| 8- Oriental Insurance Company Limited - Family Floater Policy Wording |
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| Source: Website of The Oriental Insurance Company Limited |
- Genital Surgery
- Surgery of Nose
- Surgery of throat and ear
- Surgery of Appendix
- Surgery of Urinary System
- Treatment of fractures/ dislocation excluding hair line fracture, Contracture releases and minor reconstructive procedures of limbs which otherwise require hospitalisation
- Arthroscopic Knee surgery
- Laproscopic therapeutic surgeries
- Any surgery under General Anaesthesia
- Any such disease/ procedure agreed by TPA/ Company before treatment
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| (B) Further if the treatment/ procedure/ surgeries of above diseases/ bodily inuries are carried out, in Network specialised Day Care Centre which is fully equipped with advanced technology and specialised infrastructure where the insured is discharged on the same day, the requirement of minimum beds SHALL be overlooked provided following conditions are complied with. |
- The operation theatre is fully equipped for the surgical operation required in respect of the above diseases.
- Day Care nursing staff is fully qualified.
- The doctor performing the surgery or procedure as well as post operative attending doctors should be fully qualified for the specific surgery/ procedure.
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| (C) Other than the treatments mentioned under 2.3 (A), the condition of minimum 24 hours Hospitalisation SHALL also not apply provided |
- The treatment is such that it necessitates hospitalisation and the procedure involves specialised infrastructural facilities available only in hospitals,
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| or |
- Surgical procedure involved has to be done under General Anaesthesia.
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| but |
| Due to technological advances hospitalisation in either of the case is required for less than 24 (twenty four) hours. |
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