A Family Floater Plan is the best insurance policy for yourself and your entire family. It is a single insurance policy that includes all family members. This implies you, your wife, and your kids can join a similar insurance policy for a particular amount.
A Health Top-Up Plan is an additional insurance plan we can take in addition to our initial plan. It would act as an additional safety and can be more useful than just having a single insurance policy. It's a good way to ensure your family stays safe and is covered for unexpected medical expenses.
Can I Get Top-Up Insurance for My Family Floater Plan?
In general, you can get a top-up health insurance plan along with your family floater plan; however, some conditions might apply. These conditions are:
- Existing Policy: Your existing policy can sometimes decide whether you can get a family floater top-up or not. Many policies agree that you should get top-up insurance, while others may not.
- Age Limit: Insurance companies often have an age limit for getting top-up insurance. However, these limits can vary, so it's best to ask your insurance provider about their specific rules for top-up plans.
- Deductible: Different top-up plans can also have various conditions, and some could try to incorporate deductibles. You could pay a specific sum before your top-up coverage can kick in.
- Health Check-up: Your eligibility for the top-up health insurance policy will be determined based on your health check-ups and results, which might depend upon your age and any chronic diseases you have.