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Any pre-existing disease will load the premium for the coverage availed by the entire family
The premium for a health insurance policy to be issued to a person with a pre-existing disease is comparatively high, it’s better to purchase a separate health insurance policy for such a person in your family
No Claim Bonus or NCB Could be Affected.
In case of a health insurance policy, if you do not make a claim in a policy year, you are entitled to receive no claim bonus in terms of a discount in the premium at renewal or add-on benefits.
However, since in case of family floater health insurance policy, the NCB vanishes right there and then if a family member makes a claim
Now, if you include your parents in your current family floater plan and they get hospitalized to a pre-existing medical condition or all of a sudden, the NCB is affected.
In case they have a separate health insurance plan, the NCB of only their own policy will be affected
The Coverage for you Might be a Little When you Need It.
You might have coverage of Rs. 10 Lakh under your family floater policy, which is enough for a family of 4.
However, the same coverage might not be enough for a family of 6 (after including you parents).
If one or more members of your family keep getting hospitalized due to recurring medical condition, the coverage for you might not be enough when you actually need it.
Therefore, if you still want to include your parents in your existing family health plan, make sure you increase the sum assured by the policy
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