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Individual Health Insurance

It is finely said ‘Health is wealth’. If an individual is not well and is going through a tough time because of a serious disease, then how can he make money and earn a living for his family. Insuring your health first must be a major goal apart securing growth in your career. We never know when we will get ill/ hospitalized due to any disease or accident. For that, we need powerful backup support i.e. Individual Health Insurance which will protect us from all kinds of medical emergencies.

Individual Health insurance is a unique plan that gives coverage specific to an individual needs. This is perfect for people who live alone or is prone to critical diseases. To purchase an Individual health insurance, the customers have enormous amount of insurers offering coverage at an affordable rate with hefty discounts. Companies like Reliance General, Star Health, Apollo Munich etc are operating worldwide and giving health benefits every age of individual.

Higher Coverage

Higher Coverage

The individual can purchase from minimum Rs 1 lakh to Rs 5 crore of sum insured at much reasonable rates of premium.

Better Risk Control

Better Risk Control

The policyholder can get safety from critical illnesses, accidents, ailments, injuries through various medical facilities listed in the policy.

Tax Benefits

Tax Benefits

You can save your annual tax by investing in individual health insurance under section 80D of the Income Tax Act.

Features Of Individual Health Insurance Policy

The individual health insurance plan can be renewed only till the senior most members reach the maximum age of renewability provided by the insurer. Normally the premium of individual health plan is slightly more than the floater plan. The policy can be extended to members of family like parents and in-laws. The policyholder can avail the advantages till the plan lapses. It is a great product for older families where the health risk is high. The individual health insurance plan provides coverage to the individual and costs slightly higher as compared to floater plans. Main features of this policy are:


It provides broad coverage for the medical treatment in case of accidents and illness which needs in-patient hospitalization


Some companies also provide coverage on critical illness


Covers ICU charges, boarding & lodging expense, diagnostic procedure prosthetic costs, etc.


Customers between the age group of 5 to 60 years can take advantage of this plan, but this also varies from insurer to insurer


Lifelong renewal facility


Provides coverage against day care procedures and emergency ambulance


All customers can take advantage of tax savings under Sec 80 D of Income Tax Act.

Importance of Individual Health Insurance Plan

There are several factors which makes it important to have an individual health plan. Having a health insurance plan is vital for individual and for the family as well. It is essential for health and financial wellness. A health insurance provides coverage against the unforeseen medical expenses. You must buy it as soon as possible. There is a popular saying about the same

"Buy health insurance when you don't want it, because you may not get it when you want it."

Key Points of Individual Health Plan

Owning a health insurance plan can seriously save you from the medical circumstances and can prevent your savings from draining. Let’s check how everything goes-

Better health

Better health

People who do not have any health plan suffer from worst health outcomes, whereas those who have it get the quality care at the right time. A medical cover guarantees peace of mind and stable finances.

Preventative Medicare

Preventative Medicare

An individual health policy provides better access to healthcare facilities. Many insurance companies send alerts to the customers related to where and when to have the diagnostic screenings.

Covers medicine & drug costs

Covers Medicine & Drug Costs

It becomes quite hard for people to buy costly medicines for various disease under normal circumstances. Under basic individual health insurance policy, most insurers cover such medical expenses.

Financial Stability

Financial Stability

An individual health insurance plan assists customers to achieve better financial health. Many insurers provide discounts which helps customers in saving money at the time of checkup or in case of hospitalization.

Advantage Of Best Individual Health Insurances

We always look for the benefits of a product before making a purchase of it. This habit of looking for benefits is also relevant to health insurance. Let’s count on the number of advantages it will offer-

Provides cashless facility

Every insurer provides a list of network hospitals. If the policyholder gets admitted in any of the network hospitals then he/she does not have to pay anything because of the facility as insurers cover such expenses i.e Cashless Health Insurance

Covers pre and post hospitalization

An individual health policy may cover pre and post hospitalization expenses. The related norms depend upon the insurer and the type of plan selected.

No claim bonus

The customer will get the no claim bonus if they do not file any claim in the policy term period. Policyholders can use the same to pay further premiums.

Tax benefits

Some insurers provide the facility of free checkup at select diagnostic centres and hospitals which saves your time and money.

Medical checkup

You can avail tax benefits under section 80D when you buy a individual health insurance plan.

Advantage Of Best Individual Health Insurances

Things You Must Check While Buying Individual Health Insurance Plans

Do You know? Buying the wrong type of health insurance can leave you unsatisfied and uncovered from the medical uncertainties. In order to save yourself from committing this mistake, check these points.

Pre-existing illnesses

Medical insurance plans come with a waiting period of two-4 yrs in case of pre-existing illnesses. They are not liable to pay for any expense incurred during the above mentioned tenure that are caused by any disease that you were suffering from prior to buying the policy document. Therefor, a person desires to look for individual health insurance plans which has the shorter waiting period and an extra pre-existing illness cover.

Pre & Post Hospitalization

Pre and post hospitalization prices are the ones which can be accounted before and after hospitalization. The cover of every policy differs in terms of the days, where pre-hospitalization is generally counted for 30 before hospitalization and post- hospitalization is counted for 60 days after. It isn't always fixed so strive for choosing a policy which gives you maximum range of days of this cover.


Co- payment is where the insurance organization and the insured pay a few percentage of the total declared amount. The proportion is decided earlier. This procedure may reduce your premium, but it's essential to understand if you could pay your part of cash at the time of an emergency. If you can’t, then its better to not opt for this option at all otherwise you might have to face complications later on.

Network Hospitals

Network hospitals are the panel hospitals in which for any medication you don’t need to pay the bills as a substitute you could experience cashless facility wherein there is no fuss of submitting documents for repayment. All the treatment costs are settled at once between the hospital and insurer. It's prudent to avail of such policies that offer you the option of wide number of network hospitals so that you can avail the services anywhere you want.

No claim Bonus

Whenever there is a case of hospitalization, you have to bear a predefined room rent. Some policies offer a coverage amount on room rent at 2% of the sum insured while few don't have any limit for such fees. It is always better to go with the latter one as it offers more flexibility to you.


Last but not the least are the exclusions. It's obligatory to study the exclusions, terms and conditions of every policy. Try and choose coverage with lesser exclusions so that you don’t experience issues while availing treatment or while making a claim for the treatment done.

Keep in mind these essential features while choosing your policy, you are sure to get the best individual health insurance, that will suits your lifestyle and requirements.

Why To Compare With

You may come across a lot of portals which are offering comparison services. But at, what you get is unbiased advice to take care of your health related needs. Our database is linked with leading health insurers, which allow us to offer accurate quotes and features to you on a real time basis. You can complete your policy purchase on our portal by using different payment options such as credit, debit card or net banking.

Choosing the right kind of coverage is a crucial step in health insurance. With the help of comparison, you will get accurate information about various health plans by different at affordable premium rates. Plus, you can save time, money, and effort.

Please keep in mind that few policies may require medical tests for certain age groups before purchase. Our team of dedicated telesales executives will help you in the same so that you can undergo medical tests at your nearest location and can make a payment online for policy issuance. is IRDA approved portal and thus follows the norms of IRDA for accurate and trustworthy comparison service. Comparison of individual health insurance policies at is completely free of cost provides plan comparison from leading brands such as Religare Health, Max Bupa, Bharti Axa, Tata AI, Apollo Munich, Star Health, etc. Buy policies within minutes by filling up the online form. Most of our health plans are online and you can get your policy instantly by making an online payment.

How To Compare Individual Health Insurance At

Selecting the best individual health plan might seem tough to you, but at we provide you simple and hassle free ways to compare individual health insurance policy in India and select the best one which suits your requirement. There are few things which you should consider before doing individual health plans comparison. At our portal, we assist you with helpful tips to get the best plan.

Compare quotes and get the desired plan in few minutes without much documentation. You will receive the policy through e-mail within an hour. All you need to do is fill some basic details for taking advantage of the comparison services, get free quotes, compare plans and buy the desired plan which suits your requirements completely.

Tips To Find The Best Individual Health Plan

You may come across a lot of portals which are offering comparison services. But at, what you get is unbiased advice to take care of your health related needs. Our database is linked with leading health insurers, which allow us to offer accurate quotes and features to you on a real time basis. You can complete your policy purchase on our portal by using different payment options such as credit, debit card or net banking.

Check limits and sub-limits

Few limits and sub-limits can reduce the cost of the premium, but may alter the benefits. You should check your requirement, paying capacity and choose accordingly to reap maximum benefits.

Claim settlement ratio

It is an important factor that you must check before making your purchase decision. With it you can ensure that your claims would not be wrongly withheld by the insurance provider.

Don't rely on premium

It is an important feature, but you should not make any decision on the basis of premium amount. You should also check the features of the plan rather than just the premium costs.


It is vital to check how many years the policy proposes to cover you. Check renewability features to get the best policy of the lot.

Documents Required for Invidual Health Insurance Policy

If you have decided to buy health insurance online, then there are few documents that you need to provide such as:

Age Proof

Age Proof

Any one of Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter ID, etc

Identity Proof

Identity Proof

Driving License, Passport, Voter ID, PAN Card, Aadhar Card, which proves ones citizenship

Address Proof

Address Proof

Electricity Bill, Telephone Bill, Ration Card, Driving License, Passport, should clearly mention the permanent address

Some plans require a medical check-up usually for elder people above the age of 45 years in order to make sure that the insured does not suffer from any chronic illness. Passport Size Photo to have a record of the insured person`s identity for future references.

Last updated on 19-07-2019