| 8- Oriental Insurance Company Limited - Family Floater Policy Wording |
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| Source: Website of The Oriental Insurance Company Limited |
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4.EXCLUSIONS: The Company shall not be liable to make any payment under this policy in respect of any expenses whatsoever incurred by any Insured Person in connection with or in respect of: |
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4.1 Pre-existing health condition or disease or ailment/ injuries: Any ailment/ disease/ injuries/ health condition which are pre-existing (treated/ untreated, declared/ not declared in the proposal form), in case of any of the insured person of the family, when the cover incepts for the first time, are excluded for such insured person upto 4 years of this policy being in force continuously. |
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| For the purpose of applying this condition, the date of inception of the policy taken from the Company, for each insured person of the family, shall be considered, provided the renewals have been continuous and without any break in period. |
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| This exclusion will also apply to any complications arising from pre existing ailments/ diseases/ injuries. Such complications shall be considered as a part of the pre existing health condition or disease. To illustrate if a person is suffering from hypertension or diabetes or both hypertension and diabetes at the time of taking the policy, then policy shall be subject to following exclusions. |
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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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4.2 Expenses 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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