Happy Family Floater Policy-2015



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Synopsis:

 

Happy Family Floater health insurance policy covers medical expenses incurred by the entire family under a single sum assured. Family includes self, spouse, children, parents and parent-in-laws

Highlight:

 
  • Mediclaim insurance cover for treatment against illnesses
  • Also Covers for accidental injuries and surgery requirement
  • No medical tests required up to 60 Years of Age
  • Cash allowance for the days admitted
  • Attendance allowance if a child between 3 months to 10 years is admitted
  • Add on option of Personal accident for self and dependents
  • Tax rebate available as per provision of Income Tax Rules under section 80-D

Benefit:

 
Title Description
Room Rent Limit Up to 1% of sum insured
ICU Daily Rent Limit Up to 2% of sum insured
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 Hrs
Day Care Procedure Coverage Yes
Pre-Existing Disease / Illness coverage After 48 months
Waiting Period for New Policy 30 days
Co-Payment Up to 10% of admissible claim
Ambulance Expenses Up to 1000 per illness, max 1% or 3000
Donor Expenses Yes
Nursing Allowance Up to 1% of sum insured per day
No Claim Discount Up to 5% on premium each claim free year max 20%
No Claim Bonus Yes, Upto 500000 of sum insured

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