Medical insurance takes care of the hospitalization expenses of your entire family. This plan takes care of all of the medical expenses during sudden illness, surgeries and accidents. For example, the Rahul family has a traditional health insurance plan- Rahul 2 lac, his wife Rs 1 lac, their son and daughter Rs 50,000 each and they have been paying premium for all these four policies. In an unforeseen situation, Rahul’s son surgery and post hospitalization bill is of 1.30 lac.The existing policy will cover only Rs 50,000, while Mr. Rahul will have to bear the balance Rs. 80,000 from his pocket. With Family Insurance plan, each member of Rahul family is covered up to Rs. 4 lac. Thus, Family insurance covered entire Rs.1.30 lac.

This policy covers medical expenses:

Incurred as an inpatient during hospitalization for more than 24 hours, including room charges, doctor/ surgeon's fee, medicines, etc.

30 days prior to hospitalization
60 days post hospitalization
Day Care expenses incurred on advanced technological surgeries and procedures like Dialysis, Radiotherapy, and Chemotherapy, require less than 24 hours of hospitalization

The enrolment age (of the senior most family member) should be between 19 years to 60 years.

Other members in this plan can be less than 19 years of age (i.e. up to 91 days).
The policy cover renewable till the age of 70 years.
The customer can buy the policy for any family member(s).

Free Life Insurance:

Free life insurance comes under the Life Bridge program. .In this program there is no extra cost to any covered insured or his/her children. Each life insurance policy awarded under the Life Bridge program and has $50,000 death benefits.

The eligibility criteria to apply for a Life Bridge program are:

Age should be 19-42
The parent or guardian of one or more dependent children under the age of 18
Should have permanent resident of the united state.
Total annual family income should be between $10,000 to $40,000
Applicant should have good health (according to the mass mutual’s criteria)
If during the 10–year term of the policy, an insured dies, the death benefit will be paid to the trust established by mass mutual for the educational benefit of the children.