I want to buy a family floater health insurance for me (38), my wife (28), two sons (3 and 1). Actually my elder son have VSD (hole in heart) by birth which may need a surgery in future. Will a company sell insurance to me with this disclosure? Should I hide this fact while buying the cover? Will it create any trouble in future?
Never hide any material facts from an insurer. It may land you in trouble at the time of making a claim. Disclose all details while filling the form. Pre-existing diseases are not covered by insurers. So, you will get family floater insurance cover but without covering pre- existing illnesses. You may go for Apollo Munich Easy Health plan or ICICI Lombard Complete Health Insurance-iHealth Plan. Policy premiums will be based on medical condition of all family members.