Buy Health Insurance for 25 Years Old
At 25, you're building your career and enjoying life. But even though health problems may seem far away, a sudden illness or accident can mess up your plans and pressure your finances.
The right health insurance plan protects you against unexpected medical costs and gives you peace of mind about your future. Find out the best plans for young adults and why you should consider getting health coverage at a younger age.
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I'm 25. Do I Really Need Health Insurance?
Yes, you must have health insurance at a young age. Many people don't need it at 25, but health problems or accidents can happen anytime. Insurance helps you handle sudden medical costs without stress and keeps your savings safe.Â
Premiums are also much lower, so you can lock in lower-cost coverage for the long term while young. You can also get preventive care, annual checkups, and wellness benefits from many policies that can help you stay healthy.
Why Buying Health Insurance Early is a Smart Move?
Here are the key reasons behind buying health insurance at a young age:
- Save More by Buying Insurance at a Young Age: Buying health insurance early lowers your premiums because insurance companies see less risk. By starting now, you will keep your costs manageable in the long run and build a strong financial safety plan.
- Get Approvals with Full Coverage: Younger, healthier customers face fewer medical examinations and restrictions. You start at an age young enough to gain full coverage versus exclusions that would later be experienced as you age.
- Add-ons Benefits: Many policies offer bonus coverage with strong premium payers. The sooner you start, the more you gain for later benefit.
- Protect yourself from an unexpected medical bill: Health emergencies happen, and insurance takes the stress of endless medical debt or draining your savings.
- Upgrade your coverage later without worries: Getting insurance young gives you more than peace of mind to increase your insured level later without paying greater premiums or having a heavy medical examination.
Buying health insurance at the age of 25 is one of the smartest financial decisions you can make. When you start early, you benefit from significantly lower premiums and lock them in for the long term. It also helps you complete waiting periods for pre-existing conditions well before you might need coverage.
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Today’s lifestyle is marked by stress, pollution, and irregular habits that puts even young adults at risk of health issues, making early protection crucial. A sudden medical emergency can drain your savings, but having health insurance ensures you have a financial safety net.
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Also, you can enjoy tax benefits under Section 80D, adding extra savings. 🙂
Vivek Chaturvedi
CMO & Head of Direct Sales
Is Employer Health Insurance Enough for You?
No, employer health insurance is not enough for you. Here's why:
- Limited coverage amount: Most employer plans offer coverage of only ₹2–5 lakh, which may not be enough for major treatments or hospital stays.
- Policy ends when you leave the job: The policy stops when you change jobs, quit, or retire. You lose protection exactly when you might need it the most.
- No full family coverage: Many employer policies don't cover your spouse, children, or parents, leaving them without health protection.
- Less flexibility: You cannot customise the plan with add-ons like maternity cover, critical illness, or room rent waiver.
- No control over renewal: The employer can change or remove the plan anytime. You have no say in the coverage or benefits.
- No lifelong protection: Employer health plans are short-term. A personal policy gives lifelong security as long as you pay the premium.
What's the Right Kind of Health Insurance at 25?
Here are the main tips for choosing the right health insurance at 25:
- Coverage Amount: A sum insured of ₹5–10 lakhs is generally sufficient at this age. You can utilise your insurance for hospitalisation, surgeries, accidents, or sudden illnesses without drastically impacting your savings. However, if you live in a metro, go for a higher amount since treatment is costlier.
- Room Rent and ICU Limits: Many plans limit their maximum room rent and their max ICU charges - if your plan has a limit, you are responsible for paying the difference yourself. Get a policy without limits, so you can pick up a hospital room and ensure no unexpected costs at the end of your stay.
- Daycare and OPD Benefits: Younger members may need smaller medical procedures like endoscopies, scans or minor surgeries where no hospital stay is required. A plan that provides coverage for daycare treatments and outpatient consults will lower costs for these typical situations.
- Co-payment Clause: Co-payment shares a percentage of the hospital bill with the insurance company. Check if there is a co-payment and choose a policy with no or minimal co-pay, especially if you are younger.
- Waiting Periods: Check the periods for pre-existing diseases, maternity, or specific treatments. Always better to have shorter waiting periods.Â
- Exclusions: Know what is not included in the policy. Some exclusions include cosmetic or dental procedures, pre-existing conditions during the waiting period, or inflicted injuries.
- Critical Illness Add-On: A critical illness rider provides a lump-sum payment if you are diagnosed with serious illnesses such as cancer, kidney failure, or heart disease, which can help cover costs beyond hospital bills.
- No Claim Bonus: If you don't have any claims in a policy year, your insurer gives you increased coverage without increasing your premium.Â
- Cashless Network Hospitals: Always check your city's insurer's hospital network. The wider the cashless network, the easier it will be for you.Â
- Lifetime Renewability: Health issues tend to rise with age, and getting a new plan later may require medical tests or come with exclusions. A plan with lifetime renewability ensures you stay covered for life with the same benefits.
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Why Choose Health Insurance for 25 Years with Digit?
Key Benefits of Health Insurance for 25 Years Old by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:
*Â These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal
What’s Covered in the Health Insurance for 25 Years Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Digit Special
Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
What’s Not Covered under Health Insurance for 25 Years Old Plans?
Pre-Natal & Post-Natal Expenses
Pre-natal and post-natal medical expenses are not covered unless they lead to hospitalisation.
PED Before Waiting Period
A claim for a pre-existing disease or illness cannot be made until the specified waiting period is over.
Hospitalisation without Doctor’s Recommendation
Hospitalisation for any condition that doesn’t match the doctor’s prescription is not covered.
Health Insurance Add-on Options with Digit
Enhance your health insurance policy with add-ons at Digit. These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal. Here’s a list of add-ons available that provide additional layers of protection beyond the basic coverage of your policy:
Consumable Cover
Pay 10% extra premium and we will also cover your non-medical expenses once your base claim is approved.
Pre-existing Disease/Specific Disease/Initial Waiting Period Modification
You can reduce your pre-existing disease waiting period to up to 2 years.
Network Hospital Discount
Opt for treatment at one of our network hospitals and receive a 10% discount on your premium with this add-on cover. However, a co-payment will be applicable if you get hospitalised in a non-network hospital.
How to Buy Health Insurance Policy for Younger People with Digit?
Buying health insurance online is simple and hassle-free. If you're planning to purchase a policy from Digit, here’s a step-by-step guide to help you through the process:
Enter Basic Details
Visit the Digit app or website. Enter your PIN code and mobile number, select your preferred health insurance plan and provide age details, family members covered, etc.
Choose Plan & Add Member Details
Compare & select the plan, sum insured, add-on covers and apply any available discounts to get the final premium amount. Further provide the member details for everyone you’re covering.
Make Payment & Submit KYC
Once done, proceed to make the premium payment and submit your KYC documents to complete the purchase process.
Final Review & Processing
Now, your application undergoes a brief review process. Digit may request a health declaration, lifestyle information, or medical details & reports if required. Now, based on your medical underwriting, your policy will be issued and sent to your email. You can also access it anytime through the Digit app.
Documents Required to Buy Health Insurance for 25 Years Online
When purchasing a health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:
Identity/Age Proof
✔ Aadhaar CardÂ
✔ PAN Card
 ✔ Passport
 ✔ Voter ID
 ✔ Driving License
✔ Birth Certificate
Address Proof
✔ Passport
✔ Utility Bills (Electricity, Water, Gas – recent)
✔ Rental Agreement
Income Proof
✔ Income Tax Returns (ITR)
✔ Form 16
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
Important Things to Know About Health Insurance
How Much Does Health Insurance Premium Cost for a 25-Year-Old in India?
Buying health insurance at 25 age is one of the smartest financial decisions you can make early in life. Premiums are generally lower when you’re young, and you can secure a higher sum insured at an affordable cost.Â
For example, if you’re a 25-year-old living in Bangalore and choose Digit’s Infinity Wallet Plan, here’s how the premium changes based on the coverage amount you select:
Disclaimer: The premium amounts shown above are indicative and based on publicly available data for Digit’s Infinity Wallet Plan. Actual premiums may vary depending on factors such as age, location, medical history, family members covered, lifestyle habits, and selected add-ons.
Tax Benefits of Health Insurance for Young People
Here are the tax benefits of health insurance for young people:
- You can claim up to ₹25,000 for the premiums paid on the health insurance of yourself, your spouse, and your dependent children.
- If you also contribute to your parents' health insurance, you can claim another ₹25,000. If your parent is a senior citizen, that limit becomes ₹50,000.
- You can claim an additional ₹5,000 for preventive health check-up expenses within the ₹80D limit.
- If you are supporting a senior citizen parent, you can combine both the deductions - ₹25,000 for yourself and ₹50,000 for your parents for a total of ₹75,000 per year.
Read More about Health Insurance Tips
FAQs About Health Insurance for 25-Year-Olds
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.