Family Floater, Best Health Insurance Plan

Ramesh is a salaried person who works in a shipping company in Mumbai. He was a family with 2 children. Recently one of his children was sick and he had to pay for hospitalization costs. The learning from this experience is looking for an insurance plan to protect your family from any unwanted charges. What was supposed to decide? He has several options at hand. As per a traditional insurance plan, he can get insurance plan for each family member. It can also opt for a family floater plan for heath insurance. Do you know what a family floater plan?

In simple words, the family floater health insurance plan means an insurance policy for your entire family, where you have the overall policy of the ceiling, but there is no individual limit for any family member. Let's understand the example.

Under the traditional plan, Ramesh could take individual policy for yourself and your wife for Rs 2 lakh plus Rs 1 lak policies for their two children. There is a premium for individual policies, but imagine the unfortunate case of medical costs Rs 1.5 easy for one of its child, the insurance company will not cover the full cost. So you can understand that Ramesh health insurance plan is not optimal.

If you opt for a family of Ramesh floater for the RS 4 easy, none of his family member has an individual limit. In case of any unfortunate hospitalization, each member is protected to the maximum RS 4 easy subject to total family limit RS 4 features easy-to godinu.Najbolja family floater is a premium savings of up to 55% compared to individual policies.

There is no doubt that the family floater provides a better choice of health insurance. All life and general insurance companies that offer family floater policy, so that the customer needs careful decision when choosing a company and insurance plan. Here are some points to consider:

- A lump sum and the amount of premiums
- Coverage for 2 years gets cheaper to buy a policy for two years. So, check this option.
- Existing Diseases coverage (normally, the plan covers preexisting disease after 2 years)
- Renewal (some insurance company does not allow renewal after 60 or 70 years old)
- Cools period (during the initial 30 days the insurance company does not allow any claim unless emergency)
- Misc benefits - check benefits such as ambulance fees, no claim bonus, benefits health checks, etc.)