Family Floater Plan - Advice
09 Jul, 2021 by Sanjay Viswanadha
I am planning to take Health Insurance Family Floater amounting to approximate 30L or 50L for (self, wife & daughter).
My main points to consider the policy was no co-pay, no claim bonus and room rent. I found Max Bupa promising but want to know which one is better between :
a) Health Companion VS Reassure.
b) Suggestion on any other policy better than the above.
c) Is it good to go directly with the company or any advantage to go with aggregators.
d) Any aggregator / contact which you suggest whom I can reach out for taking hassle free policy and also helpful in near future during claims etc.,
e) Any other valuable point to be considered before taking a policy
Both the plans from Max Bupa are highly recommended. But before we speak about the plans, I need to understand the medical background or medical history of the people you want to cover in your policy, this can potentially change my advice. I have written about what to look for in the medical history in an earlier query on Beshak here - https://www.beshak.org/forum/post/pre-existing-disease
Since this is a public platform, I understand it may not be feasible to share personal medical details here. Feel free to write to me on firstname.lastname@example.org if you want to privately convey those details.
Answers to some of your questions in the order-
c) All are the same, nothing less nothing better.
d) Will discuss once you are clear on (a) and (b)
e) You will find some more pointers in my response to an earlier Beshak query here - https://www.beshak.org/forum/post/health-insurance