It also provides coverage on individual sum insured basis that covers self, spouse, dependent children, dependent parents, parents - in - law and siblings. (policybazaar.com)
Additionally, a family discount of 10 % is available if two or more family members are covered under the same plan on individual sum insured basis. (policybazaar.com)
If taken for individuals the sum insured is applicable for each person separately. (policybazaar.com)