Family Floater Health Insurance Policy

PolicyandFunds.com we are one of the top Health Insurance Agent in Chennai, India. We are helping to choose perfect FAMILY FLOATER HEALTH INSURANCE POLICY / FAMILY MEDICLAIM POLICY to our clients. Advantage of Family Floater Policy: Higher Sum Insured, Tax Benefits under Section 80(D), Greater Medical Coverage and Easy to add new family member(s).

What Is Family Floater Health Insurance Policy / Mediclaim Policy?

Health Insurance Family Floater Policy, is a plan that is particularly customised for families. As the name suggest the whole family will be covered under this insurance plan.This family floater plan is directly proportional to the individual plans of health insurance. The only difference is that it will cover your entire family and not only an individual.

Want to save your loved one from health risk? Just select a family floater plan today. Policies that offer family benefits will definitely relieve you from the task of maintaining and keeping track of several individual insurances policies & decrease yours spend. The fantastic benefit that we could have in the family floater plan is that if you need more money to be spent for a person in a family regarding the health then the amount of others in the same family could be used.

Let’s now discuss about the people who all will be covered under this plan. They are Individual, Spouse and their children. Some insurance providers do have provision to cover dependent parents, siblings and parents-in-law also. Make a wise decision in selecting your plan. Selecting a health insurance plan is not a cakewalk. Need some expert advice on it. We PolicyandFunds consultants are there to help those who need guidance in selecting the family floater plan.

Eligibility

• Person age between 18 – 65 years, living in India, can take this policy.

Main Features and Advantages of Family Floater Health Insurance / Mediclaim Policy in India

• One policy, gives wider range of coverage for whole family with affordable premium rate.
• Avail more sum insured
• Ambulance Fee on road and Air Ambulance Fee
• Cashless Treatment
• Easy to Health Insurance Portability
• Free Medical Check- Up
• In House Claim Settlement
• No Claim Bonus
• Pre and Post Hospitalization
• Room Rent Cover
• Tax Benefits under Section 80D
• Third Party Administrators some health insurance companies and some of them In house claim settlement.
• Health Check up benefit for every year
• Benefit of Automatic restoration of Sum insured by 100%
• New born baby cover from the 16th day onwards.
• Expenses of Donor covered for organ transplantation.
• Domiciliary Hospitalization Expenses covered for treatment exceeding more than 3 days.
• Cover for all day care procedures
• The Sum Insured as determined for the proposer under the policy, is accessible for any or every one of the individuals from his/her family for claims during the tenure of the policy.
• The Family Floater Mediclaim Policy Covered:
  • Self
  • Spouse
  • Dependent children
• Surgeon, Anaesthetist, Consultants, Oxygen, Blood,Specialist Fees, imaging modalities and Medicines and Drugs Oxygen, Medical Practitioner, Operation theatre, Operation Theatre, Diagnostics, Diagnostic and Cost of pacemaker.

Steps involving to register Your Health Insurance Claim with Health Insurance company

First Step: Complete details about Doctor advises of treatment or hospitalisation.

Second Step: Register your claim with the Health insurance company.

Third Step: For Cashless Claim – May Visit Network Hospital for the treatment. (Or) Can Reimbursement the Claim –  Treatment taken at the Non linked network Hospital.

Fourth Step: Cashless Claim –  Contact to avail the cashless treatment TPA or In-House Claim of health insurance company, this process generally will followed by the Hospital Insurance Help Desk for arranging cashless treatment.

Reimbursement Claim – Once treatment have taken Submit your documents within 15 days of discharge from the hospital for reimbursement.

Intimating the claim keep ready with the below Documents

• Current Health Insurance Policy Number
• Contact details of Insured / Claimant
• Name of Insured person or claimant person, who is admitted for hospitalised
• Intimate the information when register the claim relationship of insured with the patient person who is admitted for treatment.
• Name of the hospital admitted for treatment
• Person admitted what nature of ailment
• Information of date & time of accident if that is accident case
• Where the accident happened if that is accident case  

Health Insurance Policy Reimbursement Claim Process

Documentation are Required:

The following documents are required apply for health insurance claim:

• Which is Duly filled claim form by the proposer
• Treating Doctor signed Medical Certificate.
• Complete Discharge summary.
• Complete bills and receipts which is original
• Prescription of medicine and cash memos from the treated hospital pharmacies.
• Report of investigation
• For accident case, the FIR or Medico Legal Certificate (MLC) is required.

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