5 Things to Consider Before Buying Individual Health Insurance Plans

Updated: May 7, 2019

Every day you might come across at least one commercial, billboard or SMS, from different companies, which prompt you to buy an individual health insurance coverage. Being bombarded with these ads can either be intimidating due to the financial jargons used or may seem extremely lucrative. But, in order to clear your confusion as to which individual health insurance plan is worth your money, all you need is the following checklist.

Here are the 5 things to consider before buying individual health insurance plans:

  1. The sum assured: Make sure that the sum assured by your potential individual health insurance covers the majority of your present and future medical expenses. To have an estimate of how much the sum assured is to be, keep in mind your current health condition and the expenses thereof and the cost of living expenses of where you abide. For instance, if you live in a small town the minimum sum assured should vary from 3 to 5 lakhs while 5 to 10 lakhs are ideal if you live in an urban city.

  2. Benefits beyond hospitalization cover: While purchasing a personal health insurance, enquire as to what all expenses are going to be covered and not in case of hospitalization. Also, the plan should offer certain monetary benefits extended to your family members, maternity benefits and also cover emergency medical expenses of your newborn if any. It’s advisable to opt for an individual health insurance plan, which takes care of the pre-hospitalization and post-hospitalization charges like doctor’s fee, diagnostic tests, medicines, etc.

  3. Pre-existing diseases coverage: Keep in mind the waiting period before you can claim the insurance because most individual health insurance plans don’t cover already existent ailments immediately. The best individual health insurance plan would be the one, which has a minimum waiting period after enrollment.

  4. Simplified processes and suitable to modern needs: Select a health insurance plan that involves a straightforward and effortless claiming process and paperwork that’s backed by a good customer service support. Purchasing personal health insurance that also covers out-patient medical expenses can help save your money and facilitate your routine medical check-ups and expenses.

  5. Lifetime renewability and global coverage: Individual health insurance plans that assure lifetime renewability help cover your medical expenses without any age-related limitation. This feature becomes all the more important while purchasing personal health insurance for the elders in your family. Plus, a plan that covers your medical expenses even abroad in case of an emergency is quintessential.

Lastly and most importantly, purchasing a personal health insurance plan from a reputed and well experienced financial entity is vital. That is why for the best individual health insurance, trust ManipalCigna Health Insurance. With ManipalCigna Health Insurance, your insurance will assure you the world-class protection that puts you first. If you are looking for effective and efficient individual health insurance plans, click here right now!


ManipalCigna Health Insurance Company Ltd (Formerly known as CignaTTK Health Insurance Company Limited) | CIN U66000MH2012PLC227948 | IRDAI Reg. No. 151 
Reg. Office: 401/402, 4th Floor, Raheja Titanium, off. Western Express Highway, Goregaon (East), Mumbai- 400 063 | Toll free number – 1800-102-4462 | Website address –
Trade Name / Trade Logo belongs to MEMG International India Private Limited and Cigna Intellectual Property Inc. and is being used by ManipalCigna Health Insurance Company Limited under license. For more details on risk factors, terms and conditions, please read the sales brochure/ sales document available on our website (Download section) before concluding a sale.

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