Individual health insurance plans in India

Hi Raj,

It totally depends on provider to provider as in what to cover in an individual health insurance plan. I have opted for health insurance offered by Max Bupa which covers day care procedures, in-patient treatment, pre & post hospitalization medical expenses, domiciliary treatment, and emergency ambulance expenses. Sharing the link for your reference http://www.maxbupa.com/foryouyourFamily/Heartbeat/Individual.aspx

There are many health insurance service providers in India who offer a range of covers. In most cases (as the one you ask), individual medical insurance plan offers health coverage for your spouse, children and parents. In general, they should provide cover against sudden illness, surgeries, accidents and against acts of terrorism as well. In your research of  insurance companies for comparison, you can consider Royal Sundaram based out of Chennai, India.

HDFC life health insurance plan covers lump sum payment on survival post diagnosis of a critical illness, so that in the event a critical illness strikes, you don't have to dig into those precious savings of yours.

Below the Advantages of HDFC Healh Insurance:

• Provides valuable protection on survival post diagnosis of a critical illnesses
• Covers as many as 30 critical illnesses
• Lump sum benefit payment paid irrespective of medical expenses
• The policy continues even after the benefit payment paid on selected illness
• Choice of the level of health cover and premium payment
• Convenient and hassle free claims
• Tax benefits are available under section 80D under Income Tax Act, 1961

For individual health insurance plan I think the AEGON Religare is best option for it. Last time I bought health insurance plan it provide me best plans in affordable premium price.