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Individual health insurance is a medical cover providing healthcare and financial security to a single person against medical emergencies. The policy includes an affordable premium while offering lifelong renewability.
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As the name suggests, an individual or personal health insurance plan is a type of medical insurance offering coverage, benefits, and security against medical emergencies to a single policyholder. An individual insurance policy acts as a personal safeguard against any expenses arising due to emergency hospitalisation, accidents, or other ailments. As an individual, you can customise the benefits of an individual mediclaim policy while enjoying a pocket-friendly premium.
A lower premium, extensive coverage, and several benefits together make an individual health insurance policy a popular pick among youngsters or individuals. With a highly flexible coverage, people of all ages – from young to middle age and elders – can opt for an individual policy to meet their specific medical care needs. Based on the selected plan, individual policy coverage can be extended to the individual's family. In case your family members have different medical needs, you can check our other health insurance plans to offer them tailor-made healthcare security. Find out why you should consider individual health cover over other options.
While the policy is suitable for people from all walks of life, individuals under the following circumstances should certainly consider buying an individual health policy:
People at a Higher Health Risk
People who are susceptible to increased health risks owing to an unhealthy lifestyle and stressful occupations
Elderly parents and family members with specific medical conditions, like diabetes, hypertension, etc.
If you are uninsured while your family is already insured under a policy, you should get a personal health cover.
People Needing Separate Coverage
Individuals who need a separate sum insured and benefits instead of a shared policy under family floater.
Individuals suspecting Critical Illnesses
If you have a family history of serious diseases like cancer, etc., you should opt for a policy covering similar conditions individually.
Buying a personal health insurance plan comes with a lot of advantages for every kind of individual, especially if you are opting for this policy at an early age. Here’s how you can make the most of it:
|An Essential Choice for Working Professionals||Lower Health Insurance Premium|
Working professionals need utmost security against the rising medical costs and lifestyle diseases while saving for the future. An individual policy is the best pick to protect one’s needs. Also, the employer-provided group mediclaim stops providing coverage when one exits the organisation, whereas a separate health plan can give lifelong coverage.
The earlier you opt for an individual health plan, the better. Not only will you enjoy a lower premium but also, you will accumulate a significant no-claim bonus, given you stay healthy for a long time. Even if you opt for a personal health cover in old age, you can waive off the co-payment by opting for optional waiver benefits.
|Suitable for the Elderly||Comprehensive Coverage and Flexibility to Customize|
Including elderly family members in a family floater plan may not be a good idea as it can increase the premium. So, get a separate individual health cover for your elders that meets their different medical needs. With benefits like alternative treatment and annual health check-ups, it becomes easy for senior citizens to manage their health better.
Whether young or old, the biggest advantage of buying personal health insurance is that you can customise the plan as per your health status and needs. For instance, diabetics can buy a mediclaim with pre-existing diseases while people with a family history of heart or cancer diseases can opt for a critical illness cover.
|Safeguard against Rising Health Issues||Pre-existing Diseases and other Ailments Covered|
Long hours of work and inactivity is causing many households to struggle with lifestyle diseases like diabetes, hypertension, etc. The pandemic has further increased health risks for everyone. A personal cover protects you from all kinds of health risks, no matter your age and health status.
As a policyholder, you may have a specific health condition or prolonged ailment. Under an individual plan, you can get customised coverage for your pre-existing diseases. Also, you can get a separate cover for other ailments like heart diseases, organ transplants, cancer, etc.
|Better Tax Savings||Ability to Avail Bigger Discounts|
Opting for a personal cover gives you an added opportunity to save tax on an individual basis. One is eligible to get a maximum deduction of up to Rs 25,000 every year, u/s 80D, on the insurance premium paid. Senior citizens can get a higher deduction of up to Rs 50,000. One can get total deductions of up to Rs 1 lakh if the proposer and insured are above 60 years.
With a separate cover, you can avail of special discounts on the policy premium paid as per the terms. Especially if you are a young individual, you can avail of early bird discounts up to 10% with Care Plus- Youth Health Cover – offered by Care Health Insurance. Also, as a senior citizen, you can buy a multi-year policy to avail of exclusive discounts on the premium amount. This way, individual covers for every member adds to the discount percentage.
*Please read the policy T&C, brochure, and prospectus to know more about our health and Mediclaim policies, as they may vary.
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Here are some prominent features of our personal health policies:
At Care Insurance, we offer comprehensive and customised policy for individuals under affordable premium rates with the following coverage benefits:
Keep yourself safe against the COVID-19 risk with the coverage for standard coronavirus treatment expenses, including hospitalisation and medications.
No Claim Bonus
We reward you for staying healthy and raising no claims by increasing your sum insured under individual coverage by at least 10% of SI every policy year.
Pre and Post-Hospitalization Cover
We secure your hospitalisation to recovery journey with 30-day pre and 60-days post-hospitalization expenses covered under every individual plan.
Modern Day Care Treatment
Thanks to advanced medical technology, several medical treatments are completed within 24 hours. We cover expenses for such 540+ daycare procedures.
Auto Recharge of Sum Insured
To support you during frequent mediclaim needs, we ensure automatic recharge of your individual plan’s sum insured at least once in a policy year.
Annual Health Check-ups
We help you keep track of your health and take preventive measures with free annual health check-ups for insured members under our individual health covers.
Domiciliary Hospitalization Cover
We have your back when you need extra medical care at home. Our personal covers offer coverage for domiciliary care expenses as per policy terms.
We promise access to quality medical care with complete in-patient coverage, including ICU charges, doctor’s fees, etc., up to the individual plan’s SI.
We shall not reimburse any claim amount for the following standard exclusions under individual plans:
While the entry age of our wide-ranging individual plans may differ among plans, below are the standard eligibility criteria and claim process common across our individual health plans:
|Minimum Entry Age||18 years|
|Maximum Entry Age||No upper age limit|
|Tenure Options||1/2/3 Years|
|Co-payment Clause||While buying or renewing the policy at the age of 61 years & above, customers will have the choice to include or exclude the co-payment feature, implying:
|Claim Options||Cashless and Reimbursement|
Filing a claim under individual health cover is easy and quick. Remember, in case of an emergency hospitalisation, you need to intimate our claims department within 24 hours of hospital admission.If it is a planned hosptialisation, kindly intimate us 48 hours prior to the admission date. Here are the steps to follow under the cashless and reimbursement claiming processes-
|Cashless Claim Process||Reimbursement Claim Process|
|Step 1: Go to a listed in-network hospital.||Step 1: Submit your claim form along with other required documents.|
|Step 2: Fill out the proper forms at the insurance desk.||Step 2: You'll get an approval letter when your claim is verified.|
|Step 3: Send the completed form to our claim management team.||Step 3: Respond to queries raised by the claim management team.|
|Step 4: You'll get an approval letter when your claim is verified.||Step 4: Get approval from the claim management team.|
|Step 5: Respond to queries from the claim management team. You will receive communication about whether your cashless claim is approved or rejected within the standard TAT.||Step 5: Our claims team will contact you if there are specific reasons for rejecting your claim.|
Let us help you understand how an individual plan is different from a family floater cover based on the following factors:
In an effort to help you choose and buy a health policy easily, we have enhanced our digital portals with end-to-end support features and services, including the following facilities:
Secure Payment Modes
We back our digital portals with secure payment options, helping you complete the transaction from anywhere, any time.
Quick Chat Support
Our in-house claims and customer support team resolves all your policy-related queries instantly through our chat service.
Instant Premium Calculation
Our digital premium calculators help you estimate the policy’s cost while comparing premium rates against policies and benefits.
Convenient Policy Selection
You can easily study, evaluate, and compare individual health plans by accessing policy documents through our official website.
Value Added Services
While buying or renewing personal covers online, you can easily modify optional benefits like OPD, etc., to enhance the coverage.
Individual medical insurance gives you a financial cushion during a medical emergency and reduces monetary stress. Thus, it's essential to opt for a personal cover wisely. Consider these below things while buying it:
Getting your personal health plan is the safest way to protect your health and finances as it provides coverage against any possible certain or uncertain risks. Here is a quick guide to buying online insurance for yourself:
Visit our website and select a suitable health policy.
Click on ‘Get Quote’ and provide relevant details.
Enter the required information and customise your policy.
Make payment through any secure digital payment modes.
Once approved, you will get the new health policy documents on your registered email address.
As a general rule, younger and nuclear families should opt for family floater plans. But if you have specific medical conditions and a complex medical history, you should always choose individual plans for every member.
Yes, you can avail up to Rs. 25,000/-as tax benefits under the policy.
Yes, you will get the cashless hospitalisation facility across our 9400+ network hospitals.
Yes, given the rising health risks, it is better to have a separate health cover. That’s because employee health policies will cease to provide coverage if you leave or switch jobs and may prove inadequate to cover your major medical expenses.
Ideally, the selection of the right sum insured for your medical needs will depend on several factors. It is advisable to consider your present age and medical condition, and medical treatment costs when deciding the coverage amount.
If the insured amount is below 15 lakhs or the individual is below 45 years of age, the person is not required to undergo any medical test. However, the underwriter may suggest a pre-policy check-up subject to certain exceptional medical cases and policy terms.
Yes, you can add family members to your existing personal health covers.
You can include your kid under an individual health insurance plan if the age is 5 years or above. If the age is less than 5 years, you can include them in a family floater plan with other family members who are 18 years old or above.
Yes, you can have multiple health insurance plans. If you have opted for more than one indemnity-based plan with other insurers or us, then you can select any of these plans to settle your claims, provided that the claim amount payable is up to the sum insured of such policy.
Disclaimer: Underwriting of claims for Individual health insurance is subject to terms and conditions.
#Claim Settlement Ratio is for FY 19-20
^^Number of Cashless Healthcare Providers till 31st Dec 2022.
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