| 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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| Diabetes |
Hypertension |
Diabetes & Hypertension |
| Diabetic Retinopathy |
Cerebro Vascular accident |
Diabetic Retinopathy |
| Diabetic Nephropathy |
Hypertensive Nephropathy |
Diabetic Nephropathy |
| Diabetic Foot /wound |
Internal Bleed/ Haemorrhages |
Diabetic Foot |
| Diabetic Angiopathy |
Coronary Artery Disease |
Diabetic Angiopathy |
| Diabetic Neuropathy |
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Diabetic Neuropathy |
| Hyper / Hypoglycaemic shocks |
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Hyper / Hypoglycaemic shocks |
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Coronary Artery Disease |
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Cerebro Vascular accident |
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Hypertension Nephropathy |
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Internal Bleeds/ Haemorrhages |
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| 4.2Expenses incurred on any disease, except as specified under point 4.3, contracted by the Insured person during the first 30 days from the commencement date of the policy except treatment for accidental external injuries. |
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| 4.3The 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. |
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| 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. |
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| 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 |
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| If the continuity of the renewal is not maintained with the Company then subsequent cover SHALL be treated as fresh policy and clauses 4.1., 4.2, 4 .3 SHALL apply unless agreed by the Company and suitable endorsement passed on the policy. Similarly if the sum insured is enhanced subsequent to the inception of the policy, the exclusions 4.1, 4.2 and 4.3 will apply afresh for the enhanced portion of the sum insured for the purpose of this section. |
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