Family Insurance Plans
One view of health, life and home cover for the household
Families usually accumulate policies one at a time, which leaves gaps in some areas and duplication in others. Reviewing health, life and home cover together shows whether a family floater is more efficient than separate individual policies, whether the life cover still matches the liabilities, and whether the home is insured for reinstatement cost. We do that review and place what is missing.
Family Insurance
A family floater covers every insured member from a single sum insured, which is efficient while the family is young and healthy but strains when two members claim in the same year or when the eldest member’s age drives the premium for everyone. Separate individual policies cost more in total but isolate that risk. Super top-up cover sits above a chosen deductible and is a cost-effective way to raise the ceiling without raising base premium. Alongside health, a household needs life cover sized against the home loan and the dependants’ remaining years of support, and home cover valued at the cost of rebuilding rather than the market price of the property. Reviewing all three together is what surfaces the duplication and the gaps. SmartTech carries out that review and places the cover that is missing.
Our Goals
Test floater against individual cover
Raise the ceiling with super top-up
Align life cover with liabilities
The Challenges
Policies bought one at a time leave families over-insured in one area and exposed in another, and nobody notices until a claim.
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