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Dheeraj Venu

Stealth • 4m

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.

Anonymous 2

Stealth • 4m

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.

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