Health Insurance

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Family Floater vs Individual Health Insurance

Difference between Family Floater and Individual Health Insurance

Family Floater Health Insurance

Individual Health Insurance

It is for the entire family. One annual premium provides coverage to all members of the family.

It provides coverage to one individual only.

It comes with a flexible utility of the sum insured between the members of a family.

As only one person is insured, the flexibility criteria do not fit. He/she either uses the sum insured or not.

Premium is calculated as per the age of the oldest family member.

The age of the individual to be insured is the deciding factor for the policy’s premium.

One member’s usage of the entire policy, the amount will affect the entire family’s bonus.

The insured can enjoy no-claim bonus and other incentives, given his usage of the policy amount.

Benefits of Family Floater & Individual Health Insurance