Individual Health Insurance
Covers hospitalisation, surgery, and medical expenses for a single person. Premium is based on age, health, and sum insured.
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Family Floater Health Insurance
One policy, one shared sum insured for the entire family. Any member can use the full cover — usually more cost-effective than separate policies.
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Critical Illness Insurance
Pays a lump sum on diagnosis of specified critical illnesses like cancer, heart attack, or stroke — regardless of actual hospitalisation cost.
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Mediclaim Insurance
Reimburses or pays directly for hospitalisation expenses. The original form of health insurance in India — straightforward and widely available.
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Senior Citizen Health Insurance
Designed for individuals aged 60 and above — higher entry age, pre-existing disease cover after waiting period, and age-specific benefits.
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Group Health Insurance
Employer-sponsored cover for employees under a single master policy. Usually includes pre-existing conditions from day one with no waiting period.
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Which plan covers what?
A simplified side-by-side of the most common health insurance plan types.
| Plan Type | Who It Covers | Shared Cover | Lump-Sum | Pre-Existing Diseases |
|---|---|---|---|---|
| Individual | Single person | ✗ | ✗ | After waiting period |
| Family Floater | Whole family | ✓ | ✗ | After waiting period |
| Critical Illness | Individual | ✗ | ✓ | Varies |
| Group | Employees | ✓ | ✗ | Usually day one |
| Top-Up | Individual/Family | Varies | ✗ | After deductible |
Not sure which health plan is right for you?
Talk to a Wealth Doctor, free — no policy will be sold to you on the call.