ICICI Lombard Family Floater Health Insurance

ICICI Lombard Family Floater medical insurance policy provides cover to the entire family against costs incurred during sudden illness, surgery and accidents. The benefits under this policy can be availed any time of the year by any of the family members covered under this policy.

• No health check-up up to the age of 55 years
• Provides cover for surgery and accidents against terrorist activities
• Covers Swine Flu / H1N1 influenza
• Cashless claims facility
• No sub-limits on room-rent, doctor’s fees and charges for diseases (except cataract)
• No co-payment required (policyholder does not have to bear any percentage of the claim amount)
• EMI option available for policy over Rs.10,000
• Policy cover also available for 2 years apart from the standard 1 year cover
• Renewable up to the age of 70 years

• All medical expenses incurred during hospitalisation as an inpatient which includes accommodation or room charges, fees paid to doctor or surgeon, medicines bills, etc
• Medical expenses incurred prior to hospitalisation and post-hospitalisation
• Also covers many day care procedures which do not require 24-hours hospitalisation such as X-ray, Chemotherapy, Radiotherapy, operation of cataract or tonsils, etc
• Pre-existing diseases covered after 4 continuous years of policy

• Free coupon for a health check up, for any one insured member.
• If no claims are made, then an additional sum assured of 5% is given to the policy holder on renewal provided
• Floater benefit is available for family members who are not over 60 years of age
•  An adult can also cover children aged between 91 days to 5 years

• An individual and / or his spouse
• Dependent children
• Dependent parents

• Any treatments within the first 30 days of policy commencement except those arising from an accident
• Pre-existing diseases or conditions are not covered for the first  4 policy years
• Expenses arising from HIV, AIDS and related diseases, intentional self injury  
• Non-allopathic, cosmetic and obesity treatment, and pregnancy and childbirth  related complications,
• Abuse  of liquor, drugs, intoxicants, hallucinogens
• Hospitalisation due to war
• Diseases existing at birth
• Two years exclusion for specific diseases (e.g. Piles, stones, hernia, arthritis, cataract etc.)