Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Individual health insurance is a medical cover providing healthcare and financial security to a single person against medical emergencies. The policy includes an affordable premium while offering lifelong renewability.
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Individual Health Insurance is a medical policy designed to protect just one person. The entire Sum Insured is yours alone. Unlike a family plan, which shares coverage among members, this plan provides a dedicated coverage amount reserved exclusively for your treatment. The policy pays for hospital stays, surgeries, doctor fees, and medical bills incurred before and after hospitalisation.
Care Health Insurance offers multiple individual health insurance plans, including Ultimate Care, Care Supreme, Care Supreme VFM, Care Advantage, and more.
The benefits of buying a health insurance plan for individuals are:
At Care Health Insurance, we meet the diverse healthcare needs of every household with some of our best individual health insurance plans in India. Here are some of our top-selling individual mediclaim plans:
India's First Money Back Health Insurance Plan
A health plan designed for middle-aged individuals.
Ideal for families looking for capless coverage
The key features of our individual health insurance plans are:
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:
Individual health insurance plans are categorised into six different types of personal health insurance plans, including:
The indemnity plan reimburses the insured for hospitalisation and medical treatment expenses up to the sum insured's limit. The insured pays upfront and then submits a claim for reimbursement as per the policy terms.
Pays for expenses related to pregnancy, childbirth, and postnatal care. These plans typically have a waiting period.
This gives you additional coverage above what your current health policy covers. They have lower premiums because you agree to pay a set amount (the deductible) yourself first.
It is health insurance specifically for people aged 60 and above. It covers common age-related medical issues like heart conditions and arthritis, and helps with hospitalisation, surgery, and critical illness.
Mainly covers your costs during a hospital stay, such as room charges, doctor fees, and surgical costs. It can be a good option if you need health insurance for a single person.
Pays out for injuries, disability, or in case of death caused by an accident. It's an inexpensive way to add significant financial protection for accidents to your current health insurance.
At Care Insurance, we offer comprehensive and customised policies for individuals under affordable premium rates with the following coverage benefits:
Your individual health plan generally will not pay for medical bills related to the following everyday situations:
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 |
|
| Tenure Options | 1/2/3/4/5 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:
|
| Claim Options | Cashless and Reimbursement |
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:
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.
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. |
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:
| Family Floater Plan | Individual Plan |
|---|---|
| A single insurance amount (Sum Insured) is available for all enrolled family members to utilise under a family health insurance plan. | Coverage is dedicated to one person only |
| The whole family is protected under one umbrella policy | Every member of a family who buys this plan has their own distinct, private coverage limit. |
| The premium is mainly decided basis on the age of the eldest member of the family | The cost of insurance (premium) is determined by the specific age and health condition of the individual applicant |
| The premium for a Family Floater is generally lower | Comparatively costlier than a family plan |
| It's a smart option for households mindful of their expenses | It is the preferred option when family members have diverse or specific medical requirements |
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.
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:
Once approved, the new health policy documents will be sent to your registered email address.
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:
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My appreciation for your prompt service
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Health Insurance
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Samanway Barik
Health Insurance
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Health Insurance
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Vaibhav Rai
Health Insurance
As a general rule, younger and nuclear families should opt for family floater plans. But if you have specific medical conditions and a complex medical history, you should always choose individual plans for every member.
Yes, you can avail up to Rs. 25,000/-as tax benefits under the policy.
Yes, you will get the cashless hospitalisation facility across our 9400+ network hospitals.
Yes, given the rising health risks, it is better to have a separate health cover. That’s because employee health policies will cease to provide coverage if you leave or switch jobs and may prove inadequate to cover your major medical expenses.
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.
If the insured amount is below 15 lakhs or the individual is below 45 years of age, the person is not required to undergo any medical test. However, the underwriter may suggest a pre-policy check-up subject to certain exceptional medical cases and policy terms.
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.
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 select any of these plans to settle your claims, provided that the claim amount payable is up to the sum insured of such policy.
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Disclaimer: Underwriting of claims for Individual health insurance is subject to terms and conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec'25
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of Dec'25
#The premium is calculated for an insured individual (18) who opts for a sum insured of 5 lakh in a zone 3 city.
*Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities, 10% discount is applicable for a 3-year policy.
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