Protection for Life
because Life matters.
Features
Sub-limits on Room Rent
Pre-Existing Diseases not covered from day 1
No Claim Bonus
Cashless Hospitalization
Covers Pre-hospitalisation and Post-hospitalisation Expenses
Provides the Option of Additional Sum Insured
Covers the whole family
Lifetime Renewal
Benefits
- Cost-effective insurance
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Family floater policies offer the benefit of a sum assured which can be shared across members of a family and can come in handy because the chances of all members falling sick in a calendar year are rare. If there are multiple illnesses in family, then the sum assured can be distributed among the family members. But the premium has to be paid once and is cheaper than availing individual policies for each of the family members.
- Tax benefits
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Premiums paid for Family Floater can benefit from tax deductions under section 80D of the Income Tax Act. Amounts up to Rs. 15,000 are allowed for deduction on health insurance premium for self, spouse and children. This gives additional exemption of Rs. 20,000 if senior citizens are covered. This means if someone takes family floater insurance covering his immediate family and parents who are senior citizens, he can save up to Rs. 35,000 in taxes.
- Sum Assured can be restored
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In case you are worrying about what happens if due to a hospitalization of one family member, the sum assured gets exhausted, some insurers offer automatic restore/top-up of sum assured by 100%. This takes care of worries about recurring hospitalization in the same year.
- Cashless treatment
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Family floater also allows the insured to be treated cashless at any network hospital. Policyholders need not pay expensive consultation fees, diagnosis tests, room rent and so on. All these expenses, up to the sum assured, are automatically covered by the policy.
- Instant Claim Approval
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90% cashless health claims approved in less than 20 minutes
- Free Health Check-ups
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Free Health Checkups on every Renewal
- Covers Pre and Post Hospitalisation
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Covers pre hospitalization expenses upto 60 days and post hospitalisation expenses upto 180 days
- Day Care Procedures
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Your hospitalization lasted for just a day that doesn’t mean it remains excluded.
Riders
- Critical Illness Rider
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This provides a Lump Sum Benefit amount on first diagnosis of the listed Illnesses covered under the plan.
- Hospital Cash
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This rider pays a fixed amount case of a hospitalization. If one is monitored in an ICU the benefit doubles. This can be utilized for miscellaneous expenses which may occur during the hospital stay.
- Maternity
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This rider pays for expenses related to child birth both for Normal and C-Section. It also pays for any Medical Termination of Pregnancy, Pre-natal and Post-natal expenses & New born expenses related to hospitalization.
- Out Patient Dental
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This rider reimburses costs related to medically necessary dental treatments.
- Contact Lenses
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Hearing Aid, Spectacles rider reimburses for costs related to the purchase such medically prescribed and necessary aids.
- Convalescence Costs
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For extended periods of hospitalizations typically more than 10 continuous days, a lump sum amount is paid as an add-on to the base cover.
- Accidental Death
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Besides medical emergency this covers the accidental risks to Life
- Accidental Disability
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This offers protection against losses occurring due to partial/total or temporary/permanent disability arising out of accidents. Burns , Broken Bones, Costs for Last Rites etc also are covered.
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Demos
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