Topic: Individual health insurance policy and family floater policy

what is the total health insurance cover? Me and my wife have a family floater plan of Rs. 3 Lakh and each one of us is also covered by our respective employers for Rs. 2 lakh. What is the total health insurance cover available to us and which health insurance policy will be used first in case of any emergency? Please help

In your case each of you will have a cover of 5 lacs of which 3 lacs will be shared to you both. When claiming, you need to inform both the insurers about both your policies. They will split your claim amount accordingly among themselves.

http://khotapaisa.wordpress.com

The health insurance benefit would be beneficial to you as supplementary health insurance coverage apart from the coverage offered by the corporate policy. Plus, if you have taken an individual health insurance policy, it helps you to get some income tax rebates. So it is not necessary for you to cancel your existing policy. Also such a policy will also pay for a claim on a rateable proportion. Total cover would still be Rs. 3 lacs. Normally the group policy would be more liberal in terms coverage with regard to pre-existing coverage and maternity benefits etc. and it would make sense to use the policy 1st .

I like take floater policy including my father (age-63), mother(age59), myself( age-34),wife (age-34), daughter(age-2)
Like take 5lacks coverage for mediclaim with floater facility.
Pls suggest me the policy.
Thanks
Pravesh

Medicare Supplement Insurance Plan covers a good number of medical issues, however, there are particular things such as prescriptions that a Medicare recipient must deal with as well.

http://medicaresupplementinsurances.com/

This message was edited 2 times. Last update was at 12/04/2010 20:23:50

If a family size is of 6 members Self ( age- 27) + Spouse ( 25) +2 Children ( 2 & 9months) + Father ( 66 )+ Mother ( 60) can cover all these members under one health insurance policy. Please let me know.

This message was edited 1 time. Last update was at 10/06/2010 19:01:05

Thanks for sharing!!

Insurance Network

pravesh wrote:I like take floater policy including my father (age-63), mother(age59), myself( age-34),wife (age-34), daughter(age-2)
Like take 5lacks coverage for mediclaim with floater facility.
Pls suggest me the policy.
Thanks
Pravesh

lyou must take two policies one for your parents and one for you ur wife and kid the

As ageing people need more cover and 5 lacks is not enough for 5 persons

for information mail your queries to health.insurance@rediffmail.com

Buy a family health insurance policy online from Royal Sundaram. Their product range is fashioned to render additional cover to a varied range of customers for health insurance, travel and car insurance, accident and hospital cover that goes from the common man to business accumulates.
You can get all the details you require at their website:
http://www.royalsundaram.in/Family-Health-Insurance/family-health-insurance-features.aspx

Hi,

i am sujendra

The health insurance benefit would be beneficial to you as supplementary health insurance coverage apart from the coverage offered by the corporate policy. Plus, if you have taken an individual health insurance policy, it helps you to get some income tax rebates. So it is not necessary for you to cancel your existing policy. Also such a policy will also pay for a claim on a rateable proportion.

regards,

phe9oxis,

http://www.guidebuddha.com

if u want to know more about the features of maxbupa you can call me on 9560939292 or give me your contact number or e-mail , so that i can help you.

sujendra wrote:Hi,

i am sujendra

The health insurance benefit would be beneficial to you as supplementary health insurance coverage apart from the coverage offered by the corporate policy. Plus, if you have taken an individual health insurance policy, it helps you to get some income tax rebates. So it is not necessary for you to cancel your existing policy. Also such a policy will also pay for a claim on a rateable proportion.

regards,

phe9oxis,

http://www.guidebuddha.com

PankajChaturvedi wrote:what is the total health insurance cover? Me and my wife have a family floater plan of Rs. 3 Lakh and each one of us is also covered by our respective employers for Rs. 2 lakh. What is the total health insurance cover available to us and which health insurance policy will be used first in case of any emergency? Please help

Hi,

This is DURGARAM KRISHNAN HERE...

We have best deals with STAR HEALTH AND ALLIED NINSURANCE COMPANY LIMITED

Kindly call or text to my number +91 9884924331

I will call you...

Regards
DURGARAM KRISHNAN
+91 9884924331

Fields marked * are mandatory
Got a question?
Just fill in the following:
Name*		E-Mail*
Phone No.*		City
Message (up to 1000 characters)