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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:
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- National Insurance Co. Ltd : Family Floater Insurance
Source: Website of National Insurance Company Limited
Star National Swasthya Bima Policy
1. Salient Feature
Star National Swasthya Bima policy is a unique Health Policy designed especially for the Account holders of Bank of India. The entire family consisting of the account holder, spouse and two dependent children upto the age of 21 years can be covered under this policy.
This policy covers Hospitalization expenses for account holder and family. In case of Hospitalization Expenses, the entire family is covered for the Floater Sum Insured as opted for, i.e., either one or all members of the family, as stated above, can utilize the Sum Insured during the policy period.
Age: 3 months to 65 years. However, renewals are allowed upto 80 years at a premium to be fixed by the Company.
2. Scope Of Cover
  1) Room, Boarding expenses as provided by the Hospital/Nursing Home.
2) Nursing expenses.
3) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees.
4) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical appliances, Medicines &
Drugs, Diagnostic Materials and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of pacemaker, Artificial Limbs and cost of organs and similar expenses.
5) Coverage options – 8 Slabs ranging from Rs.50,000/- to Rs.5,00,000/-, is available.
3. Additional Features
Additional Covers:
  1) Ambulance Charges - In case of emergencies, reasonable amount can be reimbursed not exceeding Rs.1000/- (Rupees one thousand only) per Policy period.
2) In case of Hospitalisation of children below 12 years, a lump sum amount of Rs.1000/- (Rupees one thousand only) per policy period towards the out-of-pocket expenses. The payment will be made on the basis of a declaration from the parent without insisting on any supporting bill/cash memo.
3) Cost of Health Check-up allowed @ 1% of the Sum Insured after completion of three continuous
claim free years of policy.
4) Pre & Post Hospitalisation Expenses for first 30 days and 60 days respectively.
5) Pre-existing diseases are not covered. However, Pre-existing diseases will be covered after three consecutive continuous claims free policy years which include policies taken from other Insurance Companies.
6) Maternity Benefit and Baby Care Expenses are also reimbursed upto 5% of the sum insured.
7) Treatment of NRIs in Indian Hospitals is allowed.
8) Treatment in Hospitals in Nepal and Bhutan are also covered in Indian Currency.
9) In case of death in hospital, funeral expenses are reimbursed upto Rs.1,000/- over and above the
sum insured subject to original illness/accident claim admitted under the policy. Children aged between 3 months and 5 years can also be covered, provided that one or both parents are covered concurrently.
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