1. Individual Health Insurance
Covers: Medical expenses for a single person.
Features:
- Hospitalization (inpatient) expenses
- Daycare procedures
- Doctor consultations (in some plans)
- Pre- and post-hospitalization
- Prescription medication
Best For: Single adults or freelancers without employer coverage.
2. Family Floater Health Insurance
Covers: Entire family under a single plan (e.g., parents, spouse, children).
Features:
- One sum insured shared by all members
- Covers same benefits as individual health insurance
- More cost-effective than separate policies
Example: A plan with MUR 1,000,000 coverage may be used by any member as needed.
Best For: Families looking for comprehensive, flexible coverage.
3. Group Health Insurance (Employer-Provided)
Covers: Employees of a company and sometimes their families.
Features:
- Basic hospitalization cover
- Optional maternity, dental, optical, or chronic illness riders
- Lower premium rates due to group enrollment
- Coverage valid only during employment
Best For: Employers offering benefits; employees who want affordable basic coverage.
4. Critical Illness Insurance
Covers: High-cost treatments for major life-threatening illnesses.
Examples of Covered Conditions:
- Cancer
- Stroke
- Heart attack
- Kidney failure
- Organ transplants
Features:
- Lump sum payout on diagnosis (not reimbursement)
- Can be used for treatment, recovery, or lifestyle adjustments
Best For: Individuals with family history of serious illness or looking for income replacement during long-term recovery.
5. Hospital Cash Insurance
Covers: Daily cash benefit during hospitalization.
Features:
- Fixed amount per day (e.g., MUR 1,000–5,000/day)
- Can be used for non-medical expenses (transport, food, etc.)
- Can be used with another health plan
Best For: Anyone wanting extra financial buffer during hospital stays.
6. Top-Up or Super Top-Up Health Insurance
Covers: Additional expenses beyond your base insurance limit.
How It Works:
- Has a deductible (amount you pay before it activates)
- Cheaper than increasing base sum insured
Example: You have a base cover of MUR 500,000. A top-up plan may cover expenses above that, up to MUR 1.5 million.
Best For: People with employer coverage who want extra protection at low cost.
7. Maternity Health Insurance
Covers: Pregnancy-related costs and newborn care.
Features:
- Pre-natal and post-natal care
- Delivery (normal or C-section)
- Newborn baby coverage for a limited period
- Often has a waiting period (9–36 months)
Best For: Young couples planning to start a family.
8. Personal Accident Insurance
Covers: Injury, disability, or death caused by accidents.
Features:
- Lump sum payout on permanent disability or death
- Covers hospital bills for accidental injuries
- Can include temporary total disability benefit (income replacement)
Best For: Motorists, laborers, business owners, or anyone exposed to physical risk.
9. Senior Citizen Health Insurance
Covers: Individuals typically aged 60 and above.
Features:
- Higher premiums due to increased risk
- Covers pre-existing conditions (after waiting period)
- May include domiciliary (home) care
Best For: Elderly individuals without employer or family coverage.
10. International Health Insurance
Covers: Medical treatment abroad or across multiple countries.
Features:
- Global network of hospitals
- Medical evacuation or repatriation
- Annual check-ups and wellness benefits
- Can be used for long-term expatriates or frequent travelers
Best For: Expats, international students, global workers, or retirees abroad.
📊 Summary Table
| Type of Insurance | Best For | Main Benefits |
|---|---|---|
| Individual Health Insurance | Singles, freelancers | Covers personal medical costs |
| Family Floater Insurance | Families | One plan covers all family members |
| Group Health Insurance | Employees and employers | Affordable basic cover, employer-sponsored |
| Critical Illness Insurance | High-risk individuals | Lump sum on diagnosis of major illness |
| Hospital Cash Insurance | Everyone | Daily cash for hospitalization expenses |
| Top-Up Insurance | People with base cover | Additional protection at low premium |
| Maternity Insurance | Couples | Covers pregnancy and newborn expenses |
| Personal Accident Insurance | Workers, drivers, self-employed | Accidental injury/death payout |
| Senior Citizen Insurance | Elderly (60+) | Tailored health plan for senior needs |
| International Health Insurance | Expats, international travelers | Global coverage, emergency evacuation |
✅ Choosing the Right Health Insurance in Mauritius
When selecting a health insurance policy:
- ✅ Consider if you need individual or family coverage
- ✅ Check network hospitals for cashless services
- ✅ Compare waiting periods, especially for pre-existing conditions
- ✅ Understand exclusions and limits on specific treatments
- ✅ Evaluate if you need critical illness or top-up based on your risks
Would you like help comparing actual health insurance providers in Mauritius or getting a sample policy document?