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Family Medicare
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Synopsis:
The Policy provides cover on an Individual or Family Floater basis.

Highlight:

  • Sum Insured options of Rs 3 lacs, 4 lacs, 5 lacs, 6 lacs, 7 lacs, 8 lacs, 9 lacs, 10 lacs, 15 Lacs, 20 Lacs & 25 Lacs
  • One Yea Termr. Renewable annually.
  • Expenses in respect of the Cataract surgeries will be restricted to 10% of Sum Insured subject to maximum of Rs. 50,000/- per eye.
  • Mental illness covered upto 25% of Sum Insured subject to a maximum of Rs. 3,00,000 per policy year;
Benefit:
Title Description
Ambulance Expenses 0.5% of the Sum Insured subject to a maximum of Rs. 2500 per event and 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period
Automatic Restoration of Sum Insured For SI Rs.3 Lac & Above (Optional)
Co-Payment 10% For persons with age of entry above 60 years
Daily Hospitalization Allowance Optional
Day Care Procedure Coverage Covered
Donor Expenses Covered when insured person needs Donation and A lump sum payment of 10% of Sum Insured when Insured person is donor
Free Health Checkup 1% of Last 3 Years’ average SI Max Rs 5000/Person for Individual Policy and Rs 10000/Policy for Floater policy for block of every three claim free years.
ICU Daily Rent Limit For SI < Rs. 5 Lacs 2% of Sum Insured. For SI Rs. 5 Lacs and Above Actuals
Medical Screening Pre–acceptance medical check–up may be required at the Company’s discretion for all the members entering after the age of 60 years
Minimum Hospitalization Period 24 Hours
New Born Baby Cover New born Baby shall be covered from day one upto the age of 90 days
No Claim Discount 5% on renewal premium and for every subsequent claim free year subject to a maximum of 15%
Non-Allopathic Treatments 0.5% of the Sum Insured subject to a maximum of Rs. 2500 per event and 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period
Post Hospitalization Expenses 60 Days
Pre-Existing Disease / Illness coverage Pre-existing disease(s) covered after 48 months of continuous coverage.
Pre-Hospitalization Expenses 30 Days
Room Rent Limit For SI < Rs. 5 Lacs 1% of Sum Insured, For SI Rs. 5 Lacs and Above 1% of Sum Insured or Single Occupancy Standard AirConditioned Room Charges whichever is higher
Waiting Period for New Policy 30 days