Hi – I rather have different type of confusion with health insurance. Below are my questions – can someone please answer them.
Background – I am a bachelor working in an MNC and health insurance wise covered by company policy. (Planning to take additional health cover, very soon). There is provision to cover my mother in the policy and she is covered and she does not have any other cover. But, my brother does not have any health insurance and am looking for good one to cover him – he is into 3rd of his BE course.
But, the problem is should I take individual policy for brother (who is 23 years old!) or should i take a family floater in my mother’s name and cover him under that policy? Am not sure if 23 year kid can be covered under familty floaters?
The reason I am looking for family floater is my mother was diagnosed with Thyroid Cancer in 2008 and she has been operated then under my company’s policy and now, if I quit or join some other company my mother’s pre-existing illness may not be covered!
Can you suggest something here or any other alternatives – am confused!
If you any idea which policy will suite my needs, please suggest. Thanks!