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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.
Covered No limit Room & Boarding Expenses Covered after 4th year Pre-existing diseases
Covered, No Limit
Reimbursment up to 1.5%
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
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.
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
Health Check-up
Above 55 years
Above 50 yrs
Above 45 yrs
Above 60 yrs
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
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
b-National Insurance
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
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
500,000
500,000
500,000
500,000
500,000
500,000
Name of Policy
Heartbeat Family PARIVARGold Floater Mediclaim Health Mediclaim for Family Plan Policy
Reliance Health Star Family Wise Policy Health Optima Insurance Plan (Silver Plan)
8,075
6,854
14,887
7,102
8,736
6,883
12,477
6,530
Life long
70 yrs
60 yrs
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
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
Covered
Covered
Covered
Rs. 2000 in case of Out of network hospitals Single Private Room (No Limit)
No Limit
1% of SI
1% of SI
1% of SI
No Limit
Accidental Cover
Covered
Covered
Covered
Covered
Covered
Covered
10%
5%
NA
NA
NA
NA
No Claim Discount
NA
NA
NA Not Covered 30
5% Not Covered 30
5%
10%
Covered
Covered
Covered Covered
Covered
Covered
Pre-hospitalization (days)
30
30
30
15
60
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
NA
NA
NA
NA
NA
NA
NA
Child Vaccinations
NA
NA
NA
NA
NA
NA
NA
Co Payment
No
No
No
No
No
No
Entry Age
No Limit
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
&