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Insurance Article

Secure your loved ones with family floater health insurance plan

January 14 2013

Such medical emergencies can be best tackled if you and your family are insured with a comprehensive health insurance cover. A health cover for the family is carefully designed to help diffuse stress and also offer financial assistance to save financial loss.

Before you buy a family health insurance plan, you must carefully consider your needs and financial constrains before making the purchase. You may opt to buy the family floater health insurance plan from ICICI Lombard. Known as the ICICI Lombard Complete Health insurance , this health insurance cover offers a large sum insured as per the plans. This sum insured can be used by a single family member or shared among the family members till the policy period expires.

This family floater health insurance plan can be purchased conveniently for a maximum of 5 family members. If the family members are below 46 years of age, no medical check-up is required prior to policy purchase. Such a health insurance policy is structured with a 1 year and 2 year (auto-renewal) policy period. When you opt to select the 2 year policy period, you and your family can continuously enjoy the benefits of this plan for 2 years without worrying about annual policy renewal.

The entry age is as low as 3 months under the floater policy which means that even children can be covered under this policy. This feature is sure to be beneficial to families that include children and is sure to offer respite in treatment expenses when faced with a medical emergency.

The policy can be easily customised according to your needs with the addition of optional covers in the insurance plan. You may enjoy the facilities offered by optional covers such as hospital daily cash and convalescence benefits with the payment of a slightly higher premium amount. According to policy terms, these covers make the insured patient eligible for reimbursement during hospitalisation and also when the patient recuperates after completion of the treatment.

co-payments are the specific percentage of every claim that has to be pocketed by the insured person. However, this health insurance policy has a zero co-payments facility for any disease or hospitalisation expenses when seeking treatment in a in a non-network hospital. Sub-limits are the restrictions on the Sum insured that is made available for treatment/ service/ disease covered under the policy. With the ‘no sub-limit’ feature you may enjoy optimum treatment and be eligible for reimbursement when making a claim.

All these benefits offered by the floater health insurance plan makes it perfect for ensuring the health of your entire family under a single policy.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

IRDA Reg. No. 115

Toll Free No: 1800 2666

Job Code: EC012431MI

Product Code: Misc. 128

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