Age-Based Pooling: Optimize Family Health Insurance by Age Group
👨‍👩‍👧‍👦 What is Age-Based Pooling? Age-based pooling strategically structures family floater health insurance by grouping members into age bands for optimal premium calculation and coverage allocation. Unlike standard pooling, this method accounts for varying risk profiles across generations. Key Principles: Risk Segmentation: Younger members subsidize older members Premium Efficiency: 15-30% savings vs standard family floaters Customized Coverage: Age-appropriate benefits for each … Read more