The Family Floater health plan covers the following medical expenses:

Incurred as an inpatient during hospitalization for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines bills, etc.

Medical expenses incurred 30 days prior to hospitalization

Medical expenses incurred 60 days post hospitalization

Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalization. (Including Dialysis, Radiotherapy, and Chemotherapy)

Pre-existing disease will be covered after fourth consecutive renewal with the Company

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For complete details, refer to the Policy Wordings

Exclusions valid for the first 30 Days
Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals.
Exclusions valid for the first 2 Years
Treatment of the following diseases/illness/ailments:

Cataract

Benign Prostatic Hypertrophy

Myomectomy, Hysterectomy unless because of malignancy

Hernia, Hydrocele

Fistula in Anus, Piles

Arthritis, Gout, Rheumatism

Joint replacement, unless due to accident

Sinusitis and related disorders

Stone in the urinary and biliary systems

Dilatation & Curettage

Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids

Dialysis required for chronic renal failure

Surgery on tonsils, adenoids and sinuses

Gastric and duodenal ulcers

If the Policy is renewed with us for two consecutive years, the above diseases/illness/ailments will be covered from the 3rd year. If these are pre-existing diseases at the time of inception of the policy, the same will be covered from the 4th year onwards.

Any internal congenital illness.

Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment.

Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury

War, riots, strike, nuclear weapon, induced treatment.

For more details, kindly refer to the Policy Wording.

Please select your service provider to view the network hospital list: Please select your service provider to view the network hospital list:

I already have a health insurance from my employer. Do I still need Family Floater?

Do I get multiple health cards for every individual covered?

How do I select the appropriate cover amount?

Does a higher cover guarantee better protection?

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?

How can I obtain a hard copy of my policy?