Health insurance for myself (24M) and my mother (49F) — Floater or separate policies?

Hi everyone,

I'm a 24-year-old male with no chronic illnesses or pre-existing conditions.

My mother is 49 years old. She was diagnosed with depression about two years ago, but she's doing well now and is no longer facing any major issues. Apart from a few dental cavities, she doesn't have any other known medical conditions.

From next month, I'll be joining a company in a contract role where I won't have corporate health insurance. Because of that, I want to buy health insurance for both of us.

I'm confused about whether I should:

• Buy a family floater policy covering both me and my mother, or
• Buy two separate individual policies (one for me and one for her).

Also, which insurance company has been good in terms of claim settlement and overall experience? The more I read online, the more confused I get because every insurer seems to have both great and terrible reviews.