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Benefits: Hospitalization cover : Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours.

These expenses include room and boarding charges as per the policy conditions. Nursing expenses Surgeons fees, Consultants fees, Anesthetist's fees and Specialists fees Cost of medicines and drugs Emergency ambulance charges for transporting the insured patient to the hospital up to 1% of sum insured or Rs.2,000/- which ever is less.

Happy Family Floater Policy is available in 2 options a) Silver : available from sum insured of Rs.1 lakh to 5 lakhs(10% co pay).

b) Gold: available from 6 lakhs to 10 lakhs(without co pay).

Inform the ID/policy number for easy reference. In case of planned hospitalization, please inform 24 hours prior to admission into hospital. In case of emergency hospitalization, information to be given within 24 hours after hospitalization. At non network hospitals, payments must be made up front and then reimbursement will be effected on submission of documents.

Pre hospitalization :

Relevant medical expenses incurred during the period up to 30 days prior to hospitalization on disease/illness/injury sustained will be considered as part of the claim. Post hospitalization : Relevant medical expenses incurred during the period up to 60 days hospitalization on disease/illness/injury sustained will be considered as part of the claim.

Any person between 3 months 60 years residing in India. No age limit for continuous renewal. Family includes proposer, spouse, children(up to 25 years) and dependent parents and in-laws.

Pre existing diseases are covered after 48 months from the date of inception of the policy subject to no claim with continuous renewal.

24 hour hospitalization not applicable for the below mentioned surgeries/treatments

Radiotherapy, Parental Chemotherapy, Eye Surgery, Lithotripsy(Kidney Stone Removal), Tonsillectomy, Dilation and Curettage, Dental Surgery following an accident, Hysterectomy, Coronary Angioplasty, CAG, Surgery for Gallbladder, Pancreas and bile duct,

Surgery for Hernia, Hydrocele, Prostate, Gastrointestinal Surgery, Genital Surgery, Surgery for Nose, Surgery of Throat and Ear, Surgery of Appendix, Surgery of Urinary System, Treatment for Fractures/Dislocation excluding hairline fracture, Arthroscopic Knee Surgery, Laparoscopic therapeutic Surgeries, Any Surgery Under General Anesthesia Operation theatre is fully equipped for the Operation required in respect of the above diseases

Any disease contracted by the insured person during the first 30 days from the date of the commencement of the policy except treatment for accidental external injuries are excluded. During the period of insurance cover, the expenses on treatment of the following ailments/diseases/surgeries for specified periods are not payable if contracted and/or manifested during the currency of the policy.

1) 2) 3) 4) 5) 6) 7)

Benign ENT disorders and surgeries(1 year) Polycystic ovarian diseases(1 year) Surgery for hernia/ hydrocele Non infective arthritis undescendent testis Cataract Surgery of benign prostatic hypertrophy Hysterectomy for menorrhagia or fibromyoma or myomectomy or prolapse of uterus. 8) Fissure/Fistula in Anus 9) Piles 10) Sinusitis and related disorders 11) Surgery of gallbladder and bile duct excluding malignancy 12) Surgery of genito urinary system excluding malignancy 13) Pilonidal sinus

14) Gout and Rheumatism 15) Hyper tension, diabetes, Calculus diseases 16) Surgery for prolapsed inter vertebral disk unless arising from accident 17) Surgery of varicose veins and varicose ulcers 18) Congential internal diseases *(from item no. 3 to item no. 18 are excluded for 2 years). 19) Joint replacement due to degenerative condition(4 years) 20) Age related osteoarthritis and osteoporosis

Premium eligible for tax Exemption under section 80D of Income Tax Act ,1961 upto a maximum of Rs.15000/-

For further details contact:


Harikrishna Mullapudi Insurance Advisor Mobile No.: 98496 68669 E-mail : hkmullapudi@gmail.com

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