care health insurance family floater
Family floater health insurance is a type of health insurance policy that covers your entire family under a single plan, with a single sum insured (coverage amount). Here’s more information about Care Health Insurance’s family floater policy:
- Coverage: Care Health Insurance’s family floater policy provides coverage for medical expenses incurred by any family member covered under the policy. This includes hospitalization expenses, pre and post-hospitalization costs, doctor’s fees, room charges, medicines, diagnostics, and more.
- Family Inclusion: Family members typically covered under a family floater policy include the primary policyholder, spouse, dependent children, and sometimes dependent parents. The specific family members covered can vary based on the policy terms.
- Sum Insured: The sum insured is the maximum amount up to which the insurance company will provide coverage for medical expenses. In a family floater policy, the sum insured is shared among all family members.
- Cashless Facility: Family members covered under the policy can avail cashless hospitalization at network hospitals. Care Health Insurance has a network of hospitals where you can avail of medical services without making immediate payments.
- Pre-existing Conditions: Depending on the policy terms, pre-existing conditions might be covered after a waiting period. It’s important to check the waiting period clause for pre-existing conditions.
- Renewability: Family floater policies are usually offered on an annual basis and can be renewed to continue coverage for your family.
- Premium: The premium for a family floater policy is determined based on factors like the age of the eldest member, the sum insured, the number of family members covered, and any add-on coverage options you choose.
- Coverage Extensions: Care Health Insurance might offer additional coverage options, such as maternity benefits, coverage for specific illnesses, and more. Check the policy details to understand the extent of coverage.
- Claim Process: The claim process for family floater policies, whether it’s cashless or reimbursement, would follow the general procedure outlined by the insurance company. This may involve filling out a claim form, providing required documents, and following their guidelines.
- Exclusions: Like all insurance policies, family floater policies also have exclusions. These are situations or treatments that are not covered by the policy. It’s important to understand these exclusions before making a claim.
Remember to thoroughly read and understand the policy documents provided by Care Health Insurance before purchasing a family floater policy. Ensure that the coverage offered meets the needs of your family members and that you’re aware of any terms, conditions, and limitations associated with the policy. If you have specific questions about Care Health Insurance’s family floater policy, it’s best to reach out to their customer service for accurate and up-to-date information.