Top Individual Health Insurance Plans in India
Updated On Oct 15, 2020
As the name suggests, individual health insurance plans cover only one individual, that is the policyholder, who will enjoy several benefits based on the premium paid under the policy. Individual health insurance policies are best suited to people with higher health risks. One can also add parents and immediate family members under these plans. Also, these plans can take care of more than one claim in a year as they cater to only a single person.
Let us now learn about the top 5 individual health insurance plans in India:
|
Name of the Insurance Company |
Plan Name |
Minimum And Maximum Entry Age |
Sum Insured (in Rs.) |
Coverage Benefits |
|
Individual Health Insurance |
3 months - 55 years |
1 lakh - 5 lakh |
In-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, daily hospital benefit, daycare treatment, ambulance expenses, etc. |
|
|
Health Gain Insurance |
91 days - 65 years |
3 lakh - 18 lakh |
In-patient hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, ambulance expenses, online wellness solution, etc. |
|
|
Individual Health Insurance Policy |
91 days - 65 years |
2 lakh - 20 lakh |
Daycare procedures, pre-hospitalisation expenses, post-hospitalisation expenses, in-patient hospitalisation expenses, domiciliary hospitalisation expenses, expenses related to ayurvedic treatment in defined hospitals, etc. |
|
|
Mediclaim Health Insurance |
3 months - 65 years |
50,000 - 5 lakh |
140 day care procedures, in-patient hospitalisation expenses, cover for ayurvedic and homeopathic treatment covered for up to 20% of sum insured for any one illness, etc. |
|
|
Health Guard Individual |
18 years - 65 years |
1.5 lakh - 50 lakh |
Daily hospital cash benefit for accompanying a minor child, maternity and newborn baby cover, cover for daycare procedures, etc. |
1. Universal Sompo Individual Health Insurance Plan: Individual Health plan is an indemnity based health insurance policy that covers you against medical expenses related to the hospitalisation in case of an illness, sickness, disease, or an accident. Available for individuals aged between 3 months and 55 years, the policy can be purchased for sum insured options ranging between Rs. 1 lakh and Rs. 5 lakh. The policy comes at an affordable premium and offers you several benefits such as cover for in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, daily hospital benefit, daycare treatment, ambulance expenses, etc.
2. Reliance Health Gain Insurance: Health Gain Insurance policy offered by Reliance General Insurance is another popular indemnity based health insurance policy for individuals. The policy can cover individuals aged between 91 days and 65 years for sum insured options ranging between Rs. 3 lakh and Rs. 18 lakh. It offers the insured several benefits including cover for pre-hospitalisation expenses, post-hospitalisation expenses, in-patient hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, ambulance expenses, online wellness solution, etc. Also, the policy comes with an add-on benefit of the accidental rider.
3. United India Individual Health Insurance Policy: Individual Health Insurance policy covers individuals aged between 91 days and 65 years for sum insured options ranging between Rs. 2 lakh and Rs. 20 lakh. The policy comes in three variants that offer different benefits. Some common benefits include cover for daycare procedures, pre-hospitalisation expenses, post-hospitalisation expenses, in-patient hospitalisation expenses, domiciliary hospitalisation expenses, expenses related to ayurvedic treatment in defined hospitals, etc. Also, the policy comes with add-on benefits that can be purchased by paying an extra premium. These include ambulance charges and hospital daily cash allowance.
4. National Mediclaim Health Insurance: Loaded with unique benefits, this policy covers the insured for 140-day care procedures, in-patient hospitalisation expenses, cover for ayurvedic and homoeopathic treatment covered for up to 20% of sum insured for any one illness, etc. The policy covers individuals aged between 3 months and 65 years for sum insured options ranging between Rs. 50,000 and Rs. 5 lakh (in multiples of Rs. 25,000). You can also add dependent children aged between 3 months and 18 years in the case at least one parent is covered. You can avail cashless treatment at a network hospital if covered under this policy.
5. Bajaj Allianz Health Guard Individual: Health Guard Individual policy is a popular health insurance policy offered by Bajaj Allianz General Insurance Company Limited that covers people aged between 18 years and 65 years. The policy can be purchased not only on an individual basis but floater basis as well for sum insured options between Rs. 1.5 lakh and Rs. 50 lakh. You can enjoy several benefits under this policy such as cover for convalescence benefit in case the hospitalisation exceeds for 10 days, daily hospital cash benefit for accompanying a minor child, maternity and newborn baby cover, cover for daycare procedures, etc.
These were the top 5 individual health insurance plans that are sure to please everyone. These plans are designed for individuals seeking comprehensive coverage and high sum insured options. To buy one, or know more about individual health insurance plans, you can get in touch with the customer care executives at InsuranceDekho. They will help you shortlist the best one as per your budget and requirements.
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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
