Eligibility Criteria and basic features of OIC’s Happy Family Floater Policy:-  Any person of age 18 years and above can take this policy covering themself and all other family   members as given below:-                                        

a) Legally wedded spouse

b) Depended children ( i.e. naturally and legally adopted) between the ages of 91 days to 18 years. However, a male child can be covered up to the age of 25   years if he is a bona fide regular student and financially dependent on the proposer. A Female child can be covered until she gets married. Divorced and   widowed daughters, are also eligible for coverage under the policy, irrespective of age. If the child above 18 years is financially independent or if the girl child   is married, he or she shall be ineligible for coverage in the subsequent renewals.

c) Parents / Parents-in-law (either of them).

d) Unmarried siblings, if financially dependent.

 Main Features of the Policy:-

 Four plans available:- Silver Plan,    Gold Plan,    Diamond Plan,    Platinum Plan

Sum Insured Rs. 1 lac to 50 lac.

The Maximum Entry Age is 65 years for all members. However, this can be extended to 70 years subject to certain conditions.

Lifelong renewable facility.

Coverage of pre-existing Disease after four consecutive Policy periods.

Option of TPA (Cashless facility in-network hospitals) and non-TPA services.

Option of Personal Accident cover

Coverage of Maternity Expenses under the Diamond and Platinum plan

Coverage of New Born Baby under Diamond and Platinum plan

Expenses incurred on dental treatment and Plastic surgery – necessitated due to disease or injury.

Modern treatment methods and Advancements in technology- up to a specified amount.

Coverage of pre and post-hospitalization expenses.

Restoration of the Sum Insured

Reproduction Treatment