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	Secure your family against financial emergencies during sudden illness, surgery and accidents as well as against terrorist activities.
	The coverage is shared amongst the members of your family, hence your entire family gets protection under a single plan.

Avail tax benefits under Section 80 D. Click here to calculate your tax saving. Avail of a FREE health checkup coupon for one person per policy

	Avail Cashless Claim facility at 3,500+ hospital network across India
	No health check-up up to the age of 55 years (age as on last birthday)
	Cover your family under a single policy.
	Avail tax benefits under Section 80D of the Indian Income Tax Act 1961.*
	Secure your family against terrorist activities
	No co-payment is applicable for this product
	No sub-limit is applicable for this product except for cataract (up to Rs. 20,000)
	Options for one or two year covers available.
	Buy Online through ICICI Bank, HDFC Bank and Citibank Credit card and pay in installments without any extra charges. (Conditions Apply)
	Now, get covered against Swine Flu / H1N1 influenza in case of hospitalization#

* Tax benefits are subject to tax laws. (Conditions Apply). EMI facility available only for ICICI Bank, Citibank, HDFC Bank (up to 6 months) and card customers at the sole discretion of the Banks. Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more.

# If it's not a pre-existing illness

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

	The customer can buy the policy for any family member(s) children and/or dependent parents.
	The senior most person to be insured should be between 5 to 60 years of age.
	The Proposer needs to be aged above 18 years
	To cover children aged between 91 days to 5 years, the policy must also cover at least 1 adult under the same policy.
	Children under less than 91 days old cannot be covered.
	The policy cover is renewable till the age of 70 years
	No sub-limit is applicable for this product except for cataract (up to Rs. 20,000)
	Options for one or two year covers available.
	Income Tax benefits u/s 80D can only be availed for policies bought for Self, Husband / Wife, dependent children or dependent parents.

Policy Exclusions

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: 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.

Frequently Asked Questions (FAQs)

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

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.

Do I get multiple health cards for every individual covered?

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

How do I select the appropriate cover amount?

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.

Does a higher cover guarantee better protection?

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.

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?

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.

How can I obtain a hard copy of my policy?

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.

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FAQs

Policy Exclusions

Permanent Exclusions


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