ICICI Lombard Family Floater Health Insurance
If you are looking for the perfect family floater health insurance plan, then you can try looking at the ICICI Lombard Family Floater Health Insurance. Family floater plans, as wel all know, is the best way to get the health insurance for your entire family in a single policy. Unlike the conventional health insurance policy family floaters help you insure your family members for the total amount insured rather than having individual health insurance for each or the regular family insurance plans. Floater health plan help you get the full insured amount for all the members.
ICICI Lombard Family Floater Plan does just that by insuring your entire family (of up to 4 members) in one plan. Just like they say, “Poorey parivaar ki poori suraksha”. Just like any other health insurance plans there are some exclusions, coverage conditions, eligibility etc for this family floater plan as well.
Coverage:
- Expenses owing to medical emergencies or hospitalization for inpatient stay for at least 24 hours which will include the doctor or surgeon fees, room charges, medicine bill, etc.
- Pre-existing disease coverage will start from 4 continuous years of policy renewal.
- Even swine flu/H1N1 influenza are all covered under this plan.
- Medical coverage of 30 days pre and 60 days post hospitalization
Benefits:
- Floater benefit for the entire family
- More than 4000+ hospital network for cashless claims
- In-house health claims settlement with ICICI Lombard Health Care (no TPA)
- Free health check-up coupon for one member of the family insured
- No sub-limits applicable on doctor fees, room rental, hospital charges, etc.
- There is absolutely no co-payment on any diseases or hospitalization charges
- Additional sum insured for every claim free year
- Auto-renewal of policy for 1 or 2 years
- No health checkups needed for up to the age of 55 years
- Tax benefits on the premium paid
Not Covered:
ICICI Lombard Family Floater Health Insurance does not cover any illnesses or diseases incurred within the 30 days of the start of the policy except in case of accident. There are also some other diseases like cataract, (benign prostate hypertrophy) BPH, hysterectomy, hernia, fistula, arthritis, sinusitis, D&C, dialysis and much more are not covered for the first 2 years.
There is also some permanent exclusion this family floater policy, like for the non-allopathic treatment, HIV or AIDS, treatment arising from war, strike, nuclear weapons, etc. Any pre-existing diseases will be covered after the fourth policy year on onwards for all the policy members after 4 years of the policy.
Plans and Premium:
There are three slabs available namely 2 lakhs, 3 lakhs and 4 lakhs and the premiums vary according to the plan chosen as well as the number of members in the family floater option. Maximum 2 adults and 2 kids can be added in 1 plan and if more kids to be insured then a separate policy will need to be purchased. You have the option of buying this health insurance plan online via ICICI Lombard website and also opt for the EMI option for the same, all done via online and no need for any documentations or health checkups needed.
This kind of family floater plans are an excellent option for all those looking to get the full coverage for the entire family members at lowest possible premium in terms of health insurance.
Related Posts:
Did you enjoy this post? Why not leave a comment below and continue the conversation, or subscribe to my feed and get articles like this delivered automatically to your feed reader.
Comments
No comments yet.
Sorry, the comment form is closed at this time.