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

This message was edited 1 time. Last update was at 13/10/2010 11:34:02

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.

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

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 03/09/2010 14:44:04

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.

now i am running age 64 i have a small income can i have any mediclaim polocy suitable for me

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 .

You can get Varishta mediclaim policy

There are 3 options available for family health insurance at max bupa (http://www.maxbupa.com/foryouyourFamily.aspx). They are relatively new in the Indian market, so their plans are very good.

One of my friends has taken maxbupa's policy recently and he seems to be very happy with their service. Any feedback available here?

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

[b]Dear Sir,
I am a advisor with Max Bupa Health Insurance; here in mumbai, i have unique plans which could provide immense benefits for you & your family.so can you send me your family details (i.e) date of birth.& your email id. my email id : chats65@mail.com.

Regards
Chetan Gupte.
MAX BUPA HEALTH INS.CO.

which is best and cheapest plan for my family i & my wife and 1 child.my age 31.and want 3 lakh floter plan to cover my family?
my id-

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

oriental insurance is the answer.

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

This message was edited 1 time. Last update was at 21/04/2011 14:05:54

Hi
Individual health insurance policy and family floater policy are two types of health insurance policies available in the market. An individual can opt for any of them depending upon his/her requirement. If a person has a family buying individual coverage for every family member can prove to be an expensive affair. In such a scenario a family health insurance commonly known as a family floater health insurance would be an ideal choice.

Hi,
I want to buy health insurance policy for myself age 31 and my wife age 29.
I heard that at the age of 45 I ll have to undergo medical test and if any disease is found then the premium would be higher and will increase but if I take ulip health insurance linke LIC's Health protection plus i wouldnt require checkup.
Is is true and what is ur suggestion on it.Should I go for LIC policy or any other normal mediclaim

what is family floater policy ?

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

Anonymous wrote:

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

DEAR SIR / MADAM

I CAN PROVIDE YOU THE MEDICLAIM POLICY

PRAVIN

9869315640

amchitambe@gmail.com

Anonymous wrote:

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

[b]Dear Sir,
I am a advisor with Max Bupa Health Insurance; here in mumbai, i have unique plans which could provide immense benefits for you & your family.so can you send me your family details (i.e) date of birth.& your email id. my email id : chats65@mail.com.

Regards
Chetan Gupte.
MAX BUPA HEALTH INS.CO.