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Oriental Insurance

Oriental Insurance

Happy Family Floater Gold: Expensive and lacking comprehensive features like restoration benefits, making it less appealing for families who may have multiple claims in a year.

What We Like

This section highlights the strengths and benefits of Happy Family Floater Policy Gold policy by Oriental Insurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You most likely don't have to split the bill

No Co-Payment: The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. If...

You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

Full coverage even if you are forced to hospitalize at home

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

What We Don't Like

This section addresses the limitations and drawbacks of Happy Family Floater Policy Gold policy by Oriental Insurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

No Bonus for being healthy and not claiming insurance

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Your insurer doesn’t provide free health check-ups

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

Long waiting period for pre-existing diseases

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

No Bonus for being healthy and not claiming insurance

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Your insurer doesn’t provide free health check-ups

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

Long waiting period for pre-existing diseases

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

Your insurer doesn’t provide free health check-ups

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

Long waiting period for pre-existing diseases

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

Long waiting period for pre-existing diseases

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

Long waiting period for pre-existing diseases

Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Happy Family Floater Policy Gold in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Gold Plan is available for families, covering all members including children aged 3 months and above.

Yes, pre-existing conditions are covered after a waiting period of 36 months.

Yes, the plan includes maternity benefits after a waiting period of 3 years.

Yes, the plan offers a No Claim Bonus where the sum insured increases by 10% for each claim-free year, up to a maximum of 50%.

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