Oriental Happy Cash Health Insurance Wordings

Yes, different types of discounts are offered under this Happy Cash Plan which are as follows:
a. Family discount of 5% on the premium is offered if two members are covered and 7.5% is given if more than 2 members are covered.
b. Loyalty discount of 10% in premium is available for people who during the inception of this policy are covered under Oriental’s health insurance policy (retail or bank-tie-up).
c. Staff discount of 33% on the premium is available to the employees of Oriental Insurance Company Ltd.
d. TPA discount - 5.5% of discount is given if TPA services are not opted for.

Generally, different insured persons, under a policy, may opt for different Daily Cash Benefits such as Rs. 500, Rs. 1000, Rs. 2000, and Rs. 3000. For females, this Daily Cash Benefit automatically gets increased by 25% without any extra premium.

The Policy provides 3 options of deductible - no deductible, 1 day & 2 days deductible. The deductible is applicable per event.

Yes, this policy gives a free look period to its customers. The free look period is applicable at the inception of the fresh policy and the insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the insurance plan if not acceptable.