Age Limit: – Any person aged between 5 months to 60 years residing in India can take this  Insurance.

Family Includes: – Proposer, Spouse, dependent children up to 25 years, those who are  economically dependent on their parents.

Discount: – A discount of 10% on Premium is allowed on renewal of the policy if there is no  claim in the immediately preceding year of the policy. This discount is not cumulative.

Policy Benefits

• Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding charges as per policy conditions.
• Nursing expenses
• Surgeon’s fees, Consultant’s fees, Anesthetist’s and Specialist’s fees
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period

Exclusions: -

• Expenses for the treatment of any illness/ disease/condition which is pre-existing
• Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy
• First Two Years Exclusions : Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident), Prolapse of intervertebral disc(other than caused by accident),varicose veins and varicose ulcers
• First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders,congenital internal disease/defects, removal of gallstones and renal stone
• Naturopathy treatment
• Expenses which are purely diagnostic in nature with no positive existence of any disease
• Expenses incurred for non-allopathic treatment
• Treatment of external Congenital disease/defects/anomalies
• Expenses which are mainly cosmetic in nature.

* 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

 B.     Family Member Premium (Per Person)

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

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

 B.     Family Member Premium (Per Person)

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

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