Health Insurance For Self-Employed

A health insurance plan for self-employed individuals safeguards their hard-earned savings by providing them with a cover for medical costs at the time of illness and medical emergencies.

Benefits of Health Insurance For Self-Employed Individuals

As a self-employed individual, you can purchase an individual health insurance plan for yourself. Alternatively, you can buy a family floater health insurance plan and cover yourself as well as your family members for unforeseen medical expenditures.

For self-employed individuals, a day off from work due to ill health or a medical emergency can result in loss of business, thereby increasing chances of financial stress. For peace of mind and financial stability in such times, as a self-employed individual, you must have a health insurance plan. The health insurance policy will help you get required medical treatment and meet financial requirements in times of need.

Following Are The Major Benefits Of A Health Insurance Plan For Self-employed Individuals: 

  1. Cover for in-patient hospitalization along with pre-hospitalization and post-hospitalization expenditure
  2. Insurance cover for family members, if you opt for family floater plan
  3. Peace of mind in turbulent times
  4. Timely and required medical treatment
  5. Financial stability in times of emergencies
  6. Tax benefits under Section 80D of the Income Tax Act, 1961.

How Many Members Can Be Covered Under Health Insurance Plan For Self-Employed Individuals?

Self-employed individuals can buy a health insurance plan on an individual basis or a family floater basis. Under the individual health insurance plan, a self-employed individual will get insurance cover only for self, however, under a family floater plan, they can include their family members also insured under the same plan.

How To Buy The Best Health Insurance For Self-Employed Individuals? 

There is a wide array of insurance companies offering health insurance plans for self-employed individuals. However, choosing the one plan which best suits your requirements is often a tedious task. Thus, we bring to you the following list of parameters which you must consider while buying a health insurance plan:

1. Type of Plan

Choose the type of policy, i.e. individual or family floater depending on the number of members you want to cover. 

2. Coverage

Do check the sum insured options available under the plan along with the type of coverages mentioned.

3. Renewal Requirement

Some insurance plans come with a restriction on the age of the policyholder at the time of policy renewal while others impose no such restrictions. Thus, checking for this is imperative.

4. Availability of Add-ons

You can add additional covers to your standard health insurance plans to extend the plan coverage. Thus, it is important to check which all add-on covers are offered by the insurer with the plan.

5. Premium Amount

You can compare the premium of different health insurance plans at our website InsuranceDekho and choose the plan which best suits your requirements and budget.

6. Claim Settlement Ratio

Claim settlement ratio refers to the number of claims settled by an insurance company out of the total claims received by it during a financial year.

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