Roopam Asthana | Answer |Ask -Follow
Answered on Jun 11, 2021
1. I am planning to buy a regular health insurance plan for myself and my family. Shall I opt for an individual policy or a family floater?
Family floater gives higher discount as several family members share the defined sum insured. Hence it can be a smart option for your financial health. However, in case of a family which has aged or elderly members, a family floater may not be appropriate as the premium in case of a family floater is highly dependent on the age of the eldest member.
Also, the sum insured may not be adequate for the family in case of a more complicated health intervention. A floater works best for a younger family.
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