A family floater health insurance plan is often considered the smartest and most cost-effective way for a family to manage healthcare costs. This pooling of the Sum Insured (SI) offers convenience and savings compared to individual plans. What happens when one family member uses up the entire SI in a family floater health insurance plan? The Mehra family faces an empty reservoir: family floater coverage is used up! Immediate effects of sum insured exhaustion in a family floater planThe Sum Insured in a family floater is a single, shared pool of funds available to all covered members.