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For Health Insurance Comparative Quote Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone:011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria@surekhae.com, ibidelhi@gmail.com
Family Floater Health Insurance Products in India (for your entire family)
 
(1) What is the Concept of Family Floater?   (2) Introduction: Family Floater Health Insurance
(3) Coverage & Exclusion under Family Floater Insurance   (4) Family Floater Policy Premium Chart
(5) Features of Family Floater Insurance Policy   (6) Policy Wording /Proposal Form/ Brochure
(7) Product details of Various Family Floater Coverage   (8) Health Insurance -Below Poverity Line (BPL) Families
 
General/Health Insurance Companies Products
Life Insurance Companies Products
8- Happy Family Floater Coverage from United India Insurance Company
1.1SALIENT FEATURES OF THE POLICY:
  • A floater covering the proposer and his / her family under one sum insured under one policy.
  • The sum insured floats over all the beneficiaries under the policy.
  • No medical examination for persons upto the age of 60 years.
  • Pre-existing conditions cover after four consecutive renewals with the Company.
  • Coverage under two options – SILVER and GOLD Covers.
  • SILVER offers sum insured slabs of 1 to 5 lacs
  • SILVER is subject to 10% Co-pay
  • GOLD offers sum insured slabs of 6 to 10 lacs.
  • Policy covers the hospitalisation expenses for the covered diseases / accident upto specific limits.
  • GOLD plan offers as an inbuilt cover daily cash allowance and attendant allowance upto limits specified.
  • Personal Accident cover is offered as add on cover under both the covers. In addition GOLD cover offers add on cover of life hardship survival benefit.
  • Discount in OMP premium when family floater policy is taken.
  • Option of TPA and non TPA services.
  • Discount in premium if TPA services not opted.
1.2 COVERAGE UNDER THE POLICY
The following reasonable and necessary expenses (subject to limits) are payable under the policy for various benefits:
 
HOSPITALISATION BENEFITS
  BENEFIT SILVER PLAN
(Limit of Reimbursement )
GOLD PLAN
(Limit of Reimbursement)
(a) Room, Boarding and Nursing Expenses as provided by the Hospital /Nursing Home. Not exceeding 1 % of the Sum Insured per day Not exceeding 1 % of the Sum Insured per day.
(b) Intensive Care(IC) Unit Expenses as provided by the Hospital /Nursing Home. Not exceeding 2% of the Sum Insured per day. Not exceeding 2% of the Sum Insured per day.
No of days of stay under a and b above should not exceed total number of days of admission in the hospital.
(c) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees As per the limits of the sum insured. As per the limits of the sum insured.
(d) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Material and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & and similar expenses. As per the limits of the sum insured. As per the limits of the sum insured.
 
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