Mediclaim Family Floater

Happy Family Floater Mediclaim Policy:

* Our Oriental Insurance’s Happy Family Floater aspires to protect you against escalating medical cost and supports you in creating a healthy tomorrow for yourself and your near-ones.It is an extensive cover for medical expenses of illness and accidents requiring in patient hospitalization. Optional covers are available for Personal Accident (Worldwide). In addition, an add-on benefit of “Life hardship Survival” can be availed for certain critical diseases in Oriental Insurance Flotter Insurance Policy.
* The Happy Family Floater is available in Silver and Gold variants. The cover amount ranges from Rs. 1- 10 lacs.
Key Benefits of Happy Family Floater:

* Wide coverage for the whole family (Self and Spouse, dependent, unemployed children below 25 years of Age, unmarried/divorced/widowed daughter and dependent parents-in-law.
* Start with a smaller Sum Insured and increase it over the years as per your requirement (subject to policy conditions).
* Tax relief under section 80 D of the Income Tax act.
* Medical Check-up is required only for insured aged 60 years and above.
* Use your Happy Family floater ID card at more than 5000 Hospitals and avail cashless treatment (only on hospitalization) no more hassles of arranging money when you need it most.
* Pre-existing diseases covered from the fourth consecutive renewal..

Eligibility:

The proposer is to be aged between 21 and 55 years for the first entry in the policy. The cover can be renewed till the proposer reaches 65 years of age, with no limit on the age of the dependents. The Cover is available for a minimum of 2 members.

Key Exclusions and Limitations:

Any pre-existing diseases and conditions shall be excluded for the first four years.

All treatments within the first 30 days of cover except any accidental external injuries will be excluded.

Treatments related to pregnancy & child birth, dental procedures & congential diseases will be excluded.

Types of Oriental Floater Policy:

• Silver Plan (For Sum assured between 1 to 5 Lakhs)

A.     Primary Member Premium

Sum insured	Dom. Hosp.	21-35	36-45	46-55	56-60	61-65
1,00,000	10000	1320	1580	2470	3520	5240
2,00,000	20000	2490	2980	4720	6750	10110
3,00,000	25000	3480	4160	6730	9670	14560
4,00,000	25000	4340	5180	8560	12380	18730
5,00,000	25000	5200	6210	10400	15090	22900

 B.     Family Member Premium (Per Person)

Sum insured	3 month -20 year	21-35	36-45	46-55	56-60	61-70
1,00,000	240	260	320	490	700	1310
2,00,000	450	500	600	940	1350	2530
3,00,000	630	700	830	1350	1930	3640
4,00,000	780	870	1040	1710	2480	4680
5,00,000	940	1040	1240	2080	3020	5730

 C.     Personal Accident ( Optional/ Add-on Covers)

Sum insured	100000	200000	300000	400000	500000
Premium	60	120	180	240	300

Entry Limit of the Proposer must be between 21 to 55 Years. ( Minimum 2 Person Required)

• Gold Plan(For Sum assured above 5 Lakhs)

A.     Primary Member Premium

Sum insured	21-35	36-45	46-55	56-60	61-65
6,00,000	7140	8520	14210	20600	31220
6,00,000	8320	9930	16570	24020	36410
8,00,000	9500	11340	18920	27440	41600
9,00,000	10670	12750	21280	30860	46790
10,00,000	11850	14150	23640	34280	51980

 B.     Family Member Premium (Per Person)

Sum insured	3 month -20 year	21-35	36-45	46-60	56-60	61-70	Above 70
6,00,000	1290	1430	1700	2840	4120	7800	10860
6,00,000	1500	1660	1990	3310	4800	9100	12660
8,00,000	1710	1900	2270	3780	5490	10400	14470
9,00,000	1920	2130	2550	4260	6170	11700	16280
10,00,000	2130	2370	2830	4730	6860	13000	18080

FAQ’s on Happy Family Floater Health Insurance click here.

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