Guide to How to decide the best family health insurance plan

1. Customer education series
What you can claim from family health policy
(sample of a reputed company)
Family Health Optima is the product name
It varies from product to product and company to
company

2. What is given to you…
Room, boarding expenses: 2% of SI subject to a maximum of…
For class A cities
2% of insured amount or subjected to a maximum `1500/- per day
For class B cities
2% of insured amount or subjected to a maximum ` 750/- per day
For class C cities
2% of insured amount or subjected to a maximum ` 500/- per day
09448366424 <myfamilyneedshealthinsurance@gmail.com>

3. What is given to you…
Nursing expenses
Surgeon, Anesthetic, Medical practitioner, Consultants, Specialist Fees:
Actual
Anesthesia, Blood, Oxygen, Theatre charges, Surgical Appliances,
Medicines and Drugs, Diagnostic Materials and X-ray, diagnostic
imaging modalities Dialysis, Chemotherapy, cost of Pacemaker and
similar expenses
Emergency ambulance charges up-to a sum of ` 750/- per
hospitalization and overall limit of `1500/- per policy period
09448366424 <myfamilyneedshealthinsurance@gmail.com>

4. What is given to you…
Pre-hospitalization medical expenses incurred for a period not exceeding
30 days prior to hospitalization following an admissible claim under the
policy
A sum equivalent to 7% of the hospitalization expenses incurred
comprising of Nursing charges, Surgeon charges/Consultation fee
Diagnostic charges Medicines and Drugs only subjected to a maximum
of `5000/- per occurrence towards Post Hospitalization medical
expenses wherever recommended by the attending Medical Practitioner
09448366424 <myfamilyneedshealthinsurance@gmail.com>

5. What is given to you…
Expenses on Hospitalization for a minimum period of 24 hrs are
required.
However this limit will not apply for Dialysis, Chemotherapy,
Radiotherapy, Cataract surgery , Lithotripsy (Kidney stone removal)
Tonsillectomy, cutting and Draining of Abscess, Liver Aspiration, Pleural
Effusion Aspiration, Colonoscopy, Sclerotherapy taken in the Hospital
and the insured is discharged on the same day.
Expenses for Cataract is limited to `12000/- in the entire policy period
09448366424 <myfamilyneedshealthinsurance@gmail.com>

6. Customer education series
09448366424
<myfamilyneedshealthinsurance@gmail.com>