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| Family Floater Health Insurance Products in India (for your entire family) |
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| Policy information of health insurance products for families including comparison rates, policy language, coverage etc. |
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| 8- ICICI Lombard General Insurance Co. Ltd : Family Floater Insurance |
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| Family Floater Health Insurance |
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| A comprehensive Health Insurance policy that ensures... Poorey parivaar ki poori suraksha. Secure your family against financial emergencies during sudden illness, surgery and accidents as well as against terrorist activities. |
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| Family Floater Health Insurance plan lets you share the entire sum insured among the family members covered under the policy, without any individual upper limits. |
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| Understand the Floater Concept |
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Example
The Prakash Family is covered under a traditional health insurance plan with individual policies, of which Mr. Prakash is separately covered for Rs. 2 Lakhs, his wife for Rs. 1 Lakh, their son and daughter for Rs. 50,000 each. They have paid premium for all these four policies separately. In an unforeseen situation, wherein surgery and post hospitalisation bill of their son amounts to Rs. 1.30 Lakhs, the existing policy will cover only Rs. 50,000, while Mr. Prakash will have to bear the balance Rs. 80,000 from his pocket. However, with Family Floater Health Insurance plan, each member of the Prakash family can utilize the entire sum insured of Rs. 4 Lakhs. Thus in the above situation, Family Floater would have covered the entire amount of Rs. 1.30 Lakhs of medical expenses of his son. |
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| Policy Details |
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- Comprehensive coverage for your family with floater benefit
- Cashless claims facility at over 3,500+ network hospitals across India
- Continue to enjoy quality service even during claim settlements with - ICICI Lombard Health Care - our own in-house health claim processing and wellness team
- No sub-limits on room rent, doctor fees, and hospital charges or for
- any disease (except Cataract where Rs. 20,000 per eye is applicable).
- Noco-payments for any disease or any hospitalisation expenses
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| What is covered |
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- Medical expenses incurred as an inpatient during hospitalisation for more than
- 24 hours,including room charges, doctor/ surgeon's fee, medicines bills, etc
- Medical expenses incurred 30 days prior and 60 days post hospitalisation
- Day Care expenses incurred on named advanced technological surgeries and
- procedures requiring less than 24 hours of hospitalisation. (Including Dialysis,
- Radiotherapy and Chemotherapy)
- Pre-existing diseases can be covered after four continuous years of coverage with the Company*
- This policy also covers you for hospitalisation in case of Swine Flu/H1N1 influenza**
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*Conditions Apply
**If it's not a pre-existing illness |
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| What is not covered |
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| Exclusions valid for the first 30 Days |
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- Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals
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