Family Health Guard
Health InsurancePopular
Sum assured
Rs 10 L
Premium / yr
Rs 18,000
Term
1 yrs
Entry age
0–70
About this plan
Complete family health protection with maternity cover, newborn care, and no room rent limit. One policy for the whole family.
What's included
Key highlights
- Family floater
- Maternity cover
- No sub-limits
Features
- Family floater plan
- Maternity cover
- Newborn cover
- No room rent limit
- Annual health checkup
- No claim bonus
Eligibility & term
- Entry age
- 0 – 70 years
- Policy term
- 1 year (renewable)
Coverage breakdown
HospitalizationUp to Rs 10 lakh
OPDUp to Rs 15,000
MaternityUp to Rs 50,000
Newborn coverUp to Rs 25,000
No room rent limitUnlimited
Health checkupAnnual
No-claim bonus10% per year
DentalAccident only
Loan & liquidity
- Grace period
- 15 days for renewal
Waiting periods
- Pre-existing diseases
- 3 years
- Specific procedures
- 2 years
- Maternity
- 9 months
Pros & cons
Pros
- Family floater - one policy covers entire family
- Maternity AND newborn cover included (rare in Nepal)
- NO room rent sub-limit
- Annual health checkup included
- No-claim bonus rewards healthy years
- Backed by Indian parent with 68+ years experience
Cons
- Highest premium among health plans (Rs 18,000/yr)
- 3-year waiting for pre-existing conditions
- Limited branch network in remote areas
- Complex claim documentation for maternity
What affects your premium
- Age of oldest member
- Family size
- Coverage amount
- Previous claim history
- Pre-existing conditions
How to claim
- 1Cashless: Pre-authorization at network hospital
- 2Reimbursement: Submit within 30 days of discharge
- 3For maternity: Pre-approval required
- 4Settlement within 21 days
Network
- Network hospitals
- 35
- Coverage area
- Nepal + India network
Best for
Families with childrenExpecting parentsComprehensive coverage seekersPremium plan seekers
What's not covered
- Pre-existing diseases (first 3 years)
- Cosmetic surgery
- Self-inflicted injuries
- War and nuclear perils
- Experimental treatments
Other plans from The Oriental Insurance Company
Premium / yr
Rs 18,000