Individual Health Insurance
A cover that's entirely yours — never shared, never diluted.
An individual health plan gives one person a personal sum insured. Ideal if you want a large, uncompromised cover for yourself or a single dependent, with your own no-claim bonus year after year.
Why choose this plan
Cover that's yours alone
Your full sum insured is reserved for you — never split across family members.
Growing no-claim bonus
Stay claim-free and watch your cover grow up to 100% at no extra premium.
Cashless treatment
Walk in, get treated and walk out — we settle the bill directly with the hospital.
Tax savings
Premiums qualify for deduction under Section 80D of the Income Tax Act.
What's covered
- Hospitalisation, ICU and surgery costs
- Pre & post hospitalisation expenses
- Day-care and advanced treatments
- AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) — plan-dependent
- Free annual preventive health check-up
What's not covered
- Initial 30-day waiting period (except accidents)
- Pre-existing diseases until the waiting period ends
- Cosmetic and dental treatment unless from an accident
- Treatment taken outside India (plan-dependent)
Exclusions vary by insurer and plan. Always read the policy wording — our advisor will explain the fine print.
Available from
How it works
Share a few details
Tell us who to cover and your budget — takes under 2 minutes.
Get matched
Our advisors shortlist the best-fit plan from our partner insurers.
Buy in minutes
Review, pay online and get your policy document instantly.
We stay with you
Free renewal reminders and hands-on claim support, always.
Get an exact quote in minutes — free & no obligation.
Frequently Asked Questions
Common questions about Individual Health Insurance.
Ready to secure individual health cover?
Talk to an IRDAI-certified advisor for free, honest guidance tailored to you.