Oriental Happy Cash Policy

What is the Plan all About?

Oriental happy cash policy provides daily cash benefit to the insured or insured’s family in the event of hospitalization to cater to the incidental expenses which takes a toll on the insured’s pocket. To safeguard the non medical expenses, this policy is a perfect fit.

Key Features

Assures you against incidental expenses
Avail Family discount on premium
Avail loyalty discount on premium
Staff discount on premium

Policy Benefits

Daily Cash Benefit is payable for every completed 24 hours of hospitalization, for a maximum period of 30/60 days per illness as hospitalization benefit.
Convalescence Benefit is paidas a fixed lump sum amount in addition to the daily cash benefit for a Hospitalisation beyond 30 / 60 consecutive days.

Value Added Benefits

Increased daily Cash Benefit is granted for females with no extra premium.
Multiple types of discounts can be availed, which will make the premium small and cost effective.

Sub Limits

The Policy provides 4 variants of Daily Cash Benefit- Rs.500 Rs.1000, Rs.2000 and Rs.3000.

Waiting Period Clause

Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
Specific Waiting Period: The waiting period of specific treatments as mentioned in the policy contract range from 1 year to 2 years of consecutive coverage.
Pre existing Disease Waiting Period: Silver variant of this plan has a waiting period of 48 months years to cover pre existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	18 Years	Not Specified
Daily Cash Benefit	Rs 500	Rs 3,000
Cover Type	Individual	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-