Family Health Insurance Online

Family Health Insurance Online is a comprehensive package specially designed to offer complete protection and Health Insurance coverage to the insured and his family. You can cover you, your spouse, children (above 90 days) and dependent parents (up to 50 years) from all Health worries. However, Renewals will be accepted up to the age of 70 years for adults and up to the age of 21 years for dependent children.

Health Insurance Coverage Options available under this policy:

Coverage for 2 adults
Coverage for 2 adults + 1 Dependant Children
Coverage for 2 adults + 2 Dependant Children

Floater Sum Insured: The hospitalization sum insured will be floater among all family members covered.

Family Health Insurance Coverage Benefits

Instant Coverage
No Documentation required
No Medical Examination required
Income Tax benefit under section 80D of the IT Act
Cashless facility in more than 3000 hospitals across India

Features and Benefits Who can be insured?

Self
Spouse
Dependent Children (unmarried children, between 91 days & 21 years)
Dependent Parents up to 50 years of age

Renewals will be accepted up to the age of 70 years for adults and up to the age of 21 years for dependent children.

Period of Insurance applicable for this plan

One year and Two years

Sum Insured

The hospitalization sum insured will be floater among all family members covered.

Benefits

Expenses incurred towards inpatient hospitalization for a period more than 24hrs, for the illness / diseases contracted or injury sustained by the insured person during the period of Insurance.

Pre hospitalization and Post hospitalization expenses for 30 days and 60 days respectively
Ambulance charges in an emergency subject to a limit of Rs.1000/- per claim
Master Health Check up charge reimbursement to a maximum of Rs1500/- per Insured person after each 4 consecutive claim free year. This benefit shall not be available even if any one individual insured person makes a claim during the 4 consecutive period of insurance.

Cumulative Bonus

Sum Insured under the policy shall be progressively increased by slab of 5% for every claim free year of the policy subject to a maximum of 50%. Cumulative bonus will be reversed to 2 slabs in case of any claim.
Cumulative Bonus will not be considered while admitting liability for pre existing disease after 4 continuous years of insurance.

Expenses reimbursed under the Policy are subject to the following limits:

Room, Boarding Expenses as provided by the Hospital / Nursing Home subject to a limit of 2% of the Sum Insured and for ICU 4% of the sum insured.
Surgeons’ fees (including Assistant Surgeons’) are limited to 40% of the Sum Insured.

Maximum amount payable towards the treatment of following diseases is subject to a limit of:

Diseases / Treatment	Limit per person per policy period
Cataract	8 & of the Sum Insured
Piles, Fistula, Tonsities, Sinustis	10% of the Sum Insured
Benign prostatic, Hypertrophy, Hernia	20% of the Sum Insured
Joint Replacement	50% of the Sum Insured
Appendicitis and gall bladder stones and gynaec disorders including hysterectomy	20% of the Sum Insured
Dialysis, Chemotherapy and Radiotherapy	10% of the Sum Insured per month

The limit is applicable in respect of all claims preferred by each Insured Person (for the ailments / diseases mentioned above) for the Period of Insurance.

Important Exclusion

All diseases/injuries existing at the time of proposing this insurance. However these shall be covered after insurance for 4 continuous years.
Any disease contracted by the Insured Person during the first 30 days from the Commencement Date of the cover for that Insured Person.

Plan and Premium

Premium is based on age of Eldest member of the family and family size.

Premium for One Year with 10.3% Service Tax

Sum Insured	Option 1	Option 2	Option 3
Rs. 200,000/-	2 Adult	2 Adult + 1 Child	2 Adult + 2 Children
Age upto 35 yrs	4,354/-	5,616/-	6,879/-
Age upto 45 yrs	5,514/-	6,772/-	8,098/-
Age upto 50 yrs	10,554/-	11,836/-	13,218/-
Rs. 300,000/-	2 Adult	2 Adult + 1 Child	2 Adult + 2 Children
Age upto 35 yrs	5,012/-	6,472/-	7,998/-
Age upto 45 yrs	6,087/-	7,593/-	9,048/-
Age upto 50 yrs	11,718/-	13,205/-	14,784/-

Premium for Two Years with 10.3% Service Tax.

Sum Insured	Option 1	Option 2	Option 3
Rs. 200,000/-	2 Adult	2 Adult + 1 Child	2 Adult + 2 Children
Age upto 35 yrs	8,723/-	10,670/-	13,068/-
Age upto 45 yrs	10,478/-	12,867/-	15,387/-
Age upto 50 yrs	20,053/-	22,491/-	25,114/-
Rs. 300,000/-	2 Adult	2 Adult + 1 Child	2 Adult + 2 Children
Age upto 35 yrs	9,523/-	12,295/-	15,177/-
Age upto 45 yrs	11,563/-	14,427/-	17,189/-
Age upto 50 yrs	22,265/-	25,089/-	28,089/-

Family Discount: No family discount is applicable for this plan.

Renewal Disclosures:

1. Premium will be charged based on the age band in the premium table and is subject to a maximum increase of 25%. Any further increase is subject to IRDA's approval.

2. In case of a claim during the expiring policy then the renewal premium will be loaded as per the following grid Ratio of:

Claims to Premium	Loading %
Upto 400%	Nil
400% to 800%	25%
800% to 1200%	50%
1200% to 1600%	75%
Above 1600%	100%

3. Any change in the terms of cover during renewal shall be subject to IRDA's approval & a notice of 90 days before expiry of the policy shall be given.

4. The sum insured can be enhanced at the time of renewal upto a maximum of 100% of the expiring sum insured if there are no claims lodged / paid during all years of insurance and the age of the insured person is under 45 years. Such increased sum insured shall however not be applicable for treatment of diseases contracted prior to such increase and also in respect of any pre-existing diseases at the time of enrolment under this policy. However the quantum of increase shall be at the discretion of the company.

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