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Dashboard / Insurance /Individual Health Insurance

Individual Health Insurance

Individual health insurance is an insurance plan that offers medical coverage to a person on an individual sum insured basis. It refers to the type of health insurance plan that needs to be purchased separately for each family member. It allows you to customize the coverage as per your own health needs and not of the entire family.

Most individual health insurance plans provide comprehensive coverage to an individual for emergency medical expenses resulting from hospitalization costs, day care procedures, road ambulance services, alternative treatment, organ donor expenses, etc. However, the premium and coverage of an individual health policy cannot be shared amongst your family members.

Solo Coverage

It ensures that the sum insured can be utilized only by you.

Suitable for Older People

It is more suitable for elderly people with greater health risks.

Sum Insured

It comes with a maximum sum insured of Rs 1 crore depending on the plan.

Multiple Claims

You can make multiple claims in a year as long as the sum insured is not exhausted.

Family Discount

Most individual health plans offer a family discount if more than two family members are covered on an individual basis.

Cumulative Bonus

It provides a discount on premium if you do not file a claim in the previous policy year.

Renewal for Life

The plan comes with lifetime renewability.

Tax Benefits

It offers tax savings on the paid premium under Section 80D of the Income Tax Act

Add-on Covers

It provides you with the option of buying add-on covers, such as critical illness cover, outpatient treatment benefit, restoration benefit, maternity benefit, etc.

Wider Coverage

Individual health insurance policies offer a wider coverage including in-patient hospitalization, pre and post-hospitalization expenses, daycare procedures, ambulance charges, etc.

Buy individual health insurance



What is Not Covered under Individual Health Insurance Plans?

Individual health insurance plans do not provide coverage for the following:

  • Dental treatment
  • Self-inflicted injuries
  • Dental treatment
  • Dental treatment
  • Infertility treatment
  • Cosmetic treatment
  • Injures due to participation in dangerous sports
  • Congenital external anomalies
  • HIV AIDS
  • Injuries or illness due to war or nuclear perils
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