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Date : Feb 15, 2009

Question

I have medical insurance policy with Royal Sundaram for my family along with parents. Its taken in 2003-04. I wish to transfer it to Public sector company in the following way 1. The entire family with same sum assured along with sum assured bonus is any. 2. the sum assured is now per family member. I wish to convert for a single amount for whole family. Is this possible?. How do I do this?. Pl. advise.

Answer

You want to transfer your individual policies under a family floater policy of a public sector company. First of all, carrying the bonus to any other company will be very tough for you. As we don't think that the new insurance company will allow you to do so. Secondly, once you enter a new policy, there will be a new pre existing clause of the new insurance company which you and you family memebers will have to satisfy.

Our recommendation is to continue with the same plan of Royal Sundaram if they are not that bad at paying claims.

 

 

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