OUTLINE

Individual medical insurance, also known as individual health insurance or personal health insurance, is a type of insurance policy that provides medical coverage for an individual or their family members. Unlike group health insurance offered through employers or organizations, individual medical insurance is purchased directly by individuals from insurance companies or through government health insurance exchanges.

DETAILS AND BENEFITS

Under an individual medical insurance policy, the insured pays a regular premium to the insurance provider in exchange for coverage. Depending on the plan, the policy typically covers various medical services and treatments, including hospitalization, doctor visits, prescription medications, preventive care, and sometimes dental and vision services.

NB:

When choosing an individual medical insurance plan, individuals should carefully review the coverage options, premium costs, deductibles, copayments, and other terms to ensure the plan meets their healthcare needs and budget. Additionally, individuals should consider any pre-existing conditions, as individual health insurance plans may have limitations or waiting periods for coverage related to those conditions.

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