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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: ria1@surekhae.com
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
2.DEFINITIONS:
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.
OR
(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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