You need to decide whether the COVID 19 health policy you want to buy should be a family floater or non-floater plan.

A family floater plan can cover all your family members for a single premium & the overall sum insured can be utilized by all insured members, whereas a non-floater or family individual health policy offers individual sum insured for each member of the family at an individual premium. Alternately, if you wish to cover a single member in the family – the same can be done via an individual health insurance policy.