FAQS
Questions about Family Good Health? Get your answers here
What is special about Family Good Health Insurance?
Family Good Health Insurance policy offers a comprehensive health insurance for your and your family. You can cover your family under a single policy, under a single floater sum insured. You can also choose to have an individual sum insured for each member of the policy.
You can get cover for Self/Spouse/Dependent children ( 91 days to 21years), Father, Mother
You can get cover for Self/Spouse/Dependent children ( 91 days to 21years), Father, Mother
What are the Sum Insured options available under this policy?
You can choose from 2 Lakhs, 3 Lakhs, 4 Lakhs, and 5 Lakhs as your Sum Insured amount
What are the 'hospitalization charges' covered by this policy?
Following are the hospitalization charges covered by this policy:
- Pre-hospitalization charges- Charges incurred for treating a disease/illness/injury for 30 days prior to hospitalization.
- In-patient hospitalization charges- Reasonable and Customary charges incurred during hospitalization.
- Post-hospitalization charges - Reasonable and customary charges incurred treating the disease/illness/injury post discharge for a period of 60 days.
Who are the family members that can be covered by this policy?
You can buy this policy for yourself, your spouse, your dependent children above the age of 91 days up to 21 years and dependent parents up to the age of 50 years without documentation, up to 65 years with documentation. Renewals are accepted up to the age of 70 years.
Does the policy cover Ambulance charges?
Yes. Rs.1000/- per Insured Person per claim will be covered.
What do you mean by Cashless facility?
Cashless facility lets you avail the hospitalization benefits without any advance payments.
Once insured, you will be provided with a 'Health Card' along with Policy documents. You can use the health card to access Cashless facility in our network of hospitals facilitated by our TPA (Third Party Administrators).
You need not go through the hassles of paying first and then submitting your claim.
Once insured, you will be provided with a 'Health Card' along with Policy documents. You can use the health card to access Cashless facility in our network of hospitals facilitated by our TPA (Third Party Administrators).
You need not go through the hassles of paying first and then submitting your claim.
What is the benefit of carrying a health card?
Health card lets you enjoy the benefits of Cashless facility provided by the policy.
It also serves you as an identity card in the event of any unforeseen accident to the third party and helps them in arranging necessary emergency treatment.
It also serves you as an identity card in the event of any unforeseen accident to the third party and helps them in arranging necessary emergency treatment.
Is there any bonus or discount allowed?
There is no discount allowed on the premium. However, for every claim free year, your sum insured will be increased by 5%, subject to a maximum of 50%.
I travel abroad frequently ; will this policy cover my hospital expenses overseas?
No, this policy covers medical expenses incurred for getting treated in India only. Our Travel Insurance Policy can help you in this regard.
Is maternity covered? What are the coverage limits?
No, maternity care expenses are not covered by this policy.
How can I intimate TPA when there is an emergency hospitalization?
Helpline numbers are available on your Health Card provided to you. You may contact them any time for your hospitalization assistance.
Will my medical expenses be covered from day 1 of the policy?
There is a general waiting period of 30 days. Please refer to your policy documents. However, this waiting period shall not apply in case of accident.
Will I get any tax benefit?
Yes, the premium paid under this policy is exempted from Income Tax under section 80D. The limits of exemptions are as per Indian Income Tax Act.
What is the Hospitalization Cash Benefit provided by this policy?
Hospitalization Cash Benefit is an additional benefit provided by this policy. In case of hospitalization, the insured patient will be given Rs. 500/- per day for every 24 hours of completion of his/her stay in the hospital subject to the following:
- This benefit will be provided upto 20 days for an insured person and upto 60 days for all Insured persons covered by the policy during the entire policy period.
- This benefit is applicable only if there is an admitted liability in expense related to hospitalization.
What if my hospitalization period extends beyond 20 days?
Convalesence Benefit is another additional benefit that this policy provides. In such cases, a lump sum of Rs. 10,000/- per insured person will be given for hospitalization subject to a maximum of Rs. 20,000/- for all insured persons during the policy period.
This benefit is applicable only if there is an admitted liability in expense related to hospitalization
This benefit is applicable only if there is an admitted liability in expense related to hospitalization
Can I insure my parents who are aged above 65 years?
While parents upto 50 years can be covered online without any medical documents, you may approach our nearest branch for getting insurance for parents upto 65 years. Once you cover your parents within the specified age you can have their cover renewed upto 70 years.
