Individual Health Insurance

Comprehensive health coverage tailored for you

Individual health insurance provides personal medical coverage with cashless treatment, pre & post hospitalization benefits, and comprehensive protection against medical emergencies.

Cashless treatment at 10,000+ network hospitals
Coverage for pre & post hospitalization expenses
Day care procedures covered
Alternative treatment methods included

Key Benefits

Comprehensive Coverage

Complete protection against medical expenses including hospitalization, surgery, and emergency treatments

Cashless Treatment

Get treated at network hospitals without paying upfront - direct billing to insurance company

Tax Benefits

Save up to ₹46,800 annually on taxes under Section 80D of Income Tax Act

Quick Claim Settlement

Fast and hassle-free claim processing with 98% claim settlement ratio

What's Covered

  • Hospitalization expenses (room rent, nursing, doctor fees)
  • Pre-hospitalization expenses (30-60 days)
  • Post-hospitalization expenses (60-90 days)
  • Day care procedures and treatments
  • Ambulance charges
  • Organ donor expenses
  • Alternative treatments (Ayurveda, Homeopathy)
  • Mental health treatments
  • Maternity expenses (after waiting period)
  • Newborn baby coverage

What's Not Covered

  • Pre-existing diseases (during waiting period)
  • Cosmetic and plastic surgery
  • Dental treatment (unless due to accident)
  • Pregnancy expenses (during waiting period)
  • Self-inflicted injuries
  • War and nuclear risks
  • Experimental treatments
  • Obesity treatment
  • Infertility treatment
  • Routine health check-ups

Eligibility Criteria

Minimum Age18 years
Maximum Age65 years
Renewal AgeLifetime
Waiting Period
30 days for illness, 2-4 years for pre-existing conditions

Required Documents

  • 1
    Filled application form
  • 2
    Age proof (Birth certificate, Passport, etc.)
  • 3
    Identity proof (Aadhaar, PAN, Passport)
  • 4
    Address proof (Utility bills, Aadhaar)
  • 5
    Income proof (Salary slips, ITR)
  • 6
    Medical reports (if required)
  • 7
    Passport size photographs

Claim Process

Simple steps to understand the claim filing process

1

Inform Insurance Company

Notify within 24-48 hours of hospitalization through helpline or mobile app

2

Submit Documents

Provide all required documents including medical reports and bills

3

Claim Processing

Insurance company reviews and processes your claim within 15-30 days

4

Settlement

Approved amount is settled directly to hospital or reimbursed to you

Frequently Asked Questions

Get answers to common questions about individual health insurance

Need Expert Guidance?

Get personalized advice about individual health insurance from our certified experts