Types of Individual Health Insurance

buying individual health insurance

By Cinta Woii

Talking about Health Insurance, there are many different types of health insurance. One of them is Individual Health Insurance. Here are a few different types of individual health insurance and what they cover. Enjoy it

1.  Major medical

It gives you coverage for visits to your doctor, hospital stays or surgery, and covers ongoing illness.

2.  Specified disease

It is going to help you with medical expenses specific to specified disease (like cancer, HIV, H5N1 viruses, H1N1, etc)

3.   Surgery/Hospital

It is going to cover fees incurred in hospital. It included lab tests, x-rays, and doctor consultations. If you require follow-ups once you are discharge from the hospital, this individual health insurance will not provide you assistance.

4.  Home Health Care

This individual health insurance types will help you if you need assistance while at home (either round the clock or routine). This insurance will pay for these services.

5.  Long-term Care

If you have an elderly, this individual health insurance is suitable for you. Elderly usually aren’t able to completely care for their needs. They need assistance with day to day living, or stay in residents where the insured will get assistance with their needs.

6.  Short-Term

This individual health insurance is pretty much the same as major medical insurance but only covers a short period of time. It is good if you are between jobs and just waiting for insurance to kick in.

Those types of individual health insurance above, there are different cost associated with time. These include the typical monthly insurance premium, deductibles, co-insurance or co-payment, and lifetime limits with any insurance policy. By looking up those types of individual health insurance, now you’re the expert on health insurance. You can choose one or some of them. It’s up to you.

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