FAMILY FLOATERS: These plans consist of shared Individual Health Plan.

The benefits are mostly the same, but the sum insured limit is shared by all the family members covered under the plan. This reduces the need for you to pay from your pocket. It comes at a lower premium. This type of cover has certain restrictions like, it has an upper age limit of 55 years or 60 years. Moreover, coverage of children under this policy will cease once they reach 25 years. Therefore, a family floater is more suitable for a young family.

Compare Family Health Insurance Plans

ICICI- LOMBARD Coverage Family Floater 30 days prior and 60 days after hospitalisation Pre & Post Hospitalization Expenses Star Package 60 days prior and 90 days after hopitalization Health shield 30 days prior and 60 days after hospitalization. Health Wise policy Reliance Standard: 30 days prior and 60 days after hospitalization, Reliance Silver: 60 days prior and 90 days after hospitalisation Covered Family Health Optima 30 days prior and 7% of the hospitalisation expenses in Post hospitalization, max up to Rs. 5000 It ranges from Rs. 500-Rs. 1500 depending on the city Covered Chola Family Insurance Plan 60 days prior and 90 days after hospitalization Bajaj-Allianz Royal Sundaram Reliance General Insurance Star Health Cholamandalam

Covered No limit Room & Boarding Expenses Covered after 4th year Pre-existing diseases

Covered, No Limit

Reimbursment up to 1.5%

Rs. 1500-Rs. 3000

Covered after 4th year

Covered after 4th year

Reliance Silver Covered after 2nd year Reliance StandardCovered after 4th year

Senior most family member: 19 - 60 years (Renewable till of 70 years) Others members: less than 19 years Eligibility

18 yrs - 55 yrs Self, Spouse and 3months - 65 years. (Renewable till dependant parents of 70 years) up to the age of 50 Children 3 yrs years and dep - 5 yrs if both children(91 daysthe parents are 18 yrs) insured, 6yrs 18 yrs if one parent is insured. over 2400 hospitals in India over 2000 hospitals in India Limit shall be increased by 5% every year, max up to 10 years Over 4,300 hospitals in India. 5% on every claim renewal max up to 50%

5 months - 60 years

up to 55 yrs for proposer and 65 for parents

over 3500 network hospitals in India Cashless Facility sum assured increases by 5% every claim free year upto a maximum of 50% of original sum assured.

over 1300 hospitals in India

Bonus

5%

No

Family Discount

10-15% long 10% for covering 3 term discount, or more family if policy is members taken for 2 or more years covered emergency charges (upto Rs 1000) Above 45 years Ambulance referral facilities

Reliance Silver: up to Rs 750 Reliance Standard: up to Rs 500 covered from Rs 500 to Rs1000

10% discount on Premium on the renewal of the policy in the claim free year 750, max up to 1500

5% for 2 People, 10% for 3 or more peopple

Covered No Limit Ambulance Charges

coverage for expenses incurred on it to nearest hospital up to Rs 1000/-

Health Check-up

Above 55 years

Above 50 yrs

Above 45 yrs

Above 60 yrs

Cost of Health Check up

Free health check-up coupon for any one insured family member.

yes,reimburse yes, reimburse max up to Rs max up to Rs 1000/- after 4 750/- after 5 claim claim free free years years 0.5 lakhs to 10 lakhs 1.5 lakhs to 5 lakhs

free Check up after 4 claim-free renewals.

reimburse the exp incurred for general health and eye exam 2 lakhs to 10 lakhs

Sum-Assured

2 lakh to 4 lakhs

2 lakhs to 5 lakhs

1 lakh to 5 Lakhs

Health Insurance India Quote Contact: Ria Insurance Brokers Pvt Ltd, Om Plaza (1st Floor), 430/7, Sant Nagar, East of Kailash, New Delhi - 110065, Phone:011-41324957, 41623784, Mob:+91-8447757653, 8447757651 Email: ria1@surekhae.com, ibidelhi@gmail.com

Family Floater Health Insurance Products in India (for your entire family)
Policy information of health insurance products for families including comparison rates, policy language, coverage etc. Introduction: Family Floater Health Insurance in India

(1) What is the Concept of Family Floater? Coverage & Exclusion under Family Floater Insurance India

(2)

(3)

(4) Family Floater Premium Comparative Chart (6) Policy Wording /Proposal Form/ Brochure (9) Health Insurance -Below Poverity Line(BPL) Families

(5) Comparison of Family Floater Policies in India (7) Family Floater Coverage

a-Apollo Munich Insurance

b-National Insurance

(8) Product details of Various Companies for Family Floater Insurance

General/Health Insurance Companies Products

Apollo Munich Insurance Company Limited Easy Health Family Floater

National Insurance Company Limited PARIVAR Mediclaim for Family

Bajaj Allianz General Insurance Company Limited Family floater Health Guard Insta InsureI Family Floater Policy For Rs 1 Lacs Star Package

Star National Swasthya Bima Policy BOI National Swasthya Bima Reliance General Insurance Co. Limited Reliance Health Wise Policy

Royal Sundram Alliance Insurance Company Bharti AXA General Insurance Company Limited Limited Smart Health Essential Insurance Policy Smart Health High Deductibles Insurance Policy Smart Health Insurance Policy Cholamandalam Ms General Insurance Company Limited Family Health HDFC Ergo General Insurance Company Limited Health Suraksha (Individual & Family floater) ICICI Lombard General Insurance Company Limited Family Floater Health Insurance IFFCO-Tokio General Insurance Company Limited Swasthya Kavach (Family Health)
Life Insurance Companies Products

Health Insurance for Individuals and Family Health Shield Online Star Health And Allied Insurance Company Limited Family Health Optima The Oriental Insurance Company Limited Happy Family Floater Health Insurance / Policy Wording United India Insurance Company Limited Family Medicare Policy India Universal Sompo General Insurance Company Limited IOB Health Care Plus Policy

Aviva Life Insurance Company India Limited Aviva Life Shield Plus Bajaj Allianz Life Insurance Company Limited Family Care First Bharti AXA Life Insurance Company Limited EasyHealth

Life Insurance Corporation of India Health Protection Plus Health Plus Max New York Life insurance Company Limited Life Line Healthy Family Plan MetLife India Insurance Company Limited

ICICI Prudential Life Insurance Company Limited Health Saver, Medi Assure

Met Health Care

5- Comparison of Family Floater Health Insurance Policies in India with Various Parameter
Family Floater - 2 Adults - (Age 34, Sum Insured Rs. 5 Lakhs)
Companies/Parameter Apollo Munich s
ICICI Lombard Max Bupa National New India Oriental Reliance Insurance Assurance Insurance General

Star Health

Sum Insured

500,000

400,000 (Max SI Limit)

500,000

500,000

500,000

500,000

500,000

500,000

Name of Policy

Easy Health Standatd Family Floater Ins.

Family Floater Health Insurance

Heartbeat Family PARIVARGold Floater Mediclaim Health Mediclaim for Family Plan Policy

Happy Family Floater (Silver plan)

Reliance Health Star Family Wise Policy Health Optima Insurance Plan (Silver Plan)

Premium (including service tax)

8,075

6,854

14,887

7,102

8,736

6,883

12,477

6,530

Renewal upto what age

Life long

70 yrs

Life long 65 yrs

above 70 65 yrs yrs 30 days 30 days

upto 75 yrs 30 days

60 yrs

Cooling Off Period (days)

30 days

30 days

90 days 30 days

30 days

Exclusion till no. of yrs for ENT disorders and surgeries, Hernia, Ovarian upto 2 yrs or Pls Diseases, Hydrocele, Cataract, Surgery of benign refer to prostatic hypertrophy, the policy Fissure/ Fistula in anus, document Piles, Gout and s Rheumatism, Surgery of Gall Bladder etc. Pre-existing diseases (cover 3 Yrs after yr) Day Care Treatment Cashless facility & Network of hospitals Covered

upto 2 yrs upto 2 yrs or Pls or Pls refer to refer to 90 days the policy the policy document document s s

upto 2 yrs or Pls refer to the policy document s

upto 2 yrs or Pls refer to the policy document s

upto 2 yrs or Pls refer to the policy document s

1 or 2 yrs or Pls refer to the policy documents

4 yrs

4 yrs

4 Yrs

4 yrs

4 yrs

2 yrs

upto 2 yrs

Covered

Covered Covered

Covered

Covered

Covered

Covered

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Ambulance Charges

upto Rs.2000

Covered

Covered upto SI in Covered Network hospitals . Max Limit of

Covered

Covered

Covered

Covered

Rs. 2000 in case of Out of network hospitals Single Private Room (No Limit)

Room & Boarding Expenses No Limit

No Limit

1% of SI

1% of SI

1% of SI

No Limit

2% of SI, subject to Max. 4000/per day

Accidental Cover

Covered

Covered

Covered Covered Vouchers for 10% of NA renewal premium NA NA

Covered

Covered

Covered

Covered

No Claim Bonus / Cumulative Bonus

10%

5%

NA

NA

NA

NA

No Claim Discount

NA

NA

NA Not Covered 30

5% Not Covered 30

5%

10%

Free Health Checkup

Covered

Covered

Covered Covered

Covered

Covered

Pre-hospitalization (days)

30

30

30

15

60

upto 30 days upto 7% of the hospitalisatio n expenses

Post-hospitalization (days)

60

60

60

30

60

60

90

Maternity Cover

2 Years From Day 1 Upto 1 Year Born by Max Bupa No CoPayment for Out No of Network Hospitals

New Born Baby

NA

NA

NA

NA

NA

NA

NA

Child Vaccinations

NA

NA

NA

NA

NA

NA

NA

Cost of Medical Tests

Co Payment

No

No

No

No

No

No

Entry Age

18 yrs to 5 yrs to 60 yrs 60 yrs : Updated -

No Limit

35 yrs to 3months 21 yrs to 60 yrs to 70 yrs 55 yrs on 26 Service

3 months 5 months to to 65 yrs 60 yrs May,2011 10.30%

Note (Premium

Including

Tax

NA = Not NM = Not Max Bupa Premium Rates : Region National For more information/clarification : Pls refer to the policy documents.

Capital

&

Available Mentioned Bengaluru