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Family Floater Health Insurance Products in India (for your entire family)
 
(1) What is the Concept of Family Floater?   (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 Health Insurance Products from Companies   (8) Health Insurance Below Poverity Line (BPL) Families
 
General/ Health Insurance Companies Products
Life Insurance Companies Products
3- Coverage & Exclusion Under Family Floater Insurance Policies
WHAT HEALTH INSURANCE POLICY COVERS IN INDIA
Health Insurance Covers hospitalization when a patient is in hospital for more than 24 hours due to:
  • Illness
  • Accident
  • Surgery requirement
  • Symptoms, when diagnosis is been done According to the Document of Cholamandalam MS General Insurance the costs covered are
  1. Room, Boarding Expenses in Hospital/Nursing Home
  2. Nursing Expenses, intensive care unit expenses,
  3. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees
  4. Anesthesia
    1. Blood Oxygen,
    2. Operation Theater Charges,
    3. Surgical Appliances, Medicines,
    4. Drugs,
    5. Diagnostic Materials,
    6. X-ray,
    7. Dialysis,
    8. Chemotherapy,
    9. Radiotherapy,
    10. Pacemaker cost,
    11. Artificial Limbs,
    12. Cost of Organs.
  5. Pre-Hospitalization Expenses
  6. Post-Hospitalization Expenses
  7. General Health and Eye Examination (Optional with extra premium)
  8. Local Ambulance Services (Optional with extra premium)
  9. Hospital Daily Allowance (Optional with extra premium)
Admissible Limits :
  • Minimum 24 hrs. Hospitalization except Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Dental Surgery, Lithotripsy, D&C, Tonsillectomy (insured discharged on same day)
  • Pre-Hospitalization Expense: Laboratory, X-ray or any other medically necessary diagnostic procedures ordered by a physician (60 days prior to Hospitalization in case of all type of covers)
  • Post-Hospitalization Expenses: The medically necessary treatment ordered by a physician and readered (within a time period of the Insured person's discharge from Hospital or Day Treatment) (90 days after hospitalization in case of all type of covers).
  • General Health and Eye Examination: Radiology, Blood Diabetes, Liver, Renal/Kidney, Cardiac Lipid, Phospholids, Lung, Abdomen, Cancer, Optometry, Slit Lamp Examination, Direct Fungus Examination, Indirect Fungus Examination, Color Vision Testing, Prescription of Glasses if necessary.
  • Local Ambulance Services; Emergency ambulance road transportation by a licensed ambulance service to the nearest Hospital.
  • Hospital Daily Allowance:  The Hospital Daily Allowance benefit is payable per day of Hospitalization in India for a limited period per person and policy period.
  • Day care Surgeries: Microsurgical operations on the middle ear, other operations on the middle and internal ear, nose and the nasal sinuses, the eyes, the skin and subcutaneous tissues, the mouth and the face, Traumatological surgery and orthopedics, the breast, the digestive tract, the female sexual organs, the male sexual organs, the urinary system. For Applicants aged 45 and above a medical test is mandator
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