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Family Floater Health Insurance Products in India (for your entire family)
 
Policy information of health insurance products for families including comparison rates, policy language, coverage etc.
(1) What is the Concept of Family Floater?   (2) Introduction: Family Floater Health Insurance in India
(3) Coverage & Exclusion under Family Floater Insurance India   (4) Family Floater Premium Comparative Chart
(5) Comparison of Family Floater Policies in India   (6) Policy Wording /Proposal Form/ Brochure
(7) Family Floater Coverage   (9) Health Insurance -Below Poverity Line(BPL) Families
 
a- Apollo Munich Insurance b- National Insurance
(8) Product details of Various Companies for Family Floater Insurance
 
General/Health Insurance Companies Products
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Life Insurance Companies Products
 
 
 
 
 
 
 
   5- Comparison of Family Floater Health Insurance Policies in India with Various Parameter
Family Floater - 2 Adults - (Age 34, Sum Insured Rs. 5 Lakhs)
Companies/Parameters Apollo Munich ICICI Lombard Max Bupa  National Insurance New India Assurance Oriental Insurance Reliance General Star Health
Sum Insured 500,000 400,000 (Max SI Limit) 500,000 500,000 500,000 500,000 500,000 500,000
Name of Policy Easy Health Standatd Family Floater Ins. Family Floater Health Insurance Heartbeat Gold Health Plan PARIVAR-Mediclaim for Family   Silver plan Reliance Health Wise Policy (Silver Plan) Star Family Health Optima Insurance Plan
Premium (including service tax) 7,690 6,854 14,887 7,102 8,736 6,883 12,477 6,530
Renewal upto what age No Limit 70 yrs No limit 70 yrs No Limit 65 yrs upto 60 60 yrs
Cooling Off Period (days) 30 days 30 days 90 days (All medical & accidental emergencies are covered form day 1) 30 days 30 days 30 days 30 days 30 days
Exclusion till no. of yrs  Pls refer to the policy documents Refer to the policy documents Up to 90 days upto 2 yrs or Pls refer to the policy documents 2 yrs 2 yrs Pls refer to the policy documents 1 or 2 yrs
Pre-existing diseases (cover after yr) 3 Yrs 4 yrs Upto 4 yrs 4 Yrs 4 yrs 4 yrs 2 yrs upto 2 yrs
Cashless facility & Network of hospitals Yes Yes Yes Yes Yes Yes Yes Yes
Ambulance Charges upto Rs. 2000 Covered Covered upto SI in Network hospitals. Max Limit of Rs. 2000 in case of Out of network hospitals cover but limit NM Covered Covered Rs. 750 Rs. 750 per hospitalization
Room & Boarding Expenses No Limit No Limit Single Private Room
(No Limit)
1% of SI 1% of SI 1% of SI 1% of SI 2% of SI
Accidental Cover Covered Covered Covered Covered Covered Covered Covered Covered
No Claim Bonus / Cumulative Bonus 10% 5% Vouchers for 10% of renewal premium NA NA NA NA NA
No Claim Discount NA 5% NA NA NA 5% 5% 10%
Free Health Checkup Upto 1% Covered Annual (No Limit)  Covered NA NA Covered Covered
Pre-hospitalization (days) 30 30 up to 30 days 15 30 30 60 upto 30 days 
Post-hospitalization (days) 60 60 60 days 30 60 60 90 upto 7% of the hospitalisation expenses
Maternity Cover     2 Years          
New Born Baby NA NA From Day 1 NA NA NA NA NA
Child Vaccinations NA NA Upto 1 Year NA NA NA NA NA
Cost of Medical Tests     Born by Max Bupa          
Co Payment     No Co-Payment for Out of Network Hospitals          
Entry Age 18 yrs to 60 yrs 5 yrs to 60 yrs No Limit 35 yrs to 60 yrs 3months to 70 yrs 21 yrs to 55 yrs 3 months to 65 yrs 5 months to 60 yrs
Free Look Period     15 Days (after reciept of policy)          
Critical Illness     After 90 Days          
Renewal Grace Period     30 Days          
Exclusive Relationship Manager     Call would be given by Relationship Manager (MBBS Doctors)          
Note : Updated on April,2010
(Premium - Including Service Tax 10.30%
NA = Not Available
NM = Not Mentioned
Max Bupa Premium Rates : Region National Capital & Bengaluru
For more information/clarification : Pls refer to the policy documents.
 
 
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