The Christi Group can help you with all of your individual health insurance needs.

With years of industry expertise and an unwavering dedication to my clients' well-being, we are here to help you take the guesswork out of insurance.

Let’s build your 360-degree, custom-tailored plan—designed to deliver first-class coverage you can count on.

We offer a wide range of individualized insurance solutions to meet your unique needs, including:
• Transitioning from an employer-sponsored insurance plan
• Securing supplemental coverage to fill important gaps
• Finding affordable options if your company lacks benefits

Whether you're navigating a change or simply looking for better coverage, we are ready to provide the guidance and solutions you deserve.

Let’s protect what matters—together.

What is Individual Health Insurance?
An individual health insurance plan 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.

Usually, the premium rate is determined by the policyholder's age, gender, medical history, and a variety of other factors. With such plans, you can get a more comprehensive coverage that is tailored to your specific needs and health conditions. Moreover, add-ons can be purchased to expand the coverage of the individual health insurance plan.

You can purchase an individual health insurance policy for each member of your family separately. If you have a family member who requires additional health coverage and there is a potential that his or her medical bills will exceed your budget, it is always a good idea to purchase an individual health insurance policy for them. It will be more helpful from both a financial and health standpoint if you do so.

It is in your best interest to get an individual health insurance policy after learning and comprehending the benefits, exclusions and inclusions. It is vital to understand what your health insurance policy covers, but it is also critical to understand what it doesn't cover. Simultaneously, examine the terms and conditions listed in the policy wording carefully before selecting the coverage for the individual health insurance.

Individual Health Insurance: Key Things to Keep in Mind
Purchasing an individual health insurance policy is a major decision—not one to make impulsively. To find a policy that truly meets your needs, it’s essential to understand your personal health requirements and how coverage works.


BELOW ARE THE MOST IMPORTANT FACTORS TO CONSIDER BEFORE YOU BUY:

Coverage Amount
• This is the sum insured, or the maximum your policy will pay out.
• A higher coverage amount provides broader financial protection, but it also comes with higher premiums.
• Choose a sum that balances your healthcare needs and budget.

Network Hospitals
• Insurers partner with hospitals to offer cashless claim services.
• To use the cashless facility, you must get treated at a network hospital.
• If you choose a non-network hospital, you’ll need to pay upfront and seek reimbursement later.
• Always check the list of network hospitals in your area before finalizing a plan.

Waiting Period
• Many policies have a waiting period for pre-existing conditions or specific treatments (e.g., maternity, surgery).
• Claims related to these conditions are only allowed after the waiting period ends.
• Be aware of these timelines to avoid surprises when seeking coverage.

Exclusions
• Every policy includes exclusions—specific scenarios or conditions not covered.
• Common exclusions might include cosmetic procedures, dental care, or alternative therapies.
• Review these carefully to ensure you’re not caught off guard when making a claim.

Final Tip:
Let the Christi Group help you do your research, compare multiple plans, and read the fine print. The right policy is one that offers comprehensive coverage, clear terms, and peace of mind.