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Oriental Insurance

Oriental Insurance

Plain Vanilla Policy: With a modest cover, this economical policy doesn't offer many benefits. You'll have to share hospital bills and wait 4 years before covering pre-existing diseases like diabetes.

What We Like

This section highlights the strengths and benefits of Happy Family Floater Policy Silver 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 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 ...

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...

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...

What We Don't Like

This section addresses the limitations and drawbacks of Happy Family Floater Policy Silver 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.

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 ...

You will have to pay a portion of the bill

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

90% Co-Payment: The policy will only cover 90% of the final bill. The rest is on you. This is called a co-payment.

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

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...

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...

You will have to pay a portion of the bill

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

90% Co-Payment: The policy will only cover 90% of the final bill. The rest is on you. This is called a co-payment.

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

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...

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...

Long waiting period for pre-existing diseases

90% Co-Payment: The policy will only cover 90% of the final bill. The rest is on you. This is called a co-payment.

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

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...

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...

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

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...

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...

No Bonus for being healthy and not claiming insurance

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...

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...

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...

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 Silver in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Silver 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 coverage for outpatient consultations and diagnostic tests.

The plan includes wellness benefits such as health check-ups, access to fitness programs, and nutritional counseling.

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