The insured individual or family
The individual and any eligible family members included in the plan.
People & wellbeing
Individual Medical
Shape personal healthcare protection around individual and family needs.
Individual Medical addresses eligible medical expenses for an individual or family under the selected plan and provider network.
Introduction
What is Individual Medical?
Individual Medical is commonly considered by individuals, families, executives and business owners requiring personal medical protection. It can address eligible medical expenses for an individual or family under the selected plan and provider network.
What it protects
What can the policy protect?
Individual Medical should define who is insured, the healthcare benefits selected and where treatment can be accessed.
Coverage area
The geographic area in which covered treatment can be accessed.
Medical benefits
Inpatient, outpatient and other selected healthcare benefits.
Provider access
The hospital network, cashless arrangements and claims process available under the plan.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Hospital admission
The insured person requires covered inpatient treatment.
Medical treatment
The insured person requires covered outpatient or other selected medical treatment.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Hotels & Hospitality
For public-facing operations where premises, people, service continuity and reputation all matter.
Garment & Textiles
For labour-intensive production, valuable stock and delivery commitments across local and export markets.
Retail
For multi-location businesses managing stock, customers, payments, people and digital operations.
Independent employee benefits review
Review Individual Medical with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.