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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: ria1@surekhae.com
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
Life Insurance Companies Products
8- Family Medicare Policy from United India Insurance Company
Source: Website of United India Insurance Company Limited
CANCELLATION
The following optional covers are available on payment of additional premium as given below
1. Ambulance Charges
  The Policy will cover Ambulance charges in connection with admitted claim incurred to shift the insured person from Residence/ accident site to Hospitals in emergency cases and from one Hospital/ Nursing Home to another Hospital/Nursing Home/Diagnostic centre for better care/ diagnosis, upto a maximum of Rs.2500/- per policy period – Additional Premium Rs.100/-.
2. Hospital Daily Cash Benefit
  The Policy will pay to the insured person a Daily Cash Allowance as given below from the third day onwards for the period of hospitalisation in connection with admitted claims subject to a maximum stated below on payment of additional premium as under –
 
Additional Premium Allowance per day Subject to maximum of
Rs.150/- Rs.250/- Rs.2,500/- per policy period
Rs.300/- Rs.500/- Rs.5,000/- per policy period
 
CLAIM PROCEDURE
All claims will be processed and settled by specified Third Party Administrator (TPA) licensed by IRDA.
The payment will be made either to Hospital/Nursing Home in case of Cashless treatment and to the Proposer/insured person in other cases.
Intimation of Hospitalisation to be made immediately to the TPA.
To avail Cashless facility Pre-authorisation request to be sent or faxed to TPA immediately on admission.
In Reimbursement cases Insured to intimate TPA about hospitalisation of insured persons immediately on admission or not later than 24 hours. Claim bills to be submitted to TPA within seven days of discharge.
All claims under this policy shall be payable in Indian currency.
The Company may at any time cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact or non-cooperation by the insured by sending seven days notice in writing by Registered A/D to the insured at his last known address in which case the Company shall return to the insured a proportion of the last premium corresponding to the unexpired period of insurance if no claim has been paid under the policy.
The insured may at any time cancel this policy and in such event the Company shall allow refund of premium at Company’s short period rate table given below provided no claim has occurred upto the date of cancellation.
 
PERIOD ON RISK RATE OF PREMIUM TO BE CHARGED
Upto one month 1/4th of the annual rate
Upto three months 1/2 of the annual rate
Upto six months 3/4th of the annual rate
Exceeding six months Full annual rate.
 
This Prospectus shall from part of the proposal form. Please sign in token of having noted the contents of Prospectus.
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