Comparison of benefits of group health insurance vs individual health insurance. It explains the different clauses that are generally put in the individual health insurance, but can be customized in group health insurance

1. Benefits comparison of Individual Health
Insurance vs Group Health Insurance
Benefits offered Group Health Insurance Individual Health Insurance
Pre-existing diseases From Day 1 After 4 years
covered
Ability to make claim in first Yes Only emergency cases
30 days
Waiting period for select Waived – Covered from day Covered after 1, 2, 3, 4 years
diseases 1
Maternity benefits Offered from Day 1 Generally not offered. Claim
possible after 3-4 years,
when offered
Medical check-up before Not required Required for age over 45
enrollment
Co-pay for people above 60 Not required Mostly required
Relationship manager Yes No