Type of policy The first and foremost thing to decide is whether to enroll in a family floater plan or an individual policy.
Buyers with families must decide whether to cover all members under individual health policies or a common family floater plan.
Rakesh Goyal, director, Probus Insurance Broker Pvt. Ltd., says, “While buying health insurance, keep your family members and their ages in mind.
Buying a separate policy for the elderly would save on the additional insurance premiums that otherwise would be charged based on their age under the family floater plans.