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Oriental Insurance Happy Family Floater Policy

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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:
  • Minimum: 3 Months
  • Maximum: 70 Years
Policy Term:
  • 1 Year
Sum Assured for Silver plan:
  • Minimum: 1 Lakh
  • Maximum: 5 Lakhs
Sum Assured for Gold plan:
  • Minimum: 6 Lakhs
  • Maximum: 10 Lakhs
Oriental Insurance Happy Family Floater Online Renewal:
  • You can renew your policy through online  by just entering your previous policy number, Insured Code and Policy expiry date.
Pre-medical check up:
  • Not Required for persons up to the age of 60 years.

Oriental Insurance Happy Family Floater Key Features

Oriental Insurance Happy Family Floater feature

  • 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,

  1. Proposal form and Self declaration form is to be filled in block letters and in duplicate.
  2. Attach two stamp size photographs of each insured person on the Enrolment form.
  3. 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.
  4. 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

About Oriental Gramin Personal Accident Insurance

About Oriental Group Mediclaim Policy

About Oriental Janata Personal Accident Policy

About Oriental Nagrik Suraksha Policy

About Oriental Bank Mediclaim Policy

About PNB – Oriental Royal Mediclaim Policy

About Oriental Individual Mediclaim Policy

Comments

  2. 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.

    Reply

  3. 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

    Reply

  5. 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.?

    Reply

  6. 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.

    Reply

  7. 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

    Reply

  8. 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

    Reply

  9. 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

    Reply

  10. 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.

    Reply

  14. 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

    Reply

  15. 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.

    Reply

  16. 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.

    Reply

  17. 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

    Reply

  19. 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

    Reply

  20. 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

    Reply

  22. 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.

    Reply

  23. 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

    .

    Reply

  25. 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

    Reply

  28. 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

    Reply

  29. 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.

    Reply

  30. 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

    Reply

  31. 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.

    Reply

  32. 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.

    Reply

  33. 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

    Reply

  34. 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.

    Reply

  35. 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

    Reply

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