Family Floater, Best Health Insurance Plan

Ramesh is salaried person working in a shipping company at Mumbai. He has a family with 2 kids. In recent time one of his kids was ill and he had to pay for hospitalization charges. Learning by this experience he is looking for a insurance plan to protect his family from any unwanted expense. What he should opt for? He has few options in his hand. As per traditional insurance plan, he can get insurance plan for each family member. He can also opt for a family floater plan for heath insurance. Do you know what is family floater plan?

In simple words, Family Floater Health Insurance plan means a single insurance policy for your entire family where you have total policy upper limit but doesn’t have individual limit for any family member. Let’s understand it with an example.

Under traditional plan, Ramesh could have taken individual policies for himself and his wife for Rs 2 lakh plus Rs 1 lakh policy for his 2 kids home depot health check . There is an premium for individual policy but imagine an unfortunate case of medical expense of Rs 1.5 lakh for one of his kid, insurance company is not going to cover full expense. So you can understand that Ramesh’s health insurance plan is not the optimum.

If Ramesh opt for Family floater of Rs 4 lakh, none of his family member is has individual limit. In case of any unfortunate hospitalization, each individual member is protected for maximum Rs 4 lakh subject to total family limit of Rs 4 lakh for year. The best feature of Family floater is savings of premium up to 55 % in comparison to individual policies.

Hence there is no doubt that family floater is providing better health insurance option. All life and general insurance companies are offering family floater policy so customer needs to take a careful decision while selecting a company and insurance plan. Here are few points to be considered:

When you know your testosterone level you will be empowered to act on it with certainty. And sadly, doctors will rarely offer to test your blood for your testosterone level, so the onus is on you to demand the blood test as part of your routine health check-ups. By having regular testosterone level checks, you can build up in your file a reliable trend of what is happening in your body and you can be proactive about how to deal with any decline. A healthy testosterone level will ensure you stay active and vigorous in life, and you will want to play sport than watch it. You will naturally have more muscle mass and less body fat than other men you know, and your general state of mind will always be positive and “can do” in the way you live your life.

Should your regular health checks and blood-tests reveal a declining hormone level, you should avoid at all costs any type of hormone replacement therapy recommended by your doctor because they have significant and long-lasting negative health impacts. If you allow yourself to be prescribed synthetic hormones to make up for a lower than normal level of androgenic hormones, the drugs will essentially tell your brain to stop causing your testicles to make their own androgenic hormones. Sure the drugs will feel great, and you will head down to the gym and workout like a professional body builder – but you will also be stuck in a vicious cycle of dependence on these synthetic hormones and eventually be incapable of making your own testosterone.

Regular check-ups of your testosterone level are the key to good health – but the answer to dealing with any decline is to eat the right foods and to stimulate your testicles into increased production by doing 7 minutes per day of intense weights training which tells your brain that it needs to command more testosterone to be made naturally.

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