Family Floater Health Plan - Introduction

For the first time in India, one single policy takes care of the hospitalisation expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.Click here to know how the plan works.

New! - Special offer - Avail complete health check-up absolutely free!
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Toll Free: 1800 22 5800 (BSNL / MTNL)
Others: 022 66754472 (STD/Local Charges apply)

Policy Coverage

The policy covers medical expenses:

• Incurred as an inpatient during hospitalisation for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines, etc.
• 30 days prior to hospitalisation.
• 60 days post hospitalisation.
• Day Care expenses incurred on advanced technological
  surgeries and procedures like Dialysis, Radiotherapy, and Chemotherapy, requiring less than 24 hours of hospitalisation.
• Pre-existing disease can be covered after the 4th year provided the policy is renewed with us for four consecutive years.

Click here to view the Premium Table.

Key Benefits

• One Policy – One Premium for the entire family. The floater health plan covers your entire family under one policy with one sum insured and one premium. This takes care of hospitalisation expenses in case of a sudden illness, accident or planned surgery of the entire family.
• Income Tax benefit under Section 80D.Click here to know more about Tax Benefit.
• 5% discount on premium for every claim free year.
• No health check up required upto the age of 45 years (as on last birthday).
• Medical checkup mandatory for insured of age 46 years and above.Click here for Medical Test Details.
• Hassle free claims procedure.
• Cashless claim facility available at over4,500 network cashless hospitals across India.

Additional Benefits:

• Up to 2-year Cover- We offer a continuous 2-year protection with no increase in premium in the second year. This one time payment of premium for 2 years takes care of your renewal hassels next year. Option for 1 year cover also available.
• Single Policy- Single document, single premium, and single date to track. No need for separate policy for family members.

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Eligibility

• The enrolment age (of the senior most family member) should be between 19 years to 60 years.
• Other members in the plan can be less than 19 years of age (i.e. up to 91 days).
• The insured child aged between 91 days to 5 years must be accompanied by at least 1 Adult Member.
• The policy cover is renewable till the age of 70 years.
• The customer can buy the policy for any family member(s).
• For the purpose of income tax exemption u/s Sec. 80D, the policy should be bought only for self, spouse, dependent children and dependent parents.

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Policy Exclusions

All health policies have following set of temporary and permanent exclusions:

30 Days exclusion
Medical charges incurred, except those arising out of accidental injuries, within the first 30 days from the start date of the policy are not covered. This clause does not apply for subsequent renewal (without a break) of this policy with us.

2 Years exclusions
Expenses incurred on treatment of following diseases within the first two years from the start date of the policy are not covered:

• Cataract
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy unless because of malignancy
• Hernia, Hydrocele
• Fistula in Anus, Piles
• Arthritis, Gout, Rheumatism
• Joint replacement, unless due to accident
• Sinusitis and related disorders
• Stone in the urinary and biliary systems
• Dilatation & Curettage
• Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids
• Dialysis required for chronic renal failure
• Surgery on tonsils and sinuses
• Gastric and duodenal ulcers

These above diseases are covered from third year, if the policy is renewed with us for two consecutive years (4 years, if these are pre-existing diseases at the time of inception of the policy).

Permanent

• Any internal congenital illness.
• Non-allopathic treatment, pregnancy and childbirth related diseases, cosmetic, aesthetic and obesity related treatment.
• Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury.
• War, riots, strike, terrorism acts, nuclear weapon induced treatment.

Family Floater Product Code: Misc 34E

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