Oriental Happy Family Floater Insurance Policy

Family floater insurance policy gives you the ability to get a single insurance for an entire family. Family floater health insurance take away the pain of managing health insurances for each person in you family.
Happy Family Floater Health Insurance from United India Insurance Company 

• This is a Health Insurance Policy. 
• Floater‐Implies single Sum Insured for entire family.
• Family includes‐Self , Spouse, Children, Parents and Parents in laws.
• Available in two plans Silver and Gold
• Available in two plans‐Silver and Gold.

Links

• Happy family Floater Presentation
• Happy Family Floater Prospectus
• Oriental Insurance Website

Salient Features Of The Policy:

• A floater covering the proposer and his / her family under one sum insured under one policy.
• The sum insured floats over all the beneficiaries under the policy.
• No medical examination for persons upto the age of 60 years.
• Pre-existing conditions cover after four consecutive renewals with the Company.
• Coverage under two options – SILVER and GOLD Covers.
• SILVER offers sum insured slabs of 1 to 5 lacs
• SILVER is subject to 10% Co-pay
• GOLD offers sum insured slabs of 6 to 10 lacs.
• Policy covers the hospitalisation expenses for the covered diseases / accident upto specific limits.
• GOLD plan offers as an inbuilt cover daily cash allowance and attendant allowance upto limits specified.
• Personal Accident cover is offered as add on cover under both the covers. In addition GOLD cover offers add on cover of life hardship survival benefit.
• Discount in OMP premium when family floater policy is taken.
• Option of TPA and non TPA services.
• Discount in premium if TPA services not opted.

Coverage Under The Policy

The following reasonable and necessary expenses (subject to limits) are payable under the policy for various benefits:
	HOSPITALISATION BENEFITS BENEFIT SILVER PLAN (Limit of Reimbursement ) GOLD PLAN (Limit of Reimbursement) (a) 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. (b) 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. No of days of stay under a and b above should not exceed total number of days of admission in the hospital. (c) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees As per the limits of the sum insured. As per the limits of the sum insured. (d) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Material and X-Ray, 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. (e) Ambulance services charges as defined hereinafter under Rs.1,000/- per illness andlimited 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. (f) DAILY HOSPITAL CASH ALLOWANCE, AS DEFINED HEREINAFTER under 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. (g) Attendant allowance as hereinafter defined under 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.

 

Premium

SILVER Plan:
	A.PRIMARY MEMBER PREMIUM Sum Insured Domiciliary Hos limit AGE BAND 21-35 36-45 46-55 100000 10000 1320 1580 2470 150000 15000 1940 2320 3640 200000 20000 2490 2980 4720 250000 25000 2980 3570 5720 300000 25000 3480 4160 6730 350000 25000 3910 4670 7640 400000 25000 4340 5180 8560 450000 25000 4770 5700 9480 500000 25000 5200 6210 10400
	B.FAMILY MEMBER PREMIUM (PER PERSON) Sum Insured Domiciliary Hos limit AGE BAND 3m-20 21-35 36-45 46-55 56-60 61-70 above70 100000 10000 240 260 320 490 700 1310 1760 150000 15000 350 390 460 730 1040 1940 2630 200000 20000 450 500 600 940 1350 2530 3450 250000 25000 540 600 710 1140 1640 3080 4230 300000 25000 630 700 830 1350 1930 3640 5020 350000 25000 700 780 930 1530 2210 4160 5750 400000 25000 780 870 1040 1710 2480 4680 6490 450000 25000 860 950 1140 1900 2750 5200 7230 500000 25000 940 1040 1240 2080 3020 5730 7970
	C. PERSONAL ACCIDENT Sum Insured 100000 200000 300000 400000 500000 PREMIUM PER PERSON 60 120 180 240 300
Total premium will be the sum of A and B above. If add on cover is taken, premium under C is also to be added.
	GOLD Plan (without add on covers) A. PRIMARY MEMBER PREMIUM Sum Insured Domiciliary Hos limit AGE BAND 21-35 36-45 46-55 600000 50000 7140 8520 14210 700000 50000 8320 9930 16570 800000 50000 9500 11340 18920 900000 50000 10670 12750 21280 1000000 50000 11850 14150 23640

B. FAMILY MEMBER PREMIUM (PER PERSON) Sum Insured Domiciliary Hos limit AGE BAND 3m-20 21-35 36-45 46-55 56-60 61-70 above70 600000 50000 1290 1430 1700 2840 4120 7800 10860 700000 50000 1500 1660 1990 3310 4800 9100 12660 800000 50000 1710 1900 2270 3780 5490 10400 14470 900000 50000 1920 2130 2550 4260 6170 11700 16280 1000000 50000 2130 2370 2830 4730 6860 13000 18080
Total premium will be the sum of A and B.