Do You Care For Your

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Family? If Yes, First

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Serving Our Customers Beyond Insurance
 Health Guard-Family Floater Policy
•Do you believe that family is the greatest
blessing to any human being?

•Are you worried about your savings in this

age of rising medical expenses?

•If the answers are yes, our Family Floater

Health Guard Policy is perfect for you!

Designed By: Freepik

 Family Floater Health Guard Policy
•Family Floaters Health Guard Policy is an
insurance place tailored for families.

• . It covers the entire family in a single plan.

•Thus, if any one of the members falls ill, the

coverage up to sum insured (amount of cover,
or maximum limit of the hospital costs to be
reimbursed by the insurance company that you
opt for your family) is available while the other
healthy members are also covered.

Your entire family will have wider coverage with

•

hospitalized members being supported by the

non-hospitalized one. This makes the plan more
beneficial for family insurance
Designed By: Freepik
 For Example
•Ramesh took a Family Floaters Health Guard Policy of Rs. 5 lakh covering
his spouse and two children.

•After 8 months, his wife was hospitalized and Rs. 1 Lakh was spent on the
treatments.

•Rs. 4 Lakh was available after the treatment with the family and this could
be used by anyone in the family (including himself, his wife and children) in
future.
 Coverages
• Medical expenses during
hospitalization: Covers in-patient
accommodation, boarding expenses,
nursing care or necessary medical
procedures and consumables.

• Pre and Post Hospitalization expenses:

Expenses incurred 60 days before the
hospitalization and 90 days after the
discharge due to a particular illness will be
paid by us.

• Emergency ambulance charges: A

reasonable cost for transferring you and
your family members in ambulance will be
Designed By: Freepik
covered.

• Medical check-up: If you do not claim for 4

continuous years, free medical check–up
can be enjoyed by you and your family.
Value Added Services
• OPD discounts at select outlets

• Discounts on Pathologies at select outlets

• Discount on Radiology at select outlets

• Discounts on Wellness Test at select

outlets

• Discounts on Pharmacy

• Many more lucrative health related offers

at selected outlets
Exclusions
• 4 years waiting period for pre existing
diseases.
• Diseases/Injuries at the time of proposing
the insurance.
• Certain diseases such as hernia, piles,
cataract, sinusitis shall be covered after a
waiting period of 2 years.
• Non-allopathic medicine.
• Congenital external are excluded
permanently.
• All expenses arising from AIDS and related
diseases.
• Cosmetic, aesthetic or related treatment.
• Use of intoxicating drugs and alcohol.
• Joint replacement surgery
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