Explain various coverages and non-coverages under Health Insurance Pol

1.	Explain various coverages and non-coverages under Health Insurance Policies.
Answer» Family Floater is one single policy that takes care of the hospitalisation expenses of the entire family. The policy has one single sum insured, which can be utilised by any/all insured persons in any proportion or amount subject to maximum of overall limit of the policy sum insured. This is available for persons between the ages of 18 years to 60 years age covering the following family members: 1.Self 2.Spouse 3.Dependent Children-maximum two The other features are: 1. Sum insured : Minimum is 2 lakhs and Maximum is 5 lakhs 2. Premium: It is as per Individual Mediclaim Policy(2007). The basic premium will be as per highest age of the family member. Under Floater policy, any family member can avail the medical claim of ₹ 1.00 lakh. The premium will be applicable to the highest aged member of the family.

Explain various coverages and non-coverages under Health Insurance Policies.

Answer»

Family Floater is one single policy that takes care of the hospitalisation expenses of the entire family. The policy has one single sum insured, which can be utilised by any/all insured persons in any proportion or amount subject to maximum of overall limit of the policy sum insured. This is available for persons between the ages of 18 years to 60 years age covering the following family members:

1.Self

2.Spouse

3.Dependent Children-maximum two

The other features are:

1. Sum insured : Minimum is 2 lakhs and Maximum is 5 lakhs

2. Premium: It is as per Individual Mediclaim Policy(2007). The basic premium will be as per highest age of the family member.

Under Floater policy, any family member can avail the medical claim of ₹ 1.00 lakh. The premium will be applicable to the highest aged member of the family.

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