Health Insurance: Types of plans

Health Insurance comes in several forms. Understanding the differences helps you choose the structure that fits your life stage and budget.

Type	What it means
Individual plan	One person, one sum insured. Best when members have different health profiles or you want each person to have a full cover amount.
Family floater	One sum insured shared by the whole family. Usually cheaper than separate policies; works well for young families.
Senior citizen plan	Designed for people aged 60 and above, often with a co-pay and longer waiting periods for pre-existing conditions.
Critical illness plan	Pays a fixed lump sum on diagnosis of listed illnesses such as cancer, heart attack or stroke, regardless of the hospital bill.
Super top-up / top-up	Kicks in after a deductible is crossed. A cost-efficient way to raise your total cover on top of a base plan.
Maternity-linked plan	Covers delivery and newborn expenses after a waiting period that is often two to four years.
Hospital cash plan	Pays a fixed daily amount for each day in hospital to cover non-medical costs.

Not sure which suits you? Take our two-minute needs quiz or talk to us.