A separate sum insured for one covered person.
Often considered by
Anyone who wants cover that is not shared with family members.
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Plan for hospital bills and major medical costs.
9 plan types explained. This is an educational guide; the issued policy wording controls the actual cover.
Health insurance can cover eligible hospitalisation and treatment expenses, subject to waiting periods, room-rent limits, co-payments, network rules and exclusions in the policy wording.
Plan types
Choose a type to understand its purpose, usual structure and the wording you should check.
A separate sum insured for one covered person.
Often considered by
Anyone who wants cover that is not shared with family members.
One shared sum insured for eligible members of a family.
Often considered by
Couples and families comfortable sharing one cover pool.
Health cover designed for older entry ages and age-related medical needs.
Often considered by
Older adults and families arranging cover for parents.
A fixed benefit after diagnosis of a listed critical illness.
Often considered by
People seeking income support beyond hospital bill reimbursement.
Extra annual medical cover above an aggregate deductible.
Often considered by
People who already have base or employer health cover.
Extra cover above a deductible applied to each claim.
Often considered by
People seeking low-cost additional cover for large hospital bills.
Cover for specified maternity and newborn expenses after waiting periods.
Often considered by
Couples planning a family after considering the waiting period.
Fixed benefits for accidental death or specified disability.
Often considered by
Working adults, commuters and people with financial dependants.
Medical cover arranged under an employer or eligible group policy.
Often considered by
Employers and eligible organisations covering members or staff.
Before choosing
Check exactly which events are covered, the overall limit, sub-limits and deductibles.
Read what is not covered and when cover begins. Marketing summaries are not the contract.
Review claim notice rules, required evidence, cashless or reimbursement terms and grievance routes.
Keep the proposal form, benefit illustration where applicable, payment receipt and final policy schedule. Never rely only on a verbal promise.