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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- ICICI Lombard General Insurance Co. Ltd : Family Floater Insurance
Source: Website of ICICI Lombard General Insurance Company Limited
Exclusions valid for the first 2 Years
 
  • Treatment of the following diseases/illness/ailments:
  • Cataract
  • Benign Prostatic Hypertrophy
  • Myomectomy, Hysterectomy unless because of malignancy
  • Hernia, Hydrocele
  • Fistula in Anus, Piles
  • Arthritis, Gout, Rheumatism
  • Joint replacement, unless due to accident
  • Sinusitis and related disorders
  • Stone in the urinary and biliary systems
  • Dilatation & Curettage
  • Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast
    lumps, unless malignant / adenoids and hemorrhoids
  • Dialysis required for chronic renal failure
  • Surgery on tonsils, adenoids and sinuses
  • Gastric and duodenal ulcers
If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the fourth year onwards, subject to continuous renewal of the policy with us.
Permanent exclusions
 
  • Any illness/ disease/ injury/ pre-existing disease before the inception of the policy. However, this exclusion ceases to apply if the policy is renewed with the Company for 4 consecutive years
  • Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment
  • Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury
  • War, riots, strike, nuclear weapon, induced treatment
Eligibility
  • The customer can buy the policy for any family member(s) children and/or parents
  • The senior most person to be insured should be between 5 to 60 years of age. (Persons aged 60 and above can consider our Health Advantage Plus plan, in which the age of the senior most person is up to 65 years)
  • The Proposer needs to be aged above 18 years
FAMILY FLOATER HEALTH INSURANCE POLICY PREMIUM TABLE (6 months EMI without any extra charges#)
Monthly Premium for 1 Year plans in Rupees
Plan Details Plan A
Individual
Plan B
2 Adults
Plan C
2 Adults & 1 Kids
Plan D
2 Adults & 2 Kids
Plan E
1 Adult & 1 Kid
Plan F
1 Adult & 2 Kids
Age of senior most
family member
2 Lac 3 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac
5 - 18 yrs. 326 375 - - - - - - - - - - - - - - -
19 - 35 yrs. 441 508 661 762 1,142 857 987 1,483 1,052 1,212 1,824 579 667 1,003 722 831 1,253
36 - 45 yrs. 552 613 828 920 1,284 1,024 1,145 1,624 1,219 1,370 1,965 671 754 1,081 805 910 1,323
46 - 55 yrs. 983 1,092 1,572 1,747 2,446 1,768 1,972 2,787 1,964 2,197 3,127 1,080 1,209 1,720 1,177 1,324 1,904
56 - 60 yrs. - 1,338 1,926 2,140 2,996 2,122 2,365 3,337 2,317 2,590 3,678 1,275 1,425 2,023 1,354 1,520 2,180
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