Coverfox.com
  • Insurance
    • Car
      • Car Insurance
      • Companies
      • Third party car insurance
      • Comprehensive car insurance
      • Car insurance calculator
      • New car insurance
      • Zero Dep Car Insurance
      • Buy Car Insurance
      • Compare Car Insurance
      • Car Insurance Articles
      • Cashless Garages
    • Bike
      • Two Wheeler Insurance
      • Two Wheeler Insurance Companies
      • Two Wheeler Insurance Claim
      • Two Wheeler premium Calculator
      • Third party Bike insurance
      • Multiyear Bike Insurance
      • Bike Insurance Articles
    • Health
      • Health Insurance
      • Companies
      • Mediclaim Policy
      • Individual Health Insurance plans
      • Critical illness insurance
      • Senior citizen health insurance
      • Arogya sanjeevani policy
      • Coronavirus Health insurance
      • Health Insurance Articles
      • Network Hospitals
    • Term
      • Term Insurance
      • Companies
      • Life insurance
      • Life Insurance calculator
      • Term Insurance calculator
      • Life Insurance Plans
      • 1 crore term insurance
      • Compare Term Insurance
      • Buy Term Insurance
      • Term Insurance Renewals
      • Term Insurance Articles
      • Life Insurance Articles
    • Investment
      • Investment Plans
      • Companies
      • Buy Investment Plans
      • Child Plans
      • Pension Plans
      • ULIP
      • Endowment Policy
      • Tax saving investment
      • Buy ULIP
      • Best ULIP
  • About Coverfox
    • About us
    • Insurance Blog
  • Claims
  • Contact us
  • Login
  • Individual Health Insurance
  • What is Covered?
  • What is Not Covered?
  • Top Insurers in India
  • List of Individual Health Insurance Plans
  • Factors to Consider when Buying
  • Individual VS Family Floater
  • Documents Required
  • Frequently Asked Questions
Get Lowest Rates for Individual Health Insurance

Mediclaim Plans starting @ Rs 250 / month

+91
Please enter a valid 10 digit mobile number
Thank you for scheduling a call with us! One of our Health Insurance experts will call you shortly.
I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.
50+ Lakhs Happy Customers
50+ Lakhs
Happy
Customers
Save Upto ₹75k Under 80D
Save Upto ₹75k
Under
80D*
4.4/5 stars Customer Rating
4.4/5 ⭐
Customer
Rating
icon Health Insurance icon Individual Health Insurance

英雄联盟app下载平台

It was the debilitating impact of COVID-19 when the virus tore through India, we learnt how the unprepared and under-insured could be severely hit in the face of a major health crisis. An Individual health insurance plan is utterly vital as it offers coverage for several healthcare expenses to an individual, as per the sum insured chosen and premium paid. Tax benefits under Section 80D of the Income Tax Act, 1961 can also be availed.

Individual Health Insurance

What is Covered under an Individual Health Insurance Policy?

Medical Expenses
In-Patient Hospitalization
Pre and Post Hospitalization Expenses
Day Care Procedures
Cashless Facility
Lifelong Renewability
Alternative Treatment - AYUSH
Domiciliary Hospitalization
Road Ambulance/Emergency Ambulance
Organ Donor Expenses
Dependent children covered up to 25 years of age
Pre-existing conditions post waiting period
View More +

What is Not Covered under an Individual Health Insurance Policy?

Act of war or invasion
Act of terrorism or warlike operations
Substance Abuse/Alcohol/Narcotics
Self-inflicted injuries
Mental conditions
Breach of law/criminal activity
Participation in military operations
Participation in extreme sports
Biological/Chemical/Radioactive/Nuclear fallout
Treatment of Obesity
Cosmetic Surgery
Dental Treatment
STDs/HIV/AIDS
Infertility
View More +

Top Health Insurance Companies in India

Tab 1
Tab 2
Carousel plan image
tag
Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs
img img img img

List of Individual Health Insurance Plans

ICICI Lombard Personal Protect Insurance

This plan provides monetary assistance to the policyholder in case of an accidental emergency/death/

Bajaj Allianz Personal Guard Plan

This is a comprehensive plan designed to provide cover against unforeseen accidental consequences

Oriental Individual Mediclaim Policy

This is a mediclaim insurance plan which provides cover related to medical expenses arising out of Hospitalisation/Domiciliary Hospitalisation.

Star Medi Classic Individual Insurance Policy

This plan provides reimbursement of hospitalisation expenses incurred as a result of illness/disease/sickness and/or accidental injuries.

Health Insurance Plans in 2022

Corona Kavach Policy
Corona Kavach Policy
Corona Rakshak Policy
Corona Rakshak Policy
Arogya Sanjeevani Policy
Arogya Sanjeevani Policy
Family Floater Insurance
Family Floater Insurance
Group Health Insurance
Group Health Insurance
Critical Illness Insurance
Critical Illness Insurance
Personal Accident Insurance
Personal Accident Insurance
Maternity Health Insurance
Maternity Health Insurance
Health Insurance for Senior Citizens
Health Insurance for Senior Citizens
Women Health Insurance
Women Health Insurance
Cancer Insurance
Cancer Insurance
Cashless Health Insurance
Cashless Health Insurance

Benefits Of Having An Individual Health Insurance Plan

Cost Effectiveness
Cost Effectiveness
It pays for your expensive hospital treatment without touching your financial savings
Cashless Card
Cashless Card
This card helps in getting you hospitalization treatment without paying any cash
Peace of Mind
Peace of Mind
You won't be stressed due to financial burden during health crisis situation
Individual & Family Cover
Individual & Family Cover
It covers your family too during any medical emergencies
Pre & Post Hospitalization Expenses
Hospitalization Expenses
All your expenses for upto 60 days before admission & upto 90 days post discharge are covered
Tax Benefits
Tax Benefits
You can avail Tax benefits under section 80D on your policy premium paid every year

Factors to Consider When Buying Individual Health Insurance Plan

Sum Insured
Sum Insured
One should go for a sufficient sum insured amount, else one may have to face financial consequences or pay from own pocket at the time of claim settlement.
Inclusions And Exclusions
Inclusions And Exclusions
Look for the inclusions and exclusions thoroughly. The policy buyer must be aware of what the policy is offering to avoid any discrepancy at the time of claim.
Network Hospitals
Network Hospitals
One should check for the wide network of hospitals in the country where the insured can avail of cashless treatment.
Additional Benefits
Additional Benefits
The additional benefits like daily hospital cash benefit, sum insured reinstatement, organ donor expenses, convalescence benefit, etc. should be checked.
Premium Amount
Premium Amount
It is recommended to choose a health insurance plan that comes at an affordable premium, yet offers sufficient benefits.
Renewability Time
Renewability Time
Always Choose a mediclaim policy with lifetime renewability option

Top Health Insurance Companies in September 2022

HDFC ERGO
HDFC ERGO Health Insurance
Reliance
Reliance Health Insurance
Oriental
Oriental Health Insurance
Bharti AXA
Bharti AXA Health Insurance
Royal Sundaram
Royal Sundaram Health Insurance
National
National Health Insurance
SBI
SBI Health Insurance
Liberty General
Liberty Health Insurance
Universal Sompo
Universal Health Insurance
ICICI Lombard
ICICI Lombard Health Insurance
United India
United India Health Insurance
Bajaj Allianz
Bajaj Allianz Health Insurance
IFFCO TOKIO
IFFCO TOKIO Health Insurance
LIC
LIC Health Insurance
Care
Care Health Insurance
Raheja
Raheja QBE Health Insurance
Niva Bupa
Niva Bupa Health Insurance
New India Insurance
New India Health Insurance
TATA AIG Insurance
TATA AIG Health Insurance
Aditya Birla
Aditya Birla Health Insurance
Star
Star Health Insurance
ManipalCigna
ManipalCigna Health Insurance

Let’s Compare Individual Health Insurance & Family Floater Insurance Plan

Individual Health Insurance Family Floater Insurance
It is for an Individual ONLY This insurance plan is for the entire family
Insured can claim upto to the basic sum insured Sum insured is divided amongst the members
More Expensive Less Expensive

As a first time buyer, one of the key challenges is to decide between the individual plans for the family or opt for a family floater insurance policy. As both options carry their own pros and cons, it’s best to evaluate your individual needs, age bracket, family income, medical history to arrive at an informed decision. With the availability of online portals like Coverfox.com, you can compare different plans and combinations to choose the cream of the crop.

Know More About Health Insurance Plans

Health Insurance
Health Insurance
Health Insurance Claims
Health Insurance Claims
Cashless Network Hospitals
Cashless Network Hospitals
Health Insurance Articles
Health Insurance Articles
Health Insurance Income Tax
Health Insurance Income Tax
Health Insurance FAQ's
Health Insurance FAQ's
मेडिक्लेम पॉलिसी
मेडिक्लेम पॉलिसी
स्वास्थ्य बीमा
स्वास्थ्य बीमा

Documents Required for Purchasing an Individual Health Insurance Policy

  • KYC-Proof of ID & Address-Aadhar Card, PAN Card, Driving License, Passport, Voter’s ID
  • Proof of Income-Salary Slip, Employer’s Certificate, Form 16, etc
  • Age Proof- Birth certificate, PAN Card, Voter;s ID, Driving License, Passport
  • Medical Check-Up- If asked by the Insurance Company
  • Report if Required
  • 2 Passport size photographs

The Finale Word

Whether you opt for individual policies for your family or insure them under family floater plan, as mentioned prior, it’s best to assess your requirements coupled with your financial health to take a perfect decision. While an individual plan could make sense for a young family, a family floater will be the right choice for someone with older kids. In addition to this, room rent sub limits, cashless hospitalization tie ups, pre-post hospitalization cover and other benefits on offer should also form crucial part of your deciding components.

Compare, Buy and Renew Health Insurance Plans Online

Talk to an expert
We are always excited to help!
Our Insurance Expert is
Online Right now.
+91
Please enter a valid mobile number
Please enter a valid mobile number
Thankyou for sharing your details

Redirecting in 3 seconds
View all quotes on our website →
I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.
×

Get Lowest Rates for Health Insurance

Buy Individual Health Insurance Plans

FAQs on Individual Health Insurance

  • Q. Why do I need an individual health insurance plan?
    • Nobody can accurately predict what you will end up spending after you enter a hospital. A regular doctor visit may follow a series of unexpected tests, a surgery with standard line of treatment may meet with complications shooting up the final cost. An Individual Health Insurance will protect you against all such financial burdens in times of medical emergencies.

  • Q. When should I purchase an individual health insurance plan?
    • It is recommended to buy an individual insurance policy as soon as possible. Even if you are covered under a corporate health insurance policy, still, you must opt for an individual policy for extensive coverage. This insurance policy can be purchased by anyone even if they have a pre-existing disease.

  • Q. Is an individual health insurance plan expensive?
    • When in confusion, always compare the Individual Health Insurance Plans to make an informed decision.

  • Q. Which is better: a Family Floater or an individual health insurance plan?
    • Both have their own pros & cons, it’s best to evaluate your individual needs, age bracket, family income, medical history to arrive at an informed decision.

  • Q. What is the waiting period for an individual health insurance plan?
    • Individual health insurance plans generally come with an initial waiting period of at least 30 days. However, the waiting periods for pre-existing diseases range between 1 year and 4 years, and for that of specific diseases range between one-two years

  • Q. What are the eligibility criteria for individual health insurance?
    • Generally, the eligibility criteria for individual plans is 18 years to 60 years. However, the eligibility criteria vary from plan to plan.

  • Q. I Am Already Covered by Employer's Insurance, Should I Still Opt for Individual Cover?
    • With the medical costs soaring the sky, a decent health insurance cover is what we need today. As group medical insurance policies come with a stern limit on coverage amount, supplementing it with an individual policy cover would be an ideal situation to ensure a sizable sum insured in case of any major hospitalization.

  • Q. I Have Just Undergone Hysterectomy. Can I Still Opt for an Individual Policy?
    • Yes, you certainly can. However, as most health insurance policies are armed with waiting period to cover any pre-existing diseases, any expenses/hospitalization triggered by your medical history will not be covered during this period.

  • Q. Can I Include My Parents and In-Laws on Individual Health Policies?
    • Well, technically yes, you can. However, depending on their age, there are other options especially tailor made for them. If they are beyond the age of 60 years, customized plans for senior citizens can be considered .

  • Q. Can I buy individual health insurance plan online? If yes, please explain how?
    • Yes, you can purchase your preferred individual health insurance plan online by following these simple steps:

      • Research thoroughly regarding the features and benefits offered by individual health insurance plans from across insurance companies
      • Browse through the list of network hospitals to check whether it includes some of the hospitals that are in your vicinity or those that you visit
      • Compare the premium quotes
      • Decide whether you prefer low premium and comparatively lower coverage, or higher premiums and higher coverage
      • Purchase the individual health insurance plan of your choice from the official website of the insurer or from a third party broker website that offers the policy
  • Q. How much does individual health insurance cost? Explain zone wise pricing with an example?
    • Apart from varying in terms of insurance companies and coverage offered, premium rates for individual health insurance also varies on the basis of zones or the location an individual belongs to. There are three zones – Zone 1, Zone 2 and Zone 3, with premiums for each zone being 10% lower than the previous zone. For instance, if the premium for a certain individual health insurance plan is Rs. 5,000 for a resident of Zone 1, the premium for the same plan for a resident of Zone 2 will be Rs. 4,500. Similarly, for someone from Zone 3, the premium eligibility will be Rs. 4,050.

  • Q. How do I apply for individual health insurance online and offline?
    • For purchasing an individual health insurance plan online, you can follow the below steps:

      • Research thoroughly regarding the features and benefits offered by individual health insurance plans from across insurance companies
      • Browse through the list of network hospitals to check whether it includes some of the hospitals that are in your vicinity or those that you visit
      • Compare the premium quotes
      • Decide whether you prefer low premium and comparatively lower coverage, or higher premiums and higher coverage
      • Purchase the individual health insurance plan of your choice from the official website of the insurer or from a third party website that offers the policy If you prefer the offline process, you can visit the branches of various insurance companies to assist you with the features, benefits and premiums on their individual health insurance. You can compare between them and then take a conscious decision.
Show more
Get Lowest Rates for Individual Health Insurance

Mediclaim Plans starting @ Rs 250 / month

+91
Please enter a valid 10 digit mobile number
Thank you for scheduling a call with us! One of our Health Insurance experts will call you shortly.
I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.
Customer Reviews
Average Customer Rating:
Individual Health Insurance Plan Online at Best Price
5 / 5 ( 2 reviews )
Write a review
Close
icon Health Insurance icon Individual Health Insurance
×

Get Lowest Rates for health Insurance

With Upto 60% Discount

  • Secure
  • Licensed By
  • Payment Options
  • Car Insurance
  • Bike Insurance
  • Motor Insurance
  • Commercial Vehicle Insurance
  • Travel Insurance
  • Car Insurance Premium Calculator
  • Family Health Insurance
  • Senior Citizens Insurance
  • Group Insurance
  • Corona Rakshak Policy
  • Corona Kavach Policy
  • Super Topup Plan
  • Term Insurance
  • ULIP
  • e-Term Plan
  • 1 Cr Term Insurance
  • कार इन्शुरन्स
  • टू व्हीलर इंश्योरेंस
  • टर्म इंश्योरेंस
  • हेल्थ इंश्योरेंस
  • मेडिक्लेम पॉलिसी
  • Learn About Insurance
  • Network Hospitals
  • Cashless Garages
  • Get Android App
  • Get iOS App
  • Learn
  • About Us
  • Contact Us
  • Careers
  • Sitemap
  • FAQs
Connect with us
Become a Partner
Become a Coverdrive POS Agent

Coverfox Insurance Broking Pvt. Ltd. : C Wing, 6111-6118, 6th Floor, Oberoi Garden Estate, Chandivali Farm Road, Chandivali, Andheri (East), Mumbai - 400072

Licence No. 478 , IRDA Direct Broker Code: IRDA/ DB 556/ 13 , Valid till: 26/12/2022 , CIN: U66000MH2013PTC243810

  • Shipping & Delivery Policy
  • Privacy Policy
  • Cancellation & Refund
  • Terms & Conditions
Copyright © 2022 Coverfox.com. All Rights Reserved
亿电竞(西安)比分新版v9.9 JJB电竞外围 电竞竞猜直播新版 dota2 28加拿大位置走势APP查询网 大神电竞手机版网站