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Family Floater Health Plan - Introduction
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. Click here to know how the plan works
New! - Special offer - Avail complete health check-up absolutely free!
Click here to know more.
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Policy Details
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| Policy Coverage
The policy covers medical expenses:
 | Incurred as an inpatient during hospitalisation for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines, etc. |
| 30 days prior to hospitalisation. |
| 60 days post hospitalisation. |
| Day Care expenses incurred on advanced technological surgeries and procedures like Dialysis, Radiotherapy, and Chemotherapy, requiring less than 24 hours of hospitalisation. |
| Pre-existing diseases can be covered after 48 months of continuous coverage since inception of first individual health policy with the company. |
Click here to view our Policy Exclusions.
Click here to view the Premium Table
For more details, kindly refer to the Policy Wordings.
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| Back to top | | | Key Benefits
| One Policy – One Premium for the entire family. The floater health plan covers your entire family under one policy with one sum insured and one premium. This takes care of hospitalisation expenses in case of a sudden illness, accident or planned surgery of the entire family. |
| Income Tax benefit under Section 80D. Click here to know more about Tax Benefit |
| 5% discount on premium for every claim free year |
| Digitally signed policy is available 24X7 online, customer can take prints instantly. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 2-3 working days. |
| No health check up required upto the age of 55 years (as on last birthday). |
| Medical Tests at the rate of Rs. 600 (per insured member). Click here for Medical Test Details |
| Free health check-up coupon for any one insured family member.
Click here to know more. |
| Hassle free claims procedure |
| Multiple payment options – credit card, net banking (direct debit), and cheque / demand draft.
You can pay through your ICICI Bank, Citibank & HDFC Credit Card and avail of Interest-Free equal monthly installments (EMI) for your premium.
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
Additional Benefits:
| Up to 2-year Cover- We offer a continuous 2-year protection with no increase in premium in the second year. This one time payment of premium for 2 years takes care of your renewal hassles next year. The sum insured is reinstated to the full sum insured after the first year. Option for 1 year cover also available. |
| Single Policy- Single document, single premium, and single date to track. No need for separate policy for family members. |
*Optimum Tax Benefit of Rs 5099/- subject to the provisions of Section 80D of the Income Tax Act, 1961 and amendments made thereafter. (assuming highest tax bracket and premium of Rs. 15,000)
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| Back to top | | | Eligibility
| The enrollment age (of the senior most family member) should be between 19 years to 60 years. |
| Other members in the plan can be less than 19 years of age (i.e. up to 91 days). |
| The insured child aged between 91 days to 5 years must be accompanied by at least 1 Adult Member. |
| The policy cover is renewable till the age of 70 years. |
| The customer can buy the policy for any family member(s). |
| For the purpose of income tax exemption u/s Sec. 80D, the policy should be bought only for self, spouse, dependent children and dependent parents. |
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| Back to top | | | Need for Floater
| Healthcare costs have been rising at more than 20 percent on an annualised basis and out of pocket spending on healthcare still continues to be around 75 percent. Source TOI |
| Protect your entire family with a single policy against unforeseen medical contingencies |
| Save Tax up to Rs. 5099/- under section 80 D of the Income Tax Act* |
| Supplements employer-based health plans with higher sum insured and medical benefits |
| Individuals require to have an insurance that caters solely to their health needs, apart from life insurance and investments, that provides cover against expenses incurred during hospitalization, as well as before and after |
| Avail cashless hospitalisation through ICICI Lombard's network of 4500 + hospitals across India |
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| Back to top | | | Why buy online
Why buy online at www.icicilombard.com? We give you a few of many reasons why -
| Digitally signed policy is available 24X7 online, customer can take prints instantly. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 10 working days. |
| 0% EMI option: You can pay online through ICICI Bank, Citibank & HDFC Bank Credit Card at 0% EMI (interest-free EMI).
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
| No Paperwork |
(subject to the discretion of the Bank)
Family Floater Product Code: Misc 34E
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