Individual health insurance
A health policy with its own sum insured for one person, covering hospitalisation, day-care treatment and the costs around it, cashless at network hospitals or by reimbursement.
What it covers
Cover varies between insurers and plans. The policy wording is what decides whether a claim is payable, so read it before you buy.
- In-patient hospitalisation: room, nursing, doctors' fees, medicines, tests and procedures
- Pre-hospitalisation and post-hospitalisation expenses for the periods the policy allows
- Day-care procedures that no longer need a 24-hour stay
- Intensive care treatment, subject to any limits in the wording
- Ambulance charges up to the policy limit
- AYUSH treatment in a recognised hospital, where the plan includes it
Key features
- Sum insured of [SUM INSURED RANGE], chosen at purchase and revisable at renewal
- Cashless treatment at the insurer's network hospitals: [NETWORK HOSPITALS]
- Waiting periods apply to pre-existing conditions and some named treatments: [WAITING PERIOD]
- Lifelong renewability, as Indian health policies provide, subject to the policy terms
- Optional restoration of the sum insured, no-claim bonus and wellness benefits, depending on the plan
- A free-look period after purchase to read the wording and cancel: [FREE-LOOK PERIOD]
How to buy it
Four steps, with an advisor you can reach at any of them.
Tell us what to cover
Tell us who is to be insured, their age and city, and the sum insured you have in mind.
Compare plans
See premium, cover, exclusions and key terms from our partner insurers side by side.
Share details & KYC
Add the details the insurer needs and complete KYC with your PAN.
Get your policy
Pay online, the policy reaches your email, and your advisor stays with you at claim time.
Individual health insurance: FAQs
Individual policy or family floater: which should I take?
An individual policy gives each person their own sum insured; a floater shares one sum insured across the family. A floater often costs less for a young family, while separate individual policies suit families where a member is older or has a known condition.
What is a pre-existing disease, and how is it treated?
Any condition diagnosed or treated before the policy started. Insurers cover it after a waiting period of [WAITING PERIOD], and it must be declared honestly in the proposal, or a claim can be declined.
What does cashless treatment mean?
At a hospital in your insurer's network, the insurer settles the approved bill directly with the hospital. You pay only the deductions, such as non-medical items, any co-payment, and anything above your sum insured.
Can I increase my sum insured later?
Yes, at renewal and subject to the insurer's underwriting. A fresh waiting period can apply to the increased portion, so an increase is best planned before it is needed.
Does health insurance give a tax benefit?
Premiums can qualify for deduction under the Income Tax Act. The benefit depends on your tax regime and on the tax law in force, so please check with your tax advisor.