Individual Health Insurance

Critical illness cover

This covers the expenses associated with the treatment of critical illnesses such as cancer, heart attack, and kidney failure.

Maternity cover

This covers expenses related to childbirth, including hospitalization, delivery, and prenatal and postnatal care.

Personal accident cover

This covers expenses related to accidental injuries, disability, or death caused by an accident.

Hospital cash benefit

This provides a daily cash benefit for hospitalization to cover additional expenses such as transportation and food.

No-claim bonus

This rewards policyholder who do not make a claim during the policy period by offering a discount on the premium for the next policy period.

Pre-existing diseases

Most policies have a waiting period during which pre-existing medical conditions are not covered. This varies depending on the insurance company and policy.

Cosmetic treatments

Cosmetic procedures such as plastic surgery, hair transplant, and dental procedures are usually not covered unless they are medically necessary.

Alternative treatments

Treatments such as Ayurveda, Unani, and Homeopathy are not covered unless specified in the policy.

Non-medical expenses

Expenses that are not directly related to medical treatment, such as transportation costs, food, and accommodation, are usually not covered.

Self-inflicted injuries

Injuries that are self-inflicted, such as suicide attempts or injuries resulting from drug or alcohol abuse, are usually not covered.

Sum Insured

This refers to the maximum amount that the insurance company will pay towards medical expenses during the policy period. The sum insured varies depending on the policy and the insurance company.

Premium

The premium is the amount that the policyholder pays towards the policy. The premium amount is determined based on factors such as age, health condition, and medical history.

Waiting period

Most policies have a waiting period during which pre-existing medical conditions are not covered. The waiting period varies depending on the policy and the insurance company.

Co-payment

Co-payment is the percentage of the medical expenses that the policyholder has to pay out of their own pocket. Some policies may have a co-payment clause that requires the policyholder to pay a certain percentage of the medical expenses.

Cashless hospitalization

Many individual health insurance policies offer cashless hospitalization, which means that the policyholder can get medical treatment without having to pay out of their own pocket. The insurance company settles the bill directly with the hospital, subject to the terms and conditions of the policy.

1. Visit the PolicyLeader website

Go to the PolicyLeader website (www.policyleader.co.in) and select "Individual Health Insurance" from the list of insurance products.

2. Provide personal details

Fill in your personal details such as name, age, and contact information. You may also be required to provide details about your medical history.

3. Choose a policy

PolicyLeader offers a range of individual health insurance policies from various insurance companies. Review the policy details, coverage, and premium amounts to choose a policy that best meets your needs.

4. Compare policies

Use the comparison tool to compare policies from different insurance companies based on factors such as premium, coverage, and exclusions.

5. Customize your policy

You can customize your policy by adding or removing riders (add-on covers) to suit your specific needs.

6. Pay the premium

Once you have chosen a policy, pay the premium online using a debit card, credit card, or net banking.

7. Receive the policy documents

After the payment is confirmed, the policy documents will be emailed to you. The policy documents will contain all the details of your policy, including the coverage, exclusions, and terms and conditions.