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Individual Health Insurance Online
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Medical emergencies usually strike unexpectedly, leading to overwhelming hospital bills and associated expenses. Health insurance is an essential financial support system that helps you manage today's ever-increasing medical costs.Whether you need coverage for unexpected hospitalisations, treatments or surgeries, a reliable individual health insurance plan can help you prioritise your health without depleting your savings.At Reliance General Insurance, we offer tailored health insurance for individuals that cater to your unique and diverse healthcare needs. Our individual health insurance plans are designed to provide comprehensive coverage and financial support, ensuring you can efficiently manage your healthcare expenses.
An individual health insurance policy is designed to provide medical coverage for a single person.It covers expenses related to inpatient and outpatient treatments, medications, pre & post-hospitalisations and many other healthcare services. Unlike a family floater plan that covers multiple family members under one policy, individual health insurance focuses solely on the needs of one person.Understanding individual health insurance is essential for making an informed decision about your healthcare needs. You can buy a separate policy for yourself, your spouse and your ageing parents based on everyone’s unique medical requirements. This ensures that each insured will have an individual health insurance policy with a dedicated sum insured.
Here are some key aspects regarding the importance of individual health insurance:
A single health insurance plan offers financial safeguards by covering a range of medical expenses, including diagnostic tests, doctor consultations, ambulance services and more. This support allows you to focus on recovery without worrying about the costs.
The best personal health insurance plans offer broad coverage with high-sum insured options, ensuring ample financial support for various medical expenses, from routine check-ups to major medical procedures.
Investing in an individual health insurance policy offers tax benefits under Section 80D of the Income Tax Act. You can claim deductions up to ₹1 lakh* (if both you and your parents are senior citizens) for the premiums paid.
With the Cashless Everywhere feature, Reliance General Insurance allows you to access cashless treatment anywhere in India - network and non-network hospitals. This benefit allows you to receive treatment without having to worry about any upfront payments.
One of the benefits of individual health insurance plans is that they can be customised. This allows you to add specific coverages such as maternity benefits, critical illness coverage and more, ensuring your plan fits your unique health needs.
One key health insurance benefit for individuals is coverage for preventive care, such as vaccinations and annual health check-ups. This proactive approach helps in the early detection and management of potential health issues.
Many individual health insurance plans cover AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy benefits). This provides a holistic approach to healthcare, giving you the flexibility to choose treatments that suit your health needs and treatment preferences.
Individual health insurance provides 24x7 emergency assistance, ensuring that you have access to medical help whenever you need it. This round-the-clock support can be crucial during medical emergencies, providing immediate assistance and guidance.
One of the standout individual health insurance features is the provision of cumulative bonuses for claim-free years. This means that your sum insured can increase without additional premiums, providing greater coverage over time.
The peace of mind that comes with knowing that your healthcare needs are covered is invaluable. Health insurance gives you access to necessary medical care without having to worry about costs, allowing you to focus on your health and recovery.
Reliance General Insurance offers a range of affordable and comprehensive individual health insurance plans to address your unique healthcare requirements. Our policies provide broad coverage for a number of medical expenses, including inpatient care, OPD visits, pre-and post-hospitalisations, routine check-ups, surgeries and planned international treatments. We also offer cashless hospitalisation across India, ensuring you receive the best possible care when you need it the most.
That said, here are some top reasons why you should choose Reliance Individual Health Insurance:
Our individual health insurance policies offer extensive coverage with numerous sum insured options designed to align with your healthcare needs. You can choose an option to select and/or enhance your sum insured from ₹5 lakhs to ₹5 crores (based on your plan).
Our 100%* claim settlement ratio is a testament to the fact that Reliance General Insurance is committed to handling your claims swiftly and smoothly. Our claim settlement team ensures that you receive all the support you need during difficult times.
Our single health insurance plans cater to a wide array of needs, offering both domestic and international coverage. Whether you’re looking for a standard or customised policy, we have an ideal individual health insurance plan for your every requirement.
Our customer base of 5 crore+ happy policyholders* highlights our dedication to providing comprehensive health insurance plans at affordable rates, top-notch services for zero inconvenience and exceptional customer support. You can trust us for your health and well-being.
At Reliance General Insurance, we believe in offering cost-effective health insurance plans that provide comprehensive coverage and maximum benefits. Our personal health insurance cost starts at just ₹243/month* to ensure you get the protection your health needs.
Choose Reliance General Insurance for reliable and extensive individual medical insurance that caters to all your healthcare needs.
The table below provides key features of individual health insurance plans offered by Reliance General Insurance:
Reliance General Insurance offers one of the best individual health insurance plans in the market, with wide coverage and transparency regarding inclusions and exclusions. You must carefully read the inclusions and exclusions of an individual insurance policy.
Understanding the eligibility criteria when buying individual health insurance online is important to finding the right plan and ensuring smooth processing. This knowledge helps you choose the best policy that fits your needs and circumstances.
Reliance General Insurance offers a seamless and hassle-free process to purchase individual health insurance online. Follow these steps to secure your individual medical insurance:
You can renew your individual health insurance policy online through the Reliance General Insurance website or the Reliance Self-i app. Follow these simple steps for a hassle-free individual health insurance renewal:
On the website:
On the Reliance Self-i App:
Here are some of the key factors to consider before selecting an individual health insurance policy:
Check if your policy covers a range of medical expenses, including planned and emergency treatments, OPD and daycare procedures.
Compare premiums across different individual health insurance companies. Prefer plans that offer extensive coverage at affordable rates.
Check for your insurer’s list of network hospitals. A vast network ensures timely treatment during medical emergencies.
Choose an insurer with a high claim settlement ratio. This ensures that your claims will be settled without problems.
Before you buy personal health insurance, read the company's customer reviews and testimonials to make an informed decision.
Select policies that offer add-ons. This will help you enhance your existing policy as per your healthcare requirements.
Consider these factors to determine if individual health insurance is worth buying for your needs. This will ensure comprehensive coverage and peace of mind.
Under Section 80D of the Income Tax Act of 1961, you can claim tax deductions for premiums paid on health insurance plans for you and your dependent parents.
Here’s how it works:
You can claim additional deductions for health insurance premiums paid for dependent parents:
If both you and your parents are above 60 years, you can claim:
This way, the total permissible deductions can sum up to ₹1 lakh*, maximising your savings while ensuring comprehensive health coverage for your entire family.
Choosing between group health insurance and individual health insurance depends on various factors, including your employment status, personal health needs, and financial considerations. Here is a detailed comparison to help you understand the key differences and make an informed decision.
By understanding the key differences between group health insurance and individual health insurance, you can make an informed buying decision based on your specific needs and circumstances.
It is critical to assess your health insurance needs before buying any policy online. The table below provides key differences between individual health insurance and family floater health insurance to help you make an informed decision:
Buying an individual health insurance requires careful deliberations. Comparing individual health insurance plans online can help you select a policy that offers the required value, coverage and benefits. The table below compares individual health insurance plans offered by Reliance General Insurance and other insurers in the market.
Determining the right amount of individual health insurance coverage is crucial to ensure you are adequately protected against medical expenses. Here are a few factors and examples to help you decide the appropriate coverage based on different age brackets and circumstances:
Coverage Recommendation: Typically, young adults can opt for an individual health insurance plan with coverage starting from ₹5 lakhs.Reasoning: The likelihood of falling seriously ill is lower at this age, so a basic coverage amount is usually sufficient. This allows for affordable premiums while still providing financial security.Example: If you are 25 years old with an annual income of ₹10 lakhs, individual medical insurance with a coverage of ₹5-10 lakhs would be adequate.
Coverage Recommendation: Individuals in this age group should consider coverage of at least ₹10-20 lakhs.Reasoning: Medical needs and risks start to increase in this age bracket. Additionally, many may have dependent family members, increasing the need for higher coverage.Example: A 40-year-old with an annual income of ₹20 lakhs might opt for a coverage amount of ₹10-20* lakhs to ensure comprehensive protection for themselves and their family.
Coverage Recommendation: Senior citizens should ideally have a health insurance policy with a coverage of ₹20-50 lakhs or more.Reasoning: Medical expenses tend to rise significantly with age due to increased healthcare needs. It’s crucial to have a high sum insured to cover potential surgeries and hospitalisations.Example: For a senior citizen, bypass surgery alone can cost up to ₹2 lakhs. Hence, it is advisable to have coverage of at least ₹20-50 lakhs to ensure sufficient financial protection.
Coverage Recommendation: For a family of four, a family floater plan with a sum insured of ₹10-15 lakhs is recommended.Reasoning: Family floater plans provide coverage for all members under a single sum insured, which any member of the family can utilise.Example: For a family comprising two adults and two children, a health insurance policy with a coverage of ₹10-15 lakhs ensures that the family is well-protected against medical emergencies.
Calculating your individual health insurance premium involves understanding the factors that influence the cost and using an individual health insurance premium calculator to get an accurate estimate.
This process helps you determine how much you need to pay for your individual health insurance policy coverage and ensures you choose a policy that fits your financial and healthcare needs.
At Reliance General Insurance, we consider several factors, including your age, policy type (individual/family floater), selected sum insured and add-ons, to calculate your health insurance premium amount. Worry not; you can just follow the below steps to check your Reliance Individual Health Insurance premium:
Step 1: Visit the Official Website
Step 2: Enter Your Details
Step 3: Input Coverage Information
Individual Medical Insurance: Process for Cashless Claims
Individual Mediclaim Policy: Process for Reimbursement Claims
You need to submit various documents while filing an individual health insurance claim to ensure a smooth and hassle-free process. Here is a list of essential documents you need to provide:
Here is the detailed Health Insurance Claims Process.
Managing your individual health insurance policy effectively ensures you maximise your coverage and benefits while minimising costs. Here are some practical tips to help you effectively maintain and manage your policy:
Individual Health Insurance is a policy that covers the insured person's healthcare expenses. It includes hospitalisation costs, surgeries, OPD expenses, and more, offering financial protection against high medical bills.
Group health insurance is usually purchased by an organisation or employer for its employees. In contrast, individual health insurance is purchased by an individual for their individual healthcare needs.
Group health insurance usually costs less than individual health insurance. This is because group health insurance provides standard coverage, and individual health insurance offers personalised coverage.
A company can offer its employees individual health insurance. This is usually seen in smaller organisations with fewer employees.
You can buy individual health insurance at any time, unlike employment-sponsored health plans, which may have a certain enrolment period.
It is advisable to purchase individual health insurance before you need immediate coverage since there are waiting periods for pre-existing conditions.
Individual health insurance usually covers hospitalisation, pre and post-hospitalisation, surgeries, doctor’s fees, hospital room rent and other medical expenses.
Some plans may also offer coverage for alternative treatments (AYUSH), critical illnesses, daycare procedures, outpatient care and more.
Cashless everywhere is a new insurance-industry-led feature. Through this feature, Reliance General Insurance, you can claim cashless facilities at any hospital in India and not just in the insurer’s network hospitals.
With this facility, you don’t need to make upfront payments, which offers convenience.
The best health insurance coverage depends on individual needs, health conditions and budget. Consider plans with extensive coverage, including pre and post-hospitalisation expenses, critical illness coverage, etc.
Plans like Reliance Health Infinity and Reliance Health Global are highly recommended for wide coverage and extensive benefits.
To find the best individual health insurance plan, you must research the plans offered by different insurance providers.
Compare their features, benefits, additional services, claim settlement ratio, network hospitals, number of satisfied customers and other factors to find the policy that meets your needs.
Policy terms include waiting periods for pre-existing conditions, inclusions and exclusions, eligibility criteria, payment clauses, and renewal procedures.
You must read and understand these terms before purchasing any health insurance policy to avoid any surprises during claim settlement.
Health insurance premiums depend on various factors, such as age, sum insured, health conditions, pre-existing conditions, and lifestyle habits. A higher sum insured and add-ons may increase your premium.
The cost of individual health insurance can vary depending on factors like the plan you choose, customisations, and coverage details.
At Reliance General Health Insurance, premiums start at as low as ₹243* per month, which could increase based on the plan chosen and additional services opted for.
Group health insurance is usually cheaper than individual health insurance since the risk is spread across a large number of people.
This helps reduce the cost of premiums per person. Organisations usually opt for group health insurance, making it affordable for employees.
The claim process for individual health insurance from Reliance General Insurance involves notifying the company about the hospitalisation. Submit the necessary documents and follow the prescribed procedures.
Claims can be cashless (settled directly with the hospital) or reimbursement (where you pay first and get reimbursed by Reliance General Insurance).
It is very easy to file an individual health insurance claim with Reliance General Insurance. All you need to do is visit the Claim section on the homepage, download the claim forms and submit the duly filled forms via email or Self-i app or website.
To file a claim with Reliance General Insurance, you need to submit the following documents: a pre-authorisation form, a claim form, identity proof, original medical bills and a discharge summary.
Disclaimer:*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for multiple products such as Health Gain Health Insurance Policy UIN -RELHLIP21514V022021, Health Infinity Insurance UIN -RELHLIP21521V032021, Reliance Health Super Top Up UIN- RELHLIP21617V012021, Reliance Health Global UIN: IRDAN103RP0001V01202324.Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.Sum Insured: The mentioned sum insured are for Reliance Health Infinity and Reliance Health Global policies.Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.Claim settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
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