As the name suggests, individual health insurance is meant for personal benefit. There are various insurance policies that cover individual health insurance. It covers the fee charged by doctors for non surgical care after their surgeries, in a hospital, or in the patient’s home. It also covers the cost of x-rays and laboratory and diagnostic tests for a policyholder who is not hospitalized. There are other options that pay enormous cost resulting from a serious illness or accident. Many policies pay only 80% of the expenses covered by the policy. The policyholder has to pay the balance.

In addition, almost all major medical policies are detectable for excess amount for which the policyholder is liable. The insurer pays any excess up to the amount specified by the policy. Policies that cover service benefit are also common nowadays. Service benefits are a direct payment to the hospital or doctor that provided the medical care.