Features You Must Know About Health Insurance For Individuals

Nobody can cadge the free birds; they like to fly high in the sky. If you are also among those free souls who have no financial or family responsibilities, health insurance for individuals is the best fit. It is the one wise investment you can make at a young age or if you just started earning. With it, you can stay protected during a medical emergency and save more for your future.

So, here are some essential features that you must know about individual health insurance:

Cost-Effective: The premium you pay for a health policy for individuals is lower comparatively. It gives you cost-effective benefits with comprehensive coverage.

No Maximum Age Limit: There is no maximum age to buy health insurance for individuals. However, it’s good to get insured at an early age to reap its benefits later in life.

No Pre Policy Medical Check-Up: You can get this policy without a pre-policy medical checkup. 

Cashless Hospitalization: One of the seamless features of this policy is cashless hospitalization. You do not need to arrange cash to start the treatment during a medical emergency. Your health insurance company directly settles your hospital bills.

Comprehensive Coverage:  It offers comprehensive coverage, including in-patient hospitalization, pre and post hospitalization, ICU charges, ambulance cover, and lots more. 

COVID-19 Cover- Leading brands like Care Health Insurance offer COVID-19 cover under health insurance for individuals. It includes treatment and quarantine expenses. Check their plans for more details.

Domiciliary Hospitalization: It is so great that you can avail of treatment at home if recommended by the doctor. Individual health insurance covers the expenses so that you can recover in the comfort of your home. 

AYUSH Benefits: If you are a fan of Ayurveda, you will be glad to know that health policy for individuals also covers AYUSH (Ayurveda, Unani, Siddha, and Homeopathy). It helps you with sustainable treatment.

Daycare Procedures: Thanks to medical advancement! Gone are the days when you need to be hospitalized for small procedures. Now you can go for daycare procedures worry-free; the policy covers them too.

Lifelong Renewability: Individual health insurance comes with lifelong renewability. So you can relax and get the coverage lifelong on break free renewals.

Tax Benefit: Under Section 80D of the Income Tax Act, the premium paid for health insurance for individuals get tax exemption. So, you can save more for a better tomorrow. 

Additional Benefits: Do you know you will get some extra benefits under the health policy for individuals that enhance its coverage. No claim bonus, international second opinion, co-payment waiver, and reduction in a waiting period are a few of them. 

Top Listed Health Insurance Companies in India offer Health Insurance for Individuals

These are the leading health insurance brands in India; you can check their plans:

Health Insurance CompanyNetwork HospitalsClaim Settlement Ratio
IFFCO Tokio4000+92.66%
Care Health Insurance8350+95.22%
HDFC Ergo10000+90.32%
Max Bupa Health Insurance4500+83.92%
Star Health8800+78. 15%

Over to You

The choice of the policy depends on several factors. Health insurance for individuals is right for the people who are single and have no big responsibilities. But, if you have a loving family opt for a family floater.  So, whether individual or family opting for health insurance is a must.

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