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This unique health policy covers you not only for hospitalization expenses but also for Out Patient Treatment expenses (OPD expenses) caused by, including but not limited to, accidents arising out of terrorist activites. Save tax under Section 80 D of the Income Tax Act. Calculate your exact tax gain through our online Tax Calculator.

	Covers Outpatient Department (OPD) expenses, such as diagnostics tests, dental treatment, medical bills, ambulance charges etc
	Avail Cashless Claim facility at 3,500 network hospitals across India A maximum of 2 adults can be covered under a single policy.
	Avail tax benefit under Section 80 D of the Indian Income Tax Act, 1961 *
	Pre-existing illness covered after two years, subject to continuous renewal of the policy.
	No co-payment is applicable for this product
	No sub-limit is applicable for this product except for cataract (up to Rs. 20,000)
	Insurance against Terrorist activities.
	Buy Online through ICICI Bank, HDFC Bank and Citibank Credit card and pay in EMIs without any extra charges**
	Now, get covered against Swine Flu / H1N1 influenza in case of hospitalization#

* Tax benefits are subject to changes in tax laws ** EMI facility available only for ICICI Bank, Citibank, HDFC Bank (upto 6 months) credit card customers at the sole discretion of the Banks. Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more.

# If it's not a pre-existing illness

Coverage Details		Coverage Amount	Platinum Plan Age 1 to 70 years	Gold Plan Age 1 to 70 years
1)	Medical Cover* @	US$ 50,000 to 250,000
2)	Cashless hospitalisation worldwide
3)	Daily allowance for hospitalisation$	US$ 25 (for 5 days)		-
4)	Dental Treatment*	US$ 250
5)	Passport Loss**	US$ 200
6)	Checked Baggage Loss	US$ 500
7)	Checked Baggage Delay+	US$ 100
8)	Personal Accident	US$ 15,000
9)	Personal Liability	US$ 100,000
10)	Financial Emergency Assistance	US$ 300
11)	Hijack Distress Allowance*** (7 days max)	US$ 125 per day
12)	Trip Cancellation & Interruption+	US$ 500		-
13)	Missed Connection*	US$ 500		-
14)	Trip Delay*	US$ 500		-
15)	Home Insurance # - Building - Content	Rs. 2,000,000 Rs. 500,000		-
16)	Repatriation of Remains	US$ 7,000
17)	6 Months Policy extendable upto 360 days
Scenario 1 : Premium for an individual, aged 35 years, traveling to USA for 30 days		Insured for US$ 100,000	Rs. 2,455	Rs. 1,714
Scenario 2 : Premium for an individual aged 65 years, traveling to Europe for 30 days		Insured for US$ 100,000	Rs. 3,981	Rs. 2,690

*Deductible of US $ 100 - Applicable for each separate claim.

** Deductible of US$ 50 - Applicable for each separate claim.

# On value - Building insured on reconstruction value, Contents insured on their present market value.

$ 2 days deductible - If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period.

+ 12 hours delay - Applicable if baggage is delayed for more than 12 hours from actual arrival time of common carrier.

	The enrollment age (of senior most member) can be between 5 to 65 years of age
	Maximum two adults can be covered under a single policy.
	The Proposer needs to be above 18 years of age.
	No health check-up up to the age of 55 years (age as on last birthday).
	The policy cover is renewable till the age of 70 years.
	Income Tax benefit u/s Sec. 80D of the Income Tax Act, 1961 can only be availed for polices bought for self, spouse, dependent children or parents.

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: 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 two 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.

Frequently Asked Questions (FAQs)

I already have a health insurance from my employer. Do I still need Family Floater?

Yes. Your employer will cover your medical expenses only as long as you are providing him services. But if you change your job, retire or start something of your own venture, your personal health policy would be your shield. Secondly, the extent of cover offered by the employer may be below than what your need. The Family Floater policy will supplement your existing medical policy. Also, Family Floater provides a cover for all the insured family members under a single policy.

Do I get multiple health cards for every individual covered?

Yes. Although all the members are covered under one policy, each one of them shall get an individual health card.

How do I select the appropriate cover amount?

Consider the following factors Frequently Asked Questions (FAQs)

Your age: Age is a critical factor for determining the cover since health risk increases with age.

Pre-existing / hereditary diseases: Pre-existing diseases are covered subject to sub-limits and waiting period. For example: A person whose parents suffer from Diabetes is more prone to the same disease,here we recommend a higher cover at an early age in order to cover such pre-existing diseases.

Financial status: Consider your financial status and lifestyle before selecting the coverage amount.

Does a higher cover guarantee better protection?

A higher cover protects you from a medical emergency, which can burn a hole in your procket. Today, people are more prone to various ailments and health problems due to fast-paced lifestyle and erratic schedules. Rising medical cost is a major deterrent, and thus, a higher cover would guarantee you a better protection.

When do I have to take a medical check-up? What is the period for the medical check-up i.e., from the start date of the policy?

On purchase of the policy, we would inform you on the medical check-up routine. Ideally, the check-ups are conducted within 5 days of paying the first premium.

How can I obtain a hard copy of my policy?

You can select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days.

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FAQs

Policy Exclusions

Permanent Exclusions


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