https://www.mohindrainvestments.com/family-floater-health-insurance/
www.mohindrainvestments.com
Family Floater Health Insurance
01
Family floater health plan means health insurance that
which
family
for
covers a
more
fixed
than
sum
one
member
assured. Family
of
a
health
policy provides coverage for two or more members in
a
family
time.
in
Family
the
health
same plan
policy
and
normally
at
the
covers
same
you
and
your spouse along with up to 4 children. But some insurance parents
companies
in
This
family
and
your
floater plan
your
existing
floater
complete
health
when
it
allow
health
health
comes
to
to
is
in
one
the
include
insurance
insurance
family
insurance
you
best
protecting
policy.
Protects
policy.
your
you
A
family
family
health
the
health
of
your loved ones. Family health insurance plan is the best key to full fill the heavy hospital bills at the time
of
hospitalisation.
Family
helps in financial emergencies.
02
insurance
policy
FAMILY FOOTER HEALTH INSURANCE PLAN COVERS In-patient Hospitalization: Medical expenses are covered at the time of hospitalization. Suppose one family member is hospitalized for more than 24 hours, the insurance company will pay the cost of hospital bills up to your sum insured. Pre-hospitalization Expenses: It means the amount used before hospitalization are named as pre-hospitalization expenses. For example, X-ray, MRI, blood test, urine tests, OPD, etc. are covered. Post-hospitalization Expenses: It means medical expenses suffered after discharge from the hospital. For example, medicines or any medical tests are done after the discharge to check the improvement of a patient is covered in this policy. Restore Benefit: This feature helps to restore the basic plan cover (sum insured) in case the coverage gets exhausted. However, restore benefit is applicable only for unconnected claims. Day care treatment: Day care treatments means that treatments that do not require 24 hours of hospitalization. Ambulance Charges: In family health insurance policy companies offering ambulance charges in case of emergency. The cost of the emergency ambulance charges is including in your policy. Hospital Cash: Hospital cash provides a lump sum amount from the insurance company in case of hospitalization or this amount other basic requirements of the person attending the patient.
03
Family Footer Health Insurance Plan not Covers (Exclusions) Claim raised within the 30 days period of the health
insurance
policy
(except
accidental
case). Any sexually transmitted diseases. Any treatment related to fertility issues. Any
treatment
and
expenses
incurred
due
to
routine medical check-ups. Any
treatment/surgery
is
done
for
gender
reassignments or for gender change. Any treatment is undertaken abroad.
04
05
8 THINGS TO CHECK BEFORE BUYING FAMILY FLOATER HEALTH INSURANCE Family floater health insurance plan you are choosing. Basic coverage under a family health plan. Claim Settlement Ratio of the company. Premium they are offering. Ask for the maximum renewal age. Flexibility to increase the sum assured of a family floater health plan. Get hassle-free claim settlement. Avail seamless cashless hospitalization.
Cashless Mediclaim Policy for Family It
means
amount your will
that
on
paid
Cashless hospitals. have can
to
bills.
insurance by
your
facility The
tie
avail
insured
hospital
health be
the
up
the
is
You
card
health
cashless
all
only
to
have the
insurance
insurance
the
have
just
and
available
health with
don’t
in
spend to
only
show
expenses
company. the network
company
hospital,
any
should
then
you
feature.
06
Advantages of a Family Health Plan
07
Cover the cost of treatment for the entire family The premiums are affordable Every covered member gets high coverage Maternity coverage is allowed under many plans You can choose for a comprehensive cover New members can be easily added You get tax benefits
06
Family Floater Health Insurance Premium is calculated The health insurance premium is calculated based on the Sum Insured you have opted for and the age of the senior most person of the family. The premium will increase based on the age of slabs according to the premium chart. In case of PSU companies such as National Insurance, The New India Assurance, The Oriental Insurance and United India Insurance the premium can increase without a change in age slab if the person has taken claim in the last year. They charge loading on it and thus your premium will increase. 08
Contact Information ADDRESS GA-6, Gali No. 6, Shiv Nagar, Hari Nagar, New Delhi – 110058
PHONE
NUMBER
+91-7838904326, +91-9968517159
ADDRESS
info@MohindraInvestments.com
09
THANK YOU