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Dheeraj Venu

Stealth • 5m

Hey All, I am 28 and planning to take a Medical Insurance for myself and two parents [60's and 50's]. What all floaters , terms and conditions I need to look before finalizing a policy. I do have a corporate health insurance of 8 lakhs for myself. Any helpful suggestions will be appreciated 👏

3 replies8 likes

Replies (3)

Hawk
•

Medial • 5m

If I’m not wrong then make sure that your parents insurance is separate as the policy monthly premium will be decided on based on the most eldest member age listed on the policy, they will also consider their previous diseases and all that

0 replies

Anonymous 2

Stealth • 5m

Ensure the sum insured is adequate to cover major medical expenses for yourself and your parents. Given their age, consider a higher sum insured, especially since healthcare costs rise with age. Evaluate if a family floater policy, which covers all members under a single sum insured, is more beneficial than individual policies. While family floaters are often more economical, high claims by one member can exhaust the entire cover.

0 replies

Anonymous 1

Stealth • 5m

Just don’t trust acko. If you ask ditto insurance people they do this for free.

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