THE FLORENTE GUIDE · HEALTH INSURANCEChoose the right family structure
Compare an individual policy for each person with a family floater. Check whether the same sum insured is shared and how adding children or parents changes eligibility and premium.
Review limits for each member
Look at room eligibility, co-payments, waiting periods, maternity and newborn rules where relevant. A shared sum insured can be used by more than one family member.
Plan for renewals
Check how premiums may change as family members age and how dependants can be added or removed under the insurer’s terms.
The details to put side by side.
Co-payment
Check whether you pay a share of each eligible claim, and when that share applies.
Waiting periods
Ask when cover starts for existing conditions and specific treatments.
Room and treatment limits
Read room eligibility and any caps on particular treatments alongside the total cover.
Hospital access
Confirm your preferred hospitals with the insurer and understand the cashless process.
Compare the conditions, too.
Two policies can show the same cover amount but have different co-payments, waiting periods or treatment limits. Put those details next to the premium before deciding what to ask the insurer.
Bring these to your conversation.
- Names and ages of the people you want to cover.
- Your existing policy schedule and renewal date, if you have one.
- Questions about medical history, ongoing treatment and the insurer’s disclosures.
- Your preferred hospitals and any policy options you have shortlisted.
Your next step
Use the checklist, review the insurer’s current policy documents, and write down anything you want clarified before you choose.
Open your checklist