At first glance, the term individual health insurance appears to suggest that they are just for single or divorced individuals and not for families. When you look into it more closely, you will discover that they also cover you, your wife and any children and not just you alone. In reality, this description is meant to separate this class of insurance from group policies that cover members of a company, association or organization with a sizeable enrollment.

Most people would prefer to be members of a group plan just by virtue of the fact that premium costs are lower. But for many, this is not a viable option. In this case, it is still vital for you to obtain coverage and you may be pleased to know that there is a variety of affordable individual plans available for individuals and families. These plans are referred to as either ‘indemnity’ or ‘managed care’ plans, the primary difference being the choice of health care providers, out-of-pocket costs and premium payments.

Indemnity plans generally offer a broader selection of providers because their covered services are paid only after they are billed. In this instance, you might have to pay the provider up front and then seek reimbursement from the insurance company. Managed care plans, on the other hand, come in several different types including HMO, PPO and POS plans. These plans typically use networks of health care providers. The individual providers within a network will perform services for patients at agreed upon rates and will submit the claim to the insurance company directly, so you don’t have to pay up front. On the bottom line, this means less paperwork and lower out-of-pocket costs for you with a managed care plan.

HMO or Health Maintenance Organization plans work in many different ways, but typically provide lower out-of-pocket expenses. Unfortunately, they also offer less flexibility in your choice of doctors or hospitals. You must select a primary care physician with an HMO and ask him for a referral if you need a specialist. With a PPO, or Preferred Provider Organization, you’ll be expected to utilize the insurance company’s providers who are contracted to provide services at a lower rate. You won’t need a primary care physician but you can choose doctors within the company’s network.

A discussion with a professional insurance agent will help clarify these in more detail and help you choose the best individual health insurance plan for you and your family.

Have you ever thought that your health problems can be identified, diagnosed and treated before it is too late if you go to a yearly medical control?

Do you have whom to call if you or somebody in your family needs medical advice or emergency medical transport?
Can you contact immediately a doctor if you have a health problem?
Which would be your state of mind if you knew that you were going to be operated by highly professionals and you benefit from advanced technology equipment and high quality medical services?

Individual Health Insurance is the solution for all your questions above.

Individual Health Insurance Plans

Our company takes care of your health and it offers you two plans:
A basic plan can cover:
• A number of consultations performed by professional doctors who collaborate with Individual Health Insurance network;
• All medical procedures;
• All diagnostic examinations;
• A preventive yearly control;
• All hospitalization expenses as well as those related to surgical operations in special hospitals;
• Emergency medical transportation several times a year;
• Unlimited access to information related to Individual Health Insurance provided by our experts;
• Access to all the suppliers and to all medical areas of expertise within our network
If you ask us, we can tell you the superior limit of the financial covering we offer for every year.

A full plan can cover:
• Unlimited number of consultations performed by professional doctors who collaborate with Individual Health Insurance network
• All medical procedures;
• All diagnostic examinations
• Several visits to your place;
• Several medical visits in order to listen to a second medical opinion concerning a surgical operation;
• Up to 70% from the cost of a major surgical operation abroad;
• All hospitalization expenses and surgical operations in our clinics and hospitals;
• Unlimited emergency transport;
• Travel medical insurance;
• Unlimited access to information related to Individual Health Insurance provided by our experts;
• Access to all the suppliers and to all medical areas of expertise within our network
So you are welcome on our site and you can be sure that we offer you the best care for your health and for the health of your family. We can offer you financial support when an unexpected event arises. We can offer you all the details you need of us, and our precious services and you can benefit from more you have ever imagined.