Individual Health Insurance Plan

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

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

There are many expenses related to hospitalisation. Before you are admitted, you must consult a doctor and have diagnostic tests performed. A similar process is followed after discharge. Expenses incurred before 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 the health insurance premium. 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 your or your family's needs.

Waiting period is the time during which the policyholder cannot avail of some or all of the benefits related to a specific illness.

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

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

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

Expenses such as pre- and post-hospitalisation, diagnostic tests, medicines, 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. One can be covered under family health insurance before the age of 18.

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

If you get treated at a non-network hospital, you have to pay the bills first and then claim reimbursement from your insurer.