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Family Floater Health Insurance Products in India (for your entire family)
 
(1) What is the Concept of Family Floater in health insurance?   (2) Introduction Family Floater Health Insurance
(3) Coverage & Exclusion under Family Floater Policies   (4) Family Floater Premium Comparative Chart
(5) Comparison of Family Floater Policies   (6) Policy Wording/ Proposal Form/ Brochure
(7) Family Floater Insurance Health from Companies   (8) Health Insurance Below Poverity Line (BPL) Families
 
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8- Oriental Insurance Company Limited - Family Floater Policy Wording
Source: Website of The Oriental Insurance Company Limited
4.3
The expenses on treatment of following ailment/ diseases/ surgeries for the specified periods are not payable if contracted and/ or manifested during the currency of the policy.
If these diseases are pre-existing at the time of proposal the exclusion no 4.1 for pre-existing condition SHALL be applicable in such cases.
i Benign ENT disorders and surgeries i.e. Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty etc. 1 year
ii Polycystic ovarian diseases 1 year
iii Surgery of hernia 2 years
iv Surgery of hydrocele 2 years
v Non infective Arthritis 2 years
vi Undescendent Testes. 2 years
vii Cataract. 2 years
viii Surgery of benign prostatic hypertrophy 2 years
ix Hysterectomy for menorrhagia or fibromyoma or myomectomy or prolapse of uterus. 2 years
x Fissure/ Fistula in anus. 2 years
xi Piles 2 years
xii Sinusitis and related disorders. 2 years
xiii Surgery of gallbladder and bile duct excluding malignancy 2 years
xiv Surgery of genito- urinary system excluding malignancy. 2 years
xv Pilonidal Sinus. 2 years
xvi Gout and Rheumatism. 2 years
xvii Hypertension. 2 years
xviii Diabetes. 2 years
xix Calculus diseases. 2 years
xx Surgery for prolapsed inter vertebral disk unless arising from accident. 2 years
xxi Surgery of varicose veins and varicose ulcers. 2 years
xxii Joint Replacement due to Degenerative condition 4 years
xxiii Age related osteoarthritis and Osteoporosis. 4 years
 
4.4
Injury or disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations (whether war be declared or not) or by nuclear weapons/ materials.
4.5
Circumcision (unless necessary for treatment of a disease not excluded under the policy or as may be necessitated due to any accident), vaccination, inoculation, cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness.
4.6
Surgery for correction of eye sight, cost of spectacles, contact lenses, hearing aids etc.
4.7
Any dental treatment or surgery, unless arising from injury and which requires hospitalisation, which is corrective, cosmetic or of aesthetic in nature, filling of cavity, root canal treatment including treatment for wear and tear etc
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