← Health Insurance Basics · Lesson 3 of 3
Family floater and super top-up
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A family floater shares one sum insured among family members. It is cost-effective for young families; parents are often better covered separately.
A super top-up starts paying after your yearly bills cross a limit (the deductible), and adds large cover at a comparatively lower premium. It works well together with a base or employer policy.
Renew on time: a break can mean waiting periods start again.
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