Krishna is a 40 year old finance professional working with a private firm. His family consists of his home maker wife and two young children. A couple of years back, an article in a magazine made him aware of the importance of medically insuring himself and his family. This prompted him to buy a family floater policy with an annual sum insured of 4 lakhs on which he pays a premium of around 15,000/- per annum. He was pleased with his decision of having adequately provided for any unforeseen medical emergency.