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Types of Health Insurance

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    Understanding Different Types of Medical Insurance in India

    Suhas was discussing with his father about his friend, whose mother was recently diagnosed with kidney failure. His father asked whether his friend has health insurance. Suhas told him that he has individual health insurance only. Under which he could not claim for his mother's treatment. After hearing this, his father told him about the importance of having the right insurance plan. He also suggested him to get information on various health insurance plans and pick the right one accordingly, as medical emergencies can strike anytime. If you are also a newbie in the insurance sector like Suhas, read this article to get the gist about different health insurance plans available in India.

    Types of Health Insurance Policy

    At Care, we offer several types of customized health insurance plans based on our customers' healthcare needs. So, some of the top picks are:

    • Individual Health Insurance
    • Family Floater Health Insurance
    • Corona Kavach Policy
    • Critical Illness Insurance
    • Maternity Insurance
    • Top-Up Insurance
    • Health Insurance for Senior Citizens
    • Mediclaim Insurance

    Individual Health Insurance

    As the name suggests, it is for individuals, especially senior citizens or people with a medical condition, which gives copious healthcare security. If you are an individual looking for a health insurance policy for yourself, you can opt for it. This policy covers your hospitalization expenses up to the sum insured against the premium that you pay. It also covers various other costs, including pre and post-hospitalization expenses. You can buy it for your family members separately.

    Family Floater Health Insurance

    Under family floater, you can cover a maximum of 6 family members in one policy against a single sum insured. This policy is to safeguard the health of your entire family. You can add multiple nominees in this plan. The amount of premium in family floater plans is comparatively lower than individual health insurance plans. It covers the medical expenses for hospitalization and treatment during an emergency or planned admission. It acts as an umbrella of protection for your loving family.

    Corona Kavach Policy

    Coronavirus a bitter reality, but if you are worried about its treatment expenses, then Corona Kavach Policy is the right choice. It covers hospitalization and medication expenses for COVID-19 treatment, and you can get a maximum of up to 5 lac sum insured based on your healthcare needs. It even covers AYUSH treatment as well that helps you with a speedy recovery. Refer to T&C for more details.

    Critical Illness Insurance

    These days the incidences of life-threatening diseases are increasing in India alarmingly. Critical illnesses such as cancer, stroke, heart ailments, primary pulmonary arterial hypertension, sclerosis, and organ failure can knock on anyone's door as uninvited guests. Skyrocketing treatment costs can derail finances. Critical illness insurance covers the treatment of all these diseases. It mitigates your hospitalization expenses along with medication up to the sum insured. It is an affordable indemnity based product that comes with lifelong renewability.

    Maternity Insurance

    Motherhood is the most crucial phase in a woman's life. Bringing new life to this world is a big responsibility for you. Although the journey is not at all smooth, sound medical insurance can give you peace of mind. If you are on the way to start a family, you should opt for maternity insurance in advance. It covers your pregnancy-related expenses related to normal delivery, cesarean, pre and postnatal, post-delivery care, and vaccination. Maternity insurance ensures you the best medical facilities for the mother and her newborn.

    Top-Up and Super Top-UP Insurance

    Top-up and super-top up insurance plans serve you as a backup plan. They act like a Stepney to your existing health cover once you exhaust the sum insured limit. Therefore, they cover the cost after you reached a certain threshold of expenses. The top-up plan covers your expenditure that arises out of a single hospitalization. Simultaneously, the super-top up plan considers the cumulative hospital expenses and covers multiple claims in a policy year. The plans offer affordable additional coverage that helps you cope with extra expenditure due to unforeseen medical emergencies.

    Health Insurance for Senior Citizens

    This type of health insurance is specially designed for people who have crossed 60 years of age and are called senior citizens. It offers financial assistance to the senior citizens who are living retired lives and have no fixed income. They can also avail of cashless hospitalization, domiciliary hospitalization, daycare treatment, AYUSH treatment, coronavirus treatment coverage, etc., under a senior citizen health insurance plan. It is the best way to give your old parents a healthy and peaceful life after retirement.

    Mediclaim Insurance

    It provides extensive coverage during medical emergencies. You can opt for separate mediclaim to cover your family members as well. We settle the medical expenses directly to the hospital, or you can file for reimbursement. From pre and post hospitalization expenses to medication, chemotherapies, and radiotherapies, we cover most of them under mediclaim policy. You have to submit all the required documents to the claim management team and get a hassle-free and timely claim settlement.


    Health facilities are getting better, but the cost of healthcare is rising rapidly. Thus, it's vital to protect yourself and your loved ones from financial distress during medical emergencies. But, the plethora of health insurance plans can confuse you. That is why it's wise to know about the various types of health insurance plans and opt for the one that suits your healthcare needs. We offer all the above health insurance plans with COVID-19 treatment coverage (subject to policy terms and conditions). Check our wide range of comprehensive medical insurance policies that give you maximum coverage and healthy life.

    Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

    ^^Number of Cashless Healthcare Providers till 25th March 2022.

    #Source: IBAI Claims Handbook for FY 19-20

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