Family Floater Mediclaim Plan

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Happy Family Floater Health Policy offered by Oriental Insurance covers medical expenditures incurred by the whole family under a single sum assured. The family comprises of Self, Spouse, Children, Parents, and Parents-in-laws. There are two plans available in Family Floater Silver and Gold. With this plan, you can claim for medical costs owing to any ailment/ injury/ accident that necessitates hospitalization.

Features of the policy

1. NEW FEATURES IN THE POLICY

i. Extension (on request) to SAARC countries without any additional premium.
ii. Diamond Plan introduced- Sum Insured Rs.12lacs to Rs.20lacs
iii. Organ Donor Benefit- When Insured Person is the donor
iv. Medical Second Opinion -Reimbursement
 v.  Maternity Expenses Cover
vi. New Born Baby Cover
vii. Life Hardship Survival Benefit under all Plans*
viii. Restoration of Sum Insured*
ix. Increase in Day Care Procedure List


2. OTHER SALIENT FEATURES AT A GLANCE

i. Sum Insured from Rs.2lacs to Rs.20lacs. Existing Insured Persons covered for Rs.1lac Sum
   Insured may continue with the same. Those existing Insured Persons covered for Sum
   Insured of Rs.1.5lacs, may also opt for Sum Insured of Rs.1lac.
ii. Three Plans available– SILVER ,GOLD and DIAMOND
iii. A floater policy covering the proposer and his / her family under one Sum Insured under one Policy.
iv. Maximum Entry Age is 65years for all members. However, this can be extended to 70years      subject to conditions.
v. Under Silver and Gold Plans, Pre-acceptance medical check-up is required for persons aged 60  years and above. However, under Diamond Plan, the requirement is for persons aged 55years and above.
vi. Term of the Policy is one year and is renewable lifelong.
vii. Pre-existing Disease coverage after four consecutive Policy periods.
viii. Option of TPA (Cashless facility in network hospitals) and non TPA services.
ix. Personal Accident cover as optional cover*
 x.  Free Look Period
xi. Discount of 5.5% in premium if TPA services not opted for (no discount on PA premium).
xii. A discount of 5% on premium is allowed, if the Policy is purchased On-line and no Intermediary is involved. This discount is also applicable in case of On-line renewal of Policies, where no Intermediary was involved at any stage- either on the first purchase or in any subsequent renewal thereof.




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