For You

Individual Health & Life

Trusted Protection for Life's Uncertainties. Let us help you explore individual or family medical plans, including Medicare options, to choose the right plan at the right price. With our commitment to reliability and security, we're your trusted partner through all of life's twists and turns.

What We Do

You can trust us to cover you in sickness and in health, in life and in death

Your health and well-being are priceless, and we understand the importance of having the right
insurance coverage to protect you and your loved ones. At SIA Group, we are committed to offering personalized insurance solutions that prioritize your unique needs.

How we do it

Coverage You Can Rely On, Today and Tomorrow

Our comprehensive health insurance coverage offers access to a network of top-notch healthcare providers, including medical expenses, prescription medications, preventive care, and more. We understand the importance of protecting your loved ones' financial security, which is why our life insurance policies provide a safety net in the event of your passing. Whether you choose term or permanent coverage, our policies ensure that your family's future is safeguarded, covering expenses such as funeral costs, outstanding debts, and everyday living expenses. Trust us to provide the tailored coverage you need for your well-being and the wellbeing of your loved ones.

Explore our other Solutions below

Protect what matters most. Contact us today to explore your options and discover the peace of mind that comes from having the right coverage in place.

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Personal Insurance

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Commercial Lines

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Employee Benefits

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Individual /Family Health Insurance

A cheerful doctor and an elderly patient share a warm moment in a medical office. The doctor, dressed in a white coat with a stethoscope, is laughing and holding the patient's hands, who is smiling broadly in response, creating a friendly and supportive atmosphere.

Medicare

Life

Dental

Vision

FAQs

For more detailed FAQs, check out our Learning Center!

Learning Center

What is individual health insurance, and how does it work?

Individual health insurance is a type of health coverage purchased by an individual or a family directly from an insurance provider. It is not tied to employment or group plans. Individual health insurance provides medical coverage for a variety of healthcare services, including doctor visits, hospitalizations, prescription medications, preventive care, and more. Policyholders pay monthly premiums, and in return, the insurance company covers a portion of the medical expenses according to the terms and conditions of the policy.

What does individual health insurance typically cover?

Individual health insurance plans vary in terms of coverage, but they generally include essential health benefits mandated by the Affordable Care Act (ACA). These essential health benefits usually encompass preventive services, hospitalization, outpatient care, prescription drugs, maternity and newborn care, mental health services, and more. It's important to review the policy details and understand the coverage limits, copayments, deductibles, and other specific terms before purchasing a plan.

What is individual life insurance, and why do I need it?

Individual life insurance is a policy purchased to provide financial protection to your beneficiaries in the event of your death. There are two primary types of individual life insurance: term life insurance and permanent life insurance. Term life insurance offers coverage for a specific term (e.g., 10, 20, or 30 years) and pays out a death benefit if you pass away during that period. Permanent life insurance, such as whole life or universal life, covers you for your entire life and often includes a cash value component that grows over time. Life insurance is crucial if you have dependents who rely on your income, as it can help replace lost income and cover various expenses after you're gone.

How are life insurance premiums determined?

Life insurance premiums are determined based on several factors, including your age, health status, lifestyle, occupation, and the type and amount of coverage you choose. Younger and healthier individuals generally pay lower premiums since they are considered lower risk to the insurance company. On the other hand, older individuals or those with pre-existing health conditions may face higher premiums. When applying for life insurance, you'll typically undergo a medical underwriting process, which involves a health questionnaire and sometimes a medical exam to assess your risk level.