Policy Highlights
- 1 Oriental Insurance Happy Family Floater Introduction
- 2 Oriental Insurance Happy Family Floater Eligibility Conditions
- 3 Oriental Insurance Happy Family Floater Key Features
- 4 Oriental Insurance Happy Family Floater Inclusions
- 5 Oriental Insurance Happy Family Floater Exclusions
- 6 Oriental Insurance Happy Family Floater Customer Care
- 7 Assistance:
- 8 Oriental Insurance Happy Family Floater Buying Procedure
- 9 Oriental Insurance Happy Family Floater Claim Procedure
- 10 Oriental Insurance Happy Family Floater Premium Calculator
- 11 Oriental Insurance Happy Family Floater Premium Rates
- 12 Oriental Insurance Happy Family Floater FAQ’s
- 13 Oriental Insurance Happy Family Floater Forms and Documents
- 14 About Oriental Gramin Personal Accident Insurance
- 15 About Oriental Group Mediclaim Policy
- 16 About Oriental Janata Personal Accident Policy
- 17 About Oriental Nagrik Suraksha Policy
- 18 About Oriental Bank Mediclaim Policy
- 19 About PNB – Oriental Royal Mediclaim Policy
- 20 About Oriental Individual Mediclaim Policy
Oriental Insurance Happy Family Floater Introduction
Oriental Insurance Happy Family Floater is a Health Insurance Policy which was introduced by Oriental Insurance Company. Oriental Insurance Happy Family Floater Health Policy covers medical expenses incurred by the entire family under a single sum assured. Family includes Self, Spouse, Children, Parents and Parents in-laws. Oriental Insurance Happy Family Floater Health Policy is available in two plans – Silver plan and Gold plan. Medical expenses incurred due to any illness/ injury/ accident that require hospitalization are covered under this Oriental Insurance Happy Family Floater Health Policy.
Oriental Insurance Happy Family Floater Eligibility Conditions
| Entry Age: |
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| Policy Term: |
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| Sum Assured for Silver plan: |
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| Sum Assured for Gold plan: |
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| Oriental Insurance Happy Family Floater Online Renewal: |
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| Pre-medical check up: |
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Oriental Insurance Happy Family Floater Key Features
- Covers the proposer and his/her family under single sum insured under one policy.
- Sum insured floats over all the beneficiaries under Oriental Insurance Happy Family Floater Health Policy policy.
- Available in two plans Silver plan and Gold plan.
- SILVER Plan is subject to 10% Co-payment.
- GOLD Plan offers an inbuilt cover, daily cash allowance and attendant allowance up to specific limits.
- Oriental Insurance Happy Family Floater Policy covers the hospitalization expenses for the covered diseases or accident up to limits specified.
- Personal Accident cover is offered as Add On Cover under both the covers (Gold and Silver).
- In addition GOLD cover offers add-on cover of life hardship survival benefit.
- Option of TPA ( Third Party Administrator) and non TPA services.
- Discount in premium if TPA services not opted.
- Discount in OMP (Overseas Mediclaim Policy) premium when family floater policy is taken.
- You can avail Tax Benefit under Section 80-D of the Income Tax Act. For more information regarding Income Tax Benefits, visit www.taxqueries.in.
- Ambulance charges:
- Rs.1000 or 1% of Sum Insured in Silver
- Rs.2000 or 1% of Sum Insured in Gold
Oriental Insurance Happy Family Floater Inclusions
- The following reasonable and necessary expenses are covered under Oriental Insurance Happy Family Floater Policy for various benefits:
| A. | HOSPITALIZATION BENEFITS | ||
|---|---|---|---|
| BENEFIT | SILVER PLAN (Limit of Reimbursement) |
GOLD PLAN (Limit of Reimbursement) |
|
| a. | Room, boarding and Nursing Expenses as provided by the Hospital/Nursing Home. | Not exceeding 1% of the Sum Insured per day | Not exceeding 1% of the Sum Insured per day. |
| b. | Intensive Care(IC) Unit Expenses as provided by the Hospital/Nursing Home. | Not exceeding 2% of the Sum Insured per day | Not exceeding 2% of the Sum Insured per day. |
| No of days of stay under a and b above should not exceed total number of days of admission in the hospital. | |||
| c. | Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees | As per the limits of the sum insured | As per the limits of the sum insured. |
| d. | Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Material and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial limbs & similar expenses | As per the limits of the sum insured | As per the limits of the sum insured. |
| e. | Ambulane Services charges | Rs.1000/- per illness and limited to maximum 1% of the sum insured or Rs.3000/- whichever is less,for the entire policy period. | Rs.2000/- per illness and limited to maximum 1% of the sum insured or Rs.6000/- whichever is less,for the entire policy period. |
| f. | Daily Hospital Cash Allowance | NIL. | 0.1% of sum insured per day per illness per illness subject to a maximum compensation for 10 days per illness.The overall liability of the Company during the policy period will be limited to 1.5% of the sum insured |
| g. | Attendant allowance | NIL. | Rs.500/- per day of hospitalization per illness and up to 10 days per illness.The overall liability of the Company during the policy period will be limited to compensation for 15 days of hospitalization. |
| B. | DOMICILIARY HOSPITALIZATION | ||
| a. | Surgeon, Medical Practitioner, Consultants, Specialists Fees, Blood, Oxygen, Surgical Appliances, Medicines & Drugs, Diagnostic Material and Dialysis, Chaemotherapy, Nusing expenses. | 10% of sum Insured,Maximum rs.25000/- during policy period. | Rs.50000/- during policy period. |
| b. | Treatment for Dog bite(or bite of any other rapid animal like monkey,cat etc.) | Reasonable expenses limited up to Rs.5000/- actually incurred for immunisation injections in any one policy | Reasonable expenses limited up to Rs.5000/- actually incurred for immunisation injections in any one policy. |
| NOTE: FOR THE PURPOSE OF THIS SECTION THE PRE_REQUISITE CONDITIONS FOR DOMICILIARY HOSPITALIZATION CLAIM SHALL NOT APPLY | |||
- Add On Covers: Add On Covers are optional, subject to extra premium.
| ITEM | SILVER PLAN | GOLD PLAN | |
|---|---|---|---|
| a. | Personal Accident as defined hereinafter | Sum insured in multiples of Rs.100,000/- and up to Rs.500,000/- per person aged 18 years and above.50% of this limit for persons less than 18 years. | Sum insured in multiples of Rs.200,000/- and up to Rs.10,00,000/- per person aged 18 years and above.50% of this limit for persons less than 18 years. |
| b. | Life Leader Ship Survival Benefit as defined hereinafter | NIL. | Plans Of benefit AS DEFINED HEREINAFTER |
Personal Accident Cover (World Wide):
| Benefit Covered | Description | Amount Payable |
|---|---|---|
| 1. | Accidental Death only | 100% of CSI (capital sum insured) |
| 2. | Loss of Two entire Limbs, or sight of two eyes or one entire limb and sight of one eye | 100% of CSI |
| 3. | Loss of one entire Limb or sight of one eye | 50% of CSI |
| 4. | Permanent Total Disablement resulting in the insured becoming in engaging in any Employment or occupation whatsoever. | 100% of CSI |
Life Leader Ship Survival Benefit:
Diseases covered:
- Cancer-metastasis(Stage-IV)
- End Stage Renal Disease(ESRD)
- Stroke leading to paralysis or paraplegia
| Plan | Total amount Payable | Amount payable on survival for 180 days and above from the date of discharge from the hospital | Amount payable on survival for 270 days and above from the date of discharge from the hospital |
|---|---|---|---|
| A. | 15% of Sum Insured under the policy | 5% of the sum insured | 10% of the sum insured |
| B. | 25% of Sum Insured under the policy | 10% of the sum insured | 15% of the sum insured |
Oriental Insurance Happy Family Floater Exclusions
Exclusions under Oriental Insurance Happy Family Floater Plan are,
- Pre-existing diseases will be covered after waiting period of 4 years of continuous renewal of the policy.
- Initial waiting period of 30 days within which no claim will be admitted except accidental injuries.
- Death/disablement/injury of the insured from,
- Intentional self-injury.
- Suicide or attempted suicide.
- Abuse of intoxicant substance like drugs and alcohol is excluded.
- Directly / indirectly caused by insanity.
- Arising from the insured committing any breach of law with criminal intent etc.
Oriental Insurance Happy Family Floater Customer Care
Assistance:
For any grievance or complaint,
please write to – Mr. Masood Wahab,
Chief Manager,
Customer Service Department, Oriental House, A-25/27,
Asaf Ali Road, New Delhi-110002.
Contact details :
For all query, guidance use Toll free number: 1800 11 8485 Or 011- 33208485 (Normal Charges Apply )
Email:
For complaints/grievance related to insurance policy or claims: csd@orientalinsurance.co.in
For complaints/grievance related to online insurance policy: portal.support@orientalinsurance.co.in
Oriental Insurance Happy Family Floater Buying Procedure
Documents and conditions required to buy Oriental Insurance Happy Family Floater Health Policy are,
- Proposal form and Self declaration form is to be filled in block letters and in duplicate.
- Attach two stamp size photographs of each insured person on the Enrolment form.
- The company will not be on risk until the proposal has been accepted by the company and communication of the acceptance has been given to the proposer in writing on receiving full payment of premium.
- The proposer aged above 45 years of age has to undergo pre health check up through company’s authorised diagnostic centre and cost of such expenses to be borne by him/her.
Oriental Insurance Happy Family Floater Claim Procedure
- Notice of claim should be given to the Company by Fax, Email with particulars relating to Policy Number, ID Card No., Name, Nature of disease etc.
- Claim form along with the medical certificate has to be submitted.
- In case of death claim, following documents should be submitted.
- A death certificate
- Original policy.
- Post Mortem Report.
- Legal heir certificate.
- FIR (First Information Report).
- Police Panchnama.
Oriental Insurance Happy Family Floater Premium Calculator
You can calculate the premium using Oriental Insurance Happy Family Floater premium calculator. Personal details, Policy period, Number of members, Age and Sum assured and other details are required to calculate the premium.
Oriental Insurance Happy Family Floater Premium Rates
Oriental Insurance Happy Family Floater SILVER Plan:
| A. Primary Member Premium | |||||
|---|---|---|---|---|---|
| Sum Insured | Age in Years | ||||
| 21-35 | 36-45 | 46-55 | 56-60 | 61-65 | |
| 100000 | 1320 | 1580 | 2470 | 3520 | 5240 |
| 150000 | 1940 | 2320 | 3640 | 5180 | 7750 |
| 200000 | 2490 | 2980 | 4720 | 6750 | 10110 |
| 250000 | 2980 | 3570 | 5720 | 8210 | 12330 |
| 300000 | 3480 | 4160 | 6730 | 9670 | 14560 |
| 350000 | 3910 | 4670 | 7640 | 11030 | 16640 |
| 400000 | 4340 | 5180 | 8560 | 12380 | 18730 |
| 450000 | 4770 | 5700 | 9480 | 13740 | 20820 |
| 500000 | 5200 | 6210 | 10400 | 15090 | 22900 |
The Entry age limit of the proposer is maximum 55 years
However, continuous renewals will be accepted till the proposer is 65 years old.
| B. Family Member Premium(Per Person) | ||||||||
|---|---|---|---|---|---|---|---|---|
| Sum Insured | Domiciliary Hos limit | Age Band | ||||||
| 3m-20 | 21-35 | 36-45 | 46-55 | 56-60 | 61-70 | above 70 | ||
| 100000 | 10000 | 240 | 260 | 320 | 490 | 700 | 1310 | 1760 |
| 150000 | 15000 | 350 | 390 | 460 | 730 | 1040 | 1940 | 2630 |
| 200000 | 20000 | 450 | 500 | 600 | 940 | 1350 | 2530 | 3450 |
| 250000 | 25000 | 540 | 600 | 710 | 1140 | 1640 | 3080 | 4230 |
| 300000 | 25000 | 630 | 700 | 830 | 1350 | 1930 | 3640 | 5020 |
| 350000 | 25000 | 700 | 780 | 930 | 1530 | 2210 | 4160 | 5750 |
| 400000 | 25000 | 780 | 870 | 1040 | 1710 | 2480 | 4680 | 6490 |
| 450000 | 25000 | 860 | 950 | 1140 | 1900 | 2750 | 5200 | 7230 |
| 500000 | 25000 | 940 | 1040 | 1240 | 2080 | 3020 | 5730 | 7970 |
| C. Personal Accident | |||||
|---|---|---|---|---|---|
| Sum Insured |
100000 | 200000 | 300000 | 400000 | 500000 |
| Premium Per Person | 60 | 120 | 180 | 240 | 300 |
Total premium will be the sum of A and B above. If add-on cover is taken, premium under C is also to be added.
Oriental Insurance Happy Family Floater GOLD PLAN(without add-on covers):
| I. Primary Member Premium | |||||
|---|---|---|---|---|---|
| Sum Insured | Age in Years | ||||
| 21-35 | 36-45 | 46-55 | 56-60 | 61-65 | |
| 600000 | 7140 | 8520 | 14210 | 20600 | 31220 |
| 700000 | 8320 | 9930 | 16570 | 24020 | 36410 |
| 800000 | 9500 | 11340 | 18920 | 27440 | 41600 |
| 900000 | 10670 | 12750 | 21280 | 30860 | 46790 |
| 1000000 | 11850 | 14150 | 23640 | 34280 | 51980 |
| II. Family Member Premium(Per Person) | ||||||||
|---|---|---|---|---|---|---|---|---|
| Sum Insured | Domiciliary Hos limit | Age Band | ||||||
| 3m-20 | 21-35 | 36-45 | 46-55 | 56-60 | 61-70 | above 70 | ||
| 600000 | 50000 | 1290 | 1430 | 1700 | 2840 | 4120 | 7800 | 10860 |
| 700000 | 50000 | 1500 | 1660 | 1990 | 3310 | 4800 | 9100 | 12660 |
| 800000 | 50000 | 1710 | 1900 | 2270 | 3780 | |||
| 900000 | 50000 | 1920 | 2130 | 2550 | 4260 | 6170 | 11700 | 16280 |
| III. Personal Accident | |||||
|---|---|---|---|---|---|
| Sum Insured | 200000 | 400000 | 600000 | 800000 | 1000000 |
| Premium Per Person | 120 | 240 | 360 | 480 | 600 |
For Oriental Insurance Happy Family Floater GOLD PLAN(with add-on covers) Premium rates please refer Oriental Insurance Happy Family Floater Prospectus or Oriental Insurance Happy Family Floater Brochure and Oriental Insurance Happy Family Floater Policy Wording pdf attached below.
Oriental Insurance Happy Family Floater FAQ’s
Can I know indetail about Daily Hospital Cash Allowance?
When an insured of the family is hospitalized and a claim is admitted under the Oriental Insurance Happy Family Floater GOLD plan, then a Daily cash allowance is payable to the insured person.
What is Attendant Allowance?
When an insured of the family aged between three months to 10 years is hospitalized and a claim is admitted under the Oriental Insurance Happy Family Floater GOLD plan, then Attendant Allowance will become payable.
When will the Migration be permitted?
Migration is permitted only if the current policy is an individual mediclaim policy or the Insured is covered under a Group Mediclaim Policy and is valid as on the date of migration. And it is permitted only at the time of renewal of the existing individual mediclaim policy/Group Mediclaim Policy with the Company.
Oriental Insurance Happy Family Floater Forms and Documents
Oriental Insurance Happy Family Floater Claim form
Oriental Insurance Happy Family Floater Proposal Form
Oriental Insurance Happy Family Floater Prospectus
what should be the minimum premium for happy family floater gold plan.
Hello sir,
I am Saurabh Gandhi, DOB: 09/07/1984
My wife Sanika, DOB: 16/09/1990
My son Kashish. DOB: 24/05/2015
My Father. DOB: 16/09/1958
My Mother. DOB: 24/02/1962
Please send me RS.500000 quatation, silver plan and gold plan on my mail id.
Pls. send me floater Plan of 4 lac with premium to my Email id:-
Yogesh kumar DOB 05/09/1982
Neetu Sharma DOB 14/02/1989
Prakshit Sharma DOB 12/01/2011
FOR NEW HEALTH MIDICLAM POLICY REQ………
What is the maximum age of the primary person to be enter for family floater mediclaim health insurance policy . Is it 80 or 70 years.?
Hello sir,
I am ANIL DOB: 15/06/1984
My wife Sanika, DOB: 05/09/1987
My son Kashish. DOB: 20/05/201
Please send me RS.100000 quatation, silver plan and gold plan on my mail id.
Hi,
I wan to enroll my family for Happy Family Floater Policy.Kindly send me quatation for 5lac and 10lac(Gold and Silver)
My age:36Years
Wife age:25Years
Son:2years
Parents:Both are above 60years
my name is sagar dhumal and i am insurance advisor in Oriental Insurance and my contact no is 9167378026
i help any work about Insurance so pls call me i will help u
otherwise give me misscall i will call u
Sir, I have renewed my previous policy no 131101/48/2015/3889, renewed under Happy Family Floater policy.
I have query that old policy no.is not mentioned in new policy since it is continue renewal. > please note that problem or query should not arise regarding previous policy not mentioned in renewed policy in future if any claim is made.
please guide and confirm that continuation is enforce in new poilcy no. 131101/48/2016/4265
pls note that I am renewing my policy since more than 15 years.
Waiting for your confirmation
Regards,
Mahesania Mob: 9920716085
Mayur Adhikari D.O.B. 11.12.1960
Anasuya Adhikari D.O.B. – 2103.1963( wife)
Nachiketa Adhikari – D.O.B. 22.08.1991 (son)
Shubhra Adhikari – D.O.B. 23.08.2001 (daughter)
Please send me RS.500000 quatation, silver plan and gold plan on my mail id.
4 adult candidate and 1child best police at present .police amounts and benefits
hi ,This is Sajjad Niyazi
want to have plan of five members of my family,suggests best one….
pls call me
I am SOURABH agrawal, DOB: 09/07/1993
My brother, DOB: 16/09/1991
My Father. DOB: 17/03/1962
My Mother. DOB: 24/02/1962
Please send me RS.500000 quatation, silver plan on my mail id
I have Oriental insurance Family floater Silver plan ( Total 4 members) for last 5 years ( SI – 5 Lakhs).. Is there health check up plan after 4 years of policy renewal. If yes, what is the procedure and the cash limit of the check up? Reply on my e-mail I’d.
I am
BIKASH CHANDRA ROY, DOB- 02/04/1961
My wife SOBHA , DOB -02/07/1961
My son RUPAK, DOB- 07/07/1995
My Son SHAMI, DOB-05/12/1997
Please send me Rs 500000 lack quatation silver plan and gold plan on my email id.
Hello sir,
I am Amit C Kanpara , DOB: 01/01/1985
My wife Heena, DOB: 28/02/1991
My son Jyot. DOB: 19/03/2012
My Father. DOB: 24/12/1955
My Mother. DOB: 15/06/1958
Please send me RS.200000 quatation, silver plan and gold plan on my mail id.or My Mob No. 09228751652
Reply
i have to renew my happy family floator silver plan please tell me the premium amount
Hi
Pls. send me floater Plan of 4 lac with premium to my Email id:-
I m Dhaval Age :32
My Wife hitali Age : 29
My Father Kaushikbhai Age : 57
My Mother Ritaben : Age : 55
I have already Individiul policy of oriental insurance co Ltd of 100000/-
age
sunil shah 48
jyoti shah 42
Chintan shah 16
jayaben shah 73
can i convert this policy from individiul to floter.pl suggest me & its Premium
Please send me premium chart of Individual & flotter on my email id
Hello sir,
I am samrat mitra, DOB: 13/07/1988
My wife soniya mitra, DOB: 22/07/1989
Please send me RS.500000 quatation, silver plan and gold plan on my mail id.
We HV the family floater policy no 121800/48/2016/269 for RS 700000 we want to increase RS.800000/
So let us if it is possible so how much
willbe the premium
The DOB of my parents.mywife and mine is as below.
FATHER DOB 21/07/1944.
MOTHERDOB21081951
WIFESDOB 19/08/1984
MINE DOB 08/02/1982
REGARDS
HITEN
PS PLS LET ME URGENTLY AS THE ABOBE POLICIY IS EXPIRING BY NEXT WEEK
.
quatation for my family me ,my wife and my daughter
PL. LET ME KNOW THE PREMIUM OF MY FAMILY FOR RS.3,00,000/- FLOATER POLICY.
SELF AGE- 57
SPOUSE AGE- 44
DOUGHTER AGE- 15
SON AGE- 06
Preves police premium & renewal policy premium is same or different pl. Send
sir i went mediclaim policy
Hello sir
My dob 11 Dec 1987
My wife dob 31 Jan 1989
My father dob 02 01 1959
My mother dob 11 05 1961
Please send flaoter plan rs 500000 on my email id
Hello sir,
I am Arpan Mandal DOB: 16/07/1982
My wife Priyanka Mandal DOB: 09/03/1990
My Daughter Ahana Mandal DOB: 05/04/2016
Please send me RS.100000 and Rs. 200000 quotation, silver plan on my mail id.
Hello sir,
I am Naveen Rastogi, DOB: 29/09/1980
My wife DOB: 11/06/1983
My daughter DOB: 09/04/2013
Please send me quotation for sum insured of Rs. 200000 for silver plan and gold plan both on my email id.
thanking you with regards
Hello sir,
I am Mohan, DOB: Jan 1970
My wife DOB: 09/1976
My son DOB: 05/1999
Please send me for Rs 300000 & 500000 quatation, silver plan and gold plan of family helth plans on my mail id.
Hello sir,
I am Manali Mahesh Ghadigaonkar, DOB: 02/06/1976
My Husband Mahesh, DOB: 01/01/1973
My son Yash. DOB: 15/01/2001
Please send me RS.200000 quatation, silver plan and gold plan on my mail id.
If I have a Family Floater Medical Insurance, and I stay abroad on visitor visa for six months, shall i get extension of insurance for same eriod
Hello sir,
I am Money, DOB: 10/11/1985
My wife Monika, DOB: 01/04/1985
Please send me Rs. 500000/- quotation, silver plan and gold plan on my mail id.
Hello sir please can you send me the Family Floater SILVER Plan & Gold Plan for 4 lac rupees.
My father Ramkrishna DOB 24/08/1956
My mother Pooja DOB 01/06/1963
Myself Priyanka DOB 03/06/1995
My sister Pallavi DOB 24/04/1998