Was this policy purchased as a self-employed health insurance plan?

I am self-employed and had to buy my own health insurance to cover my diabetes tests and doctor visits. You can easily check if your policy is a retail individual plan or a corporate one by reading the first page of your policy schedule.

Whether a policy was purchased as self-employed or individual depends entirely on what you declared during the application. It is best to check with your insurance agent or call the helpline to verify your status. Also, for any health-related claims, keeping doctor prescriptions ready is always the best practice.

I am not completely sure about your specific policy, but when I bought insurance for my PCOS treatments, I had to clarify my self-employment status to the agent. Maybe check your email confirmation or receipt? They usually mention the plan type clearly there.

If you bought it yourself directly from the company website without a corporate group id, then yes, it is treated as an individual/self-employed plan. Make sure you keep your premium receipts safe for claiming your 80D tax benefits. I've been doing this for ten years now.