Health Insurance Plan

Key features of Family Plus are as mentioned below:

Coverage for 19 different relations in the same policy.

• Legally married spouse as long as he or she continues to be married to You
• Son
• Daughter-in-law
• Daughter
• Father
• Mother
• Father-in-law as long as Your spouse continues to be married to You
• Mother-in-law as long as Your spouse continues to be married to You
• Grandfather
• Grandmother
• Grandson
• Granddaughter
• Son-in-law
• Brother
• Sister
• Sister-in-law
• Brother-in-law
• Nephew
• Niece

1. A unique combination of Individual SI+ Floater SI in the same policy.

2. No upper age limit for enrolment in policy.

3. Access best class healthcare facilities with no capping in terms of Room Rent, disease specific sublimits, etc

4. Cashless hospitalization across 5000+ network hospitals across India

5. Easy documentation and hassle free claim settlement

6. Zonal Pricing depending upon the location of your stay. Pay less if you do not stay in Metro Cities and Gujarat State.

Key Notes:

⁽¹⁾ It is mandatory to choose 1 base sum insured & 1 floater sum insured. The chosen base sum insured will be same for all covered members.

⁽²⁾ Baseline cover includes

• 36 month waiting period for pre-existing conditions.
• 2 year waiting period for specific 17 diseases/conditions.
• 30 day Initial waiting period from inception.
• Entry age for adults is 18 years onwards and children is from 91 days onwards. New born Children can be added to existing policies at renewal.
• Zone 2 is priced 15% lower than zone 1 (For eg, if Zone 1 is priced as Rs.100, then zone 2 will be priced at Rs. 85)
• Indicative list of day care procedures has been given in the policy document.

⁽³⁾ Option of applying Disease specific loading or Co-pay for certain chronic diseases as a part of medical

underwriting.

⁽⁴⁾ Re-load of Sum Insured - Reinstate sum insured up to base sum insured. Applicable for different illnesses. Reload will be triggered only once in a policy year and only after the base SI + Floater SI is exhausted. The reloaded SI can be jointly or severally used by all insured members, up to the available limit.

⁽⁵⁾ Vaccination for Animal Bite (Post Bite Treatment) - OPD Benefit up to defined limit as part of Overall limit.

⁽⁶⁾ AYUSH Treatment - Inpatient Treatment taken up in authorised Government Hospitals.

⁽⁷⁾ If due to your health condition you cannot be moved to a hospital or a bed is not available in hospital, we will reimburse the medical expenses incurred for treatment taken at home as long as it involved medical treatment for a period exceeding 3 days.

⁽⁸⁾ 2nd Opinion for following critical illnesses are covered: Cancer, First Heart Attack, Open Chest CABG, Open Heart Replacement or Repair of Heart Valves, Coma, Kidney Failure, Stroke, Major Organ/Bone Marrow Transplant, Permanent paralysis of Limbs, Motor Neuron Disease & Multiple Sclerosis.

⁽⁹⁾ Preventive Healthcare & Wellness Benefit to offer various health related articles on your registered email Id and doctor on email chat.

⁽¹⁰⁾ Maternity Benefit - Covers up to 2 deliveries if at least 2 adults are covered under the same policy. 24 month waiting period applies to maternity cover including all attached new born baby cover benefits.

^(#) - Vaccinations would be covered till the next policy anniversary after which the new born baby has to be included in the policy for the coverage to continue.

⁽¹¹⁾ Nutrition allowance covers cost of nutritional food supplements & medicines which inter alia includes food supplements advised by medical practitioner for nutrition enriched diet viz calcium tablets, vitamins, tonics, fresh/dry fruits & vegetables to be given to mother post birth of child to recuperate. Fixed benefit payable in the form of a postdated cheque, 2 months after delivery. This is a first of its kind offering in the health insurance industry.

Note: Policy offers a combination of individual sum insured and floater sum insured in the same policy. Minimum 2 members need to be covered in the policy. The following relations of the proposer are allowed to be covered in the policy.

Spouse as long as he or she continues to be married to you, Son, Daughter-in-law, Daughter, Father, Mother, Father-in-law as long as your spouse continues to be married to you, Mother-in-law as long as your spouse continues to be married to you , Grandfather, Grandmother, Grandson, Granddaughter, Son-in-law, Brother, Sister, Sister-in-law, Brother-in-law, Nephew and Niece.

If you ever exhaust your health cover due to claims in a given year and there is a further claim either by you for a different illness or your insured family member, we will reload the entire Individual sum insured of your policy at no extra cost. Reloaded sum insured will help you to settle those claims.


We will provide a Re-load equal to 100% of Individual Sum Insured of any one Insured Member. Re-load benefit will be applicable as under:

a) the Individual Sum Insured, No Claim Bonus (if any) and Floater Sum Insured  is exhausted as a result of previous claims in that Policy Year; AND

b) The Re-load Sum Insured shall be activated in following conditions:

• Re-load can get activated for same Insured Member in the same Policy year for different illness/injury other than the illness/injury for which claim has already been paid in the current Policy year and/or;
• Re-load can get activated for different Insured Member in the same Policy year
• Re-load benefit once activated for any one of the Insured Member and can be used jointly or severally.
• Re-load once activated for any one of the Insured Member will not get activated again for another Insured Member in the same Policy Year.

c) If the Re-load Sum Insured is not utilised in a Policy Year, it shall not be carried forward to any subsequent Policy Year.