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For Health Insurance India Enquiries Contact: Ria Insurance Brokers Pvt Ltd, 449 Kailash Tower -2, East Of Kailash,
New Delhi, India-110065, Phone. 011-26417566,46581566,24525374 Mob. 9810090853 Email:- ibidelhi@gmail.com |
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Family Floater Health Insurance in India (for families)  |
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| Royal Sundaram Family Floater Health Insurance |
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| Eligibility / Entry Age: |
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| This insurance is available to person who are family members of proposer who are between the age of 91 days and 45 years at the Commencement Date of the Policy. |
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| Family Definition: |
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- Self
- Spouse
- Dependent Children (unmarried children, between 91 days & 21 years)
- Dependent Parents up to 50 years of age
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| Renewal Age: |
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| Renewals will be accepted up to the age of 70 years for adults and up to the age of 21 years for dependent children. |
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| Sum Insured Available: |
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| Only 2 Lakhs & 3 Lakhs. |
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| Salient Points: |
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- Expenses incurred towards inpatient hospitalization for a period
more than 24hrs, for the illness / diseases contracted or injury
sustained by the insured person during the period of Insurance.
- Pre hospitalization and Post hospitalization expenses for 30 days and 60 days respectively
- Sub-limit is applicable under this policy
- Ambulance charges in an emergency subject to a limit of Rs.1000/- per claim
- Master Health Check up charge reimbursement to a maximum of Rs1500/- per Insured person after each 4 consecutive claim free year. This benefit shall not be available even if any one individual insured person makes a claim during the 4 consecutive period of insurance.
- On-line purchasing/payments facilities is available.
- Cumulative Bonus : 5% for every claim free year of the policy subject to a maximum of 50%. Cumulative bonus will be reversed to 2 slabs in case of any claim
- All diseases/injuries existing at the time of proposing this insurance. However these shall be covered after insurance for 4 continuous years.
- Any disease contracted by the Insured Person during the first 30 days from the Commencement Date of the cover for that Insured Person.
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| Coverage: |
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| The policy covers Reasonable and Customary expenses incurred towards hospitalization for the disease, illness, medical condition or injury contracted or sustained by the Insured Person during the Period of Insurance stated in the Schedule subject to terms, conditions, limitations and exclusions mentioned in the Policy. |
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| For a claim to be admitted under this policy, the Insured Person should be hospitalized as an In-patient during the period of Insurance for a minimum period of 24 hours. However this time limit is not applicable to the following specific treatments. |
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| Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Cataract, Lithotripsy (kidney stone removal), Tonsillectomy, D&c, Cardiac Catheterization, Hydrocele Surgery), Hernia repair surgery and such other Surgical Operation that necessitate hospitalization less than 24 hours due to medical/technological advancement/infrastructure facilities. |
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| In the event of any claim becoming admissible under the policy, the Company will pay to the Proposer, the Reasonable and customary expenses subject to the various limits mentioned hereunder, but not exceeding the Sum Insured and the Cumulative Bonus, if any, mentioned in the Schedule for all claims admitted during the period of Insurance. |
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