Family health floater policy

Family Health Floater

Insure your whole family with one plan,
one premium

Insure your entire family in one plan

Pay single premium
for your whole family
Cashless hospitalization in
3,600+ hospitals

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Family Health Floater Policy is a comprehensive health insurance plan designed for you and your family, covering expenses incurred during inpatient-hospitalization that has lasted for more than 24 hours. With this policy, you can avail cashless hospitalization in over 4,400 hospitals across India.

  • Who can avail : Self, spouse, dependent children and dependent parents
  • Age bands : The members enrolled in the policy should be aged between 91 days and 65 years, with age of dependent children from 91 days to 21 years of age
  • Policy coverage : Apart from inpatient hospitalization The policy also covers 30 days of pre-hospitalization and 60 days of post-hospitalization expenses
  • Tax benefits : Receive income tax benefit on premium paid under Section 80D of the Income Tax Act 1961
  • Cumulative bonus : The sum insured under the policy progressively increases by 5% for every claim free year of insurance, subject to a maximum of 10 slabs. In case of a claim, the earned bonus will be reduced by one slab
  • Day care procedures : With advancements in medical technology, procedures that require only day care and not a minimum 24 hours of hospitalization will also be covered under the Policy
  • Master health checkup : On submission of valid health checkup bill, reimbursement of expenses, subject to a maximum of Rs. 1500 per Insured Person, towards Master Health Checkup for the Insured Person shall be paid after each 4 consecutive claim free years. This benefit shall not be available even if any one individual insured person makes a claim during the 4 consecutive period of insurance
  • Convenience : Hassle-free claim settlement process and no medical examination needed to enroll for the policy up to the age of 60 years
  • Pre-existing diseases will be covered under the policy after 48-months of continuous coverage
  • Lifelong renewal : Family Health Floater Policy provides for lifelong renewal and you can remit the renewal premium on or before expiry date of the policy. You are also given a 30 day grace period to remit renewal premium and maintain continuity of coverage. However, during this grace period no coverage shall be provided
    This policy has been designed by Royal Sundaram General Insurance Co. Limited for customers

Premium charges

  • Premium table in INR (Inclusive of TPA and 14% service tax & 0.5% Swachh Bharat Cess* and 0.5% Krishi kalyan Cess)
  • A - Adult; C - Child

    *Service Tax Charges are subjected to change with notification of the government.

    Family Health Floater Premium Rates (The below rates are inclusive of 14% service Tax, 0.5% Swachh Bharat Cess and 0.5% Krishi kalyan Cess)
    Sum Insured INR 1,00,000 1A 2A 2A + 1C 2A + 2C
    Upto 35 yrs 1,665 2,830 3,650 4,470
    Upto 45 yrs 2,108 3,585 4,402 5,265
    Upto 55 yrs 4,036 6,861 7,694 8,592
    Upto 60 yrs 5,102 8,675 9,534 10,416
    Upto 65 yrs 6,123 10,409 11,440 12,500
    Sum Insured INR 2,00,000 1A 2A 2A + 1C 2A + 2C
    Upto 35 yrs 2,175 3,631 4,683 5,736
    Upto 45 yrs 2,755 4,599 5,650 6,753
    Upto 55 yrs 5,275 8,802 9,874 11,025
    Upto 60 yrs 6,670 11,129 12,233 13,366
    Upto 65 yrs 8,003
    13,356 14,679 16,042
    Sum Insured INR 3,00,000 1A 2A 2A + 1C 2A + 2C
    Upto 35 yrs 2,506 4,181 5,397 6,662
    Upto 45 yrs 3,041 5,076 6,333 7,547
    Upto 55 yrs 5,856 9,773 11,015 12,331
    Upto 60 yrs 7,407 12,361 13,719 14,960
    Upto 65 yrs 8,889 14,833 16,461 17,954

At inception, you may review the terms and if you find the same not acceptable, opt out of the policy within 15 days from the date of receipt of policy documents. If you have not made any claim, you will be refunded the premium amount paid less stamp duty charges and proportionate risk premium for the period you have been under cover.

    Hospitalization caused by or arising due to the following will not be payable under this policy

  • Any condition, ailment or injury or related condition(s) for which you had signs or symptoms and/or were diagnosed and/or received medical advice/ treatment, within 48 months prior to policy inception However, these shall be covered after insurance for four continuous years
  • Any disease contracted by the insured person during the first 30 days from the commencement of policy
  • Exclusion for first year:

    Treatment of congenital internal anomaly, any type of migraine or vascular headache, stones in the urinary and biliary systems, surgery on tonsils or adenoids, gastric and duodenal ulcer, any type of cyst, nodules, polyps, or any type of breast lumps.

    If these are pre-existing disease at the time of proposal they shall be treated as a pre- existing disease.

    Two Year Exclusions:

    Treatment of spondylosis / spondylitis, any type, inter-vertebral disc prolapse and such other degenerative disorders. Cataract, benign prostatic hypertrophy, hysterectomy, fistula, fissure in anus, piles, hernia, hydrocele, sinusitis, knee or hip joint replacement, chronic renal failure or end stage renal failure, heart diseases, any type of carcinoma/sarcoma/ blood cancer and osteoarthritis of any joint for all insured persons.

    If these diseases are pre- existing at the time of proposal they shall be treated as a pre-existing disease.

    Please refer to your policy documents for detailed list of exclusion.

  • The following medical tests are needed for members above 60 years:
    • Blood Sugar test (Fasting & PP)
    • Urine Sugar test & ECG

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Insurance is a subject matter of solicitation.

SBI Card is the Corporate Agent of Royal Sundaram General Insurance Co. Limited vide IRDAI Registration code CA0075

IRDAI Registration Number of Royal Sundaram General Insurance Co. Limited is 102

UIN NO: IRDA/NL-HLT/RSAI/P-H/V.I/208/13-14

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