Money Saver Family Floater

Money Saver - Family Health Insurance Plan
Get comprehensive coverage of Rs 30 Lacs at just Rs 620/month

In-patient Care : Covered up to sum insured
Cover Available : Up to Rs 1 Cr
Health Check Up : Annual
Hospital Cash : Up to Rs 2,000/- per day

Family Combination Applicable : Up to 2 Adults & 4 Children
Cover starts from : Rs 10.5 lakhs - Rs 1 crore
Premium starts from : Rs 8,181 /Yr

Pharmacy & diagnostic services
Get discounts through our empaneled service provider

e-Consultation
Avail unlimited tele consultations

Re-fill benefit
Get refill benefit, even if you have exhausted partial/ full base SI

Health check-up
Pick tests based on your needs and avail cashless health check-ups

Accumulated Bonus
Accumulated Bonus does not reduce even after claims.

All Day Care Treatment
Your health insurance will cover host of dental, ENT procedures and more

Hospitalization
IN-PATIENT CARE (HOSPITALISATION)
Get cashless coverage for hospitalization expenses for all insured members at network hospitals

EMERGENCY AMBULANCE
The policy covers the cost of the ambulance. These expenses are paid once we have accepted the inpatient claim

HOSPITAL ACCOMODATION
Get coverage for all hospital accommodations up to a single private room without any room rent capping under this policy

DOMICILIARY HOSPITALISATION
The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor's advice

PRE & POST HOSPITALISATION MEDICAL EXPENSES
The policy covers expenses 30 days before hospitalization and 60 days post-discharge

DAY-CARE TREATMENT COVERED
Your health insurance will cover a host of dental, ENT and other procedures

ORGAN TRANSPLANT
Medical expenses for an organ donor's inpatient treatment for the harvesting of the organ donated is also covered

Standout Features
FREE LOOK PERIOD
You have up to 15 days after purchasing the insurance to cancel the plan with refund

CASHLESS FACILITY
Avail services at our network hospitals on a cashless basis

RENEWAL FOR LIFE
The policy assures you renewability for life with no extra loadings based on your claim history

DIRECT CLAIM SETTLEMENT
There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

TAX BENEFIT
Save taxes under section 80D of the income tax act when buying your health insurance policy

ALTERNATIVE TREATMENTS
Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured

HEALTH CHECK-UP
Schedule Heath checkup for defined list of tests for yourself & other adult members of your family

Add-on Features

PERSONAL ACCIDENT COVER
Secure your family's finances against
personal accidents

HOSPITAL CASH
Get a lump sum payment each day for each 24 hours of hospitalization in addition to the in-patient treatment benefits. This benefit is in addition to the sum insured

CRITICAL ILLNESS COVER
Get coverage against illnesses like cancer, kidney failure etc. depending on the base sum insured

Exclusion

PERMANENT EXCLUSIONS
Ancillary hospital charges
Hazardous activities
Artificial life maintenance
Behavioral, Neurodevelopmental and Neurodegenerative Disorders
Circumcision
Conflict & disaster
External congenital anomaly
Convalescence & rehabilitation
Cosmetic and reconstructive surgery
Dental/oral treatment
Eyesight & optical services
Experimental or unproven treatment
Hospitalization not justified
Inconsistent, irrelevant or incidental diagnostic procedures
Non-medical expenses
Obesity and weight control programs
Off- label drug or treatment
Puberty and menopause related disorders
Reproductive medicine & other maternity expenses
Robotic assisted surgery, light amplification by stimulated emission of radiation (LASER) & light based treatment
Sexually transmitted infections & diseases
Sleep disorders
Substance related and addictive disorders
Unlawful activity
Treatment received outside India
Unrecognized physician or hospital
Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded.

WAITING PERIOD
Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal
Initial waiting period of 30 days unless the treatment needed is the result of an accident.
Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)
Please note that Waiting Periods shall not apply to e-consultation, Personal Accident Cover and Critical Illness Cover.