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Individual Health Insurance
Health insurance plans provide the much-needed relief when someone falls ill or meets an accident, unfortunately. Individual insurance plans are known for providing exactly what they need from a plan. They fulfill the specific medical requirements of a family and help them get the best at affordable premiums. Known for their easy customization option, these plans give you the option to choose what all the features and benefits you want in your plan and exclude the rest. Let’s get to know what are the benefits provided in the offered plan and why should you consider buying the same.
Key Benefits Of Individual Health Plan:
  • Desired Coverage
    Individual insurance plans aren’t offered by the employers instead they are directly offered to the interested insurance buyers. They let the buyers choose an insurance coverage of their choice. This means you can choose any sum as your insurance cover as per their specific requirements. You can the help of an insurance expert to decide the required coverage for you as well as your family. Depending on your specific requirements, they will suggest you an amount that will be sufficient to take care of the medical and surgical expenses of you and your loved ones.
  • Pre Existing Condition
    These plans are known for providing a cover to the people with pre-existing conditions. There might a loved one in your family diagnosed with a serious illness and you might have to spend a lot on their treatment. But there are insurance providers who provide a cover for those illnesses such as Heart Attack, Stroke, Cancer, Alzheimer, Diabetes, Renal Failure, AIDS/HIV Infection, Chronic Lung Disease, Parkinson, severe mental illness, severe blood disorder and much more. This list of pre-existing conditions may vary according to the providers and you are supposed to ask your provider what all diseases they cover before you buy a plan.
  • Tailored Benefits
    Unlike the group health plans, these insurance plans provide tailored benefits for the insured. You can choose the desired coverage for your health cover plan that can easily cover all the possible medical and surgical expenses of your family. If any of your loved ones is suffering from a serious disease, you can get a cover for that specific disease to cover their treatment expenses. Usually, the treatment of these diseases are very expensive and the patient, as well as their family, have to suffer a lot. Having a sufficient cover for such disease can help you receive the timely treatment at very affordable premiums.
What All They Cover?
To utilize most of your plan, you are supposed to know well about the plan you have bought. You need to know all the benefits provided in your plan and how can you utilize the same. For your desired insurance coverage, you get a cover for pre and post-hospitalization charges. For pre-hospitalization, you get a cover for 30 days pre-hospitalization and ambulance cover for the same. If the patient is hospitalized for less than 24 hours, the providers will pay for the medical expenses while if the patient is hospitalized for 24 hours or more, they will receive a cover for nursing expenses, room charges, doctor's fee, surgeon's fee, intensive care unit charges, surgeon's fee, blood, oxygen, anesthesia and operation theater charges. Also, there are providers who offer a cover for rehabilitation charges as well.
Why Buy An Individual Plan?
Having a sufficient health cover plan can save you from a bigger misery in case you or one of your loved ones falls ill or gets injured in an accident. These plans can help them get admitted into a hospital quickly and receive the required treatment timely. Moreover, the insured won’t have to pay for most of the common serious diseases covered by the plan. Through a cashless health cover plan, you won’t have to pay anything in cash to get the treatment initiated. These plans prove very helpful in case the insured suffers a stroke or gets badly injured in an accident as these plans help the insured get admitted immediately and the treatment starts without any delay.

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