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Family Floater Health Insurance A comprehensive Health Insurance policy that ensures... Poorey parivaar ki poori suraksha. Secure your family against financial emergencies during sudden illness, surgery and accidents as well as against terrorist activities. Family Floater Health Insurance plan lets you share the entire sum insured among the family members covered under the policy, without any individual upper limits. ExampleThe Prakash Family is covered under a traditional health insurance plan with individual policies, of which Mr. Prakash is separately covered for Rs. 2 Lakhs, his wife for Rs. 1 Lakh, their son and daughter for Rs. 50,000 each. They have paid premium for all these four policies separately. In an unforeseen situation, wherein surgery and post hospitalisation bill of their son amounts to Rs. 1.30 Lakhs, the existing policy will cover only Rs. 50,000, while Mr. Prakash will have to bear the balance Rs. 80,000 from his pocket. However, with Family Floater Health Insurance plan, each member of the Prakash family can utilize the entire sum insured of Rs. 4 Lakhs. Thus in the above situation, Family Floater would have covered the entire amount of Rs. 1.30 Lakhs of medical expenses of his son. 
Policy Details Key Benefits
Key Benefits
* Except Cataract where Rs. 20,000 per eye is applicable ** Tax benefits are subject to tax laws. Click here to calculate your tax saving *** EMI facility available only for ICICI Bank, Citibank and HDFC Bank (up to 6 months) credit card customers at the sole discretion of the Banks. Note: EMI option subject to minimum annual premium of Rs. 10,000. Click here to know more. What is covered
What is covered
* Conditions Apply ** If it's not a pre-existing illness Terms of Renewability Your Family Floater Health Plan can be renewed instantly. Click here to know more. View Premium Table For complete details, refer to the Policy Wordings. What is not covered Exclusions valid for the first 30 Days
What is not coveredExclusions valid for the first 30 Days
Exclusions valid for the first 2 Years
If the Policy is renewed with us for two consecutive years, the above diseases / illness / ailments will be covered from the third year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered after the fourth year onwards, subject to continuous renewal of the policy with us. Permanent exclusions
For details, kindly refer to Policy Wordings. Eligibility
Eligibility
For details, kindly refer to Policy Wordings. Claims Identify your Service Provider Refer to your cashless claim card and check the logo displayed to determine your service provider ClaimsIdentify your Service Provider Refer to your cashless claim card and check the logo displayed to determine your service provider
Health Insurance and You What is health insurance? A health insurance policy will provide a cover to you and your family against sudden medical contingency or bodily injury. Why health insurance? Every human being is exposed to various health hazards. Medical emergency can strike anyone without pre-warning. Inadequate facilities in government hospitals Private hospitals are too expensive Medicines have become quiet expensive Diagnostic charges are beyond common man’s reach Specialists come at a price Tax benefit under section 80 D of the Income Tax Act Health risk is a personal risk, which could arise from various factors viz. a) Physical condition b) Psychological condition c) Accident related d) Occupational related e) Environment related f) Life style related g) Travel related Continue reading What is the kind of medical emergency that can strike? A medical emergency can be:- Medical illness Injury / Accident Major illness Critical illness Chronic illness Untreatable Terminal What impact will a medical emergency have on you and your family? A medical emergency can Burn a hole in your pocket Immediate need for medical aid Loss of quality life Loss of career options / Income Disruption in home life Mental trauma and incapacitation What does a standard insurance policy cover? A standard health insurance covers : Room and boarding expenses provided by the hospital Nursing expenses Diagnostic and medicine expenses Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees Anesthesia, blood, oxygen, operation theatre expenses, cost of surgical appliances, medicines and drugs and similar expenses Pre-hospitalisation and post hospitalization expenses subject to conditions and limits . What are the benefits of buying health insurance at a young age? Health insurance premium tends to increase with age -- more the age, higher the premium. You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy. In addition, each `no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company. Lastly, income tax benefit under Section 80 D of the Income Tax Act. How is premium determined? Premium depends on several factors viz. Your age Amount of coverage required Number of family members covered Other additional benefits Your health condition Your income \ earning How does a health policy differ vis-à-vis a life insurance policy? The health insurance plan is more comprehensive in its coverage. All expenses involved in hospitalization fall under its purview. Life insurers usually cover critical illness and hospital cash extensions (only room rent charges) on life policies, which do not include doctor’s fees, expenses incurred on buying medicine and surgery costs etc. Why is it important to disclose health details when I buy a policy? Mention of details is critical since insurance companies assess the policyholder’s risk profile on the basis of his/her health. An insurance contract works on the principal of “utmost good faith”, which implies that information furnished by a policyholder is true and correct. Moreover, non-disclosure can also lead to rejection of a claim. Family Floater Health Insurance Product Code: Misc 34E   Want us to call you back? Login  Testimonials Mr. Ajit Deshpande, Pune - Maharashtra “I am quite amazed to buy a policy from ICICI Lombard. There was no paperwork, no health check-up, no cheque payments, no reminder calls etc." Read more Find your local Hospital   |
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