Hi, I am Karthikeyan working as Asst. Professor in an Engineering College. My wife is a TN Govt. aided School teacher. She is having group medical insurance (Star Health) provided by the TN government, in that myself, son and daughter are all covered. I don’t know about the coverage amount and claim benefits also. Is it advisable to go for family floater policy for me? Now I am getting a chance to get a group medical insurance from IEEE along with National Assurance in a reduced premium. Should I go for it?
Considering your and your wife’s job profile. I think it is better to stick with employer-provided insurance coverage. Because you both employed under Government organization, where the policy not change so easily. However, if you feel the cover is less, then opt for super top up plans.