Individual Health Insurance: COVID-19 Pandemic has returned to life a highly infectious virus, and with it becomes financial and the slowdown in the global economic structure. So that suggests you have to protect yourself from the ongoing Pandemic and keep yourself financially and medically protected. The most helpful thing to do is to guarantee your health for maximum health.
So that, when age, sedentary lifestyle, environmental modifications, accidents, addictions etc., advance your health and store you with medical bills, you can breathe a sigh of relief. Also, it might be an intelligent decision to buy your health insurance at a younger age. It gets you more economical premiums and more extensive coverage.
General Insurance | Health Insurance | Indemnity Insurance
Individual Health Insurance Benefits
- An Individual health insurance policy offers extensive coverage advantages.
- It gives different health insurance add-on benefits.
- You can opt for an individual/family/floater/critical illness/senior citizen/ COVID-19 Health insurance plan.
- Health insurance policies also include pre-post-hospitalization expenses.
- It has given you the option to avail of essential illness covering.
- You can opt for Outpatient surgery benefits, restoration benefits, and Maternity benefits.
- There are various health plans to meet your different requirements.
Individual Health Insurance Policy Covered & Not-covered
| Covered | Not-covered |
| In-Patient Hospitalization | Operations |
| Medical Payments | Mental health |
| Pre and Post Hospitalization Expenses | Self-inflicted damages |
| Day Care Procedures | Crime of law/criminal activity |
| Cashless Facility | Biological/Chemical/Radioactive/Nuclear fallout |
| Lifetime Renewability | War or any act of war, attack, an act of a foreign enemy, warlike |
| Minor children covered up to 25 years of age | Participation in military operations |
| Domiciliary Hospitalization | Support in extreme sports |
| Road Ambulance/Emergency Ambulance | Being Abuse/Alcohol/Narcotics |
| Way Donor Expenses | Treatment of Obesity |
| Alternative Treatment – AYUSH | Cosmetic Surgery |
| Pre-existing health post waiting time | Dental Treatment |
HDFCergo | CoverFox | BankBazaar
Who should buy this plan?
- The policy is best provided for individuals with higher health risks.
- The Single individuals with family members who are already protected.
- An individual who wants to earn the advantage of the sum assured rather than the floating sum assured.
- Individuals who want to renew the policy without having to worry about any age limitations.
- An individual who wants higher protection than what is offered below a family floater plan.
- A cashless facility for claim compensation can be availed in this plan.
Best of Luck…!!!