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The premium of the policy may range from INR 1500 To INR 3000 for a policy cover ranging from INR 1 Lakh to INR 2 Lakhs. What Is A Family Floater Policy? A Family Floater policy is a higher variant of the individual mediclaim policy. The assured sum covers an entire family. This means that the policy floats among the family members. Each family member comes under this policy. The premium paid for the family floater is lesser than if each individual member had taken up a health policy. Let us consider Mr Mohan a 35 year old IT Executive takes up a family floater policy for a sum insured of INR 10 Lakhs. Mr Mohanâ€™s father had a heart ailment hospitalization of which cost INR 6 Lakhs. The result of this was the cover was reduced to only 4 Lakhs as a result of this illness. However a critical financial crisis was averted. Mr Mohanâ€™s brother of 12 years and mother as well as himself are covered under this policy. 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The tests required are General medical, Urine Test, Blood test, ECG, Blood Cholesterol, Serum Creatinine, and stress test. Premium for the sum insured of 5-10 Lakhs is around INR 30,000 - INR 50000 with a varying degree of medical tests. Premiums are around 1 Lakh for a sum insured of INR 15-20 Lakhs. The premium is calculated based on the eldest family memberâ€™s age. â€¢If you are taking a family floater covering your father and mother who are suffering from diabetes and hypertension and you want to take a health cover for INR 6 Lakhs, you have a premium in the range of INR 30000 to INR 35000.It might go up to INR 45000 for a sum insured of 10 Lakhs. 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What Is The Role Of A Third Party Administrator In Health Insurance? â€¢These are basically outsourced by the health insurance companies. They function as an intermediary between the hospitals where patients or policy holders undergo treatment and the insurance company . These companies are licensed by the IRDA and have telecom facilities with phone numbers starting from 1600 which are toll free. â€¢A Computer Database having all the details of policy holders. â€¢Medical specialists to assess whether health care is needed or not, assessing hospitalization treatment and passing of the claim bills. â€¢They coordinate with hospitals with respect to treatment of patients, settling of medical bills on behalf of the insurance company. â€¢When a patient is ill he is not able to help himself. His relatives and family members admit him to the hospital and then have to apprise the TPA of the situation over phone or in writing. 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