Student Medical Insurance
Coverage
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
View Premium Table
For complete details, refer to the
Policy Wordings
Policy Exclusions
Medical expenses arising out of :
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Pre-existing conditions except in case of life-threatening situations |
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Addiction to alcohol, drugs |
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Mental disorder, anxiety, depression |
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Venereal diseases |
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Sexually transmitted diseases, AIDS, HIV |
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Radiation, nuclear weapons induced |
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Sporting activities |
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Expenses arising out of loss of valuables, money, securities and tickets |
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Loss of passport in public places |
*Treatment for mental and nervous disorders, including alcoholism and drug dependency, is covered under the Plus Plan.
Claims
Please select your service provider to view the network hospital list: Please select your service provider to view the network hospital list:
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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SMS 'INSLOM' to 5676766
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Student Medical Insurance
