Family Good Health Features & Benefits

With the increasing cost of health care and  incidences of hospitalization there is no other right decision than having Family Good Health Policy by your side. This is a single insurance plan under which you can cover yourself and your family against Pre-Hospitalization, Hospitalization, Post Hospitalization and Day Care expenses. Your choice of sum insured ranges from Rs.2 lakhs to Rs.5 lakhs.

Key Benefits of Family Good Health

1) Save tax under sec 80D of Income Tax Act

2) Instant policy, no documentation, no medical test up to 50 years

3) Get pre and post hospitalization coverage of expenses up to 30 and 60 days respectively

4) Cashless facility across 3,000+ network hospitals

5) Covers pre-existing diseases after 4 years

6) ISO certified claims process

7) Get Cumulative bonus for every claim free years from  5% up to 50 %

8) TPA Service - Get the benefit of 24 hours helpline service,  Ambulance Referral Service, track claims online, upload medical documents online

9) Daily cash benefit of Rs.500* for each completed 24 hours in hospital  payable  up to maximum of 20 days during policy period  and for a  maximum of 60 days for all insured persons of the family during the policy period.

10) Convalescence benefit of up to Rs.10,000* per insured person for hospitalization exceeding 21 days. This benefit is payable for maximum of Rs.20000/- for all insured persons of the family during the policy period.

Exclusive Features of Family Good Health

This Plan covers:

1) Pre-hospitalization Expenses - Expenses like consultation fee, medicines, and diagnostic studies incurred while diagnosing /  treating any disease/illness  for which  further treatment is taken as an inpatient.  Pre hospitalization expenses are covered for 30 days prior to date of admission in a hospital.

2) In-patient hospitalization Expenses - Expenses like room rent, consultation fee, surgeon''s fee, medicines, diagnostic studies , anaesthesia, blood, oxygen , operation theatre charges etc., while admitted into a hospital for a minimum period of 24 hours.

3) Post-hospitalization Expenses - Expenses such as consultation fee, physiotheraphy charges, medicines incurred related to disease/accident for which hospitalization happened  after one gets discharged and incurred within a period of 60 days after date of discharge.

4) Day Care Procedures - Coverage for medical expenses incurred for any daycare procedures that requires less than 24 hours of hospitalization.

5) Ambulance charges in an emergency, subject to a limit of Rs.1,000/- per claim.

6) Reimbursement of expenses of up to Rs.750/- per insured person towards Master Health Check up after each 4 consecutive claim-free year.

Important Exclusions:

There are certain conditions which are not covered under this policy. The company will not be liable to pay for any claim(s) arising under this circumstance. Please read this carefully before purchasing the policy:

> Pre-existing condition(s) as defined in the policy and declared by Insured during policy purchase will be covered only after 4 years of continuous coverage from the time of inception.

> Diseases contracted by the Insured persons within 30 days of policy commencement are excluded from scope of coverage.

> Diseases such as Congenital Internal Disease, Stone in urinary and biliary systems, Migrane/Vascular headaches etc., are not covered during first year of insurance.

> Diseases such as Cataract, Benign Prostatic Hypertrophy, Knee/Hip Replacement, Heart Disease, Chronic Renal Failure/ End Stage Renal Failure etc., are not covered during first two years of insurance.

If listed diseases in various waiting periods are pre existing diseases and they have been declared to us during policy purchase then the same shall be covered after 4 years of continuous coverage.

Please refer to the policy terms and conditions to get a full list of exclusions under this policy.