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Family Floater Policy

Oriental health insurance family floater policy is issued for a period of one year and it offers two plans


Eligibility


Coverage Benefits

The following reasonable and necessary expenses (subject to limits) are payable under the policy for various benefits:

BENEFIT SILVER PLAN
(Limit of Reimbursement)
GOLD PLAN
(Limit of Reimbursement)
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
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.
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees As per the limits of the sum insured As per the limits of the sum insured
Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Material and XRay, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & and similar expenses As per the limits of the sum insured As per the limits of the sum insured
Ambulance services charges Rs.1,000/- per illness and limited to maximum 1% of the sum insured or Rs.3,000/- whichever is less, for the entire policy period Rs.2,000/- per illness and limited to maximum 1% of the sum insured or Rs.6,000/- whichever is less, for the entire policy period
DAILY HOSPITAL CASH ALLOWANCE NIL 0.1% of sum insured per day 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
Attendant allowance NIL Rs.500/- per day of hospitalisation per illness and upto 10 days per illness. The overall liability of the Company during the policy period will be limited to compensation for 15 days of hospitalisation
DOMICILIARY HOSPITALISATION
Surgeon, Medical Practitioner, Consultants, Specialists Fees, Blood, Oxygen, Surgical Appliances, Medicines & Drugs, Diagnostic Material and Dialysis, Chaemotherapy, Nursing expenses 10% of Sum Insured, Maximum Rs.25000/- during policy period Rs.50000/-,during policy period
Treatment for Dog bite (or bite of any other rabid animal like monkey, cat etc.) Reasonable expenses limited upto Rs.5,000/- actually incurred for immunisation injections in any one policy Reasonable expenses limited upto Rs.5,000/- actually incurred for immunisation injections in any one policy

ADD ON Covers (OPTIONAL,SUBJECT TO EXTRA PREMIUM)


Benefits Silver Plan Gold Plan
Personal Accident Sum insured in multiples of Rs.1,00,000/- and upto Rs.5,00,000/- per person aged 18 years and above . 50% of this limit for persons less than 18 years Sum Insured in multiples of Rs.2,00,000/-, and upto Rs.10,00,000/- per person aged 18 years and above. 50% of this limit for persons less than 18 years
Life Hardship Survival NIL Plans of benefit AS DEFINED HEREINAFTER

For Benefit Defenitions, please click Oriental Medical Insurance