Oriental Insurance Introduce New Floater Mediclaim Insurance Policy

* Our Happy Family Floater aspires to protect you against escalating medical cost and supports you in creating a healthy tomorrow for yourself and your near-ones.It is an extensive cover for medical expenses of illness and accidents requiring in patient hospitalization. Optional covers are available for Personal Accident (Worldwide). In addition, an add-on benefit of "Life hardship Survival" can be availed for certain critical diseases. * The Happy Family Floater is available in Silver and Gold variants. The cover amount ranges from Rs. 1- 10 lacs.
Key Benefits of Happy Family Floater:
* Wide coverage for the whole family (Self and Spouse, dependent, unemployed children below 25 years of Age, unmarried/divorced/widowed daughter and dependent parents-in-law.* Start with a smaller Sum Insured and increase it over the years as per your requirement (subject to policy conditions). * Tax relief under section 80 D of the Income Tax act. * Medical Check-up is required only for insured aged 60 years and above. * Use your Happy Family floater ID card at more than 5000 Hospitals and avail cashless treatment (only on hospitalization) no more hassles of arranging money when you need it most. * Pre-existing diseases covered from the fourth consecutive renewal.. Visit Mediclaim Floater Here.
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What is the added feature or service that I can avail through United HealthGroup which are different from that of SOS International?

Our tie-up will give all our travellers access to United Healthcare’s network of hospitals & physicians. This also means that when you avail services from a hospital under the United HealthGroup network, you do not have to pay any extra charges. The services that we provide through our third-party administrator SOS International is claims assistance be it medical or non-medical to be availed worldwide. Register your claims with our third-party administrator SOS International who will in turn direct you the nearest United HealthGroup hospital/physician in your locality wherein you can receive treatment.
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What is the difference between SOS International and United HealthGroup?

United HeathGroup is the leading health care services provider in the US. This tie-up will give all our travellers access to United Healthcare’s network of hospitals & physicians However, for registering any claims – medical or non-medical, you need to call our third party administrator – SOS International toll Free at 1 866 625 8529. They are the assistance service provider who will settle your claims abroad on our behalf.
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Do you have tie up with United HealthGroup?

Yes. We have allied with UnitedHealth Group (UHG), one of the largest health care companies in the US. This tie-up will give all our travelers access to United Healthcare’s network of hospitals & physicians
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Will I get refund if I cancel my policy?

The policy bought online will be cancelled and the amount refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire
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How long does it take to receive the policy papers once I purchase the policy online?

The hard copy of the policy will reach you within 7 working days. However, you can buy online within 15 minutes and take print out of the policy instantly. This works as a legally valid document, even at the time of claims, as all you need to have is your passport details and policy number.
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What is a TPA?

TPA stands for Third Party Administrator. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims
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Why do I need Travel Insurance?

One usually travels abroad for two reasons- a pleasure trip or a business trip. You do not want anything to ruin your hard earned holiday or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Overseas Travel Insurance protects you from all such perils. It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency.
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What does the Student Medical Insurance Plus Plan offer?

Student Medical Insurance Plus Plan is an add-on cover to fulfill the various criteria of universities abroad. It covers treatment for mental and nervous disorders, including alcoholism and drug dependency, in-patient medical expenses related to pregnancy, medical expenses for inter-collegiate sports injuries, cancer screening & mammography examinations and childcare benefits.
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I'm covered by NHS (National Health Service) for my study in UK. Do I still need Health insurance?

If you are not entitled to free NHS treatment, you should make sure you have adequate medical insurance to cover medical costs if you fall ill, and also to cover the additional possible costs resulting from illness. These can be substantial, and include
lost fees if you are unable to complete your course
costs of returning home if a relative is ill
costs of a relative visiting you in the UK if you fall ill
cost of returning to your home country for treatment
or in the worst possible situation, returning a body home for burial.Even if you are entitled to free NHS treatment whilst in the UK, you should consider taking out insurance which covers the above additional costs. Moreover, even if you are covered by the NHS for medical treatment, you may find that there are long waiting times for some services. An insurance policy which gives you access to private medical care could give you much quicker access to the treatment you need.
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What if I want to extend my student insurance policy cover?

Student Medical Insurance is now available with a continous cover for 2 years, thereby covering your entire period of study without extension hassles. You may also opt for the regular 1 year policy and then extend if required to the second year. You can extend your policy three months in advance of expiry.
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