Family Floater Insurance

Maternity cover

The policy covers medical expenses related to childbirth, including pre and post-natal care.

Critical illness cover

The policy covers medical expenses related to critical illnesses such as cancer, heart attack, kidney failure, and others.

Personal accident cover

The policy covers accidental death and disability expenses.

Out-patient department (OPD) cover

The policy covers medical expenses incurred for consultations, diagnostic tests, and other related expenses.

Restoration benefit

This cover restores the sum insured amount after it has been exhausted during the policy year.

Pre-existing diseases

The policy does not cover medical expenses related to pre-existing illnesses for a certain period.

Cosmetic treatments

The policy does not cover medical expenses incurred for cosmetic treatments.

Mental Disorders treatments

The policy does not medical expenses related to mental disorder treatments.

Self-inflicted injuries

The policy does not cover medical expenses related to self-inflicted injuries.

Comprehensive coverage

Family Floater Insurance provides comprehensive coverage for the entire family under a single policy.

Affordable premiums

Family Floater Insurance offers affordable premiums as compared to individual health insurance policies.

Convenience

Family Floater Insurance eliminates the need for buying separate policies for each family member, which is more convenient and hassle-free.

Tax benefits

Premium paid towards Family Floater Insurance is eligible for tax deduction under Section 80D of the Income Tax Act.

1. Visit the PolicyLeader website

Go to the PolicyLeader website (www.policyleader.co.in) and select "Family Floater Insurance" from the list of insurance products.

2. Provide personal details

Fill in your personal details such as name, age, and contact information. You may also be required to provide details about your medical history and the details of family members.

3. Choose a policy

PolicyLeader offers a range of family floater insurance policies from various insurance companies. Review the policy details, coverage, and premium amounts to choose a policy that best meets your needs.

4. Compare policies

Use the comparison tool to compare policies from different insurance companies based on factors such as premium, coverage, and exclusions.

5. Customize your policy

You can customize your policy by adding or removing riders (add-on covers) to suit your specific needs.

6. Pay the premium

Once you have chosen a policy, pay the premium online using a debit card, credit card, or net banking.

7. Receive the policy documents

After the payment is confirmed, the policy documents will be emailed to you. The policy documents will contain all the details of your policy, including the coverage, exclusions, and terms and conditions.

1. Notify the insurance company

As soon as you are aware of the need to file a claim, notify the insurance company by calling their customer service or through their website. Provide details such as policy number, name of the insured person, date of hospitalization, and reason for hospitalization.

2. Submit the claim form

Fill in the necessary details and submit it along with the required documents to the insurance company.

3. Provide necessary documents

The insurance company may require documents such as hospital bills, medical reports, discharge summary, prescription receipts, and diagnostic reports to process the claim. Ensure that you have all the necessary documents and submit them along with the claim form.

4. Wait for claim approval

The insurance company will review the claim and verify the documents submitted. If the claim is approved, the insurance company will reimburse the medical expenses as per the terms and conditions of the policy.

5. Cashless claims

If the insured person has opted for cashless hospitalization, the insurance company settles the bills directly with the hospital. However, ensure that the hospital is part of the insurance company's network and follow the necessary procedures for cashless claims.