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Health Insurance – Key Features


Comprehensive health coverage
Comprehensive health coverage

Range of plans which provide maximum features, cashless hospitalization & cover your family's health care requirements under single premium amount for the policy period.

Pre & Post Hospitalization
Pre & Post Hospitalization

Claim for your medical expenses incurred before & after hospitalization including diagnostic charges, consulting fees, medicines, etc.

Critical illness & Accidental cover
Critical illness & Accidental cover

Plans offering cover during emergency hospitalization due to accidents. Get the coverage amount upon being diagnosed with fatal illnesses under critical illness cover.

Avail Bonuses
Avail Bonuses

Get rewarded with no claim bonus in your policy, for claim-free year & avail increased coverage at no extra cost. Avail family bonus if you inure your family under floater plan rather than individual plan. Get yourself insured for longer time & reap discount on premium.


Restoration of Sum Insured
Restoration of Sum Insured

Have your sum insured restored up to 100%, at no additional cost.

Free health check up
Free health check up

Avail free health check-ups & other wellness & healthcare benefits complementary with your policy.

Lifetime renewability
Lifetime renewability

Plans offering cover during emergency hosptalization due to accidents & critical illnesses.

Tax Exemption
Tax Exemption

Enjoy Tax exemption of upto Rs. 55,000/-* under Section 80D along with your health policy.

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Health Insurance Claim Process


In India, healthcare costs are increasing rapidly and hence, health cover become necessary for family. Customers may get confused while selecting the best family floater health insurance plan for himself and his family.

Family floater mediclaim policy is designed to cover the whole family under one plan. The sum assured as mentioned for the insured person under the policy is available for any or all family members for one or more claims during the policy period.

It covers family members like self, spouse, parents and dependent children (maximum 2). It will not cover parents, parents-in-law, sisters and brothers even if they are staying with the policyholder.

Eligibility
Persons between age of 18 years-60 years is eligible to buy family floater mediclaim plan. Person beyond 60 years can continue their policy provided they are covered under mediclaim plan with same company without any break.

Coverage
It covers hospitalization expenses for the treatment of injury or illness provided hospitalization is over 24 hours.

Pre-hospitalization expenses for 30 days and post hospitalization expenses for 60 days are also covered under policy.

Day-care treatment including medical expenses towards specific technologically advanced day-care treatments or surgeries where 24 hour hospitalization is not necessary.

Homeopathic or ayurvedic and Unani system of medicine are insured to the extent of 25 percent of sum assured provided the treatment is taken in the network hospital of insurance company.

Charges of ambulance services for shifting the covered person from his or her residence to hospital are covered up to the limits mentioned in this insurance product.

Pre-existing diseases are covered only after four continuous and claim free renewals with the same company.

Family floater mediclaim policy covers pre-existing diseases such as diabetes, hypertension and their complication only after 2 years of continuous insurance on payment of additional premium.

Some insurance companies in India provide additional benefits for policyholders such as good health discount and loyalty discount. Insured will get Income Tax Benefit under Section 80D of IT Act.

The premium amount is depending on the age of policyholder and geographical area of treatment. Insured can also ask for reimbursement or cashless facility for their claims. As compared to individual health insurance policy, it is less expensive.

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