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| What is the Family Floater Plan? |
For the first time in India, one single policy takes care of the hospitalisation expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.
e.g.: The Prakash Family is covered under a traditional health insurance plan - Mr. Prakash Rs. 2 lac, his wife Rs. 1 lac, their son and daughter Rs.50,000 each and they have paid premium for all these 4 policies. In an unforeseen situation, wherein surgery and post hospitalisation bill of their son amounts to Rs. 1.30 lac. The existing policy will cover only Rs. 50,000, while Mr. Prakash will have to bear the balance Rs. 80,000 from his pocket.
With Family Health Floater Insurance plan, each member of Prakash family is covered up to Rs. 4 lac . Thus, Family Floater would have covered entire Rs. 1.30 lac medical expenses of Mr. Prakash's son. |
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| Why do I need health insurance? |
| Health insurance will protect you and your family against any financial contingency arising due to a medical emergency. |
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| What is a Health Card? |
A health card is a card that comes along with the Policy.
It is similar to an Identity card. This card would entitle you to avail cashless hospitalisation facility at any of our network hospitals.
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| What are the benefits of a health card? |
A health card mentions the contact details and the contact numbers of the TPA. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance.
Moreover, you need to display your health card at the time of admission into the hospital. |
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| Are all policyholders eligible for a Health Card? |
| Yes, all the policyholders are eligible for the Health Card as it is an important component of the policy. |
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| How does a Health Card function in case of a 2-year policy? |
| In case of a 2-year policy, you will be issued a single card, which would be valid for the entire policy period. The health card need to be renewed or re-issued during the policy tenure. |
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| Why should I take Family Floater health plan if I already have health insurance from my employer? |
 | Your employer will cover your medical expenses only as long as you are in his services. Tomorrow, you may change your job, retire, or even start something on your own. In all such cases you and your family will be stranded if a medical emergency arises and you have not arranged for an alternative health insurance policy. It is at this point of time that Family Floater Health Insurance policy will come to your rescue. |
| Family Floater Health Insurance policy can also act as a supplement to your existing medical cover in case the cost of medical treatment is higher than your existing cover level. |
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| Which medical tests does an adult above 56 years need to go through? |
An adult aged 56 years and above has to undergo the following medical tests:
1. Complete Blood count
2. Fasting Blood Sugar
3. ESR
4. Serum Creatinine
5. SGPT
6. Urine Routine
7. ECG
8. Medical Examination with BP recordings – By a physician
An additional charge of Rs. 600 would be collected for the Medical Test by our representative |
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| What if I want to renew my health insurance policy after one year? |
| We would be sending you a renewal notice informing you of the expiry of your health policy via courier. |
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| Would I have to fill the form again? |
| No, you would not have to do so again. |
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| When do I have to take a medical check up? What is the period for the medical check up i.e., from the start date of the policy? |
| On purchase of the policy, we would inform you on the medical check up routine. Ideally, the check-ups are conducted within 5 days of paying the first premium. |
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| When do I have to take a medical check up? |
| Everyone aged 56 years & above would have to undergo medical check up. |
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| In the event of claim being already made, if I want to renew my policy for the second year, do I have to undergo medical check up again? |
| No, the medical check up has to be taken only once, during the start of taking a policy and only if you are 56 years of age or above. |
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| What if I also have or intend to buy a medical policy of any other insurance company? |
| It's as per your choice, but you would have to intimate us of the same and the concerned insurance company. |
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| Would I be able to avail of my medical & premium reimbursements in case my policy is rejected? |
In the event that your policy is rejected, you can definitely avail of premium reimbursements within 7 working days. However,.we would not be able to reimburse your medical expenses.
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FAQs 
