I am 35 years old, wife is 32 years, son is 3 years and my parents are 69 and 63 years old. We are not covered by any health insurance policy. I have chalked three options ? one, take an individual policy for each and every member of the family. Two, go for a family floater and three, take a family floater covering self, wife and son and a separate policy for my parents. What will you recommend?