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Individual Mediclaim Policy
Oriental Individual Mediclaim by Oriental Health Insurance is an affordable health insurance policy designed to cover all your medical expe…
- Family discount
- Voluntary co-payment
- Daily hospital cash
Oriental Health Insurance
Oriental Happy Family Floater Policy
The Oriental Happy Family Floater Policy is a versatile health plan wi ...Read More
Up to 2 Crores
Sum insured
1
No. of plans
1,000+
Pan India presence
91.62%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,700 reviews
🏥 4,000+ hospitals
📊 -1.03 solvency ratio
✅ 91.62% claim settlement
About Oriental Happy Family Floater Policy
A quick read on what this Oriental Health Insurance plan covers and why it might be a fit for you.
Oriental Family Floater Policy offers versatile coverage options to its policyholders. Oriental Health Insurance designed the plan to align with different family dynamics in India.
With four different plan options, namely, Silver, Gold, Diamond, and Platinum, the Happy Family Floater Policy offers high sum insured options ranging from ₹1 Lakh to ₹50 Lakhs. The Happy Family Floater Policy offers multiple optional covers for enhanced protection for policyholders, such as geographical protection in SAARC countries. This allows the insured individual to be covered when traveling abroad to any of the SAARC (South Asian Association for Regional Cooperation) countries: Afghanistan, Bangladesh, Bhutan, Maldives, Nepal, Pakistan, and Sri Lanka. Additionally, policyholders can avail features like hospitalization cover, automatic restoration, worldwide personal accident cover, and more.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹15 L, ₹18 L, ₹30 L, ₹40 L, ₹50 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1 Year
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Domiciliary hospitalization
- Pre and post-hospitalization
- Newborn baby expenses
Cons
- Illegal activities
- Alcoholism and drug abuse
- Obesity
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Covered
- AYUSH treatment Covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Oriental Health Insurance
This video talks about Oriental Health Insurance in detail. It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.
Benefits of Oriental Happy Family Floater Policy
-
Tax Benefits
The amount paid towards the premium of this plan is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
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Discounts
Family discounts are available up to 60% when adding two or more family members under the same policy. Online discounts are available up to 10% on online purchases.
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Optional Covers
Individuals can avail of optional covers that protect policyholders during their international travel. The 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, and Sri Lanka—at no additional premium charges. Policyholders can also opt for Worldwide Personal Accident Cover.
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Air Ambulance Cover
Under the Happy Family Floater Plan, policyholders can avail of Air Ambulance cover, costing a maximum of up to 5% of the sum insured for medical emergencies such as cardiovascular diseases, accidents, and central nervous system-related cases.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under the Oriental Happy Family Floater Policy are:
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and Abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a certain period. Read the details below:
- Listed ailments after 24/48 Months
- Pre-existing diseases after 48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial waiting period: 30 days
- Sum Insured: Up to 50 Lakhs
Other features & benefits
- Tele consultation
- Telemedicine
- Accidental death benefit
Oriental Happy Family Floater Policy: FAQs
The 5 most-asked questions about Oriental Happy Family Floater Policy, answered.
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.
Policyholders avail of multiple additional benefits under the Happy Family Floater Policy such as second medical opinion for major illnesses, organ donor benefit when the insured person is an organ donor, and a lump sum payment of 10% of the Sum Insured is paid to the insured life. Other benefits include air ambulance, Maternity Cover, e-consultation, and more.
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.
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.
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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