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HEALTH INSURANCE
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Oriental

TPA Information

Happy Family Floater

Synopsis:

Happy Family Floater health insurance policy covers medical expenses incurred by the entire family under a single sum assured. Family includes self, spouse, children, parents and parent-in-laws

Highlight:

  • Mediclaim insurance cover for treatment against illnesses
  • Also Covers for accidental injuries and surgery requirement
  • No medical tests required up to 60 Years of Age
  • Cash allowance for the days admitted
  • Attendance allowance if a child between 3 months to 10 years is admitted
  • Add on option of Personal accident for self and dependents
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

Title
Description
Room Rent Limit
Up to 1% of sum insured
ICU Daily Rent Limit
Up to 2% of sum insured
Pre-Hospitalization Expenses
30 days
Post Hospitalization Expenses
60 days
Minimum Hospitalization Period
24 Hrs
Day Care Procedure Coverage
Yes
Pre-Existing Disease / Illness coverage
After 48 months
Waiting Period for New Policy
30 days
Co-Payment
Up to 10% of admissible claim
Ambulance Expenses
Up to 1000 per illness, max 1% or 3000
Donor Expenses
Yes
Nursing Allowance
Up to 1% of sum insured per day
No Claim Discount
Up to 5% on premium each claim free year max 20%
No Claim Bonus
Yes, Upto 500000 of sum insured
 
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