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Product Review

Monday, April 30, 2012
By Manoj Aswani

ICICI Lombard Family Protect Premier Insurance Plan Covers Entire Family For Costs

Family Protect Premier Insurance policy covers the entire family for costs incurred during sudden illness, surgery and accidents. In addition to this, it also provides cover for conditions arising as a result of a terrorist activity. The entire sum insured can be shared among the family members without individual upper limits.

Our Advice – A health insurance policy is a must for all individuals and families as it ensures that your financial condition remains intact in case of a medical emergency.  Family Protect Premier Insurance Policy pays medical expenses along with convalescence benefit and daily hospital cash. A single policy provides comprehensive cover for all insured members, which means that there is no upper limit on the claim that one member can make.

Key Features

  • Single policy provides comprehensive cover for the entire family
  • No sub-limits on room rent, medicines, doctors fees and investigations
  • Cashless facility at a network of 4,000 hospitals
  • Convalescence benefit
  • Hospital Daily Allowance
  • Cover available for 2 continuous years after which it can be renewed
  • Renewable up to the age of 70 years

    What is covered
  • All medical expenses incurred during hospitalisation of more than 24 hours
  • Expenses for accommodation or room rent, doctor or surgeons fees, cost of medicines, etc
  • Medical expenses incurred 30 days before and 60 days after hospitalisation
  • Day care procedures that do not require 24-hours hospitalisation such as Dialysis, Chemotherapy, Radiotherapy are covered
  • Pre-existing diseases covered after 4 continuous years of policy

    Additional Benefits
  • Free coupon for a health check-up on every renewal for any one insured member. This covers tests like ECG, ESR, blood count and  routine urine analysis
  • In case no claim is made, then an additional sum assured of 5% is added on renewal
  • Children aged between 91 days to 5 years will be covered in a Floater Plan only

    Eligibility and Restrictions
  • An individual and / or his spouse
  • Children between ages 3 months to 5 years
  •   Minimum Maximum
    Coverage Amt. (in `) 2,00,000 4,00,000
    Policy Term (in yrs.) - 2
    Entry Age (in years) 5 60
    Renewable till Age (in years) - 70


  • Pre-existing diseases or conditions are not covered for the first  4 policy years
  • Any treatments taken during first 30 days from policy start date (except in case of an accident)
  • HIV, AIDS and related diseases
  • Non-allopathic treatments
  • Cosmetic and obesity treatment
  • Expenses arising as a result of consumption of alcohol, drugs, hallucinogens and other intoxicating substances
  • Diseases existing at birth (congenital diseases)
  • Pregnancy and childbirth  related complications or conditions
  • Two years exclusion for certain diseases like cataract, piles, stones, hernia, arthritis, surgery on tonsils and sinuses, skin and all internal tumors, dialysis etc.
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