Multiple claims from members under family floater policy
I am planning to buy Niva Bupa ReAssure 2.0 insurance policy for my mother (47 yo) and my father (54 yo). Under booster+ benefit of this policy, SI will be restored after every claim.
I am trying to understand how a floater plan is any different from 2 individual plans of same SI (lets say 10L) since SI is anyway going to be restored with any claim. Floater plan is ~30% cheaper as well.