Among various health insurance companies in India, ICICI Lombard is probably the best and many famous companies when it comes to availing family floater plan. As per family members health insurance, we all know that it is amongst the best health plans that go over your complete family members underneath the same identical health plan. One in the options that come with the plan is that it insures entire family for your total amount as compared to purchasing individual health plan very often involves paying premiums up against the policy purchased.
As per the ICICI Lombard family health care insurance policy, it covers loved ones (maximum 4) under single plan. In order to maintain total honesty featuring its commercial slogan Poorey parivaar ki poori suraksha (Absolute safety towards the entire family) ICICI Lombard ensures to supply its customers quality health-care plan at the most competitive price.
ICICI Lombard covers medical expenses due to medical emergency or hospitalization. If the patient is hospitalized for over a day, the cost of treatments including fees of treating doctor/surgeon, medical bills, room charges etc are covered. The insured person can avail pre and post hospitalization facility of 30 and 60 days respectively. Critical illnesses like swine flu/H1N1 influenza will also be covered under ICICI Lombard family health insurance policy.
Not covered
Critical illnesses like hysterectomy, hernia, cataract, D&C, dialysis, fistula, arthritis among others are certainly not covered for your initial two years. Certain medical disorders like HIV or AIDS and procedures related to war, nuclear weapon and strike aren't covered under the household health plans with the company.
Benefits
Entire loved ones are covered under single plan
Cashless hospitalization to a lot more than 4000 hospitals classified by the network hospitals with the company
Each insured member of the family gets free health visit coupon
Inpatient hospitalization without sub-limits charged on doctor's fee, room charge, hospital charge so on
Each claim is accompanied with additional sum assured made every year
No medical examination upto 55 years
Premiums amounts payable are not taxable
According to the ICICI Lombard family floater, you can contribute not a lot more than 4 family or else you ought to choose separate plan otherwise. Health plan with this type can only be obtained from your website of ICICI Lombard.
In a nut cell, ICICI Lombard has offered a good family medical health insurance plan for that people of India regarding their needs. The plan covers entire family members at affordable premiums.