Yes. Your employer will cover your medical expenses only as long as you are providing him services. But if you change your job, retire or start something of your own venture, your personal health policy would be your shield. Secondly, the extent of cover offered by the employer may be below than what your need. The Family Floater policy will supplement your existing medical policy. Also, Family Floater provides a cover for all the insured family members under a single policy.

Yes. Although all the members are covered under one policy, each one of them shall get an individual health card.

Consider the following factors Frequently Asked Questions (FAQs)

Your age: Age is a critical factor for determining the cover since health risk increases with age.

Pre-existing / hereditary diseases: Pre-existing diseases are covered subject to sub-limits and waiting period. For example: A person whose parents suffer from Diabetes is more prone to the same disease,here we recommend a higher cover at an early age in order to cover such pre-existing diseases.

Financial status: Consider your financial status and lifestyle before selecting the coverage amount.

A higher cover protects you from a medical emergency, which can burn a hole in your procket. Today, people are more prone to various ailments and health problems due to fast-paced lifestyle and erratic schedules. Rising medical cost is a major deterrent, and thus, a higher cover would guarantee you a better protection.

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.

You can select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days.