Individual Health Insurance

An Individual Health Insurance is a health insurance policy that provides cover to a single person i.e. the policyholder. The plan takes care of the individual’s health and medical treatment in case of an accident or sudden illness.

Why Should I Buy an Individual Health Insurance?

An Individual Health Insurance Plan can help you manage your finances during an unexpected medical emergency. 

Whether you are a person with high health risks, an individual with other family members already insured or a person yet to start a family, an Individual Health Insurance Plan is always an ideal choice to insure your health. 

Benefits Of Individual Health Insurance

  1. Wide and complete coverage 
  2. More affordable premium due to low risk
  3. Freedom to customize the plan
  4. Tax benefits under section 80D of the Income Tax Act
  5. Availability of no claim bonus as a reward for not making any claim.

How Many Members Can Be Covered Under an Individual Health Insurance?

As the name suggests, an individual health insurance plan allows insurance coverage only for one person. 

How To Buy the Best Individual Health Insurance?

With many health insurance companies offering Individual Health Insurance Plans, it can become difficult for you to choose the plan which suits your requirements in the best possible manner.

Refer to the below-mentioned list of key factors which you must consider while purchasing an Individual Health Insurance plan: 

  1. Tenure of the policy
  2. Age restrictions on renewal option, if any
  3. Sum insured range 
  4. Pre-hospitalisation & post-hospitalization expenses coverage
  5. Waiting period for pre-existing diseases
  6. The network of insurer partner hospitals offering cashless claim facility
  7. Plan coverage
  8. Additional benefits like daily hospital cash benefit, sum insured reinstatement, organ donor expenses, convalescence benefit and others
  9. Exclusions under the policy 
  10. Premium amount

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Health Companies User Reviews

What users are saying
  • Super

    Very fast claim settlement.

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    By Aakash Sharma
    On: September 26, 2020
  • Service part is best

    Best service and best plans with a reasonable premium. I liked it a lot. 

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    Aditya Birla
    By Ankit
    On: September 12, 2020
  • Best health insurance

    Reliable & Trustworthy! Iffco Tokio is reliable and trustworthy. I have taken its Individual Health Protec...

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    IFFCO Tokio
    On: August 31, 2020
  • Good

    Very good policy.

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    ICICI Lombard
    By Ashvajit Bhupal Patil
    On: August 26, 2020
  • Good

    Very good services. 

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    ICICI Lombard
    By Ramya
    On: August 25, 2020
  • Great service

    Quick processing. Great response. Immediate disbursement of claim.

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    Royal Sundaram
    By Ravindra
    On: August 15, 2020
  • Claim settlement

    Excellent service

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    HDFC ERGO General
    By Girish Patel
    On: August 10, 2020
  • Suraksha

    Good health insurance policy.

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    By Umesh Mahale
    On: August 05, 2020
  • Prasad

    Excellent policy.

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    By Konalaprasad
    On: August 02, 2020
  • Good Policy

    Bills all claimed properly from Manipal.

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    By Venkateswara Reddy
    On: July 30, 2020

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