Complete family health protection with maternity cover, newborn care, and no room rent limit. One policy for the whole family.
What's included
Key highlights
- Family floater
- Maternity cover
- No sub-limits
Features
- Family floater plan
- Maternity cover
- Newborn cover
- No room rent limit
- Annual health checkup
- No claim bonus
Coverage breakdown
HospitalizationUp to Rs 10 lakh
OPDUp to Rs 15,000
MaternityUp to Rs 50,000
Newborn coverUp to Rs 25,000
No room rent limitUnlimited
Health checkupAnnual
No-claim bonus10% per year
DentalAccident only
Loan & liquidity
- Grace period
- 15 days for renewal
Waiting periods
- Pre-existing diseases
- 3 years
- Specific procedures
- 2 years
- Maternity
- 9 months
Pros & cons
Pros
- Family floater - one policy covers entire family
- Maternity AND newborn cover included (rare in Nepal)
- NO room rent sub-limit
- Annual health checkup included
- No-claim bonus rewards healthy years
- Backed by Indian parent with 68+ years experience
Cons
- Highest premium among health plans (Rs 18,000/yr)
- 3-year waiting for pre-existing conditions
- Limited branch network in remote areas
- Complex claim documentation for maternity
What affects your premium
- Age of oldest member
- Family size
- Coverage amount
- Previous claim history
- Pre-existing conditions
How to claim
- 1Cashless: Pre-authorization at network hospital
- 2Reimbursement: Submit within 30 days of discharge
- 3For maternity: Pre-approval required
- 4Settlement within 21 days
Network
- Network hospitals
- 35
- Coverage area
- Nepal + India network
Best for
Families with childrenExpecting parentsComprehensive coverage seekersPremium plan seekers
What's not covered
- Pre-existing diseases (first 3 years)
- Cosmetic surgery
- Self-inflicted injuries
- War and nuclear perils
- Experimental treatments
Premium
Quote on request