Heartbeat Family First is a one of its kind plan which has been designed keeping in mind the health insurance needs of the Indian Joint family. It allows you to cover not just your spouse or your kids, but each and every member of your family under one policy.You can cover upto 13 relationships in your family (e.g. your parents, in-laws, grandchildren, spouse, kids etc.).

Step 1
Individual Sum Insured: An individual insurance cover for each Insured Person. The Individual Sum Insured is same for all family members.

Step 2
Floater Sum Insured: A floating insurance cover that is available to all family members and can be used once the Individual Sum Insured is exhausted. This provides flexibility for families to decide their optimal cover.

Family First plan you can choose any combination from the relations illustrated below:-

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In Family First, you have an option to insure yourself and your family under 2 plans:-

Silver:-
Gold:-

Illustration of a Family First Plan:

Direct Servicing:-
All claims are processed directly by our own customer services team.

No age restriction for enrollment:-
We cover every member of your family, across every stage in life. There is no minimum or maximum age or enrollment.

Cashless facility:-
You can access cashless facility at quality hospitals near you.

Relationship Managers:-
For Gold customers, we may assign our representative who will personally attend to your claims.

Assured Plan Renewal for Life:-
We assure you renewability for life. Once insured with us, you will always remain our customers.

In-patient Treatment:-
Hospital Accommodation:
Reasonable and Customary charges for Hospital accommodation are covered.

Pre & Post hospitalization Medical Expenses:-
Medical Expenses incurred due to Illness up to 30 days period immediately before you get admitted to a hospital and 60 days immediately after you get discharged from a Hospital.

Emergency Ambulance:-
We will cover ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid once we have accepted an In-patient claim.

Domiciliary Treatment:-
We pay for medical treatment taken at home, which would otherwise have required hospitalization, if on the advice of the attending medical practitioner, the patient cannot be transferred to a hospital or a bed in the hospital is unavailable.

Disclaimer: This is only a summary of the product features and is for reference purpose only. For more details on terms and conditions, exclusions and waiting period, please read sales brochure of Heartbeat Health Insurance Policy carefully before concluding a sale. Please call our customer service if you require any further information or clarification. MB/BR/2010-11/335