Ques: I am looking for health policy for my wife 46, myself 55 and two children 23 and 15.
Most insurers consider up to 21 years of age for children. So, you we will need a health plan for 3 adults and one child. Here is a good blog about the significance of family floater health plan that you should read. You can opt for Max Bupa Family First to get comprehensive coverage for your whole family.