Oriental health insurance family floater policy is issued for a period of one year and it offers two plans -
Silver plan 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.
Gold plan 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.
Oriental Health Insurance - Eligibility
The Entry age limit of the proposer is maximum 55years
Continuous renewals will be accepted till the proposer is 65years old.
Oriental Health Insurance - 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
