Individual Health Insurance Plan

Health insurance portability ensures that you do not have to go through a fresh waiting period when you change the insurer. With portability, you can easily change your insurer without losing any benefits.

A pre-existing disease is an injury or illness that you already have while buying the policy. Typically, insurers offer coverage for pre-existing diseases only after the waiting period.

There are many expenses related to hospitalisation. Before you get admitted, you have to consult a doctor and get diagnostic tests done. A similar process is followed after discharge. The expenses preceding and after hospitalisation are known as pre and post-hospitalisation expenses.

Yes, a medical examination is required when you buy family health insurance. However, some policies do not require examination if you are below a certain age limit.

Yes, you can add family members while buying the policy or at the time of renewal.`

You can include your children in family health insurance after 90 days of birth and up to 21 years at the time of renewal.

The younger the applicant, the lower is the premium of health insurance. You also get more benefits when you buy insurance at a young age.

Yes, you can have more than one health insurance policy depending on the needs of your family.

Waiting period is the time span when the policyholder cannot avail some or all the benefits related to a specific illness.

The free look period is the time span within which you can cancel your policy without any penalty. Generally, the free look period ranges from 10 days to 15 days depending on the insurer.

Insurance companies have several hospitals in their network. You can get cashless treatment only in network hospitals. If you opt for a non-network hospital, you will have to clear the hospital bill and then you can claim reimbursement from the insurer.

If the insured person cannot be taken to the hospital due to his/her medical condition or the treatment is taken at home due to non-availability of hospital bed, it is known as domiciliary hospitalisation.

Expenses like pre and post hospitalisation, diagnostic tests, medicine and consultation costs are covered under basic hospitalisation.

The younger you get health insurance, the better. You can get health cover after the age of 18. Below the age of 18, one can get covered under family health insurance.

A minor cannot buy health insurance individually, however, parents can cover a minor under family health insurance.