You need health cover regardless of what you take two at a time - pills or stairs.
  • Oriental Happy Family Floater Insurance Plan

    This is a family floater plan wherein the insured and his/her immediate family members are covered under a single policy. The plans are available in two varieties – Gold and Silver. The policy offers flexibility in terms of sum insured and add-on to help you get the most out of it. Family is defined as self, spouse, children, and parents and parents-in-law.

    Key features and benefits:

    • Single sum insured that floats over all family members covered under the policy.
    • Cover for room, nursing and boarding expenses up to 1% of sum insured per day.
    • Cover for ICU expenses up to 2% of sum insured per day.
    • Surgeon, practitioner, specialist etc. fees are covered, along with ambulance services.
    • No pre-policy medical check-ups for applicants up to 60 years old.
    • Coverage of pre-existing diseases after 4th consecutive policy renewal.
    • Silver plan offers sum insured between Rs.1 lac and Rs.5 lacs, subject to 10% co-pay.
    • Gold plan offers sum insured between Rs.6 lacs and Rs.10 lacs.
    • Daily cash allowance and attendant allowance available for Gold plans, subject to maximum amounts.
    • Hospitalization expenses covered for specific duration.
    • Cashless hospitalization in network hospitals.
    • Option to add Personal Accident cover with both Gold and Silver plan, while Life Hardship Survival benefit can be added only on Gold plans.
    • Option to choose between TPA (Third-party administrator) and non TPA services. Discount of 5% on premium is applicable if TPA services are not chosen.

    Tax benefits:

    Customers can claim tax deductions on the premium payments made in a year. The deductions are available under Section 80D of the Income Tax Act, 1961. Individuals can claim a maximum deduction of Rs.25,000 in a year on health insurance premiums, while senior citizens can claim deductions up to Rs.30,000 in a fiscal year.

    Eligibility:

    • Applicants should be an Indian resident citizens over 18 years and less than 60 years of age.
    • Family members include policyholder, his/her spouse, children and parents and parents in law.

    Exclusions:

    • Pre-existing diseases covered from 4th year of policy renewal onwards.
    • Life hardship benefit applicable for 180 or 270 days of survival after discharge.
    • Ailments such as AIDS and mental illnesses.

    Renewal:

    • Policy renewal option is applicable for all customers, subject to approval from the insurer.
    • Renewal can be done online or through any of the registered offices of the Oriental Insurance Company Ltd.

    Other Plans from Oriental Health Insurance

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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