സ്വയം തൊഴിൽ ചെയ്യുന്ന വ്യക്തികൾക്കുള്ള ഹെൽത്ത് ഇൻഷുറൻസ്: നിങ്ങൾ അറിയേണ്ടത്

Health insurance is a type of insurance plan that covers medical expenses incurred by an individual or a group of people. As a self-employed individual, it is important to have health insurance, as you do not have access to employer-sponsored health insurance plans.

Having health insurance can protect you and your family from unexpected medical expenses that can be financially devastating. In addition to providing financial protection, they also help you save on taxes. In this article, we will discuss everything you need to know about health insurance for self-employed individuals in India.

Why Do Self-Employed Individuals Need a Health Insurance Plan? 

നികുതി ആനുകൂല്യം

Health insurance for the self-employed is a financial safeguard during medical emergencies. At the same time, health insurance premiums are tax-deductible, up to a certain limit, as per the Income Tax Act 1961. **

സാമ്പത്തിക സംരക്ഷണം

Health insurance ensures financial protection in the event of a medical emergency. It provides cashless treatment, which means a self-employed person does not have to pay upfront in the hospital before treatment.

സേവിംഗ്സ്

Self-employed individuals can save up to 60% on the total amount that they would otherwise need to pay out of pocket.

Coverage of Pre-existing Conditions

Health insurance policies usually cover pre-existing conditions such as diabetes or hypertension, once the waiting period ends. *

Financial Support When Self-Employed Individuals Are Unwell

Health insurance policies ensure that self-employed individuals continue to receive financial support even when they are unwell or incapacitated.

ഒപ്പം വായിക്കുക: ഹെൽത്ത് ഇൻഷുറൻസിലെ റൈഡറും ആഡ്-ഓൺ പരിരക്ഷകളും തമ്മിലുള്ള വ്യത്യാസം

What are the Types of Health Insurance Plans Available for Self-Employed Individuals?

There are different types of medical insurance plans available in India that cater to the needs of self-employed individuals. These include:

1. Individual Health Insurance

2. Family Floater Plans

3. Group Health Insurance

What are the Coverage Benefits of Health Insurance for the Self-Employed?

You might be thinking: What does health insurance for self-employed individuals cover?

1. Hospital Stays and Day Care Treatments

Health insurance for the self-employed covers the costs of hospital stays and treatment, including room and ambulance charges, that you choose. Medical insurance India plans also cover surgeries and medical procedures that don’t need overnight admission, like cataract or chemotherapy.

2. Costs Before and After Hospitalisation

You get coverage for doctor visits, tests, and medicines up to 60 days before admission. After discharge, your medical insurance India plans handle follow-up costs for up to 90 days, based on your policy rules.

3. Organ Donor Medical Bills

If you need an organ transplant, the health insurance for the self-employed pays for the donor’s hospital bills during organ removal. This applies only when you are receiving the donated organ.

5. Maternity and newborn care

Select a health insurance for the self-employed that pays for delivery costs, whether normal or C-section. They also cover treatment for your newborn baby right after birth, as listed in your policy.

4. AYUSH Treatment Cover

Health insurance for the self-employed covers Ayurveda, Yoga, Unani, Siddha, and Homoeopathy treatments. A doctor must advise the treatment for an illness or injury to claim this benefit.

Choose ഇൻഡിവിജ്വൽ ഹെല്‍ത്ത് ഇൻഷുറൻസ് പ്ലാനുകള്‍ from Bajaj General Insurance and access more than 18,400 network hospitals across India for cashless treatments during medical emergencies.

ഒപ്പം വായിക്കുക: 2026 ലെ പുതിയ IRDAI ഹെൽത്ത് ഇൻഷുറൻസ് മാർഗ്ഗനിർദ്ദേശങ്ങൾ

What are the Exclusions of Health Insurance for the Self-Employed?

Tests Without Treatment

Health insurance for the self-employed does not cover scans or check-ups done only for diagnosis if you are not getting active treatment.

Over-the-Counter Supplements

You must pay for vitamins, minerals, or health supplements yourself if a doctor did not prescribe them.

Beauty Procedures

Medical insurance India plans will not cover cosmetic surgery unless you need it after an accident, burn, or for medical reconstruction.

Risky Behaviour Injuries

Health insurance for the self-employed excludes medical bills from self-harm, drinking, illegal acts, or dangerous sports and activities.

Remember, your insurer will not pay for any pre-existing condition, such as diabetes, asthma, thyroid, or other existing health issues, for 36 months after you buy your health insurance policy.

How to Choose the Right Health Insurance Plan as a Self-Employed?

Choosing the right health insurance plan can be a daunting task, but it is important to select a plan that meets your requirements. Here are some factors to consider when selecting a plan:

കവറേജ്

Coverage refers to the amount of financial protection offered by your health insurance plan. It is important to choose a health insurance plan with a high coverage limit, as this will ensure that any possible medical bills are covered. It is also important to choose a plan that covers hospitalisation expenses, pre-existing medical conditions, emergency costs, regular health check-ups, medicines, and medical supplies. *

പ്രീമിയംസ്

Premium is the amount that you need to pay in order to get coverage under a medical insurance plan. Premiums can vary depending on the coverage limits, type of policy, and region. Therefore, it is important to compare quotes from different health insurance companies before making a decision. *

ഹോസ്‌പിറ്റലുകളുടെ നെറ്റ്‌വർക്ക്

This is important to consider when selecting a health insurance plan, as it will determine which hospitals the plan covers. Many plans allow you to visit any hospital, while others have a list of hospitals that they cover. *

ആനുകൂല്യങ്ങൾ

Different online health insurance plans offer different benefits. It is important to compare plans to determine which plan offers the most beneficial coverage. Common benefits include coverage of doctor’s visits, medicine and medical supplies, preventive care, and sometimes even alternative treatments. *

ക്ലെയിം സെറ്റിൽമെന്‍റ്

It is important to understand how a health insurance company handles claims settlement. Different companies have different policies and procedures. So, it is important to be aware of the claims settlement process before making a purchase decision.

നേരത്തെ നിലവിലുള്ള രോഗങ്ങള്‍

Many health insurance plans exclude coverage for pre-existing diseases, so it is important to check if the plan covers them before signing up.

ഒപ്പം വായിക്കുക: ഇന്ത്യയിലെ മെറ്റേണിറ്റി ചെലവുകൾക്കുള്ള ഹെൽത്ത് ഇൻഷുറൻസ് കവറേജ്

ഉപസംഹാരം

By properly managing health insurance, self-employed individuals can minimise the financial impact of unforeseen medical emergencies.

It is important to consider a variety of health insurance plans, make sure pre-existing conditions are covered and make sure the plan fits your needs and budget. Doing so will ensure that the individual is fully prepared in the event of an unexpected medical emergency.

* സാധാരണ ടി&സി ബാധകം ** ടാക്സ് ബെനിഫിറ്റുകൾ നിലവിലുള്ള ടാക്സ് നിയമങ്ങളിലെ മാറ്റത്തിന് വിധേയമാണ്. ഇൻഷുറൻസ് പ്രേരണാ വിഷയമാണ്. ആനുകൂല്യങ്ങൾ, ഒഴിവാക്കലുകൾ, പരിധികൾ, നിബന്ധനകൾ, വ്യവസ്ഥകൾ എന്നിവയെക്കുറിച്ചുള്ള കൂടുതൽ വിവരങ്ങൾക്ക്, വിൽപ്പന പൂർത്തിയാക്കുന്നതിന് മുമ്പ് ദയവായി സെയിൽസ് ബ്രോഷർ/പോളിസി നിബന്ധനകൾ ശ്രദ്ധാപൂർവ്വം വായിക്കുക.

പതിവ് ചോദ്യങ്ങള്‍

How to file a claim for health insurance for self-employed individuals?

Every self-employed person needs to inform their insurer about planned treatment or emergency hospitalisation within 24 to 48 hours. Submit necessary documents such as the claim form, investigation reports, medical bills, and hospital discharge summary. The insurer will verify the documents and approve your claim.

Can I get critical illness coverage under a health insurance plan for self-employed persons?

No, health insurance for self-employed individuals does not cover critical illnesses. You need to purchase additional coverage to get payouts for critical illness treatments.

Do health insurance plans for self-employed individuals include a waiting period?

Yes, all health insurance plans for self-employed individuals come with an initial waiting period. They may also have a waiting period for any pre-existing conditions. However, during the initial waiting period, you cannot claim for any illness or treatment.

നിരാകരണം: ഈ പേജിലെ ഉള്ളടക്കം പൊതുവായതും വിവരദായകവും വിശദീകരണവുമായ ആവശ്യങ്ങൾക്കായി മാത്രം പങ്കിടുന്നതുമാണ്. ഇത് ഇൻ്റർനെറ്റിലെ നിരവധി സെക്കന്‍ററി സ്രോതസ്സുകളെ അടിസ്ഥാനമാക്കിയുള്ളതും മാറ്റങ്ങൾക്ക് വിധേയവുമാണ്. ബന്ധപ്പെട്ട തീരുമാനങ്ങൾ എടുക്കുന്നതിന് മുമ്പ് ദയവായി ഒരു വിദഗ്ധനെ ബന്ധപ്പെടുക.

ഇൻഷുറൻസ് പ്രേരണാ വിഷയമാണ്. ആനുകൂല്യങ്ങൾ, ഒഴിവാക്കലുകൾ, പരിധികൾ, നിബന്ധനകൾ, വ്യവസ്ഥകൾ എന്നിവയെക്കുറിച്ചുള്ള കൂടുതൽ വിവരങ്ങൾക്ക്, വിൽപ്പന പൂർത്തിയാക്കുന്നതിന് മുമ്പ് ദയവായി സെയിൽസ് ബ്രോഷർ/പോളിസി നിബന്ധനകൾ ശ്രദ്ധാപൂർവ്വം വായിക്കുക.