| 8- Family Floater Coverage -Oriental Insurance Company Limited - Policy Wording |
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THE ORIENTAL INSURANCE COMPANY LIMITED,
Regd. Office: Oriental House, P.B. No. 7037, A-25/27, Asaf Ali Road, New Delhi- 110 002 |
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| 11. QUALITY OF TREATMENT : The insured hereby acknowledges and agrees that payment of any claim by or on behalf of the insurer shall not constitute on part of the insurance company a guarantee or assurance as to the quality or effectiveness of any medical treatment obtained by the insured person, it being agreed and recognized by the policy holder that insurer is not in any way responsible or liable for the availability or quality of any services (Medical or otherwise) rendered by any institution (including a network hospital) whether pre-authorized or not. |
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| 12.ID CARD: The card issued to the insured person by the TPA to avail cash less facility in the Network Hospital only. Upon the cancellation or non renewal of this policy, all ID cards shall immediately be returned to the TPA at the policy holder’s expense and the policy holder and each insured person agrees to hold and keep harmless, the insurer and the TPA against any or all costs, expenses, liabilities and claims (whether justified or not) arising in respect of the actual or alleged use, misuse of such ID cards prior to their return. |
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| 13.MEDICLAIM WITH Overseas Mediclaim Policy: |
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| In case where THE WHOLE FAMILY covered under THE FAMILY FLOATER Policy goes abroad by taking Oriental’s Overseas Mediclaim Policy his / her FAMILY FLOATER Policy becomes suspended for the period he / she is abroad. |
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| AND may be extended by number of days, the insured FAMILY was abroad subject to written request being made by the insured before leaving India. THE EXTENSION WOULD NOT BE APPLICABLE UNLESS THE ENTIRE FAMILY TAKES THE OVERSEAS MEDICLAIM POLICY FROM THE COMPANY. |
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| DISCOUNT ON OMP PREMIUM : |
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| A DISCOUNT OF 15% ON Overseas Mediclaim Policy PREMIUM WOULD BE ALLOWED WHEN EVEN A SINGLE FAMILY member COVERED under the Happy Family Floater Policy, TAKES THE Overseas Mediclaim Policy FROM the Company, provided the happy family floater policy is valid as on the date of taking the Overseas Mediclaim Policy of the Company.
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| 14.IRDA REGULATION NO 5: This policy is subject to regulation 5 of IRDA (Protection of Policy Holder interest) regulation. |
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