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Looking for a suitable health insurance cover to protect you against the spiraling medical costs? You should think about investing in Individual health insurance. Individual health insurance is an insurance coverage that takes care of your medical expenses. It can also include insurance covering disability or long-term nursing or custodial care needs, depending on the plan you opt for. In addition to this, it will also offer you tax benefits.
Individual health insurance is a type of health insurance coverage that is made available to individuals, rather than to groups or organizations. It will offer healthcare protection to the insured individual. You will be surprised with the variety and affordability of the individual health insurance options available. Indian Health Insurance market has emerged with several new options. It has come up with numerous new and innovative Individual health insurance plans. 
Framed in different policy variants, they are ready to offer comprehensive coverage to all income groups. At affordable cost, policies offer firm support to the insured. 
An individual health cover will cover you against basic medical care cost. Besides that, it will also include additional benefits to make the coverage beneficial. But this list of benefits will differ from policy to policy. So, make sure that you are familiar with all the included features and benefits of the policy. Individual Health Insurance Plans from HDFC Ergo Health (formerly Apollo Munich) will cover you against the unexpected health concerns as well as for your routine and preventive health needs. 
HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance) is a joint venture between India’s largest integrated healthcare group, the Apollo Hospitals Group, and Munich Health, Europe’s leading healthcare insurer. With a backbone of over 60 years of experience globally, HDFC Ergo Health (formerly Apollo Munich) offers a comprehensive range in health insurance plans that are designed keeping you and your needs in mind. Drawing from the rich experience and expert knowledge, it has devised plans to suit the need of people at large. All its tailor made plans offer adequate coverage at affordable cost. By paying a reasonable amount, its policies can provide the insured with comprehensive coverage. 
You can avail of HDFC Ergo Health (formerly Apollo Munich)’s Individual health Insurance policies on a cashless basis in over 4000 hospitals. With a widespread network, it makes easy for customers to enjoy quality treatment without any fiscal concern. As a result, you can manage your expenses easily and have a hassle-free transaction. The policies are available in three variants – Standard, Exclusive & Premium; you can choose what sum you want to insure from a wide range of Rs 1 lakh to Rs 10 lakhs and you get to choose your own premium, so you are able to decide what would suit your needs best. Apart from premium, there are several other crucial factors in a policy. They all have a crucial role to play. So, they all must be studied in detail. 
The Individual Health Insurance policies are power-packed with unique features like cash credited on daily basis on choosing shared accommodation, daily cash for accompanying an insured child, maternity expenses*, health check-up, spectacles, contact lenses, and out-patient dental treatment** etc. There is yet another advantage of opting for additional coverage for critical illnesses. Along with the plan this provision can be availed. It will make the coverage complete. 
Highlights of HDFC Ergo Health (formerly Apollo Munich)’s Individual Health Insurance plan: 
  • Provides broad cover for medical treatment of illnesses and accidents that require ‘in-patient’ hospitalization 
  • Critical illness cover (available as an option) 
  • Covers diagnostic procedures, boarding & lodging, ICU, Surgery cost and prosthetic costs among others 
  • Offers coverage from 5 years onwards, the maximum entry age being 60 years 
  • Covers child dependent from 91st day if both parents are covered 
  • Provision of 100% lifelong renewal
  • Coverage for day-care procedures and emergency ambulance
  • Entitle insured to tax benefits for premium amount under section 80D of Income Tax Act
All these features are easy to understand. To demystify it for customers, HDFC Ergo Health (formerly Apollo Munich) provide all genuine information in simple policy wordings. In uncomplicated language, policies can be understood. Focus must be on personal healthcare needs and chosen health plan should be able to ensure coverage for maximum of your healthcare needs. 
Health insurance is helpful not merely in case of hospitalization. It assists the insured individual even during the regular check-ups. However, the coverage limit will vary from policy to policy. It is thus extremely important to have a clear understanding of the policy coverage.  Devoid of any additional claim based loading and sub-limit/ copayment terms, Individual health insurance comes affordable with HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance)
So, buy a health cover for personal health safety. But ensure that you pay for a suitable plan that can enable you to enjoy comprehensive coverage at the time of need. Make your life comfortable with health insurance coverage.
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