Make health your top priority
Health Insurance - Family Floater Plan
Living each day as it comes; this comprehensive Health Insurance plan ensures that you live a life less ordinary, free from stress. A family floater medical insurance plan can protect you and your family from unforeseen medical expenses to help you take care of yourself and your loved ones.
The American Express Advantage
- No medical check-up required up to the age of 65 years and/or Sum Insured of up to Rs.30 Lacs
- Get annual health check-up on buying the policy
- Dedicated claims and servicing helpline
- Priority Claim Processing
High cover options starting from Rs.15 Lacs and up to Rs.1 Crore
Declared and accepted Pre-existing diseases covered after 2 years of waiting period
One Plan for entire family with lifetime renewability
Get OPD benefits of up to Rs.25,000
(as per plan opted)
Unlimited Reset benefit*
* Reset will not trigger for the first claim. Reset will not trigger for same person with same illness for which a claim has been paid in that policy year.
Worldwide cover for Sum Insured options of Rs.50 lacs and above
- The applicant should be the American Express Card member/family member of the American Express Card member
- The minimum age of entry is 91 days and the maximum entry age is 80 years
- Children between 91 days and 20 years can be covered only if either of the parent is getting insured
- Family definition – Self, spouse and up to 3 dependent children till the age of 20 years
This health insurance plan covers the insured against hospitalization and medical charges as a result of suffering from illness or bodily injury during the period of insurance. It also provides cover for pre & post hospitalization medical expenses for a period of 60 and 90 days respectively. The hospitalization has to be on the advice of a medical practitioner and should be for a minimum period of 24 hours
In-patient Hospitalisation
Covered up to the Sum Insured amount
Room Rent
No Capping, covered up to the Sum Insured amount
Pre - Post Hospitalisation
Pre Hospitalisation and Post Hospitalisation for 90 days & 180 days respectively are covered
In Patient AYUSH Hospitalisation
Insurance company will cover expenses for AYUSH treatment only when the treatment has been undergone in an AYUSH Hospital or AYUSH day care centre. This cover will be applicable only within the geographical boundaries of India
Unlimited Reset Benefit*
Reset will be available unlimited times in a policy year in case the annual Sum insured including accrued Additional Sum Insured (if any) and Super No Claim Bonus (if any), Sum insured protector (if any) is insufficient as a result of previous claims in that policy year
* Reset will not trigger for the first claim. Reset will not trigger for same person with same illness for which a claim has been paid in that policy year.
Additional Sum Insured (Cumulative Bonus)
At the time of renewal of this Policy, the Insurance company will provide an additional sum insured (hereinafter referred to as “Additional Sum Insured”) of 10% of annual sum insured of immediately preceding policy year subject to a maximum of 100% provided that there is no Claim under this Policy during the Policy Year except as an Out-patient (If opted). In case of claim the Additional Sum Insured will also reduce in same proportion. This cover will be applicable only within the geographical boundaries of India
Donor Expenses
The Insurance company will cover the Insured up to the annual sum insured for the Medical Expenses incurred in respect of the donor for any of the organ transplant surgery, provided the organ donated is for your use and the organ donor is an eligible donor in accordance with “The transplantation of Human Organ Act”. will be applicable only within the geographical boundaries of India
Domiciliary Hospitalization
Insurance company will cover the Medical Expenses incurred in respect of Your Domiciliary Hospitalization during the Policy Period provided minimum hospitalization of 3 days. Will be applicable only within the geographical boundaries of India
Domestic Road Emergency Ambulance Cover
Covers road ambulance expenses up to Rs.10,000 per event, incurred to transfer the Insured following an emergency to the nearest hospital per event of emergency hospitalization, (subject to Insurance company accepting the in-patient claim)
Road Air Ambulance
Air Ambulance is covered up to Sum Insured on cumulative basis, if used to transfer insured to nearest hospital in case of emergency. Not Applicable if transfer is from one hospital to another
Health Check Up
Expense incurred towards the cost of Health check-Up will be covered up to the limit as specified below. This cover will be applicable only within the geographical boundaries of India.
- For Sum Insured Rs.15 Lacs / 20 Lacs / 25 Lacs: up to a maximum limit of Rs.3,000
- For Sum Insured Rs.30 Lacs / 50 Lacs / 75 Lacs / 100 Lacs: up to a maximum limit of Rs.5,000
Home Healthcare
We will cover the medical expenses incurred by you on availing treatment at home. This cover will be applicable only within the geographical boundaries of India
Claim Protector
The items which are not payable under the claim as per the list of excluded items released by IRDAI that is related to the particular claim will become payable. This cover will be applicable only within the
geographical boundaries of India
SI Protector
The Sum Insured will be increased on cumulative basis at each renewal on the basis of Inflation rate in previous year. This cover will be applicable only within the geographical boundaries of India
ASI Protector
Additional Sum Insured (ASI) accrued by the Insured will not be impacted or reduce at renewal if any one claim or multiple claims admissible in the previous policy year under the policy does not exceed the overall amount of Rs.50,000. In case of claim the Additional Sum Insured will also reduce in same proportion
Convalescence Benefit
If the Insured is hospitalized for a minimum period of 10 consecutive days, due to any Injury or Illness as covered under the Policy, the Insurance company will pay the Insured Rs.10,000 once in a policy period per insured member. This benefit is payable only once to an Insured Person during each Policy Year of the Policy Period. This cover will be applicable only within the geographical boundaries of India
Hospital Daily Cash
If the Insured is hospitalized for a minimum period of 3 consecutive days, due to any Injury or Illness as covered under the Policy, the Insurance company will pay as per limit specified below per insured member.
- Sum Insured Rs.15 Lacs, 20 Lacs, 25 Lacs, 30 Lacs, 50 Lacs, 75 Lacs & 100 Lacs: Rs.3,000 per day max up to 10 days (minimum 3 days hospitalization is mandatory)
This cover will be applicable only within the geographical boundaries of India
Maternity Cover
Medical Expenses incurred for delivery of child, where You and Your spouse, both are covered under the same family floater Policy and have served the waiting period of 3 years up to the limit as specified below. This cover will be applicable only within the geographical boundaries of India.
- Sum Insured Rs.15 Lacs / 20 Lacs / 25 Lacs / 30 Lacs / 50 Lacs: Maternity limit Rs.40,000 for both normal and C section, maximum up to 2 events
- Sum Insured Rs.75 Lacs / 100 Lacs: Maternity limit Rs.50,000 for both normal and C section, maximum up to 2 events
New born baby cover
Medical Expenses incurred towards the treatment of a New Born Baby (up to 91 days from date of birth) and in case a Maternity Benefit claim has been accepted up to the limit Rs.10,000. This cover will be applicable only within the geographical boundaries of India
ICICI Lombard shall not be liable or make any payment for any claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:
- Any Declared and accepted Pre-existing disease shall be covered after waiting period of 2 Year.
- Any disease or illness except accidental cases shall be covered after initial waiting period of 30 days (not applicable for renewals).
- Specified diseases and procedures shall be covered after waiting period of 2 years.
- Maternity Cover shall be covered after waiting period of 3 years.
- 90 days of waiting period from the first policy commencement date for Hypertension, Diabetes, Cardiac Conditions unless they are pre-existing and disclosed at the time of underwriting.
- War, war like operations, nuclear weapons, contamination
- Congenital external disease/ anomaly / defect.
- Intentional self-injury, use of alcohol / intoxicating drugs
This is an indicative list of exclusions, for detailed list kindly refer to the policy wordings
The bill of hospitalization at any of ICICI Lombard's network providers/ hospitals would be paid directly by ICICI Lombard.
A list of these hospitals/ providers is available on the website of ICICI Lombard (www.icicilombard.com)
For any insured member who is more than 60 years age.
- Admission in network hospital
- Fax the pre-authorization form along with relevant documents (Investigation reports, Previous consultation papers if any, Cashless ID, Photo ID)
- Review of claim request by Company (as per policy terms & conditions
- Claim settlement by Company (as per policy terms & conditions) with the hospital after completion of all formalities
- Only available at network hospitals. Pre-authorization request to be made-
- At least 48 hours before a planned hospitalization and
- Within 24 hours of emergency hospitalization
In the event that your policy is rejected, you can definitely avail of premium reimbursements within 7 working days. However, we would not be able to reimburse your medical check-up expenses.
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The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.
General Insurance is underwritten by ICICI Lombard General Insurance Company Ltd.
ICICI Lombard has its registered office at ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhivanayak Temple, Prabhadevi, Mumbai – 400 025. IRDAI Reg No. 115. Toll Free No. 1800 2666. Fax No 02261961323. CIN U67200MH2000PLC129408.
Website: www.icicilombard.com
Email: customersupport@icicilombard.com
Life Insurance is underwritten by Future Generali India Life Insurance Co. Ltd. (Future Generali) and PNB MetLife India Insurance Company Ltd. (PNB MetLife).
Future Generali has its registered office at Indiabulls Finance Centre, 6th Floor, Tower 3, Senapati Bapat Marg, Elphinstone West Mumbai, Maharashtra – 400013. IRDAI Registration No: 133. CIN:U66010MH2006PLC165288. IRDAI Registration no. 133.
Email: care@futuregenerali.in
Call at: 1800 102 2355.
Website: life.futuregenerali.in
PNB MetLife has its principle office at No.5 Brigade Seshmahal, Vani Vilas Road, Basavanagudi, Bangalore – 560004. Toll free No. 1800-425-6969.
Website: www.pnbmetlife.com
Email: indiaservice@pnbmetlife.co.in
This information is provided by American Express Banking Corp. (AEBC), India, having its Principal office at MGF Metropolitan, Office Tower, Level 7, District Centre, Saket, New Delhi-110017. Insurance Regulatory and Development Authority of India has authorized AEBC India to act as a Corporate Agent from 1st April, 2022 to 31st March, 2025 for soliciting and procuring General Insurance and Life Insurance business under Registration No. CA0066. The contents of this message (including any attachments) and the contents there of are attributable solely to the ICICI Lombard General Insurance Company Limited, Future Generali India Life Insurance and PNB MetLife India Insurance Company Ltd. ('Insurance Company'). No part of the same is either directly or indirectly, attributable to AEBC. The participation of the Card member is purely on a voluntary basis. Any such person who purchases or otherwise subscribes to the Insurance Product would do at his/her discretion and shall not receive any advantages in additions to those which he/she would ordinarily be entitled to as an American Express Card member. AEBC India does not accept any responsibility for the Insurance Company's actions or decisions. AEBC holds no warranty & makes no representation about claims processing. The contract of Insurance is between the insurer and the insured and not between the bank and the insured. Insurance company is liable to claims processing as per the terms and conditions of this Policy. AEBC India identifies insurance providers and products that may be of some interest to some of their customers. In this role, American Express does not act as an agent or fiduciary for the Card member, and may act on behalf of the insurance provider (as its agent or otherwise), as permitted by law. Please be aware that we receive up to 15% of the premium as commissions for Non-Life insurance products and up to 30% in the first year and up to 10% of the premium in the subsequent years for Life insurance products from providers as per Insurance Regulatory and Development Authority of India guidelines.
Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI clarifies to public that –
- IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums
- IRDAI does not announce any bonus
Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
Product code:
- ICICI Lombard Complete Health Insurance - ICIHLIP22096V062122, Health Shield 360 -ICIHLGP22083VO22122, Group Personal Accident - ICIPAGP22077V062122, Private Car Package Policy - IRDAN115RP0017V01200102, International Travel Insurance - ICITIOP22093V032122, Two Wheeler Package Policy - IRDAN115RP0015V04201415, Smart Plan House Holders Package Policy - IRDAN139P0002V01200910, Group Health Insurance Policy - IRDA/NL-HLT/BAXAGI/P-H/V.I/94/13-14
- Future Generali Express Term Life Plan – T21. UIN: 133N082V01
- PNB MetLife India Insurance Co. Ltd. Mera Jeevan Suraksha Plan – MJS, PNB MetLife IRDAI registration number – 117
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