Individual Medicliam Policy

This Plan is very much common & Lasted for years from beginning of health insurance existence.

• In an individual health insurance plan, the insured alone earns all the complete benefits under the plan.
• The individual will have the benefit of an individual sum assured rather than floating sum assured across all the members of his/her family. Hence there is no risk of another family member becoming ill and using up part or the full available sum insured, as is the case in a Family Floater plan.
• Best suited for every individual, irrespective of their social or economic strata, but definitely for persons with higher health risks given their family history, pre-existing medical conditions and lifestyle.
• There is no need to worry about making multiple claims in a year since the plan caters only to a single person. Also if the individual avails the Restore Benefit, then the full Sum Insured will be available for each claim.

Key Features of Individual Health Insurance

• This plan offers coverage only for the insured individual, the policy holder.
• The insured individual is insured upto the specified sum insured limits defined in the policy for the benefits listed under the plan.
• The individual remits the premium applicable for the chosen plan of the insurance provider basis which the coverage is extended to him/her.
• The policy covers hospitalization expenses (following an accident or sickness) including Pre & Post hospitalisation incurred as an inpatient during the period of the policy.
• The policy covers hospitalization expenses (following an accident or sickness) including Pre & Post hospitalisation incurred as an inpatient during the period of the policy.
• Once the individual is enrolled under a chosen plan, he/she will be eligible for renewal of the policy for their lifetime subject to paying renewal premium on time.
• The individual can enjoy cashless treatment at any of the network hospitals of the insurance company across India.
• The agenda behind taking the individual policy is he / she can avail entire sum insured which is specified under the policy.
• This policy can be offered to any individual whose age is more than 18 years as a proposer