ICICI Lombard - Family Floater Insurance Brochure

 

Family Floater health insurance covers your entire family under one policy. This plan is based on the floater concept, where the cover gets shared amongst the members of your family. Secure your family against financial emergencies during sudden illness, surgeries and accidents as well as against terrorist activities. Avail tax benefits under Section 80 D. Anyone in your family can avail of this cover. It can be you, your spouse or your child. Example: Mr. Kumar, his wife and their son are covered for Rs. 2 lakh each, under a regular health policy. They would have paid premiums for 3 two-lakh policies. In an unforeseen situation wherein a surgery and post-hospitalisation bill of their son amounts to Rs. 2.4 lakhs, the regular health policy would cover Rs. 2 lakh while Mr. Kumar would have to pay the balance Rs. 40,000, even though there was no claim from Mr. Kumar and his wife. With Family Floater, the cover of Rs. 3 lakhs would be shared among the entire Kumar family, thus making availableto every member a cover of Rs. 3 lakhs. Mr. Kumar would have thus the entire Rs. 2.4 lakhs medical expenses covered for his son.   KEY BENEFITS Free health check-up coupon for any one insured family member. No health check-up up to the age of 55 years (age as on last birthday)   Avail Cashless Claim facility at 3,500+ hospital network across India   Avail tax benefit under Section 80D of the Indian Income Tax Act 1961.* *Subject to changes as per tax laws   Cover your family under one policy Options for one or two year covers available. Avail 5% discount on premium for every claim free year, subject to a maximum of 25%. Buy Online through ICICI Bank, HDFC Bank and Citibank Credit card and pay in EMIs without any extra charges. ^ ^(Conditions Apply). EMI facility available only for ICICI Bank, Citibank, HDFC Bank (upto 6 months) and credit card customers at the sole discreation of the Banks. Note: EMI option subject to minimum annual premium of Rs. 1500   POLICY COVERAGE The policy covers the following medical expenses : Incurred as an inpatient during hospitalization for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines bills, etc. Medical expenses incurred 30 days prior to hospitalization Medical expenses incurred 60 days post hospitalization Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24 hours of hospitalization. (including Dialysis, Radiotherapy, and Chemotherapy) Pre-exisitng diseases covered after 48 months of continuous coverage ELIGIBILITY The customer can buy the policy for any family member(s) children and/or dependent parents. The senior most person to be insured should be between 5 to 60 years of age. The Proposer needs to be aged above 18 years To cover children aged between 91 days to 5 years, the policy must also cover atleast 1 adult under the same policy. Children under less than 91 days old cannot be covered. The policy cover is renewable till the age of 70 years Income Tax benefit u/s 80D can only be availed for policies bought for Self, Husband/Wife, dependent children or dependent parents.   WHY BUY ONLINE Instant policy: Digitally signed policy available 24X7 online, customer can take prints. The hard copy of the policy is couriered the same day (or next day if customer buys after 6 PM) and will reach him/her within 2-3 working days. EMI without any extra charges# No Paperwork required   POLICY EXCLUSIONS Exclusions valid for the first 30 Days Any illness contracted within 30 days of the inception date of the Policy, except those that are incurred as a result of an accident. This clause is not applicable on the subsequent renewals Exclusions valid for the first 2 Years Treatment of the following diseases/illness/ailments: Cataract Benign Prostatic Hypertrophy Myomectomy, Hysterectomy unless because of malignancy Hernia, Hydrocele Fistula in Anus, Piles Arthritis, Gout, Rheumatism Joint replacement, unless due to accident Sinusitis and related disorders Stone in the urinary and biliary systems Dilatation & Curettage Skin and all internal tumors / cysts / nodules / polyps of any kind, including breast lumps, unless malignant / adenoids and hemorrhoids Dialysis required for chronic renal failure Surgery on tonsils, adenoids and sinuses Gastric and duodenal ulcers If the Policy is renewed with us for 2 consecutive years, the above diseases/illness/ailments will be covered from the 3rd year. If these are Pre-existing diseases at the time of inception of the policy, the same will be covered from the 4th year onwards. Permanent exclusions Any internal congenital illness. Non-allopathic treatment, pregnancy and childbirth related complications, cosmetic, aesthetic and obesity related treatment. Expenses arising from HIV or AIDS and related diseases, use or misuse of liquor, intoxicating substances or drugs as well as intentional self injury War, riots, strike, nuclear weapon, induced treatment.   HOW DO I CLAIM MY INSURANCE? In case of an emergency or planned hospitalization, just use your Health ID Card at the Service Provider's hospitals to avail cashless service. Call us at our toll free insurance helpline number at 1800 209 8888 for complete assistance. For treatment in non-network hospitals: The claim form must be duly filled after discharge from hospital and sent to the service provider's office along with the following documents in original *. Hospital Bill with Receipt for payment, the receipt should be stamped and preferably numbered. Doctors prescription and medicine bills. Discharge summary from the hospital. Pathological reports and other investigation reports along with the doctor's authorization. All other relevant details and documents connected to hospitalization. * Only expenses relating to hospitalization will be reimbursed as per the policy coverage. Non-medical expenses will not be reimbursed.   FAMILY FLOATER HEALTH INSURANCE POLICY PREMIUM TABLE Premium for 1 Year plans in Rupees Plan Details Plan A Individual Plan B 2 Adults Plan C 2 Adults & 1 Kids Plan D 2 Adults & 2 Kids Plan E 1 Adult & 1 Kid Plan F 1 Adult & 2 Kids Age of senior most family member 2 Lac 3 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 5 - 18 yrs. 1,956 2,250 - - - - - - - - - - - - - - - 19 - 35 yrs. 2,644 3,046 3,965 4,570 6,854 5,139 5,920 8,899 6,312 7,270 10,943 3,472 3,999 6,019 4,329 4,985 7,516 36 - 45 yrs. 3,312 3,679 4,968 5,519 7,702 6,141 6,869 9,746 7,314 8,219 11,791 4,023 4,521 6,485 4,831 5,460 7,940 46 - 55 yrs. 5,896 6,552 9,434 10,483 14,675 10,607 11,833 16,719 11,781 13,183 18,763 6,479 7,251 10,320 7,064 7,942 11,426 56 - 60 yrs.   8,026 11,557 12,841 17,977 12,731 14,192 20,021 13,904 15,542 22,065 7,647 8,548 12,136 8,125 9,121 13,077 FAMILY FLOATER HEALTH INSURANCE POLICY PREMIUM TABLE Premium for 2 Year plans in Rupees Plan Details Plan G Individual Plan H 2 Adults Plan I 2 Adults & 1 Kids Plan J 2 Adults & 2 Kids Plan K 1 Adult & 1 Kid Plan L 1 Adult & 2 Kids Age of senior most family member 2 Lac 3 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3Lac 4 Lac 2 Lac 3 Lac 4 Lac 2 Lac 3 Lac 4 Lac 5 - 18 yrs. 3,520 4,051 - - - - - - - - - - - - - - - 19 - 35 yrs. 4,758 5,484 7,137 8,225 12,338 9,250 10,656 16,018 11,362 13,086 19,697 6,249 7,197 10,834 7,793 8,974 13,528 36 - 45 yrs. 5,961 6,623 8,942 9,934 13,864 11,054 12,365 17,543 13,166 14,795 21,223 7,241 8,137 11,673 8,695 9,828 14,291 46 - 55 yrs. 11,203 12,448 17,925 19,917 27,882 20,154 22,483 31,766 22,384 25,048 35,650 12,311 13,777 19,608 13,421 15,090 21,709 56 - 60 yrs.   16,052 23,113 25,683 35,953 25,460 28,383 40,042 27,807 31,084 44,130 15,294 17,096 24,272 16,251 18,242 26,154   # EMI option is only for ICICI Bank, Citibank, HDFC Bank (upto 6 months) Credit Card customers at the discretion of the Banks. Disclaimer :India has no anti-spamming law; according to the US directive in Bill.1618 Title III by the 105th Congress, the e-mail cannot be considered spam if it contains the contact information of the sender,and an unsubscribe mechanism. Your privacy is very important to us. For more details on coverage, terms and conditions please read Policy Document carefully before concluding a sale Registered Office: ICICI Lombard General Insurance Company Ltd. ICICI Bank Towers, Bandra Kurla Complex, Mumbai - 51. Mailing Address: ICICI Lombard General Insurance Company Ltd. Zenith House, Keshavrao Khadye Marg, Mahalaxmi, Mumbai - 34. Please do not reply to this email id (except to unsubscribe). To unsubscribe : Reply with the word 'unsubscribe' in the message text Subscribe | Disclaimer | Feedback | Terms and Conditions ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of the solicitations.IRDA Reg. No.115 Misc 34E