Individual Health Plans
Personalized health coverage designed for you
Individual health insurance provides dedicated medical coverage with personalized benefits, cashless treatment, and comprehensive protection tailored to your specific health needs.
Key Benefits
Dedicated Coverage
Your sum insured is exclusively yours and cannot be exhausted by family members
Personalized Premiums
Premium calculated based on your individual age, health, and risk profile
Comprehensive Benefits
Includes modern treatments, mental health, and alternative medicine coverage
Lifetime Renewability
Continue your coverage for life with guaranteed renewal options
What's Covered
- Hospitalization expenses (room rent, doctor fees, nursing)
- Pre-hospitalization expenses (30-60 days)
- Post-hospitalization expenses (60-90 days)
- Day care procedures and surgeries
- Ambulance charges up to policy limits
- Organ donor expenses
- Alternative treatments (Ayurveda, Homeopathy, Unani)
- Mental health and psychiatric treatments
- Maternity expenses (after waiting period)
- Newborn baby coverage from day one
What's Not Covered
- Pre-existing diseases during waiting period
- Cosmetic and plastic surgery (unless medically necessary)
- Dental treatment (unless due to accident)
- Routine health check-ups and vaccinations
- Self-inflicted injuries and suicide attempts
- War, nuclear risks, and terrorism
- Experimental and unproven treatments
- Obesity and weight control treatments
- Infertility and assisted reproduction
- Congenital diseases (policy specific)
Eligibility Criteria
Required Documents
- 1Completed application form with photographs
- 2Age proof (Birth certificate, Passport, School certificate)
- 3Identity proof (Aadhaar Card, PAN Card, Passport)
- 4Address proof (Utility bills, Aadhaar, Passport)
- 5Income proof (Salary slips, ITR, Form 16)
- 6Medical examination reports (if required)
- 7Bank account details for premium payment
- 8Previous insurance policy copy (for portability)
Claim Process
Simple steps to understand the claim filing process
Immediate Notification
Inform insurance company within 24-48 hours of hospitalization
Document Submission
Submit claim form with medical reports and bills
Claim Investigation
Insurance company verifies documents and investigates if needed
Claim Settlement
Approved claims settled within 15-30 days as per IRDAI guidelines
Frequently Asked Questions
Get answers to common questions about individual health plans
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