- Sample Headings
About IHI – Individual Health Insurance.
- What is IHI? (Click on Every points should be get breif explanation as below mentioned Contents)
- Basic Coverages.
- Add On Coverages.
- Claim Process Support.
Free Consultation for the IHI Product.
What is IHI?
An Individual health insurance is a policy that covers a single person under the policy against medical bills and hospitalization costs. You can purchase an individual health insurance policy for yourself, your spouse, your children, or even your ageing parents.
Basic Coverages
Individual health insurance typically includes the following basic coverages:
- Preventive Services: Routine check-ups, vaccinations, screenings, and other preventive care to help avoid illness and detect health issues early.
- Doctor Visits: Coverage for visits to primary care physicians and specialists, including consultations and follow-up appointments.
- Hospitalization: Costs associated with inpatient care, including room charges, surgery, and other hospital services.
- Emergency Care: Treatment for urgent medical conditions or emergencies, including emergency room visits and ambulance services.
- Prescription Medications: Coverage for prescription drugs, often including both generic and brand-name medications.
- Lab Tests and Imaging: Costs for diagnostic tests such as blood tests, X-rays, MRIs, and other imaging procedures.
- Mental Health Services: Coverage for counselling, therapy, and treatment for mental health conditions.
- Maternity and Newborn Care: Services related to pregnancy, childbirth, and care for newborns.
- Rehabilitation Services: Coverage for physical therapy, occupational therapy, and other rehabilitative services.
These coverages are designed to provide comprehensive health care and protect against high medical costs. The specific details of coverage can vary by plan, so it’s important to review each policy to understand what is included and any limitations or exclusions.
Add on coverages
Add-on coverages, or optional riders, can enhance individual health insurance policies by providing additional benefits. Common add-on coverages include:
- Dental Coverage: Covers routine dental care, such as cleanings, check-ups, and possibly more extensive procedures like crowns and orthodontics.
- Vision Coverage: Includes eye exams, glasses, and contact lenses, and sometimes coverage for eye surgeries like LASIK.
- Critical Illness Insurance: Provides a lump-sum payment if diagnosed with a serious illness such as cancer, heart attack, or stroke.
- Accident Insurance: Covers expenses related to injuries sustained in accidents, including treatment and rehabilitation.
- Short-Term Disability Insurance: Offers income replacement if you’re unable to work due to illness or injury.
- Long-Term Disability Insurance: Provides income support for extended periods if you are unable to work due to a long-term disability.
- Wellness Programs: Includes access to fitness programs, wellness coaching, and other health-related services to promote overall well-being.
- Travel Health Insurance: Covers medical expenses incurred while traveling outside your primary health insurance network or country.
- Alternative Medicine Coverage: Provides coverage for treatments such as acupuncture, chiropractic care, or homeopathy.
These add-ons can be tailored to individual needs, offering more comprehensive protection and enhancing the overall benefits of a health insurance plan.