Health Family Insurance Features

Family Health Cover Online

Features and Benefits of the Health Coverage

Who can be insured?

- Self
- Spouse
- Dependent Children (unmarried children, between 91 days & 21 years)
- Dependent Parents up to 50 years of age

Renewals will be accepted up to the age of 70 years for adults and up to the age of 21 years for dependent children.

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One year and Two years

The hospitalization sum insured will be floater among all family members covered.

     - Expenses incurred towards inpatient hospitalization for a period more than 24hrs,
       for the illness / diseases contracted or injury sustained by the insured
       person during the period of Insurance.
     - Pre hospitalization and Post hospitalization expenses for 30 days and 60 days
       respectively
     - Ambulance charges in an emergency subject to a limit of Rs.1000/- per claim
     - Master Health Check up charge reimbursement  to a maximum of Rs1500/- per
       Insured person after each 4 consecutive claim free year. This benefit
       shall not be available even if any one individual insured  person makes a claim
       during the 4 consecutive period of insurance.

Sum Insured under the policy shall be progressively increased by  slab of 5% for every claim free year of the policy  subject to a maximum of 50%. Cumulative bonus will be  reversed to 2 slabs in case of any claim.

Cumulative Bonus will not be considered while admitting liability for pre existing disease after 4 continuous years of insurance.

Expenses reimbursed under the Policy are subject to the following limits:

     - Room, Boarding Expenses as provided by the Hospital / Nursing Home subject to a
       limit of 2% of the Sum Insured and for ICU 4% of the sum insured.
     - Surgeons’ fees (including Assistant Surgeons’) are limited to 40% of the Sum Insured.

Maximum amount payable towards the treatment of following diseases is subject to a limit of:

The limit is applicable in respect of all claims preferred by each Insured Person (for the ailments / diseases mentioned above) for the Period of Insurance.

     - All diseases/injuries existing at the time of proposing this insurance. However
       these shall be covered after insurance for 4 continuous years.
     - Any disease contracted by the Insured Person during the first 30 days from the
       Commencement Date of the cover for that Insured Person.