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Top Individual Health Insurance Plans To Buy In 2021

Updated On Aug 25, 2021

Health insurance plans are vital to aid your finances at the time of a medical emergency. These plans also ensure you quality treatment at the hospitals without worrying about the money. Health insurance plans can be bought for an individual, family, senior citizens, women, etc. These different types of plans serve the same purpose of insuring the customer against medical expenses but they differ in their features and extensiveness. Some of the common benefits that can be availed on a health insurance cover are hospitalization costs, room rents, ambulance charges, medication costs, etc.

An individual health insurance plan insures a single individual against the high medical expenses incurred at the time of hospitalization in case of an emergency. It insures only a single individual and comes with a comprehensive cover to provide all the possible benefits to the customer. This health insurance plan is quite commonly bought and is affordable. It is highly beneficial for a person suffering from pre-existing conditions or has a medical history. Any customer that requires a wide coverage for a single person can buy an individual health insurance cover.

Top Individual Health Insurance Plans To Buy In 2021

About Individual Health Insurance Policy

A health insurance policy that insures the health of a single individual and provides coverage to that person, is called an individual health insurance policy. You can buy separate individual health insurance plans for the members in your family, if you want sufficient coverage for all the members separately. Let us look at some of the prominent benefits of having an individual health insurance plan:

  • It comes with a wide and extensive coverage for a single person.
  • The premium of this policy is quite affordable and cost-effective.
  • You can easily customize your plan according to your requirements.
  • Tax deduction benefits are provided to the policyholders, who are also the taxpayers, on their premium payments.
  • No claim bonus is also offered if no claims are made on the policy in a policy year.

Top Individual Health Insurance Plans To Buy In 2021

Following is the list of some commonly bought individual health insurance plans in the insurance market, which are worth your investment:

Must Read: Best Group Health Insurance Plans In India

1. Bajaj Allianz Individual Health Guard Plan

This individual health insurance plan is offered by Bajaj Allianz Health Insurance firm and it can cover the basic medical expenses of a single person. It comes with some extra benefits like maternity cover for the mother and the newborn baby, hospitalization expenses coverage, day care procedures, and organ donor expenses.

2. Star Medi-Classic Health Insurance

This health insurance policy covers the pre and post-hospitalization expenses, in-patient costs, emergency ambulance costs, and a lot more. It is provided by the Star Health and Allied Insurance company. This plan is affordable and comprehensive as it comes packed with a lot of unique benefits for the customers at a cost-effective rate.

3. United India Individual Health Insurance

This policy covers the expenses of 140 day care procedures, pre and post-hospitalization expenses, domiciliary expenses,ambulance costs, etc. This company has a network of around 7000+ hospitals where you can avail cashless claim benefits on your treatment. All the plans come with lifelong renewability of the services to renew the plans with the same set of benefits with no maximum age.

4. Universal Sompo Individual Health Insurance Plan

This health insurance cover provides the basic benefits like pre and post hospitalization costs, domiciliary expenses, ambulance charges, etc. This health insurance company has a network of 4000+ network hospitals which enables the customers to avail cashless treatments. Basic COVID-19 specific health insurance covers are also provided to the policyholders under this plan along with the lifelong renewability of services.


Researching and comparing the health insurance policies is a vital part of choosing a suitable health insurance cover. When buying an individual health insurance policy, do read the policy papers carefully to know the inclusions and exclusions of the policy. Reading the fine print of the policy related documents helps to avoid confusion at the time of claim settlement process.

Also Read: 6 Reasons Why You Should Buy Health Insurance

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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