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Best Individual Health Insurance Plans To Buy In 2021

Published On Sep 16, 2021 10:00 AM By InsuranceDekho

Health insurance must be bought for everyone irrespective of the age and medical condition, as life is full of unforeseen events. It is important to have financial backup for emergency medical hospitalization as the cost of treatments in private hospitals has increased over the last few decades due to the rapid rise in inflation. Health insurance covers offer monetary compensation and it also ensures quality treatment to the patients insured under the purchased health insurance policy. There are various types of health insurance plans that are available in the market, and they can be chosen according to the requirements of the individuals. Hence, policyholders must carefully analyze their requirements before investing in a health insurance plan.

Individual health insurance plans are health insurance covers that insure a single individual. The sum assured under the plan and its coverage is entirely availed by a single individual. It comes with a wide and extensive coverage for the policyholders. Individuals can include necessary additional covers based on their financial budget. It offers a plethora of features and benefits like pre and post hospitalization, domiciliary expenses, inpatient costs, room rents, ambulance covers, medicinal charges, free healthcare checkups, and much more. Tax reduction on premium payments is provided to the policyholders who are also the taxpayers. People can customize a plan according to their needs and avail its benefits at the time of claim settlement process.

Best Individual Health Insurance Plans To Buy In 2021

Best Individual Health Insurance Plans To Buy In 2021

Let us look at some of the prominently bought individual health insurance plans in 202, offered by different health insurance providers:

1. Bajaj Allianz Health Guard Health Insurance Plan

This is a comprehensive health insurance plan offered by the Bajaj Allianz Health Insurance company. It protects the customers against high medical expenses at the time of an emergency. It is available for individuals and can also be bought for families. This plan provides coverage to pregnant women and their new born baby. Ambulance charges of up to Rs. 20,000 are offered under this plan by the insurer. Maternity expenses, AYUSH treatments coverage, daily cash benefits, etc. are some other benefits that can be availed by the policyholders at the time of claim settlement process.

Must Read: Individual Health Insurance Plans Vs Group Health Insurance Plans

2. Future Generali CritiCare Health Insurance

This health insurance plan is a wise investment for critical illness medical expenses. This exclusive plan covers around 12 critical diseases and ranges from Rs. 1 Lakhs to Rs. 50 Lakhs. Along with the other benefits, it offers a lump sum benefit of the sum assured to the policyholders, and also ensures cashless claim benefits at the network hospitals of the insurer. Diseases like STDs, depression, pre-existing, etc. are not covered under this plan.

3. Oriental Individual Mediclaim Health Insurance Cover

This health insurance plan is available for individuals of age 18 to 65 years, and is one of the affordable and cost effective individual health insurance plans in the market. The maximum entry age can be extended from 65 years to 70 years and no pre medical healthcare checkups are required for people up to the age of 55 years. This health insurance plan covers intensive care charges, surgeon fees, OT charges, diagnostic fees, dialysis, chemotherapy costs, etc. of the individual. It does not cover medical expenses incurred due to the self inflicted harms and suicidal attempts. The assured amount under this plan ranges from Rs. 1 Lakhs to Rs. 10 Lakhs.

4. SBI Arogya Premier Policy

This extensive health insurance cover compensates for the pre and post hospitalization expenses of the policyholders along with the maternity expenses, organ donor expenses, room rents, ambulance costs, etc. The assured sum of amount under this plan ranges from Rs. 10 Lakhs to Rs. 30 Lakhs. It is available for both individuals and family, based on the choice of the policyholder.


There are several individual health insurance plans that are available in the market. People can choose a plan which is suitable for them based on their needs and requirements. You must read the documents carefully before investing in a particular health insurance cover.

Also Read: Best Health Insurance Plans To Buy In 2021

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.

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