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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email:
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
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8- Oriental Insurance Company Limited - Family Floater Policy Wording
Source: Website of The Oriental Insurance Company Limited
2.1 HOSPITAL/ NURSING HOME: means any institution in India established for indoor care and treatment of sickness and injuries and which either
(a) Is duly licensed and registered as a Hospital or Nursing Home with the appropriate authorities and is under the supervision of a registered and qualified Medical Practitioner.
(b) In areas where licensing and registration facilities with appropriate authorities are not available, the institution must be one recognised in locality as Hospital/ Nursing Home and should comply with minimum criteria as under
  • It should have at least 15 in-patient medical beds in case of Metro cities, A Class cities & B class cities or 10 in- patient medical beds in case of “C class” cities. Classification of cities shall be as per Govt of India Notifications issued in this respect from time to time.
  • Should have fully equipped and engaged in providing Medical and Surgical facilities along with Diagnostic facilities i.e. Pathological test and X-ray, E.C.G. etc for the care and treatment of injured or sick persons as in-patient.
  • Should have fully equipped operation theatre of its own, wherever surgical operations are carried out.
  • Should have fully qualified Doctor(s) under its employment for 24 (twenty four) hours.
  • Should have fully qualified nursing staff under its employment 24 (twenty four) hours.
The term ‘Hospital/ Nursing Home’ shall not include an establishment which is a place of rest and/ or recuperation, a place for the aged persons, a rehabilitation centre for drug addicts or alcoholics, a hotel or a similar place.
Note: In case of Ayurvedic/ Homeopathic/ Unani treatment, the liability of the Company SHALL be restricted to 10% of the Sum Insured for the entire policy period for the family as a whole if the treatment is taken in hospitals other than Government hospitals and Medical college hospitals.
2.2 Surgical Operation means manual and/ or operative procedures for correction of deformities/ defects and injuries, cure of diseases, relief of suffering and prolongation of life.
2.3 HOSPITALISATION PERIOD: Expenses on Hospitalisation are admissible only if hospitalisation is for a minimum period of 24 (twenty four) hours.However,
(A)This time limit SHALL not apply to following specific treatments taken in the Network Hospital/ Nursing Home where the Insured is discharged on the same day. Such treatment SHALL be considered to be taken under Hospitalisation Benefit.
  • Dialysis (haemo dialysis, Peritoneal dialysis)
  • Parental Chemotherapy (injectible)
  • Radiotherapy,
  • Eye Surgery,
  • Lithotripsy (kidney stone removal),
  • Tonsillectomy,
  • Dilation and Curettage (D&C)
  • Dental surgery following an accident
  • Hysterectomy
  • Coronary Angioplasty
  • Coronary Angiography
  • Surgery of Gall bladder, Pancreas and bile duct
  • Surgery of Hernia
  • Surgery of Hydrocele
  • Surgery of Prostrate
  • Gastrointestinal Surgery
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