Health insurance plans range from individual health plans to family floaters, critical illness plans and senior citizen health insurance policy. Individual health plan premium depends on age of individual and sum insured, health status and various criteria based on which benefits are allowed. Under family floater policy, the whole family is covered. Critical illness plans offer lump sum payments or indemnity payments based on selected policy terms. These can also be purchased as a rider to a health insurance policy. Senior citizen plans offer special health protection options during old age.