Family Floater


Family Floater

With increasing health care costs in India, health cover for family has become a necessity. A common man always faces a dilemma of choosing the best family floater health insurance plans for himself and his family. Customers today are looking for best products from family health insurance companies for parents as with age the probability of age related illnesses also increases and therefore one should compare health care plans provided by insurers.
Health insurance is available in India in two formats An Individual Health Policy which caters to a separate health insurance policy for each of the family members and Family Floater Plans wherein the entire family is covered under one plan. The customer has the option to include self, spouse, children and parents thus getting a full family medical insurance coverage.
This genre of policy allows one cover amount for the whole family at comparable prices thus helping you resolve the dilemma of covering children for higher amount since children might have very low risk. There is one floating sum insured for all the family members and now a day’s a lot of family health insurance companies are offering such plans to the consumer. In order to evaluate the best family floater health insurance plans for you and your family, certain parameters and benefits of family health insurance plans in India should be kept in mind.

Factors to consider: Family Floater Plans
a) Family health insurance plans India are priced always keeping in mind the age of the senior most member of the family; they may sometimes become expensive.
b) Maximum age for renewability - This varies from company to company.
c) A family floater policy carries a rare risk. If a family has a floater plan for a sum assured of Rs 2 lakh and if for example the entire family suffers medical emergencies in an accident, then in such a case the cover would be inadequate for the family as each of them may require Rs 2 lakh for treatment. The individual will then have to shell out money from the pocket for treatment. In such a scenario, an individual cover will score better.
d) Family floater mediclaim policy comparison should be done keeping in mind your coverage for pre existing diseases, insurance for maternity and exclusions during the first 30 days of the policy. The requirement would depend on the life-stage majorly.

For more information click the link below:
Advantages of Family Floater Plans

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Gaurav Kansal-9313368533


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