What is Individual Health Insurance?

Individual health insurance is a type of health insurance policy purchased by an individual to cover medical and healthcare expenses. Unlike group health insurance (which is provided by an employer or organization), individual health insurance is bought directly by a person for themselves or their family members.

The policy helps cover costs related to hospitalization, surgeries, doctor consultations, diagnostic tests, pre- and post-hospitalization care, and sometimes daycare procedures, depending on the plan selected.

Key Features of Individual Health Insurance

  • The coverage is tailored to a single person (or family, if it's a family floater plan).
  • The sum insured applies to each insured individual separately.
  • Premiums depend on age, medical history, sum insured, and chosen add-ons.
  • It offers tax benefits under Section 80D of the Income Tax Act (India).

Individual Health Insurance

Covers hospitalization and medical expenses of an individual.

  • Covers Ayurveda, Homeopathy, Unani, Siddha
  • Covers childbirth and newborn expenses
  • Covers outpatient visits and consultations
  • Expenses before and after hospitalization (e.g., tests)

Add-ons

  • AYUSH Treatment
  • Maternity Cover
  • OPD Cover
  • Pre/Post-Hospitalization

Benefits

  • Wider treatment options
  • Family planning coverage
  • Includes non-hospital expenses
  • Complete medical cost coverage

Benefits of Individual Health Insurance

Personalized Coverage

Tailored health coverage designed specifically for individual needs with flexible sum insured and add-on options.

AYUSH Treatment

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments for holistic healthcare and traditional medicine.

Maternity Benefits

Comprehensive coverage for pregnancy, childbirth, and newborn care including pre and post-natal expenses.

OPD Coverage

Coverage for outpatient department expenses including doctor consultations, medicines, and diagnostic tests.

Tax Benefits

Tax deductions under Section 80D of Income Tax Act, helping you save money while securing your health.

Financial Security

Comprehensive protection against high medical costs, ensuring access to quality healthcare without financial burden.

Why You Need Individual Health Insurance?

Individual health insurance is essential for protecting yourself from high medical costs and ensuring access to quality healthcare. Here's why having comprehensive individual health insurance is crucial:

Personal Protection

Tailored coverage for individual needs with comprehensive protection for hospitalization, treatments, and healthcare expenses.

Financial Security

Protects your savings from high medical costs, ensures access to quality healthcare, and covers critical illness expenses.

Peace of Mind

Live with confidence knowing you're protected with comprehensive health coverage and quality medical care.

Individual Health Insurance Coverage Include

Hospitalization Coverage

Comprehensive coverage for room rent, nursing charges, doctor fees, and all medical expenses during hospitalization.

Pre & Post Hospitalization

Coverage for medical expenses before and after hospitalization including diagnostic tests and follow-up treatments.

AYUSH Treatment

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments for holistic healthcare.

Maternity Coverage

Comprehensive coverage for pregnancy, childbirth, and newborn care including pre and post-natal expenses.

OPD Coverage

Coverage for outpatient department expenses including doctor consultations, medicines, and diagnostic tests.

Emergency Services

Coverage for emergency ambulance services and transportation costs during medical emergencies.

Individual Health Insurance Add-ons

AYUSH Treatment

Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments for holistic healthcare.

Maternity Cover

Comprehensive coverage for pregnancy, childbirth, and newborn care including pre and post-natal expenses.

OPD Cover

Coverage for outpatient department expenses including doctor consultations, medicines, and diagnostic tests.

Pre/Post-Hospitalization

Extended coverage for medical expenses before and after hospitalization including diagnostic tests and follow-up treatments.

How to Buy/Renew Individual Health Insurance Online?

The process of buying or renewing a Individual Health Insurance online is quite simple and easy. Here’s how you can easily do it for your four-wheeler with us.

01

Fill Your Car Details

Add family members you want to insure and enter your full name and phone number then insurance price offered by top insurance providers in India.

02

Compare Individual Health Insurance Quotes

Select the plan which fits your budget & requirements best, out of all the available car insurance plans.

03

Make Payment Online

Select the plan which fits your budget & requirements best, out of all the available car insurance plans.