Unified health cover for families

Base floater policy

Super top-up combination

A single collective sum insured shared between spouse and dependent children covers inpatient hospitalisation. In-built restore benefits automatically reset the insured sum if an unexpected illness exhausts limits during a single policy year.

Pairing a moderate base floater with a high-deductible super top-up creates deep aggregate protection against catastrophic hospital bills while preserving household monthly cash flow.

Separate plans for parents

Including elderly parents within a general family floater raises the total premium based on the oldest member's age. Furthermore, higher claim frequency from seniors can rapidly deplete the shared sum insured, leaving younger members without coverage.

Setting up separate individual senior health covers preserves dedicated sums insured, custom pre-existing waiting periods, and specific day-care procedure limits for parents while keeping your nuclear household floater cost-effective and intact.

Assess your family policy

Review collective sum insured options, maternity waiting terms, and newborn inclusions directly with an authorized advisory representative before choosing your cover.