What is beneficial for me - floater insurance or individual insurance?

Buying an individual cover or a floater cover is an individual’s perception. However, as a general rule, at younger ages, floater cover is advisable. As you grow older, you should go for an individual cover.

Who can buy individual health insurance?

Any individual 18 years or above can opt for individual health insurance.

Do I get tax benefits under an individual health insurance policy?

Yes, you can avail up to Rs. 25,000/-as tax benefits under the policy.

Do I get a cashless hospitalization facility under individual health insurance?

Yes, you will get the cashless hospitalization facility at our 8350+ network hospitals.

I am covered in an employee health insurance policy; would I still have to get a health cover?

The answer is a resounding yes! Given the rising health risks due to a hectic lifestyle, it is better to have a separate health cover. That’s because employee health insurance will cease to provide coverage if you leave or switch jobs and may prove inadequate to cover your major medical expenses.

How much coverage do I need?

Ideally, the selection of the right sum insured for your medical needs will depend on several factors. It is advisable to consider your present age and medical condition, and medical treatment costs when deciding the coverage amount.

Do I Need to go Through Medical Checkup Before Buying Individual Health Insurance?

If the insured amount is below 15 lakhs or the individual is below 45, you are not required to undergo any medical test.

Can I Add my Family Members to an Existing Personal Health Insurance?

Yes, you can add family members to existing personal health insurance.

At What Minimum Age Can I Add my Children in Individual Health Insurance Plans?

You can include your kid under an individual health insurance plan if the age is 5 years or above. If the age is less than 5 years, you can include them in a family floater plan with other family members who are 18 years old or above.

Can an Individual Have More Than One Insurance Policy?

Yes, you can have multiple health insurance plans. If you have opted for more than one indemnity-based plan with other insurers or us, then you can opt for any of these plans to settle your claims, provided that the claim amount payable is up to the sum insured of such policy. If the claim amount under a single policy exceeds the sum insured, you have the right to choose the insurer to settle the claim. We will settle the medical expenses if you have opted for our plan, subject to the policy terms and conditions.

Individual Health Insurance - Buy Best Individual Health Plans @₹12/Day*

Features of our Health Insurance for Individuals

Here are some prominent features of our personal health policies:

Feature	Care Supreme	Care Advantage	Care Freedom
SI Options	5L, ₹7L,,25 L, 50 L & 1 Cr	₹25L,/₹ 50L, ₹1Cr	₹3L, ₹5L, ₹7L, ₹10L
In-Patient Hospitalisation	Up to SI	Up to SI	Up to SI
Day Care Treatment	All Day Care Procedures	Up to SI	Up to SI
Advance Technology Methods	Up to SI	Up to SI	NA
Pre-Hospitalisation	60 days before hospitalisation	30 days before hospitalisation	30 days before hospitalisation
Post-Hospitalisation	180 days after hospitalisation	60 days after hospitalisation	60 days after hospitalisation
Ambulance Cover	Up to ₹10,000 per Year for SI < 15L & Up to SI for SI >= ₹15 Lacs	Up to SI	Up to Rs.1,000 hospitalisation
Domiciliary Hospitalisation	Up to SI	NA	Up to 10% of the Sum Insured is covered after 3 days
Unlimited Automatic Recharge	Up to SI	Up to SI	NA

Benefits of Individual Health Insurance

Individual health insurance offers personalised coverage, guaranteeing access to essential clinical care when needed. Here are other benefits our health insurance plan provides that you must know before buying self health insurance:

Cashless Hospitalisation- With our vast network of 21600 cashless healthcare providers, we promise quality medical care at the best price. Our network of hospitals ensures your family members can avail themselves of timely healthcare services without draining the family’s savings.
Cost-effective Plans- Individual health Insurance plans come with expansive benefits at affordable costs. You will not have to pay hefty premiums to be covered against unforeseen medical emergencies.
Customisable Health Benefits- With Care's Family Health Insurance, you can customise the policy features according to your needs. You can choose the right coverage amount, tenure and the appropriate additional benefits.
No Age Limit- With Care Health Insurance's health insurance plan, there should be no age limit to feel protected against medical emergencies. Our plans ensure lifelong renewability.
Tax Benefit- If you insure yourself under an individual health insurance plan, you will be able to save tax on the premium you pay and on your savings.

Types of Individual Health Insurance Plans

Individual health insurance plans are categorised into six different types of personal health insurance plans, including:

The Indemnity Plan

The indemnity plan reimburses the insured for hospitalisation and medical treatment expenses up to the sum insured's limit. In addition to covering hospitalisation costs, indemnity plans offer coverage for post-hospitalisation treatments, such as doctor consultations and medical tests, within a specified period. After incurring medical expenses, the insured pays the hospital and submits claims for reimbursement from the insurer, subject to the plan's terms.

Maternity Plans

Maternity plans cover pregnancy, childbirth, and postnatal care expenses. These plans typically have a waiting period for maternity benefits, meaning they only cover pregnancy expenses after a certain period.

Top-up Health Insurance Plans

Top-up health insurance plans provide additional coverage above the limitations of a current health insurance policy. Since top-up plans have a high deductible, they have lower premiums than standard health insurance policies.

Senior Citizen Health Insurance

Senior citizen health insurance is for individuals aged 60 and above. These medical insurance plans for individuals offer coverage for common medical issues related to ageing, such as heart conditions, diabetes, and arthritis. These plans assist individuals by providing coverage for hospitalisation, surgery, critical illness, and emergency medical evacuation.

Mediclaim Health Insurance

Mediclaim health insurance policies mainly cover hospitalisation expenses, including room charges, doctor fees, surgical costs, and medicines during the hospital stay. If you are looking for health insurance for a single person, then mediclaim insurance can serve the purpose. It also offers limited coverage for pre-hospitalisation and post-hospitalisation costs, including diagnostic tests, doctor visits, and follow-up treatments for a certain period.

Personal Accident Cover

Personal accident cover reimburses for injuries or deaths caused by accidents. It contains medical treatment costs, disability benefits, and compensation for loss of life or limb due to accidents. These inexpensive plans provide significant coverage for accident-related incidents, making them a convenient addition to a current health insurance policy

What is Covered under Health Insurance for Individuals?

At Care Insurance, we offer comprehensive and customised policies for individuals under affordable premium rates with the following coverage benefits:

Coronavirus Treatment

Keep yourself safe against the COVID-19 risk with the coverage for standard coronavirus treatment expenses, including hospitalisation and medications.

No Claim Bonus

We reward you for staying healthy and raising no claims by increasing your sum insured under individual coverage by at least 10% of SI every policy year.

Pre and Post-Hospitalization Cover

We secure your hospitalisation to recovery journey with 30-day pre and 60-days post-hospitalization expenses covered under every individual plan.

Modern Day Care Treatment

Thanks to advanced medical technology, several medical treatments are completed within 24 hours. We cover expenses for such 540+ daycare procedures.

Auto Recharge of Sum Insured

To support you during frequent mediclaim needs, we ensure automatic recharge of your individual plan’s sum insured at least once in a policy year.

Annual Health Check-ups

We help you keep track of your health and take preventive measures with free annual health check-ups for insured members under our individual health covers.

Domiciliary Hospitalization Cover

We have your back when you need extra medical care at home. Our personal covers offer coverage for domiciliary care expenses as per policy terms.

In-Patient Care

We promise access to quality medical care with complete in-patient coverage, including ICU charges, doctor’s fees, etc., up to the individual plan’s SI.

What is Not Covered under Individual Insurance Plans

We shall not reimburse any claim amount for the following standard exclusions under individual plans:

Act of self-inflicted injury, attempted suicide or suicide.
Any illness related directly to the consumption of Alcohol/Tobacco/Cigarettes, etc. or any sexually transmitted disease.
Cosmetic or plastic surgeries or related treatment.
Pregnancy, miscarriage, childbirth, maternity including C-section, abortion, or complications of any of these.
All the treatments are required due to participation in hazardous activities.
Damage caused by a nuclear, chemical, or biological attack or weapons.
Illness or injuries caused by any breach of law by the insured.

Individual Covers: Eligibility, Claim Process, and Other Details

While the entry age of our wide-ranging individual plans may differ among plans, below are the standard eligibility criteria and claim process common across mediclaim for individuals

Minimum Entry Age	18 years
Maximum Entry Age	No upper age limit
Renewal	Lifelong renewability
Waiting Period	30 days for all illnesses, except for accidental injury 2 years for Named Ailments 3 years for pre-existing illnesses
Tenure Options	1/2/3 Years
Co-payment Clause	While renewing or purchasing individual health insurance at the age of 61 years or above, customers will have the choice to include or exclude the co-payment feature, implying: Continuing the policy with 20% co-payment Continuing the policy without 20% co-pay by opting for a waiver benefit
Claim Options	Cashless and Reimbursement

Why Should You Opt for a Medical Insurance Plan for Individuals?

Buying an individual health insurance plan has several advantages for every individual, especially if you opt for this policy early. Here’s how one can make the most of it:

An Essential Choice for Working Professionals

Working professionals need the utmost security against rising medical costs and lifestyle diseases while saving for the future. An individual policy is the best choice to protect one’s needs. Also, the employer-provided group Mediclaim stops providing coverage when one exits the organisation, whereas a separate health plan can give lifelong coverage.

Lower Health Insurance Premium

The earlier you opt for an individual health plan, the better. Not only will you enjoy a lower premium, but you will also accumulate a significant no-claim bonus, given that you stay healthy for a long time. Even if you opt for personal health coverage in old age, you can waive the co-payment by opting for optional waiver benefits.

Suitable for the Elderly

Including elderly family members in a family floater plan may not be a good idea, as it can increase the premium. So, get separate health coverage for your elders that meets their medical needs. With benefits like alternative treatment and annual health check-ups, it becomes easy for senior citizens to manage their health better.

Comprehensive Coverage and Flexibility to Customise

Whether young or old, the most significant advantage of buying individual health insurance is that you can customise the plan as per your health status and needs. For instance, people with diabetes can buy Mediclaim with pre-existing diseases. In contrast, people with a family history of heart or cancer diseases can opt for a critical illness cover.

Safeguard against Rising Health Issues

Long hours of work and inactivity cause households to struggle, including lifestyle diseases like diabetes, hypertension, etc. The pandemic has further increased health risks for everyone. Health insurance for individuals protects you from various health risks, regardless of age and health status.

Pre-existing Diseases and other Ailments Covered

Under a personal health insurance plan, you can get customised coverage for your pre-existing diseases.

Better Tax Savings

Opting for a personal cover allows you to save tax individually. One can get a maximum deduction of up to Rs 25,000 annually, u/s 80D, on the insurance premium. Senior citizens can get a higher deduction of up to Rs 50,000. One can get total deductions of up to Rs 1 lakh if the proposer and insured are above 60 years.

Ability to Avail Higher Discounts

With a separate cover, you can avail yourself of special discounts on the premium policy paid. For example, you can go for the most rewarding health insurance, Care Supreme, and utilise maximum coverage, wellness benefits, Cumulative Bonus (CB), and annual health check-ups. Besides, you can buy a multi-year senior citizen health insurance policy for elderly parents to avail of exclusive discounts on the premium amount. This way, individual covers for every member add to the discount percentage.

How Does Health Insurance for Individuals Work?

Health insurance for policyholders provides coverage for clinical expenses, guaranteeing that the individual's fees are secure in case of a medical crisis such as illness or injury. You should follow this step-by-step guide to understand how an individual health insurance plan works:

Purchase Individual Health Insurance: The first step is choosing an individual health policy that fits your needs. Differentiate between various plans, emphasising coverage, benefits, exclusions, and premium costs.
Pay the Premium:After choosing an individual health insurance plan, you must pay a premium, depending on the terms, such as monthly, quarterly, or annually. The premium depends on age, medical history, coverage amount, and policy duration. You can pay the premium directly through the insurer's website or through an agent.
Seek Medical Treatment: Once the policy is in place, you will be covered under the plan. You can instantly seek treatment at a network hospital if you experience any illness or injury or need medical attention.
File a Claim: If you plan to undergo any treatment under your policy coverage, you can file a claim. The insurance service provider may provide you with cashless treatment at a network hospital for hospitalisation. If you're receiving treatment at a non-network hospital, you may have to pay upfront and file for reimbursement later.
Claim Settlement: After you file a claim, the insurer will review the provided documentation, such as medical reports, bills, and prescriptions. If your claim fulfils all the terms and conditions in the policy, the insurer will approve and settle the bill through direct payment at the hospital in case of a cashless claim or will reimburse the amount into the bank.

Who Should Buy Individual Health Insurance Policy?

While the policy is suitable for people from all walks of life, individuals under the following circumstances should certainly consider buying an individual health insurance policy:

People at a Higher Health Risk

People who are susceptible to increased health risks owing to an unhealthy lifestyle and stressful occupations

Ageing Parents

Elderly parents and family members with specific medical conditions, like diabetes, hypertension, etc.

Uninsured Individuals

If you are uninsured while your family is already insured under a policy, you should get a personal health cover.

People Needing Separate Coverage

Individuals who need a separate sum insured and benefits instead of a shared policy under family floater.

Individuals Suspecting Critical Illnesses

If you have a family history of serious diseases like cancer, etc., you should opt for a policy covering similar conditions individually.

How to File a Claim?

Filing a claim under an individual's health insurance plan is easy and quick. Remember, in case of an emergency hospitalisation, you need to inform our claims department within 24 hours of hospital admission. If it is a planned hospitalisation, kindly inform us 48 hours prior to the admission date. Here are the steps to follow under the cashless and reimbursement claiming processes-

Cashless Claim Process	Reimbursement Claim Process
Step 1: Go to a listed in-network hospital.	Step 1: Submit your claim form along with other required documents.
Step 2: Fill out the proper forms at the insurance desk.	Step 2: You'll get an approval letter when your claim is verified.
Step 3: Send the completed form to our claim management team.	Step 3: Respond to queries raised by the claim management team.
Step 4: When your claim is verified, you'll get an approval letter.	Step 4: Get approval from the claim management team.
Step 5: Respond to queries from the claim management team. You will receive communication about whether your cashless claim is approved or rejected within the standard TAT.	Step 5:Our claims team will contact you if there are specific reasons for rejecting your claim.

Documents Required to File Health Insurance Claim

A duly filled and signed claim form
Insured person’s details like name, policy number, nature of the illness, address, etc.
All the diagnostics and medical test reports
Original payment receipts, hospital bills, and discharge summary papers
Original pharmacy bills with prescriptions
Doctor’s referral letter
Police FIR and post-mortem report in case of a personal accident
Death certificate

Which Plan Should You Choose: Individual or Family Health Insurance Plans?

It is always beneficial to evaluate health insurance early in your financial journey. This can be done easily by actively comparing different plans. The question of which health insurance might suit you depends on the following situations:

Young Individuals: Young professionals just entering the workforce are prime candidates for individual health insurance. The premium amount will be significantly lower, as their age is considered to be a reduced risk factor.
Young Families With Children: Such families would be better off choosing family health insurance plans. The premium is determined by the age of the oldest member in the plan, but this is an effective way to protect your family against unforeseen emergencies.
Your Parents: If you have elderly parents who have reached retirement age, an individual health insurance plan or a Senior Citizens Health Insurance plan is ideal. The low costs involved with family health insurance plans leave you with enough budget to buy separate health insurance for parents.

Advantages of Buying Individual Health Insurance Online

To help you choose and buy the best individual health insurance coverage, we have enhanced our digital portals with end-to-end support features and services, including the following facilities:

Secure Payment Modes

We back our digital portals with secure payment options, helping you complete the transaction from anywhere, any time.

Quick Chat Support

Our in-house claims and customer support team resolves all your policy-related queries instantly through our chat service.

Instant Premium Calculation

Our digital premium calculators help you estimate the policy’s cost while comparing premium rates against policies and benefits.

Convenient Policy Selection

You can easily study, evaluate, and compare individual health plans by accessing policy documents through our official website.

Value Added Services

While buying or renewing personal covers online, you can easily modify optional benefits like OPD, etc., to enhance the coverage.

How to buy Individual Health Insurance Online?

Getting your health plan is the safest way to protect your health and finances as it provides coverage against any possible certain or uncertain risks. Here is a quick guide to buying online insurance for yourself:

Step 1

Visit our website and select a suitable health policy.

Step 2

Click on ‘Get Quote’ and provide relevant details.

Step 3

Enter the required information and customise your policy.

Step 4

Make payment through any secure digital payment modes.

Once approved, the new health policy documents will be sent to your registered email address.

Things to Keep in Mind While Buying Health Insurance for Individuals

Individual medical insurance gives you a financial cushion during a medical emergency and reduces monetary stress. Thus, it's essential to opt for a personal cover wisely. Consider the following things while buying it:

Check the minimum age criteria to buy the policy.
Look for a sufficient sum insured that meets your healthcare needs.
Opt for the plan that costs you a lower premium and does not overburden your pocket.
Check if there is a requirement for pre-medical tests to get the individual health policy.
Go with an extensive coverage policy that includes inpatient hospitalisation, pre- and post-hospitalisation, ambulance, second opinion, alternative treatment, and more.
Add-on benefits such as a no-claim bonus, automatic recharge, global coverage, and international second opinions are available to enhance coverage.
Check the tax exemption eligibility under individual plans.

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Individual Health Insurance

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What is an Individual Health Insurance?

Select from the Best individual Health Insurance Plans

Care Supreme

Care Freedom

Features of our Health Insurance for Individuals

Benefits of Individual Health Insurance

Types of Individual Health Insurance Plans

The Indemnity Plan

Maternity Plans

Top-up Health Insurance Plans

Senior Citizen Health Insurance

Mediclaim Health Insurance

Personal Accident Cover

What is Covered under Health Insurance for Individuals?

What is Not Covered under Individual Insurance Plans

Individual Covers: Eligibility, Claim Process, and Other Details

Why Should You Opt for a Medical Insurance Plan for Individuals?

An Essential Choice for Working Professionals

Lower Health Insurance Premium

Suitable for the Elderly

Comprehensive Coverage and Flexibility to Customise

Safeguard against Rising Health Issues

Pre-existing Diseases and other Ailments Covered

Better Tax Savings

Ability to Avail Higher Discounts

How Does Health Insurance for Individuals Work?

Who Should Buy Individual Health Insurance Policy?

How to File a Claim?

Documents Required to File Health Insurance Claim

Which Plan Should You Choose: Individual or Family Health Insurance Plans?

Advantages of Buying Individual Health Insurance Online

How to buy Individual Health Insurance Online?

Things to Keep in Mind While Buying Health Insurance for Individuals

Care Health Insurance in the Media Limelight

Cashless Claim Within An Hour! How Can Customers Take Full Benefit Of IRDAI's New Update?

Compare features, costs regularly to find a better health insurance

Health Insurance for senior citizens: How the no age restriction new rules will benefit the elderly— Explained

Mother’s Day 2024: Understanding the significance of health insurance for women

Cancer Coverage: Why Health Insurance Is Essential? Here Are 6 Key Reasons

Customise insurance riders to fit your family's medical background

21700+ Healthcare providers offering cashless treatment across the country

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FAQ on Individual Health Insurance

Q. What is beneficial for me - floater insurance or individual insurance?

Q. Do I get tax benefits under an individual insurance policy?

Q. Do I get a cashless hospitalisation facility under individual plans?

Q. I am covered in an employee health insurance policy; would I still have to get a health cover?

Q. How much coverage do I need?

Q. Do I need to go through medical check-up before buying individual health coverage?

Q. At what minimum age can I add my children to my individual health cover?

Q. Can an individual have more than one insurance policy?

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