Individual Health Insurance

Comprehensive health coverage for individuals

Individual health insurance provides complete medical coverage for hospitalization, surgeries, and treatments with cashless facility at network hospitals.

Comprehensive hospitalization coverage
Cashless treatment at network hospitals
Pre and post hospitalization expenses
Day care procedures covered
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Key Benefits

Complete Coverage

Covers hospitalization, surgeries, and treatments

Cashless Facility

Get treated without paying upfront at network hospitals

Tax Benefits

Premium eligible for deduction under Section 80D

No Claim Bonus

Sum insured increases for claim-free years

What's Covered

  • In-patient hospitalization
  • Pre-hospitalization expenses (30-60 days)
  • Post-hospitalization expenses (60-90 days)
  • Day care procedures
  • Ambulance charges
  • ICU charges
  • Doctor consultation fees
  • Diagnostic tests

What's Not Covered

  • Pre-existing diseases (waiting period applies)
  • Cosmetic treatments
  • Dental treatments (unless due to accident)
  • Self-inflicted injuries
  • Maternity (unless add-on purchased)

Eligibility Criteria

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

Required Documents

  • 1
    Proposal form
  • 2
    Age proof
  • 3
    Identity proof
  • 4
    Address proof
  • 5
    Medical reports (if required)
  • 6
    Photographs

Claim Process

Simple steps to understand the claim filing process

1

Hospitalization

Inform insurer and choose cashless or reimbursement

2

Documentation

Submit hospital bills and medical records

3

Verification

Insurer verifies treatment and expenses

4

Settlement

Claim settled via cashless or reimbursement

Frequently Asked Questions

Get answers to common questions about individual health insurance

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