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.
Reasons to Choose Care Health Insurance?
As the name suggests, an individual plan is a type of medical insurance offering coverage, benefits, and security against medical emergencies to a single policyholder. An individual insurance policy acts as a personal safeguard against any expenses arising due to emergency hospitalisation, accidents, or other ailments. As an individual, you can customise the benefits of an individual mediclaim policy while enjoying a pocket-friendly premium.
A lower premium, extensive coverage, and several benefits together make an individual health insurance policy a popular pick among youngsters or individuals. One has to make an informed decision about buying a health insurance plan. With a highly flexible coverage, people of all ages – from young to middle age and elders – can opt for an individual policy to meet their specific medical care needs. Based on the selected plan, individual policy coverage can be extended to the individual's family. Care’s Supreme Health Insurance is a tailor-made individual health insurance policy that offers comprehensive coverage at an affordable cost. Find out why you should consider individual health cover over other options.
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:
Here are some prominent features of our personal health policies:
Individual health insurance offers personalised coverage, guaranteeing access to essential clinical care when needed. Here are other benefits our personal health insurance plan provides:
Individual health insurance plans are categorised into six different types, including:
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 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 provide additional coverage above the limitation 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 is for individuals aged 60 and above. These plans 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 policies mainly cover hospitalisation expenses, including room charges, doctor fees, surgical costs, and medicines during the hospital stay. 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 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.
At Care Insurance, we offer comprehensive and customised policy for individuals under affordable premium rates with the following coverage benefits:
We shall not reimburse any claim amount for the following standard exclusions under individual plans:
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 Years |
| Co-payment Clause | While buying or renewing the policy at the age of 61 years & above, customers will have the choice to include or exclude the co-payment feature, implying:
|
| Claim Options | Cashless and Reimbursement |
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:
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.
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.
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.
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.
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.
Under a personal health insurance plan, you can get customised coverage for your pre-existing diseases.
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.
With a separate cover, you can avail yourself of special discounts on the premium policy paid. For example, if you are young, you can avail yourself of early bird discounts of up to 10% with Care Plus- Youth Health Cover – offered by Care Health Insurance. 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.
Health insurance for policyholders provides coverage for clinical expenses, guaranteeing that the individual 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 a health insurance plan for individuals is easy and quick. Remember, in case of an emergency hospitalisation, you need to intimate our claims department within 24 hours of hospital admission.If it is a planned hosptialisation, kindly intimate 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: You'll get an approval letter when your claim is verified. | 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:
In an effort to help you choose and buy 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 personal 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, you will get the new health policy documents on 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 these below things while buying it:
Look for hospitals around you
My appreciation for your prompt service
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Health Insurance
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Health Insurance
Everything went very smooth
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Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Best Health Insurance
Company of the
Year*
48 Lakh + Claims Settled**
24800+
CASHLESS HEALTHCARE PROVIDERS^^
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.
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 31st March 2024
^10% discount is applicable for a 3-year policy
^^Number of Cashless Healthcare Providers as of Feb 2025
*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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