Types of Health Insurance Plans

Types of Health Insurance Plans

There are few Types of Health Insurance plans Rising health issues due to irregular eating habits.

Unhealthy lifestyle and an increasing healthcare cost can burn a big hole in one’s pockets.

To avoid that one should purchase a health insurance plans.

Insurance companies have different health insurance plans that suit an individual’s needs.

Types of Health Insurance Plans

Below mention are some of the basic Types of Health Insurance plans that most of the companies offer.

Type of Health Insurance Plan Suitability
Individual Health Insurance plan Individual
Family floater Health insurance plan Whole Family – Self, spouse, children and parents
Group Health cover Corporate Houses
Senior citizen health Insurance Citizens from the age of 65 and above
Critical Illness Health Cover Used to fund expensive treatments
Super Top-Up Policy  Sum insured of existing policy is exhausted

1. Individual Health Insurance Plan

Individual Health Insurance Plan is a type of health insurance plans that covers health expenses of an insured individual.

These policies pay for surgical.

Hospitalization expenses of an insured individual till the cover limit is reached.

The premium for an individual plan is decide on the basis of medical history & the age of the individual buying the plan.

2. Family Floater Health Insurance Plan

If a person wants to buy health insurance plan for his entire family in a single plan, then he should go for a family floater Policy plan.

Any family member cover under the policy can claim in case of hospitalization and surgical expenses.

The premium for family floater policy is determined based on the age of the eldest member under the coverage of the policy.

Types of Health Insurance Plans

3. Group Health Cover

Group health insurance cover plans are bought by an employer for his employees.

The premium in group insurance is lower than individual health insurance policy.

Group health cover plans are usually standardized in nature and offer the same benefits to all employees.

4. Senior Citizen Health Insurance

At old age, health issues arise that involve expensive treatments to meet such high medical cost.

Insurance companies have designed special health insurance plans for senior citizens.

These plans provide cover to anyone from the age of 65 and above.

The premium is higher in the case of senior citizen health insurance plan as compared to other policies.


5. Critical Illness Health Cover

Critical Illness Policy cover the expenses involved in treating the life-threatening diseases like a tumor, permanent paralysis etc.

These policies usually pay a lump sum amount to insured person on the diagnosis of serious diseases covered in the policy document.

Types of Health Insurance Plans


6. Super Top-Up Policy

Super Top-Up Plans offer an additional coverage over the regular policy that can help to increase the amount of sum insured.

Policy can be used only after the sum insured of one regular policy is exhausted.

A person should select a health insurance plan after considering his medical needs and requirement.

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