Family Floater Mediclaim Policy covers the family members with one sum insured. All the terms and conditions of Individual Mediclaim Policy will be applicable for Family Floater Mediclaim Policy.
This insurance is available to persons between the age of 18 years to 60 years. The persons beyond 60 years can continue their insurance provided they are insured under Mediclaim policy with our Company without any break.
The policy covers hospitalization expenses for the treatment of illness/injury provided hospitalization is more than 24 hours. Pre-hospitalization expenses for 30 days and post hospitalization expenses for 60 days are also payable. Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where 24 hour hospitalization is not required. Ambulance Charges for shifting the insured from residence to hospital are covered up to the limits specified in the policy. Ayurvedic/Homeopathic and Unani system of medicine are covered to the extent of 25% of Sum Insured provided the treatment is taken in the Registered Hospital. Pre-existing diseases are covered only after 4 continuous and claim free renewals with our Company. Pre-existing conditions like Hypertension, Diabetes, and their complications are covered after two years of continuous insurance on payment of additional premium.
Premium is based on age of the proposer and geographical area of treatment.
If a misfortune befalls, leave the worry to us but please intimate such loss/damage immediately to Zoom Insurance Brokers (email@example.com) so that a Competent Surveyor may be deputed to minimize the loss. Claims are administered through Third Party Administrators (TPA) whose contact particulars appear on the policy document. Insured can opt for cashless or reimbursement facility for their claims. For more details please contact our nearest Office.