The list of expenses and treatments which are generally not covered in a health insurance policy can be quite exhaustive. It all depends on the plan you opt; but there still some things that no health insurance plan can provide for:

• Dental treatment unless in case of an accident-related injury.
• Standard eye and ear examinations.
• An act of self-inflicted injury or attempted suicide.
• Cosmetic surgery.
• Preventive care and vaccination.
• Conditions relating to sexually transmitted diseases.
• Hospitalizations for diagnosing a disease but not surgical treatment.
• Treatments received outside India.

The Family Floater plan is one single policy that covers the entire family. You can add as many as 6 family members on such a policy. Some of its benefits include:

• The sum insured in such a plan can be used by any member, in any proportion, up to its limit.
• In comparison to buying mutliple individual plans, the premiums for Family Floater plans are lower. How about that?
• These plans are suitable for families with older children - now, isn't that a great deal?

The only reason you invest in a good health insurance plan is to protect yourself against any hospitalization expenses (but, of course). There are two ways you can claim your insurance coverage:

• Cashless settlement: Every insurance company has tie-ups with hospitals where in if you seek treatment, the insurance company settles your hospitalization expenses directly without involving you.
• Reimbursement: This is a traditional way of making a claim on your health policy. Once you get treated in any hospital, you can pay for the expenses through your own pocket and then raise the claim for reimbursement from the insurance company. This is easier than it sounds!

Note: In both the cases, you are required to inform the insurance company for claim registration.