely, silver, gold, diamond, and platinum, Happy Family Floater Policy offers high-sum insured options ranging from INR 1 to 50 Lakhs. Happy Family Floater Policy offers multiple optional covers for enhanced protection for policyholders like geographical protection in SAARC countries wherein the insured individual can be insured when traveling abroad to any of the SAARC (South Asian Association for Regional Cooperation) countries -Afghanistan, Bangladesh, Bhutan, Maldives, Nepal, Pakistan, Sri Lanka. Other than this policyholders can also avail features like hospitalization cover, automatic restoration, worldwide personal accident cover, and more.

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Oriental Happy Family Floater Policy Plan Specifications

Child Entry Age

Minimum Child: 91 Days to 25 Years

Adult Entry Age

Maximum: 65 Years

Plan Type

Individual/ Family Floater

Policy Term

1 Year

Initial Waiting Period

30 Days*

Sum Insured

2 L | 3 L | 5 L | 8 L | 10 L | 12 L | 15 L

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your Oriental Happy Family Floater Policy

With comprehensive coverage options, Oriental Happy Family Floater Policy lets you customize your health insurance plan as per your requirements:

SI Options : Silver Plan

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Covered up to 10% of SI

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Not Applicable

Automatic Restoration

Applicable

Daily Hospital Cash

Not Available

Organ Donor

Covered up to SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered up to SI

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Up to Rs.1,000

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Available

Second Medical Opinion

Up to Rs.5,000

Vaccination

Not Available

Limitations

Co-payment

Applicable, 10% of each & every claim

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy Plan, the room rent is covered up to 1% of S.I in all variants.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy Plan, ICU charges are covered up to 2% of S.I under all variants.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Oriental Happy Family Floater Policy?

Under the Oriental Happy Family Floater Policy Plan medical expenses incurred during pre-hospitalization are covered for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy Plan, medical expenses incurred during pre-hospitalization are covered for up to 60 days.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy, domiciliary hospitalization is covered:

  • 10% of S.I. up to a maximum of 25,000 INR under the silver plan variant
  • Covered Up to a maximum of 50,000 INR under gold, diamond and platinum plan variants
What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Oriental Happy Family Floater Policy?

Oriental Happy Family Floater Policy covers daycare procedures.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Oriental Happy Family Floater Policy?

Oriental Happy Family Floater Policy covers OPD charges only under the Platinum plan variant for a maximum of Rs. 5,000/- on a reimbursement basis in a block of every three years.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Oriental Happy Family Floater Policy?

Covid Covered

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Oriental Happy Family Floater Policy?

Oriental Happy Family Floater Policy Plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a percentage that varies from plan to plan.

Coverage status under Oriental Happy Family Floater Policy?

The cumulative Bonus is unavailable under Oriental Happy Family Floater Policy.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy automatic restoration is available under silver and gold plan variants up to 100% of S.I.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Oriental Happy Family Floater Policy?

The daily hospital cash is available under all Oriental Happy Family Floater Policy plan variants except for the silver plan variant at the rate of 0.1% per day maximum of up to 1.5 % of the Sum Insured.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy, organ donor expenses are covered up to SI.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Oriental Happy Family Floater Policy?

Under the Oriental Happy Family Floater Policy Plan Diamond and Platinum variant, maternity expenses are covered up to 2.5% of S.I.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy Plan under the Diamond and Platinum plan variants, the newborn baby cover is available up to 2.5% of S.I.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Oriental Happy Family Floater Policy?

Covered Under Oriental Happy Family Floater Policy up to SI.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Oriental Happy Family Floater Policy?

Under the Oriental Happy Family Floater Policy IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy modern treatments are covered to a maximum of 10% of SI.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy Plan, Ambulance expenses are covered

  • Silver Plan - Per Illness Rs.1000 maximum & Per policy period 1% of Sum Insured, Subject to a maximum Rs.3000.
  • Gold Plan - Per Illness - Rs.2000 maximum & Per policy period 1% of Sum Insured, Subject to maximum Rs.6000.
  • Diamond Plan - Per Illness - Rs.3000 maximum & Per policy period 1% of Sum Insured, Subject to maximum Rs.8000.
  • Platinum Plan - Per Illness - Rs.5000 maximum & Per policy period 1% of Sum Insured, Subject to maximum Rs.15000.
What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy Plan, Air Ambulance is covered only under the platinum plan variant to a maximum of upto 5% of the SI.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Oriental Happy Family Floater Policy?

Under the Oriental Happy Family Floater Policy compassionate plan is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy Global coverage is available as an optional cover.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Oriental Happy Family Floater Policy?

Under the Oriental Happy Family Floater Policy, e-consultation is covered with a sub-limit of a maximum of Rs. 2,000/- per family.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy, a health checkup is not covered.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Oriental Happy Family Floater Policy?

Under the Oriental Happy Family Floater Policy second medical opinion is covered

  • Silver Health Plan - Up to Rs. 5,000 per policy period
  • Gold Health Plan - Up to Rs 10,000 per policy period
  • Diamond Health Plan - Up to Rs. 15,000 per policy period
  • Platinum Health Plan - Up to Rs. 25,000 per policy period
What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Oriental Happy Family Floater Policy?

Under Oriental Happy Family Floater Policy Plan, vaccination expenses are not covered.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Oriental Happy Family Floater Policy?

Applicable only under Oriental Happy Family Floater Policy Silver Plan Variant.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Oriental Happy Family Floater Policy?

Not Applicable under Oriental Happy Family Floater Policy.

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Oriental Happy Family Floater Policy Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Oriental Happy Family Floater Policy are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage After Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 48 months

Listed Ailments 24/48 months

Sample Illustration of Oriental Happy Family Floater Policy

To understand how much premium one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.

Silver Plan

Sum Insured (in Rs.)1 Lakh2 Lakhs3 Lakhs4 Lakhs5 Lakhs
Premium Payable2,115 3,053 3,712 4,180 4,543

Gold Plan

Sum Insured (in Rs.)6 Lakh7 Lakhs8 Lakhs9 Lakhs10 Lakhs
Premium Payable5,2575,8476,4276,8647,255

Diamond Plan

Sum Insured (in Rs.)12 Lakh15 Lakhs18 Lakhs20 Lakhs
Premium Payable8,0449,24410,422 11,199

Platinum Plan

Sum Insured (in Rs.)25 Lakh30 Lakhs40 Lakhs50 Lakhs
Premium Payable13,99314,93215,947 16,674

Oriental Happy Family Floater Policy Benefits

Happy Family Floater Policy offers multiple plan benefits and features enhancing the coverage for policyholders.

Tax Benefits

Get tax relief under section 80D

Discounts

Multiple discount options

Optional Covers

Avail Multiple Cover Options

Air Ambulance Cover

Avail Emergency medical care

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts

Family discounts available up to 60% when adding 2 or more family members under the same policy. Online discounts available up to 10% on online purchase.

Optional Covers

Individuals can avail optional covers that protect policyholders during their international travel. Happy Family Floater Policy can be extended to cover insured lives visiting SAARC (South Asian Association for Regional Cooperation) countries -Afghanistan, Bangladesh, Bhutan, Maldives, Nepal, Pakistan, Sri Lanka at no additional premium charges. Other than this policyholders can also opt for Personal Accident Cover World Wide.

Air Ambulance Cover

Under Happy Family Floater Plan policyholders can avail Air Ambulance cover, costing maximum up to 5% of the sum insured for medical emergencies such as cardio-vascular diseases, accidents and central nervous system related cases.

Explore Oriental Health Insurance

Know more about Oriental Health Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Claim Process

Click to know the claim process of Oriental Health Insurance Company.

Buying Process

Click to know the buying process of Oriental Health Insurance Company.

Contact Us

For any query related to the policy get in touch with the Oriental Health Insurance Company

Renewal Process

Click to know the renewal process of Oriental Health Insurance Company

Explore other Oriental Health Insurance Plans

Oriental Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Oriental Mediclaim Insurance (Individual)

A plan for individuals and families covering domiciliary hospitalization, and daycare treatment. The plan also offers many discounts and other add-on benefits.

Unique Features

  • Option of voluntary co-payment
  • Mental Illness coverage
  • No Medical examination required

Mediclaim Insurance (Individual)(Pros)

  • 10 % Family Discount
  • Daily Hospital Cash
  • Air Ambulance Cover
  • Personal Accident Cover
  • Lifetime Renewals

Mediclaim Insurance (Individual)(Cons)

  • No Suicide Cover
  • Co-Payment in Many Injuries
  • No Alcoholism Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Mediclaim Insurance (Individual)(Other Benefits)

  • Spouse Cover
  • Non-TPA Discount 5.5%
  • 10% Discount on Online Renewal
  • Family Cover
  • Dependent Child Covered

Mediclaim Insurance (Individual)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 10 L to 50 L
  • Waiting Period - 30 Days

Oriental Happy Cash-Nischint Rahein

The policy offers Daily Cash Benefit during hospitalization. It also provides a 25% extra daily cash benefit for female policyholders at no additional premium.

Unique Features

  • Convalescence benefits
  • Lifelong renewal
  • Coverage for AYUSH

Happy Cash-Nischint Rahein (Pros)

  • Daily Cash Benefit
  • Day Care Treatment Cover
  • Parents-in-law Cover
  • Pre-Existing Disease Cover
  • Hospitalization Cover

Happy Cash-Nischint Rahein (Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Happy Cash-Nischint Rahein (Other Benefits)

  • Spouse Cover
  • Inpatient Expenses Cover
  • Acute Condition Cover
  • Ambulance Cover
  • Dependent Child Covered

Happy Cash-Nischint Rahein (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Oriental Aarogya Sanjeevani Policy

Covers hospitalization charges for the individual and family members. It is a standard plan that covers many illnesses and annual medical checkups.

Unique Features

  • All daycare expenses covered
  • Cover parents and parents in law
  • Lifelong renewal with no exit age

Aarogya Sanjeevani Policy(Pros)

  • Domiciliary Expenses Covered
  • 5% Cumulative Bonus
  • Dental surgery Expenses
  • Ambulance Charge Cover
  • 5.5% Non-TPA Discount

Aarogya Sanjeevani Policy(Cons)

  • No Dietary Supplements Cover
  • No War Injury Cover
  • No Biological Injury Cover
  • No Rheumatism Cover
  • No Obesity/Weight Cover

Aarogya Sanjeevani Policy(Other Benefits)

  • Spouse Cover
  • Dependent Child Cover
  • 50% Medical Checkups Covered
  • Daycare Treatment Covered
  • ICU Cover

Aarogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -5 L to 20L
  • Waiting Period - 30 Days

Oriental Jan Arogya Policy

It provides health insurance coverage to the financially constrained sections of society at very nominal premiums ranging between Rs. 50 to 70.

Unique Features

  • Avail benefit up to Rs 5k
  • Domiciliary Hospitalization
  • In-patient hospitalization covered

Oriental Jan Arogya Policy(Pros)

  • Room Expenses Covered
  • Artificial Limbs Covered
  • Dental surgery Expenses
  • Pre-existing condition Cover
  • Maternity Covered

Oriental Jan Arogya Policy(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Jan Arogya Policy(Other Benefits)

  • Pre- Hospitalization
  • Post-Hospitalization
  • Ambulance Cover
  • Cost of Organ Covered
  • Naturopathy Cover

Oriental Jan Arogya Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI -Rs 5000
  • Waiting Period - 30 Days

Oriental Pravasi Bharatiya Bima Yojana

The policy safeguards the Indian emigrant workers who intend to emigrate or have done so. The policy provides a Sum Insured of 10 lacs.

Unique Features

  • Cover against HIV/AIDS
  • Female Maturity benefit
  • Personal Accident Cover

Pravasi Bharatiya Bima Yojana(Pros)

  • Air Ambulance
  • Permanent Disability Cover
  • Dead Body Carriage Expenses
  • Legal Expenses Covered
  • Mental Illness Cover

Pravasi Bharatiya Bima Yojana(Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Pravasi Bharatiya Bima Yojana(Other Benefits)

  • Oral chemotherapy
  • Nursing Expenses
  • Robotic surgeries
  • Deep Brain stimulation
  • AYUSH Cover

Pravasi Bharatiya Bima Yojana(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 60 Years
  • SI - 10 L
  • Waiting Period - 30 Days

Oriental Super Health Top-up

Oriental Super Top-up policy is an add-on policy that is designed to provide coverage to the insured and his family in case their base coverage is exhausted.

Unique Features

  • Advanced surgeries covered
  • No Pre-acceptance till 55 years
  • AYUSH treatment covered

Super Health Top-up (Pros)

  • Organ Donor Benefit
  • Day Care Treatment Cover
  • Room Boarding Expenses
  • Newborn Baby Cover
  • SAARC Countries Cover

Super Health Top-up (Cons)

  • No Suicide Cover
  • No Unproven Treatment Cover
  • No Biological Injury Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Super Health Top-up (Other Benefits)

  • Maternity Cover
  • Nursing Expenses
  • Pre- Hospitalization
  • Post -Hospitalization
  • ICU Charges Covered

Super Health Top-up (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3L to 5L
  • Waiting Period - 30 Days

Oriental Health of Privileged Elders

Designed to offer health insurance coverage to senior citizens aged 60 years and above and comes out with a compulsory co-payment of 20%.

Unique Features

  • Discount on Voluntary Co-payment
  • Loading for new entrants
  • Telemedicine expenses

Health of Privileged Elders(Pros)

  • Domiciliary Expenses Covered
  • Eye Surgery Cover
  • Dental surgery Expenses
  • Parental Chemotherapy Cover
  • Orthopedic Diseases Cover

Health of Privileged Elders(Cons)

  • No Arthritis Cover
  • No Upper Respiratory Cover
  • No Biological Injury Cover
  • NoRheumatism Cover
  • No Obesity/Weight Cover

Health of Privileged Elders(Other Benefits)

  • No Claim Bonus
  • Accidental Injury
  • Knee Replacement
  • Chronic Renal Failure
  • Cancer Charges Covered

Health of Privileged Elders(Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age -NA
  • SI -1 L to 5L
  • Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (E & S)

Coverage for medical expenses of various ailments to the policyholders residing outside of India for study and employment.

Unique Features

  • Accidental cover
  • Mental health cover
  • Permanent Total Disablement

Overseas Mediclaim Policy (E & S)(Pros)

  • Spouse Cover
  • Ambulance Cover
  • Permanent total disablement
  • Air Ticket Covered
  • Serious Injury Covered

Overseas Mediclaim Policy (E & S)(Cons)

  • No Pre Existing Disease Cover
  • No Dental Cover
  • No Cosmetic Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Overseas Mediclaim Policy (E & S)(Other Benefits)

  • Repatriation of Remains
  • Medical Evacuation
  • Legal Coverage
  • Contingency Insurance
  • Medical Expenses Benefits

Overseas Mediclaim Policy (E & S)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - US $ 5,000
  • Waiting Period - 30 Days

Oriental Dengue Kavach Policy

Specially designed to offer coverage on detection of Dengue Fever without any sub-limit/ co-payment. The plan comes with a coverage of up to Rs. 20,000.

Unique Features

  • One premium irrespective of age
  • Family Discount up to 5%
  • Free-look period available

Oriental Dengue Kavach Policy(Pros)

  • Spouse Cover
  • Dependent Child Covered
  • 5% Online Discount
  • Parent In-law Cover
  • No Medical Checkup

Oriental Dengue Kavach Policy(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Dengue Kavach Policy(Other Benefits)

  • Pre- Hospitalization
  • Post-Hospitalization
  • Ambulance Cover
  • Divorced Daughter Cover
  • Easy Claim Processing

Oriental Dengue Kavach Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI -Rs 10000- Rs 20000
  • Waiting Period - 30 Days

Oriental Overseas Mediclaim Policy (B & H)

A combination of travel and health insurance that contains health benefits and offers coverage against loss during travel abroad.

Unique Features

  • Hijack distress allowance
  • Financial Assistance Emergency
  • Flight Delay Allowance

Overseas Mediclaim Policy (B & H)(Pros)

  • Loss of Limb Cover
  • Loss of Eye Covered
  • Permanent total disablement
  • Room Rent Covered
  • Serious Injury Covered

Overseas Mediclaim Policy (B & H)(Cons)

  • No Suicide Cover
  • No Maternity Cover
  • No Dietary Supplement Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Overseas Mediclaim Policy (B & H)(Other Benefits)

  • Repatriation of Remains
  • Medical Evacuation
  • Annual Multi-Trip Insurance
  • Contingency Insurance
  • Medical Expenses Benefits

Overseas Mediclaim Policy (B & H)(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI -NA
  • Waiting Period - 30 Days

Oriental Critical Illness Policy

A plan that covers 22 critical illnesses including kidney and lung failure. The policy covers spouse, dependent child, parents-in-law and unmarried siblings.

Unique Features

  • Personalized Health Advice
  • Two plan options to choose from
  • Coverage of up to 50 Lakhs

Critical Illness Policy(Pros)

  • Open heart replacement Cover
  • Cancer Cover
  • Benign brain tumor Covered
  • Bone marrow transplant
  • Loss of speech Covered

Critical Illness Policy(Cons)

  • No Coronary Syndromes Cover
  • No Other stem-cell transplants
  • No Angioplasty Cover
  • No Angina Pectoris Cover
  • No Coma Cover

Critical Illness Policy(Other Benefits)

  • Permanent paralysis of limbs
  • 10% Buying Online Discount
  • 10% Family Discount
  • Third Degree Burn Covered
  • Loss of Limbs Cover

Critical Illness Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - Upto 20 Lakh
  • Waiting Period - 90 Days

Oriental Mediclaim Insurance Policy (Group)

It is a group health insurance plan that covers hospitalization and maternity expenses. The plan also covers low-claim discounts.

Unique Features

  • Mental Illness Cover
  • HIV Cover
  • Newborn baby expenses

Mediclaim Insurance Policy (Group) (Pros)

  • Diabetes Cover
  • Daily Hospital Cash
  • AYUSH Cover
  • Hernia surgery Cover
  • Psychiatrist Cover

Mediclaim Insurance Policy (Group) (Cons)

  • No Suicide Cover
  • No Gender Change Cover
  • No War Injury Cover
  • No Drug Abuse Cover
  • No Obesity Cover

Mediclaim Insurance Policy (Group) (Other Benefits)

  • Pre- Hospitalization
  • Post- Hospitalization
  • Indemnity Cover
  • Inpatient Cover
  • Daycare procedures Covered

Mediclaim Insurance Policy (Group) (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Oriental Saksham Swatha Policy

The plan includes hospitalization, and Medical Advice. It also covers mental illness and modern treatments.

Unique Features

  • Experimental Treatment
  • Surgical Procedures Cover
  • Accident Injury Cover

Oriental Saksham Swatha Policy(Pros)

  • Day Care Treatment
  • AYUSH Cover
  • Emergency Care
  • Maternity Expenses Covered
  • Cataract Treatment covered

Oriental Saksham Swatha Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Oriental Saksham Swatha Policy(Other Benefits)

  • Newborn Baby Cover
  • ICU Cover
  • OPD Treatment
  • Pre-Existing Disease Covered
  • Customary Charges

Oriental Saksham Swatha Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 4 L to 5L
  • Waiting Period - 30 Days

Oriental Bank Sathi Policy

A plan for people with native bank accounts, includes coverage for pre-existing conditions, assisted reproductive techniques and hospitalization.

Unique Features

  • AYUSH treatment
  • Modern Treatment
  • Mental Illness Cover

Bank Sathi Policy(Pros)

  • Maternity Expenses covered
  • New Born Baby Cover
  • Road Ambulance Cover
  • Maternity Expenses Covered
  • Teleconsultation covered

Bank Sathi Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Bank Sathi Policy(Other Benefits)

  • ICU cover 2% of SI
  • 3 Dependent Child Cover
  • Midterm inclusion allowed
  • Hospital Daily cash
  • Cashless Claim Settlement

Bank Sathi Policy(Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age -70 Years
  • SI - 2 L to 25L
  • Waiting Period - 30 Days

Oriental Cancer Project Policy

A plan specifically designed for the treatment of cancer, Dialysis and post-treatment follow-up. It offers Cancer Care Benefits even in SAARC Countries.

Unique Features

  • Advanced Metastatic Cancer
  • Teleconsultation Expenses
  • Cumulative Bonus

Cancer Project Policy(Pros)

  • Room Rent covered
  • Nursing Expenses Covered
  • Road Ambulance Cover
  • ICU expenses covered
  • Air Ambulance Cover

Cancer Project Policy(Cons)

  • No Suicide Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • No War Injury Cover
  • No Obesity/Weight Cover

Cancer Project Policy(Other Benefits)

  • Emergency Medical Evacuation
  • Organ Donor Expenses
  • OPD Cover
  • Second Medical Opinion Covered
  • Emergency Evacuation Care

Cancer Project Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 5 L to 50L
  • Waiting Period - 75 Days

Oriental Group Arogya Sanjeevani Policy

A standard health insurance plan that covers, hospital room rent (stay and bed charges), ICU services, and even new-age treatments.

Unique Features

  • ICU/ICCU Cover
  • Cataract Surgery
  • 5% Cumulative Bonus

Group Arogya Sanjeevani Policy(Pros)

  • AYUSH Cover
  • Plastic Surgery
  • Dental Cover
  • ICU expenses covered
  • Ambulance Cover

Group Arogya Sanjeevani Policy(Cons)

  • No OPD Cover
  • No Dental Cover
  • No Stem Cell Surgery Cover
  • 2% Room Rent Capping
  • 5% compulsory copayment

Group Arogya Sanjeevani Policy(Other Benefits)

  • Deep Brain Stimulation Cover
  • Stem Cell Therapy Covered
  • Oral Chemotherapy
  • Room Rent Covered
  • COVID-19 Cover

Group Arogya Sanjeevani Policy(Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 10L to 20L
  • Waiting Period - 30 Days

Oriental Personal Accident Policy

This plan is designed to provide you with accidental death and disability coverage, cover for financial support in times of disability.

Unique Features

  • Accidental death coverage
  • Partial and total disability benefit
  • Mortal remains mobility

Personal Accident Policy(Pros)

  • Temporary disability treatment
  • Death coverage benefits to the family
  • Accidental benefits
  • Financial coverage
  • Permanent Partial Disability cover

Personal Accident Policy(Cons)

  • PEDs not covered
  • Adventure sports not covered
  • No Stem Cell Surgery Cover
  • Vaccination not covered
  • COVID-19 care not covered

Personal Accident Policy(Other Benefits)

  • Trusted insurer
  • Accidental treatment benefits up to SI
  • Cashless claim settlement
  • Worldwide accidental cover
  • Optional non-medical cover

Personal Accident Policy(Eligibility Criteria)

  • Entry age - 10 - 80 Years
  • SI - INR 25,000 - 5 Lakhs
  • Policy tenure - 1 Year

Oriental Health Insurance Plans: FAQ's

1. What is the eligibility criteria to purchase Happy Family Floater Policy?

An individual between the age of 18 to 65 years or in some cases 70 years can invest in the Happy Family Floater Policy along with dependent children between the age of 3 months to 25 years.

2. What are the additional benefits a policyholder gets under Happy Family Floater Policy?

Policyholders avail multiple additional benefits under Happy Family Floater Policy such as second medical opinion for major illnesses, organ donor benefit when the insured person is a organ donor, a lump sum payment of 10% of Sum Insured is paid to the insured life. Other benefits include air ambulance, Maternity Cover, e-consultation and more.

3.What are the various plan variants available under Happy Family Floater Policy?

Under Happy Family Floater Policy Indivduals can opt for 4 different plan options namely Silver, Gold, Diamond and Platinum. The following plan variants are available with sum insured options ranging from 1 Lakh to 50 Lakh INR along with various other benefits.

4. What is Geographical extension to SAARC countries under Happy Family Floater Policy?

The benefit allows individuals to avail protection against any unforeseen circumstances when travelling to other SAARC (South Asian Association for Regional Co-operation) countries -Afghanistan, Bangladesh, Bhutan, Maldives, Nepal, Pakistan, Sri Lanka at no additional premium.

5. What is the Personal Accident Cover under Happy Family Floater Policy?

Personal Accident Cover provided in the Happy Family Floater Policy states that if any policyholder sustains any injury anywhere in the world causing death or disability to the insured individual the policy will pay up to 100% of SI to policyholder or their legal nominee.

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Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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