An individual health policy covers one person with a dedicated sum insured. Because the cover is not shared, a large claim by one family member does not exhaust anyone else’s protection.
We compare network hospitals, room-rent limits, sub-limits, waiting periods and claim-settlement behaviour — not just premium — because those are what decide how much you actually recover.
Who needs this cover
- Individuals whose employer cover is thin or absent
- People with a specific health history needing dedicated cover
- Anyone who wants cover that survives a job change
Key benefits
- Cashless treatment at network hospitals
- Pre and post-hospitalisation expenses
- Day-care procedures
- No-claim bonus for claim-free years
What is typically covered
- In-patient hospitalisation
- Pre and post-hospitalisation for the defined periods
- Day-care treatments listed by the insurer
- Ambulance charges up to the specified limit
Eligibility
- Entry typically from 18 years, with child cover available separately
- Pre-policy medical checks may apply above certain ages
Key exclusions and limitations
- Pre-existing conditions during the waiting period
- Cosmetic treatment unless medically necessary
- Conditions listed under the initial and specific waiting periods
Exclusions differ between insurers and product variants. Always read the policy wording for the exact list.
Claim information
For cashless treatment, present your health card at a network hospital and have the pre-authorisation raised. For reimbursement, keep all original bills, discharge summaries and reports. We help you assemble the file and pursue the insurer.