Individual vs Family floater health insurance. Which one is better for me? | Gaurav Jain
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- เผยแพร่เมื่อ 5 ก.ย. 2024
- #healthinsurance #investyadnya #yia
The choice between individual and family floater health insurance depends on the needs and circumstances of the individual or family.
Individual health insurance may be a better option for individuals who want a policy with a fixed sum insured, as it provides coverage for a specific amount of medical expenses. This may be particularly suitable for individuals who have a pre-existing medical condition or are at a higher risk of medical expenses.
On the other hand, family floater health insurance may be a better option for families who want a policy with a higher sum insured that can be shared among all the members of the family. This type of policy may be suitable for families with multiple members who have varying health needs, as it provides flexibility and allows the sum insured to be used for the medical expenses of any family member.
Ultimately, the best option for an individual or family will depend on their specific needs and circumstances. It is important to compare the features and benefits of both types of policies and consult with a financial advisor before making a decision.
In this video, we will discuss benefits & disadvantages of each. Also we will try to help you choose which one is better for you.
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Gauravji you missed very important point i.e. Restoration. There are companies like Manipal Cigna, Hdfc Ergo etc who gives unlimited Restoration during the policy year. It means if you have taken a cover of 10 L and if suupose the claim of Rs. 4 L came in first two month then again the cover of Rs10 Lrestore for balance ten months and it happens for unlimited time during that policy year without any extra premium.
Which plan of Egro or cigna have these options
Care Supreme
IY always brings up different topics …..keep it up….thanks Gaurav ji 🎉
Hi minimum per person how much is recommended for insurance
Agar mujhe office se already medical insurance hai to kya separately ek aur Lena chahiye? Pls guide..
Very good question , depends on 2 scenario
1. If you are young and have job security , no need .
2.if you are old and with less job security , u should have one
Q: What happens if the family floater is taken when the kid is 15 yrs and 10 yrs later when the same person crosses the 25yr. Will the person kicked out of the family floater policy or will it continue as usual.
At 25 years, kid will have to buy an individual policy and cannot be part of family floater
You have to take seperate policy for that person or you have to convert the existing Floater policy into Multiindividual policy.
Thanks
Ek bat btayiye agr me car me hu or meri car ka accident hota h... Jisme puri family bethi h mere sath...sabhi ko hospitalized hona pda 5 lakh ki limit kis trah use hogi ...
If the base cover is for 10L, what is the recommendation for the deductible in super top-up say 5L or 10L? Considering the following scenario:
1. If for any financial reason, I need to drop the health insurance which takes care of my base-cover and I am left with only a super top-up plan.
2. I have both policies covering base cover & super top-up.
Family policy in which all have different sum insured
In HDFC ergo family plan of 8lac, if one person claim 2lac then other's will be eligible for 6lac or 8lac per person is there?
How about if we take family floater with pre existing disease with restoration benefit?
Hii. Can you please tell me that, should i take individual or continue family plan cuz my parents are above 50 and me and my sibling are under 20?
In family floater, is there some cap on individual member cover? Ex- I have family floater of 5 lakhs of 3 members. So is there something that one member will get only maxiumum cover of 1 lakh?
Very relevant information, ty
What happened if policy holder died in family floater plan. Will it be continued for dependent person
sir if I take a family floater plan and add my parents as dependents rather than I be dependent on them in their policy, then will the premium be lesser or same ?
please reply
I am 50 have family heath insurance of 3lakh covering 3person at United insurance co paying about 14k yearly
Very informative Sir!
Should I choose 5L or 10L as deductible for my super top-up health insurance considering that I have a base cover of 10 lacs?
You can take ₹10 lacs deductible
Thanks
Try to calm down first you look and sound so frustated that it was very irritating and had to leave the video inbetween to write this comment. Try meditation and Stay Calm and composed.