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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email:
Family Floater Health Insurance Products in India (for your entire family)
(1) What is the Concept of Family Floater in health insurance?   (2) Introduction Family Floater Health Insurance
(3) Coverage & Exclusion under Family Floater Policies   (4) Family Floater Premium Comparative Chart
(5) Comparison of Family Floater Policies   (6) Policy Wording/ Proposal Form/ Brochure
(7) Family Floater Insurance Health from Companies   (8) Health Insurance Below Poverity Line (BPL) Families
General/ Health Insurance Companies Products
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7- Family Floater Coverage - Easy Health Family Floater Insurance Plan from Apollo Munich
Source : Website of Apollo Munich Insurance Company Limited
  • Typical clinical symptoms (neurological abnormalities) of demyelination manifested as an impairment of motor & sensory functions.
  • The diagnosis must establish that the Insured Person has exhibited these clinical symptoms (neurological abnormalities) that have existed for a continuous period of at least 6 calendar months or at least 2 clinically documented episodes at least 30 days apart.
  • Characteristic findings in the cerebrospinal fluid as well as specific cerebral MRI lesions.
Total and irreversible loss of use of two or more limbs through paralysis due to Accident or Illness of the spinal cord. These conditions must be medically documented by a specialist Medical Practitioner for at least 90 days.
Excluded is:
Paralysis due to Guillain-Barré-Syndrome
Excluded are:
Transient ischemic attacks (TIA)
Traumatic injury of the brain
Neurological symptoms due to migraine
5. Dependents means only the family members listed below:
  • Your legally married spouse as long as she continues to be married to You;
  • Your children Aged between 91 days and 21 years if they are unmarried, still financially dependant on You and have not established their own independent households;
  • Your natural parents or parents that have legally adopted You, provided that:
  • The parent was below 60 years at his initial participation in the Easy Health Individual Health Insurance Plan or Easy Health Family Floater Insurance Plan, and
  • Parents shall not include Your spouse’s parents.
6. Family Floater means a Policy described as such in the Schedule whereunder You and Your Dependents named in the Schedule are insured under this Policy as at the Commencement Date. The Sum Insured for a Family Floater means the sum shown in the Schedule which represents Our maximum liability for any and all claims made by You and/or all of Your Dependents during the Policy Period.
7. Hospital means any institution in India (including nursing homes) established for Medical Treatment which:
Either:has been registered and licensed as a hospital with the appropriate local or other authorities competent to register hospitals in the relevant area and is under the constant supervision of a Medical Practitioner and is not, except incidentally, a clinic, rest home, or convalescent home for the addicted, detoxification centre, sanatorium, home for the aged, mentally disturbed, remodelling clinic or similar institution.
Or (i) is under the constant supervision of a Medical Practitioner,
(ii) has fully qualified nursing staff (that hold a certificate issued by a recognised nursing council) under its employment in constant attendance , and
(iii) maintains daily records of each of its patients, and
(iv) has at least 10 Inpatient beds, and
(v) has a fully equipped and functioning operation theatre.
8.Hospitalisation or Hospitalised means the Insured Person’s admission into a Hospital for Medically necessary Treatment as an inpatient for a continuous period of at least 24 hours following an Illness or Accident occurring during the Policy Period.
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