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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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