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Free Wealth Management advice on Mutual Funds, Insurance, Bonds, Post Office Saving Schemes and Small Savings
Free Wealth Management advice on Mutual Funds, Insurance, Bonds, Post Office Saving Schemes and Small Savings

Free Wealth Management advice on Mutual Funds, Insurance, Bonds, Post Office Saving Schemes and Small Savings
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Plans by Bajaj Allianz
Plans by HDFC Standard Life Insurance
Plans by Life Insurance Corporation of India (LIC)
Plans by Kotak Mahindra Old Mutual Life Insurance Co. Ltd.
Motor Insurance
Home Insurance
Travel Insurance
Marine Insurance

In the Indian market, the best Mediclaim policies are provided by the following two companies:


HEALTH GUARD: Bajaj Allianz Health guard covers you and your family against expensive medical care.


  • Cashless Claim settlement with the network of hospitals
  • Proposal and application made simpler
  • Extended pre and post hospitalization period
  • Combination with other health products -Hospital cash & Critical Illness
  • Pre-existing disease waiver if continuously insured with us for last 4 years


  • No strain on pockets of insured
  • Complete health coverage
  • Extended financial support
  • Comprehensive coverage
  • Easy and less time consuming


  • Option of treatment without making payments, across several hospitals.
  • Existing disease can also be covered
  • Expenses covered for a longer period
  • Covers other expenses too
  • Simple documentation


NEW FAMILY FLOATER HEALTH PLAN: ICICI Lombard's New Family Floater Health Plan is a comprehensive policy that covers pre-existing diseases and also offers free medical check-up. What’s more, it also covers maternity in addition to several add-on features like EMI payment options (presently available on ICICI Bank credit cards), recovery benefits, double benefits etc.

Premium Details

Please select the age of the senior member

Age below 30 Years

31- 50 Years

51-75 Years


3 Lakhs per Family

5 Lakhs per Family

3 Lakhs per Family

5 Lakhs per Family

Option I
2 Lakhs
Floater Cover

Option II
2 Lakhs
Floater Cover

Total Member- 1







Total Member- 2







Total Member- 3







Total Member- 4







( Above-mentioned rates are inclusive of 10.2% Service Tax )


  • India’s Most Comprehensive Cover

    • Includes pre-hospitalization for 60 days and post-hospitalisation for 90 days.

    • Includes some modern day care treatments which do not require 24 hour hospitalization.

  • Pre-Existing Diseases

    • Pre existing diseases are covered subject to sub-limits and waiting period (refer to the table below). Remaining all pre existing diseases will be covered after two years, if the policy is renewed with us.

  • External Mobility Aids and Appliances

    • For the first time in India expenses towards external mobility aids and appliances will be reimbursed subject to a limit of Rs. 10, 000.

  • Accupressure, Ayurvedic and Homeopathic Treatment

    • Again, for the first time in India, Rs 5000 will be provided for these adjunct treatments. Provided the treatment is administered by a medical practitioner and is mandatory for the given illness.


  • Recovery benefits

    • In case of an unfortunate event, a person is hospitalized for more than 10 consecutive days, a lumpsum benefit of Rs. 10, 000 will be paid

  • Double Benefits

    • If 2 people in the same family are hospitalized consecutively for a period for 5 or more days, a benefit of Rs 10,000 will be paid (provided both of them are insured under this policy).

  • Floater Cover

    • Medical Expenses of the entire family are covered with in a single policy.

  • Equated Monthly Installment (EMI)

    • Premium payment spread over 12 months

    • No advance payment necessary.

    • Option of upfront payment also available.

  • No Claim Bonus

    • 5 % discount on renewal premium, in case no claim is made during the policy period up to a maximum of 25% cumulative discount.

  • Free & Compulsory Health Check-up

    • Free compulsory health check-up will be done for all those applying for this insurance plan.

  • Hospital Daily Allowance

    • In addition to hospital expenses, a daily hospital cash allowance of Rs 250 per day for 7 days will be paid to cover your daily expenses.

  • Nursing Allowance

    • Rs 300 per day for 5 days, provided the medical practitioner recommends nursing post hospitalization.

  • Local Road ambulance Service

    • In an emergency, cover is provided for expenses incurred on Ambulance services. The cover will be limited up to a maximum of Rs. 1000 with in city limits.


  • Exclusions-First One Year
    There are certain ailments which are not covered for the first year, but are covered subsequently:-
    -- Benign Prostatic Hypertrophy.
    -- Myomectomy, Hysterectomy unless because of malignancy.
    -- Dilatation and curettage.
    -- Skin and all internal tumors/ cysts/nodules/ polyps of any kind. including breast lumps unless malignant/ adenoids and hemorrhoids.
    -- Dialysis required for chronic renal failure.

  • What is not covered?
    -- Any disease contacted during the first 30 days of inception of policy.
    -- Intentional self-injury, AIDS, Alcohol or Drug Abuse.
    -- Dental treatment, congenital diseases.
    -- Birth control procedures and hormone replacement therapy.
    -- Routine medical, eye and ear examinations, cost of spectacles.
    -- Cosmetic, aesthetic, obesity related treatment.
    -- Abuse of liquor, intoxicating substances or drugs.
    -- War, riot, strike, terrorism, nuclear weapons induced hospitalization.
Insurance is subject matter of solicitation.