Individual Health Insurance
Buy/Renew Personal Health Insurance Policy Online
Individual health insurance offers a key advantage over family plans: customization. Unlike family health insurance plans where everyone shares one coverage amount, individual health insurance plans provide coverage for each member separately. With individual health insurance, you can tailor your sum insured, coverage to your specific needs and health conditions.
Here's why individual plans shine:
Choose a sum insured amount that aligns with your budget and health risks.
Prioritize the benefits that matter most to you, whether it's comprehensive hospitalization coverage or additional benefits like critical illness protection.
Unlike employer-sponsored plans, individual health insurance remains with you even if you change jobs.
Let us look at the benefits of having an Individual Health Insurance plan:
Put your worries to rest with an Individual Insurance policy as it covers you and other member under the policy against expenses such as medical emergency, hospitalization, surgical treatments, etc.
Usually, an Individual Health Insurance plan covers hospitalization expenses, day care treatment, medical emergencies, health check-ups, and many more aspects, ensuring that you and other members under the plan get wider coverage.
You get access to quality healthcare as almost all the insurance providers have a wide network of hospitals. This gives you more options in choosing your preferred doctor.
For every claim-free year, you will receive some percentage of sum insured as a bonus on renewal of your policy. This is an incentive given to the insured for maintaining a healthy lifestyle.
Having a health insurance plan would serve as safety net, protecting you from unforeseen circumstances which may arise due to medical reasons.
You get to choose from a range of add-ons like wellness benefit, critical illness cover, room rent waiver, etc., which can be added to your basic plan and make your policy even more enhanced.
In India, premiums paid for individual health insurance plans are partially tax-deductible under Section 80D of the Income Tax Act. This reduces your overall healthcare cost and encourages investment in health insurance.
With an Individual Health Insurance plan, you get services like medical check-ups, vaccinations, and screenings which help you to keep a check on your health on a regular basis.
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| Key Features | Benefits of IFFCO-Tokio |
|---|---|
| Sum Insured | Up to Rs. 20 lakhs |
| Room Rent Charges | Upto Actuals depending on Sum Insured |
| ICU Rent Charges | Upto Actuals depending on Sum Insured |
| Ambulance Charges | Up to Rs. 2,500 per hospitilization |
| Daily Allowance Cover | Up to Rs.1,000 per day depending on Sum Insured |
| Co-pay | Nil |
| Critical Illness | Covered |
| No medical test upto | Age 60 |
| Reinstatement Benefit | Available |
| Day Care Cover | 380+ Procedures Covered |
| Online Renewal | Available |
| Lifelong renewal | Yes |
| Tax Benefit under 80D | Available |
| Cashless Treatment | Available at 7000+ Hospitals |
| Covid-19 Treatment | Covered |
| Claim Assistance | With 24/7 customer service |
| Pre Hospitalization Expenses | Upto 60 Days |
| Post Hospitalization Expenses | Upto 90 Days |
| Nursing Expenses | Covered |
| Wellness Benefit | Covered |
| Members Covered | You, your spouse, dependent children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent or relatives living together with you and dependent parents on individual sum insured basis |
Get Cashless Treatments in 7000+ Network Hospitals
Good health is one of your most important assets. Therefore, you should protect it with the best Mediclaim Policy. This is where we can help! Our Health insurance plan offers comprehensive cover against a number of unforeseen medical conditions to provide you complete peace of mind from life's uncertainties. Here are some of the benefits you can enjoy with the Individual Health insurance plan :
Individual Health Insurance Plan covers hospitalization charges like Room Rent, Surgical Expenses etc.
Individual health insurance policy covers cover for pre-hospitalization medical expenses.
Individual health insurance policy covers post-hospitalization medical expenses.
Individual health insurance covers 380 planned day-care treatments.
Individual health insurance policy covers ambulance expenses.
Individual health insurance cover expenses for treating critical illnesses.
Emergency assistance service is covered with individual health insurance.
Health check-ups coverage is available with individual health insurance.
Individual health insurance covers AYUSH treatments.
Room Rent Waiver- You can choose a hospital room as per your needs, with no limit on room rent.
Consumables- Any essential related to treatment like syringes, masks, bandages, etc., can be covered with this add-on.
Wellness Program- Get valuable benefits like e-pharmacy, yoga sessions, nutritional counselling, etc.
Critical Illness- Your sum insured gets doubled in case a life-threatening disease is diagnosed to help you manage treatment costs.
While an Individual Health Insurance plan offers significant protection from medical conditions, each policy will have its own set of exclusions. These are medical expenses that are not covered by the plan. Here's a look at some of the main exclusions of an Individual Health insurance plan.
Cosmetic treatments- These procedures aim to improve appearance, not address a medical condition. Examples include liposuction, Botox injections, and elective surgeries like nose jobs.
Pregnancy-related conditions- Pregnancy and childbirth are considered natural events, not illnesses. Therefore, they are typically not covered in Individual Health Insurance plans.
Injuries caused due to self-harm or suicide attempt- These are acts that are done intentionally, and health insurance typically doesn't cover them.
Injuries suffered due to war /or nuclear explosion- These are considered high-risk activities that are outside the scope of standard health insurance coverage.
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A right health insurance plan is a perfect balance of optimal coverage, without requiring you to pay higher premiums. Due to the lack of prior information and research, many individuals end up with either too little or too much coverage. To ensure this doesn't happen to you, we have listed a few considerations to keep in mind when buying an Individual Health Insurance Plan.
Healthcare requirements : Age- Your health is influenced by many factors, age being a prominent one. Younger adults may need to cover unanticipated health consequences whereas senior citizens need a broader coverage for critical illness as well.
Coverage- It is important to ascertain that your health insurance plan gives complete coverage for all your medical needs. Look for plans that cover hospitalization, COVID-19 treatment, health check-ups, etc., to maximize your healthcare benefits.
Affordability :Sum Insured- Your sum insured needs to be sufficient for today and in the future. When choosing a sum insured, factor in medical inflation when setting the coverage amount of the health insurance plan.
Premium- You need to find a balance between coverage and cost. The best Mediclaim policy for an individual will give you comprehensive coverage without burning a hole in your pocket! With IFFCO-Tokio, this is easy! Our Individual Health Insurance Plans offer comprehensive protection at affordable rates.
Network & Accessibility : Network Hospitals- It is advisable to go for a healthcare policy which has a well-established network of hospitals. This makes it easier for you access medical care without worrying about the healthcare provider. While IFFCO-Tokio boasts an extensive network of over 7,000 hospitals. But if you prefer, our plans offer “Anywhere Cashless” options allowing you to seek cashless treatment at any hospital.
Claim Settlement- The claim settlement process should be prompt and hassle-free, whether it's a reimbursement claim or a cashless claim.
Services : Add-ons- There are many plans which have an option to get add-on coverage for specific medical needs like daily cash allowance, which maximizes your protection but with additional premium.
Policy Wording- Thoroughly read the policy wording to have a better understanding about the coverage, inclusions, and exclusions before making a final decision.
Customer Service- To have a quick and responsive customer service makes the insurance journey smooth sailing. IFFCO Tokio is known for its customer-centric approach and efficient customer service. They have a dedicated team to assist customers with queries, claims processing, and policy-related matters, ensuring a hassle-free experience.
There are many questions which comes to our mind when deciding to buy an Individual Health Policy. Let us have a look at some of the basic criterion which may impact your eligibility:
The minimum age for buying an individual health plan is 18 years and the maximum age limit is 60 years.
Our policy covers Indian nationals residing in India.
Any pre-existing medical conditions including chronic illness, history of cancer, or any disorder would impact the waiting period and policy coverage.
If you are into smoking and alcoholism then both your eligibility and premium rate would get affected.
If the nature of your job is risky, you might have some specific eligibility criteria.
With today's hectic schedules and face-paced life, making time to visit the branch can seem impossible. That is when it is better to buy an online Individual Health Insurance Policy. In fact, buying your plan online will also qufetch you the following benefits.
Time is money these days and you can save your precious minutes, hours even when you buy an online Individual Health Insurance Policy. The online process can be completed in a few minutes and ensures you get coverage quicker!
You can buy online health insurance at any time you want. It could be in the middle of the night or on a lazy Saturday afternoon! You can buy a plan during the lunch break at the office, or even while traveling.
When you buy an online Individual Health Insurance Policy, you help us save on several overhead costs & we pass these savings onto you by offering you lower premiums. Thus, our savings are your savings!
You can forget about physical paperwork when you buy an online Individual Health Insurance Policy. This is because the entire process is online!
You get access to your policy documents via email immediately as you make the payment.
Our health insurance experts are always happy to answer all your individual health insurance related queries.
All the information from pricing to exclusions is clearly mentioned. Every minute detail can be easily accessed and reviewed so that you get answers to all your questions and there is no scope left for guesswork.
To purchase an Individual Health Insurance Plan online, all you have to do is follow the 3 simple steps given below.
Visit the health insurance renewal section on our website.
Enter your policy number and the insured person's name.
Double-check your details, then click "proceed" to continue.
Pay your premium using our secure payment system. Once renewed, we'll send your policy documents electronically.
* Disclaimer- On the basis of your profile, premium may change. Premium displayed is for one member between 20-25 years of age. Per day premium is for indication only, Premium is payable on Annual basis.
