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6 Common Questions People Have About Family Floater Health Insurance


Family floater health insurance plans provide the convenience of covering your entire family under a single policy. Instead of buying individual policies for each member of your household, you get a comprehensive one by paying a single premium. The entire coverage amount is shared by all the members covered in the plan, including adults and children.

The ease of coverage offered by family floater health insurance plans sees an increasing number of people opt in for them. If you too are planning to secure your family’s insurance needs with this type of insurance, you are making a good choice.

Now, before buying any form of insurance, it is considered good practice to read up on it as much as possible. You should purchase your policy only after having complete knowledge so as to prevent as doubts from arising in the future. To that effect, this article answers a few questions people commonly ask about family floater health insurance.

  1. Which family members can be covered in a family floater health insurance plan?

Insurance companies generally allow you to cover yourself, your spouse, dependent children, parents, parents-in-law, and dependent siblings. Some insurers may even allow you to add your brother-in-law or sister-in-law. The number of family members you can include in a single policy may vary between insurers.

  1. What is the maximum age up to which I can cover my children?

Most insurers allow you to cover your children up to the age of 18 years under a family floater health insurance plan. Some insurers extend the age of inclusion up to 25 years and even allow for unmarried daughters to be covered for life.

  1. What factors determine the premium of a family floater health insurance plan?

The premium of a family floater health insurance plan is determined by many factors such as the age of the most senior member of the plan and the number of adults included for coverage. A higher number of adults or senior members would lead to an increase in the premium. Also, if any of the members covered have serious health problems – like pre-existing diseases – the premium goes up too.

  1. Does a new born baby get covered under a family floater plan?

Most insurers generally cover new born babies from the age of 91 days in family floater plans. As this can vary depending on the policy wordings and inclusions, do discuss the details with your insurance provider.

  1. Can I buy coverage for domestic help under a family floater plan?

No, you cannot include your domestic workers under your family floater health insurance plan. However, it is good to help your domestic workers get health insurance of their own. You would need to buy the coverage in their name and can make the payments from your own finances.

  1. What happens to the family floater plan if the family member who took the policy dies during the policy period?

In this situation, the family floater health insurance plan can get transferred to another member covered in the plan, provided that he/she is 18 years of age or more. Don’t worry, the policy doesn’t lapse if the person who took the plan passes away.

For specific queries on your family floater plan, do get in touch with your insurance agent or company. Hope this article has proved helpful for you.

Take care.