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Various health insurance companies who provide insurance in India. Get free health insurance quote today from best health insurance companies in India for your entire family insurance plans Get Cashless medical insurance hospitalizaton form most of insurance companies plan Free medical treatment during hospitalization Peace of mind with health insurance policy
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- Univeral Sompo General Ins. Co. Ltd : Family Floater Insurance
Source: Website of Universal Sompo General Insurance Company Limited
IOB Health Care Plus Policy
We, at USGI always endeavor to bring the best of Insurance products and services to our esteemed customers. In order to cater to the needs of the customers of Indian Overseas Bank, we have designed the "IOB Health Care Plus" in association with Indian Overseas Bank.
The IOB Health Care Plus is a complete health insurance Plan that covers You, Your spouse and two dependent children and unlike any other regular Policy, wherein a family has to take individual sum insured for each member, this unique family floater policy gives you the flexibility of taking one Policy that covers the entire family under a single sum insured.
The Policy is available to all the customers of IOB maintaining a S.B. or C.D account. However, the cover is available for treatment in hospitals in India. The Scheme takes care of the hospitalization expenses, subject to maximum Sum Insured, in respect of the following eventualities:
  • Sudden illness
  • An accidental injury
  • Any surgery that is required in respect of a covered disease/injury
Salient Features
  • The health insurance cover is available at a very attractive premium, which is far below the normal premium if the Policy is taken individually by the account holder, directly from any Insurance company
  • Entire family of account holder, spouse and up to two dependent children are covered under Floater policy. Even dependent parents of primary account holder can be covered at inception for additional premium
  • Coverage option from Rs.50,000 to Rs.5.00 lakh is available
  • Pre existing diseases are not covered. However, the preexisting disease is covered after four continuous claim free years which include this insurance cover (IOB Health care plus) or a similar medical insurance cover (offered by any other insurer under their earlier tie up arrangement with Indian Overseas Bank only)
  • Ambulance charges up to Rs.1,000 is reimbursable per policy period
  • Cost of health check up allowed @ 1.00% of sum insured after completion of 3 continuous claim free years of Policy with us
  • In the case of Hospitalisation of children below 12 years a lump sum amount of Rs.1,000 as out of pocket expenses to either of the parent is payable per Policy Period
Maternity Benefit and Baby Care Expenses are also reimbursed up to 5% of sum insured, subject to a waiting period of 9 months from the commencement of the Policy
  • Treatment in hospitals in Nepal and Bhutan are also covered, indemnity shall be only in Indian Currency
  • Personal Accident death cover is available for additional premium
  • Income tax benefit is available under Section 80D for the premium paid
  • Cash less access to networked hospitals is available through Third Party Administrator (TPA)
  • In case of death in hospital, funeral expenses are reimbursed up to Rs.1000 over and above the sum insured, subject to original illness/ accident claim admitted under the Policy
What are the exclusions in the Policy
The Policy provides for three different options as under :
  • The Policy does not cover preexisting disease. However, the preexisting disease is covered in case of four continuous claims free years which include this insurance cover (IOB Health care plus) or a similar medical insurance cover (offered by any other insurer under their earlier tie up arrangement with Indian Overseas Bank)
Important Note
Pre acceptance Medical tests to be carried out for persons above the age of 50 years.
 
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