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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- Royal Sundram Alliance Insurance Co. Ltd : Family Floater Insurance |
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| Health Insurance for Individuals and Family |
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| Key Features & Benefits |
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- Complete Health Insurance package for the entire family including the spouse,and dependent children (above 90 days) & dependent parents upto the age of 50 years
- No Medical examination
- Pre and Post Hospitalization cover up to 30 days prior and 60 days respectively.
- Coverage for Pre-existing diseases after4 consecutive years of insurance
- Cashless facility (in morethan 3000 hospital across the country)
- 24-hour help line number
- Ambulance referral facilities
- Online access to medical and claims information
- Online storage of medical records (with uploading facility)
- Reimbursement of Healthcheck up cost upto Rs.750 per insured person after 5 claim free years of insurance
- Lumpsum payment of 2% of Sum Insured if hospitalization exceeds 15 consecutive days and where liability is admitted for hospitalization
- Income tax exemption under Section 80 D up to Rs.15, 000/-
- Family Discount of 10% for covering 3 or more family members under a single policy. |
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| Expenses Reimbursed under the Policy |
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- Room, Boarding Expenses as charged by the Hospital/Nursing Home subject to
a limit of 1.5% and for Intensive Care Unit 3% of the Sum Insured per day.
- Surgeon, Anaesthetist, Medical Practioner, Consultants & Specialists Fees are
subject to a limit of 40% of the Sum Insured
- Nursing Expenses during hospitalization
- Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Medicines and Drugs,
Diagnostic Materials and X-ray, Dialysis, Chemotherapy Radiotherapy, Donors
medical expenses towards Organ transplant, Cost of Pacemaker, Artificial Limbs, Cost of Organs. |
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| Important Exclusions |
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- Pre-Existing Condition means any condition, ailment or injury or related condition(s)
for which you had signs or symptoms and/or were diagnosed and/or
received medical advice/ treatment, within 48 months prior to your first Policy
with us
- Pre Existing Diseases shall however be covered after 4 years of consecutive
insurance with us. |
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| Policy Terms and Conditions |
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| Please read the terms and conditions of this policy carefully before making the purchase. |
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| Health Insurance Plan and Premium |
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One year ( Premium inclusive of Tax) |
Age Group |
100,000 |
150,000 |
200,000 |
250,000 |
300,000 |
400,000 |
500,000 |
91 days-25 |
1151 |
1581 |
1850 |
2271 |
2776 |
3589 |
4038 |
26-40 |
1861 |
2791 |
2947 |
3944 |
4420 |
5598 |
6871 |
41-45 |
2182 |
3272 |
3746 |
5016 |
5681 |
7116 |
8734 |
46-50 |
2731 |
3752 |
4956 |
6218 |
7710 |
9768 |
11026 |
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Two year ( Premium inclusive of Tax) |
Age Group |
100,000 |
150,000 |
200,000 |
250,000 |
300,000 |
400,000 |
500,000 |
91 days-25 |
2187 |
3002 |
3515 |
4316 |
5275 |
6819 |
7672 |
26-40 |
3536 |
5302 |
5601 |
7493 |
8397 |
10637 |
13056 |
41-45 |
4146 |
6217 |
7117 |
9527 |
10674 |
13521 |
16595 |
46-50 |
5189 |
7129 |
9419 |
11816 |
14649 |
18559 |
20949 |
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*Family Discount 10% for covering 3 members or more. |
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| For more details please refer the policy terms and conditions |
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