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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
 
Apollo Munich Insurance Company Limited
  Easy Health Family Floater
 
Bajaj Allianz General Insurance Company Limited
  Family floater Health Guard
  Insta InsureI Family Floater Policy For Rs 1 Lacs
  Star Package
 
Bharti AXA General Insurance Company Limited
  Smart Health Essential Insurance Policy
  Smart Health High Deductibles Insurance Policy
  Smart Health Insurance Policy
 
Cholamandalam Ms General Insurance Company Limited
  Family Health
 
HDFC Ergo General Insurance Company Limited
  Health Suraksha (Individual & Family floater)
 
ICICI Lombard General Insurance Company Limited
  Family Floater Health Insurance
 
IFFCO-Tokio General Insurance Company Limited
  Swasthya Kavach (Family Health)
 
National Insurance Company Limited
  PARIVAR – Mediclaim for Family
  Star National Swasthya Bima Policy
  BOI National Swasthya Bima
 
Reliance General Insurance Co. Limited
  Reliance Health Wise Policy
 
Royal Sundram Alliance Insurance Company Limited
  Health Insurance for Individuals and Family
  Health Shield Online
 
Star Health And Allied Insurance Company Limited
  Family Health Optima
 
The Oriental Insurance Company Limited
  Happy Family Floater Health Insurance / Policy Wording
 
United India Insurance Company Limited
  Family Medicare Policy India
 
Universal Sompo General Insurance Company Limited
  IOB Health Care Plus Policy
Life Insurance Companies Products
 
Aviva Life Insurance Company India Limited
  Aviva Life Shield Plus
 
Bajaj Allianz Life Insurance Company Limited
  Family Care First
 
Bharti AXA Life Insurance Company Limited
  EasyHealth
 
ICICI Prudential Life Insurance Company Limited
  Health Saver, Medi Assure
 
Life Insurance Corporation of India
  Health Protection Plus
  Health Plus
 
Max New York Life insurance Company Limited
  Life Line Healthy Family Plan
 
MetLife India Insurance Company Limited
  Met Health Care
   2- Selection/Introduction of Family Floater Health Insurance Policy in India
In the market you have the choice of this policy / products offered by Insurance Companies (12 Non Life + 3 Health Insurance Co’s). These are following:
 
Insurance Company Product Name
1. Apollo Munich Insurance Company Limited Easy Health Family Floater
2. Bajaj Allianz General Insurance Company Limited Family floater Health Guard
3. Bharti AXA General Insurance Company Limited Smart Health Insurance Policy
4. Cholamandalam Ms General Insurance Company Limited Family Health
5. HDFC Ergo General Insurance Company Limited Health Suraksha
6. ICICI Lombard General Insurance Company Limited Family Floater Health Insurance
7. IFFCO-Tokio General Insurance Company Limited Swasthya Kavach (Family Health)
8. Max Bupa Health Insurance Company Limited Heartbeat
9. National Insurance Company Limited PARIVAR – Mediclaim for Family
10. Oriental Insurance Company Limited Happy Family Floater Health Insurance
11. Reliance General Insurance Co. Limited Reliance Health Wise Policy
12. Royal Sundram Alliance Insurance Company Limited Health Shield Online
13. Star Health And Allied Insurance Company Limited Family Health Optima
14. IFFCO-Tokio General Insurance Company Limited Swasthya Kavach (Family Health)
15. Universal Sompo General Insurance Company Limited IOB Health Care Plus Policy
 
S.No Company Name Entry Age Pre/Post hospitalization cover Pre-existing Diseases coverage Maternity benefits Ambulance Cost Discount on Renewal
1. Apollo Munich Insurance Company Limited 18 yrs to 60 yrs Pre-30 days, Post-60 days Covered after 3 years Available**   10% CB* is available
2. ICICI Lombard General Insurance Company Limited 5 yrs to 60 yrs Pre-30 days
Post-60 days		 covered after the 4th year provided the policy is renewed with us for four consecutive years. Not Available   Pre- 30 days or post hospitalization Max. Rs. 5000 is payable
3. Max Bupa Health Insurance Company Limited No Limit Pre- Up to 30 days, Post- 60 days up to 4 yrs     Covered after 2 years
4. National Insurance Company Limited 35 yrs to 60 yrs Pre-15 days, Post- 30 days 4 yrs Not Available   Not Available
5. New India Assurance Company Limited Zone-II, 3months to 70 yrs Pre- 30 days, Post- 60 days 4 yrs Not Available   Covered
(Upto Rs.750)
6. Oriental Insurance Company Limited 21 yrs to 55 yrs Pre-30 days, Post- 60 days 4 yrs Not Available   Available 5%
7. Reliance General Insurance Co. Limited 3 months to 65 yrs Pre- 60 days, Post- 90 days 2 yrs Not Available   Available 5%
8. Star Health And Allied Insurance Company Limited 5 months to 60 yrs Pre- 30 days, Post- 7% of the hospitalization expenses up to 2 yrs Not Available   Available 5%
Note: Please refer to the policy document for the complete list of features, scope of cover, benefits & exclusion subject to the Insurance Company.
*CB- Cumulative Bonus
**Maternity covered from 5th year of the policy under the policy in Exclusive and Premium Plan Only..
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