Features
Coverage
Eligibility
Policy can be issued to an individual customer, a family (family floater) and/or extended family (family first).
The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 30 years in a family floater policy.
The family floater policy is available for husband, wife and a maximum of 4 children.
Family First Plan offers coverage for up to 19 relationships with an individual sum insured for everyone, and a floating sum insured that is accessible to any family member.
Waiting Periods
Pre-existing disease waiting period of 24 months since inception of the policy and continuous renewal. For Critical Illness cover, pre-existing disease waiting period would be 48 months along with a Survival Period exclusion of 30 days for all conditions.
Initial waiting period of 30 days unless the treatment needed is the result of an Accident. For Critical Illness cover, initial waiting period would be 90 days.
Specific waiting period of 12 months, since the inception of the first policy with us, for some listed illnesses, unless the condition is directly caused by Cancer (covered after Initial Waiting Period of 30 days) or an Accident (covered from day 1).
The following benefits will have a waiting period of 36 months since inception of the Policy and subject to continuous renewal:
OWeight loss (Bariatric) surgery
OMental disorder treatment
OLASER surgery cover
For HIV / AIDS cover, there will be a waiting period of 48 months since inception of the Policy and subject to continuous renewal.
Please do read more about the common exclusions in the policy terms& conditions.
