Nowadays, people are more health-conscious and concerned about their well-being. There is definitely more awareness on healthcare expenses and also about health/Mediclaim policies that help in mitigating the risk of such expenses.
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Though people are aware of the importance of investing in a healthcare plan, many do not know which plan to buy, that is, whether to invest in a personal/individual health plan for each family member or a family floater. Investing in individual healthcare policies means separate insurance for each member with a defined medical cover.
In a family floater plan, the limit of the insurance policy can be utilised by any family member. For instance, if you buy a family health plan of Rs 6 lakh, then any member can utilise the entire limit. Therefore, in many ways, the family floater plan offers more flexibility in terms of utilising the entire insurance coverage.
Let’s have a look at some of the advantages of individual and family floater plans:
Therefore, family floater health insurance plan is the best plan when it comes to safeguarding the health of your loved ones. Since these policies are single policies for the entire family, it relieves you from maintaining several health policies for each family member. Family floater plans cover parent’s health insurance, spouse and children’s insurance in one healthcare plan. Thus, it is advisable that you weigh the pros and cons of both the policy types before investing in a health insurance plan.
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