Health insurance provides financial protection by covering medical expenses for individuals and groups. It helps policyholders manage healthcare costs, including doctor visits, hospital stays, medications, and surgeries.

Types of Health Insurance Policies

1. Individual Health Insurance

• Purchased by individuals to cover personal healthcare
• Can include coverage for doctor visits, hospital stays, prescriptions, and preventive

2.  Family Health Insurance

• Covers the policyholder, spouse, and children under one
• More cost-effective than buying separate policies for each family

3.  Group Health Insurance

• Offered by employers to employees and sometimes their
• More affordable since the employer usually pays a portion of the

4.  Critical Illness Insurance

• Provides a lump sum payment if diagnosed with serious illnesses like cancer, heart disease, or
• Helps cover medical treatments and other financial

5.  Hospitalization Insurance

• Covers hospital stays, surgeries, and associated medical
• May have limits on room charges and duration of

6.  Maternity & Newborn Coverage

• Covers pregnancy-related expenses, childbirth, and postnatal
• Some plans also cover newborn medical

7.  Senior Citizen Health Insurance

• Designed for older adults, covering age-related illnesses and chronic
• Usually includes higher premiums due to increased medical

8.  International Health Insurance

• Provides coverage for people who travel frequently or live
• Covers medical emergencies, hospitalizations, and sometimes routine