Family Floater Health Insurance

A comprehensive Health Insurance policy that ensures... Poorey parivaar ki poori suraksha. Secure your family
against financial emergencies during sudden illness, surgery and accidents as well as against terrorist activities.
Family Floater Health Insurance plan lets you share the entire sum insured among the family members covered
under the policy , irrespective of who is been treated and without any individual upper limit.

Key benefit

Comprehensive coverage for your family with floater benefit

Cashless claims facility at over 4000+ network hospitals across India Simply use your Health ID Card at

any of our 4,000+ Network Hospitals and avail Cashless service, a boon for those times when you need finance the most.

Continue to enjoy quality service even during claim settlements with – Its our own in-house health claim
processing and wellness team

No sub-limits on room rent, doctor fees, and hospital charges or for any disease* Sub-limit means any

limit or restriction put on the Sum Insured available for any treatment/ service/ disease covered under the Policy. For

example, a health policy may have sub-limits of 1% of Sum Insured on the Room rent on a per day basis, or a sub-limit of

25% of Sum Insured on Doctor's fees. Sub-limits can be applied on the entire treatment of one illness, like Heart Disease

may have a sub-limit of Rs. 50,000, i.e. a maximum of 50,000 can be claimed for the Heart disease treatment.

No co-payments for any disease or any hospitalization expenses Co-payment means a certain percentage

of every claim amount, which has to be borne by the insured person. For example, a health policy may have co-pay of 20

% on hospitalization expenses taken in a non-network hospital, which means if the insured claims for Rs. 1,00,000 for any

treatment availed in a non-network hospital then he will have to bear 20 % of such claim amount out of his own pocket.

Now get a Free health check-up coupon for any one insured family member, valid for the policy period

No health check-up up to the age of 45 years (age as on last birthday)

Avail tax benefits under Section 80D of the Indian Income Tax Act 1961**

Buy Online and pay in EMIs without any extra charges***

Options for one or two year covers (auto renewal) available

Get additional Sum Insured for every claim free year

Keep your family secured even against expenses for hospitalisation due to terrorist activities
* Except Cataract where Rs. 20,000 per eye is applicable
** Tax benefits are subject to tax laws. Click here to calculate your tax saving
*** EMI facility available only for ICICI Bank (up to 6 months) credit card customers at the sole discretion of the Banks.

Policy coverage
 Medical expenses incurred as an inpatient during hospitalisation for more than 24 hours, including room charges,
doctor/ surgeon's fee, medicines bills, etc
 Medical expenses incurred 30 days prior and 60 days post hospitalisation
 Day Care expenses incurred on named advanced technological surgeries and procedures requiring less than 24
hours of hospitalisation. (Including Dialysis, Radiotherapy and Chemotherapy)
 Pre-existing diseases can be covered after four continuous years of coverage with the Company*
 This policy also covers you for hospitalisation in case of Swine Flu / H1N1 influenza**
* Conditions Apply
** If it's not a pre-existing illness
Terms of Renewability
Your Family Floater Health Insurance Plan can be renewed instantly. Click here to know more.

Health Advantage Plus

Calculate Premium
Health Advantage Plus Policy offers comprehensive coverage that not only goes beyond covering just your
hospitalisation expenses, but also offers coverage for Out Patient Treatment expenses (OPD) up to the OPD Sum
Insured limit and Tax Benefits.

Out-patient Department (OPD) Benefit:

Benefits that can be availed from the Health Advantage Plus plan is claiming on Outpaitent Department (OPD)
expenses (up to the OPD sum insured limit) even on Chemist bills, Doctor's visit fees, Maternity expenses related
bills, Optician bills, etc.
Health Advantage Plus Policy Details

Key benefits

Covers Outpatient Department (OPD) expenses, such as diagnostics tests, dental treatment, medical bills,
ambulance charges, etc.

Avail Cashless Claim facility at over 4,000+ network hospitals across India Simply use your Health ID

Card at any of our 4,000+ Network Hospitals and avail Cashless service, a boon for those times when you need finance

the most.

No sub-limits on room rent, doctor fees, and hospital charges or for any disease* Sub-limit means any

limit or restriction put on the Sum Insured available for any treatment/ service/ disease covered under the Policy. For

example, a health policy may have sub-limits of 1% of Sum Insured on the Room rent on a per day basis, or a sub-limit of

25% of Sum Insured on Doctor's fees. Sub-limits can be applied on the entire treatment of one illness, like Heart Disease

may have a sub-limit of Rs.50,000, i.e. a maximum of Rs. 50,000 can be claimed for the Heart disease treatment.

No co-payments for any disease or any Hospitalisation expenses Co-payment means a certain

percentage of every claim amount, which has to be borne by the insured person. For example, a health policy may have
 co-pay of 20 % on hospitalisation expenses taken in non-network hospitals, which means if the insured claims for

1,00,000 for any treatment availed in a non-network hospital then he will have to bear 20 % of such claim amount out of

his own pocket.

Now get an additional Sum Insured for every claim free year

Pre-existing illness covered after two years, subject to continuous renewal of the policy with the Company

Avail Tax Benefit under Section 80 D of the Indian Income Tax Act, 1961**.

Maternity expenses can be covered under OPD expenses of this plan up to the OPD sum insured

Insurance against Terrorist activities

A maximum of 2 adults can be covered under a single policy

Buy Online and pay in EMIs without any extra charges***

* Except Cataract ( 20,000 per eye applicable)
** Tax benefits are subject to changes in tax laws
*** EMI facility available only for ICICI Bank (up to 6 months) and card customers at the sole discretion of the Banks.

STRATEGIC ADVANTAGE PROFILE.

Every firm has strategic advantages and disadvantages. For example, large firms
have financialstrength but they tend to move slowly, compared to smaller firms, and
often cannot react tochanges quickly. No firm is equally strong in all its functions. In
other words, every firm hasstrengths as well as weaknesses
Strategists must be aware of the strategic advantages or strengths of the firm to be
able to choosethe best opportunity for the firm. On the other hand they must
regularly analyse their strategicdisadvantages or weaknesses in order to face
environmental threats effectively.
In this session, we shall examine the strategic advantage factors that management
analyses anddiagnoses to determine the internal strengths and weaknesses with
which it must face theopportunities and threats from the environment.
In the discussion of these factors, it is not possible to consider in detail, subject
matter which arecovered by courses on Marketing, Human Resources, Finance
Management etc. Only a listing ofthese factors will be presented. Students should
refer to books and courses that they have attendedfor details. The order of discussion
does not indicate importance of the subjects. It is just aconvenient ordering of line
and staff factors. These factors will be covered under the followingbroad headings:
-----------Examples:
TheStrategistshouldlooktoseeifthefirmisstrongerinthesefactorsthanitscompetitors.
Whenafirmisstronginthemarket,ithasastrategicadvantageinlaunchingnewproductsor
servicesandincreasingmarketshareofpresentproductsandservices.