Both Family floater and individual health policies are similar in nature with regard to coverage. Family floater policies tend to be cheaper than individual health polices. further, it is easier to manage a single policy. Family floater polices work on the probability that not all family member will fall sick on same time.
Ideally if can pay the additional premium you can go for individual polices. The advantage could be a discount in premium if two or more family members are added to the policy. Separate health check vouchers for each individual.
Normally It is always better and advisable to take family floater mediclaim, as with single policy you manage all. with reduced premium.
But you you have to look out the age of the persons and consult the advisor regarding this. He will advise the best possible combination. wheather to take individual or family policy.
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