Individual Health Insurance

Individual health insurance is a type of policy that covers the medical expenses of a single insured individual. The entire sum insured is dedicated to that one person, rather than shared among multiple members.

Yes, pre-existing diseases are covered after a standard waiting period (usually ranging from 2 to 4 years depending on the insurer and plan selected).

Typically, there is an initial 30-day waiting period for illnesses (except accidental hospitalization), a 2-year waiting period for specific diseases like hernia/cataract, and 2-4 years for pre-existing conditions.

Yes, you can add family members to your policy either at the time of annual renewal or mid-term for major life events like marriage or a newborn baby.

Yes, most modern individual health policies cover alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) up to the full sum insured.