Family Health Floater
Life is full of surprises, some bitter some sweet. For medical emergencies like surgeries, accidents and sudden illnesses, ICICI Lombard General Insurance Company Limited brings you Family Health Insurance Plan that is flexible enough to cover all members of your family.
This unique single family policy provides coverage upto the total sum insured to every individual family member.
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Policy Coverage
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Medical expenses incurred as an inpatient during hospitalization* for more than 24 hours |
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Pre-hospitalization up to 30 days |
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Post-hospitalization up to 60 days |
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Day care procedures like dialysis, cataract, hospitalization also covered radiotherapy etc. that require less than 24 hours |
Bed charges up to maximum Rs. 600 per day is payable.
There are certain ailments which are covered in cases of less than 24-hrs of hospitalization. These are:
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Tonsillectomy and / or Adenoidectomy |
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Cardiac Catherisation/ Coronary Angiography |
Coverage limit for specific ailments / conditions:
Certain specific ailment(s) / surgery(s)/ procedure(s) are covered up to pre-defined limits under this policy (subject to the total sum insured).Click here for the details.
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Key Benefits
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Floater Cover - The entire family is covered under one Sum Insured, hence any member of the family can claim up to Sum Insured, any number of times during the policy period.
Example – Mr. Singh and his wife are covered for 50000 each and his son is covered for 25000, under regular health policy. Total sum insured is 1.25 lakh and each one is covered for 50000 or 25000 only.
In a floater policy of 1.25 lakh Mr. Singh, his wife and son will be covered up to the sum insured. Any member can claim up to this amount any number of times. Thus Mr. Singh does not require buying policies for every family member separately. |
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Cashless Facility - You can avail of cashless hospitalization across the country at network hospitals of the TPA appointed by the company. A list will also be sent to you with your policy and ID card. |
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Comprehensive Cover - Pre-existing disease covered after 4 years. |
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Income Tax Benefit - The premium payable is eligible for tax rebate as per Sec. 80D of Income Tax Act. (Premium payable only by cheque.) |
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No Claim Discount - If no claim made in a year, a discount of 5% will be given on renewal premium. |
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Eligibility
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Individuals between age 91 days to 60 years |
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Proposer can take cover for himself or his family |
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Family members comprise of spouse, dependent children, dependent parents and dependent brothers and sisters. |
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Medical examination is required for people aged 56 yrs and above. |
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How to Claim?
Network Hospitals
Cashless Treatment subject to authorization from the TPA
Non-Network Hospitals
Reimbursement subject to policy terms and conditions
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Why ICICI Lombard?
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No.1 Private Insurance Company |
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Largest network of offices across the country |
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Innovative products suited for the rural segment |
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