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Individual Health Insurance Plans starting just at ₹243/month*

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    Coverage up to ₹5 Crores

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    10,000+ Network Hospitals*

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    20+ Add-Ons Available*

Individual Health Insurance Plans

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Medical emergencies usually strike unexpectedly, leading to overwhelming hospital bills and associated expenses. Health insurance is an essential financial support system that helps you manage today's ever-increasing medical costs.

Whether you need coverage for unexpected hospitalisations, treatments or surgeries, a reliable individual health insurance plan can help you prioritise your health without depleting your savings.

At IndusInd General Insurance, we offer tailored health insurance for individuals that cater to your unique and diverse healthcare needs. Our individual health insurance plans are designed to provide comprehensive coverage and financial support, ensuring you can efficiently manage your healthcare expenses.

For example, our Health Global Plan is an international health insurance policy that provides coverage for planned treatments abroad and for planned and emergency treatments in India. Meanwhile, our Reliance Health Infinity Plan is a single insurance plan that allows you to "Live Life without Limits" by offering limitless coverage.

Importance of Individual Health Insurance

Here are some key aspects regarding the importance of individual health insurance:

Financial Protection

A single health insurance plan offers financial safeguards by covering a range of medical expenses, including diagnostic tests, doctor consultations, ambulance services and more. This support allows you to focus on recovery without worrying about the costs.

Comprehensive Coverage

The best personal health insurance plans offer broad coverage with high-sum insured options, ensuring ample financial support for various medical expenses, from routine check-ups to major medical procedures.

Tax Benefits

Investing in an individual health insurance policy offers tax benefits under Section 80D of the Income Tax Act. You can claim deductions up to ₹1 lakh* (if both you and your parents are senior citizens) for the premiums paid.

Cashless Everywhere

With the Cashless Everywhere feature, IndusInd General Insurance allows you to access cashless treatment anywhere in India - network and non-network hospitals. This benefit allows you to receive treatment without having to worry about any upfront payments.

Customisable Plans

One of the benefits of individual health insurance plans is that they can be customised. This allows you to add specific coverages such as maternity benefits, critical illness coverage and more, ensuring your plan fits your unique health needs.

Support for Preventive Care

One key health insurance benefit for individuals is coverage for preventive care, such as vaccinations and annual health check-ups. This proactive approach helps in the early detection and management of potential health issues.

Coverage for Alternative Medicine

Many individual health insurance plans cover AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy benefits). This provides a holistic approach to healthcare, giving you the flexibility to choose treatments that suit your health needs and treatment preferences.

24x7 Emergency Assistance

Individual health insurance provides 24x7 emergency assistance, ensuring that you have access to medical help whenever you need it. This round-the-clock support can be crucial during medical emergencies, providing immediate assistance and guidance.

Cumulative Bonus

One of the standout individual health insurance features is the provision of cumulative bonuses for claim-free years. This means that your sum insured can increase without additional premiums, providing greater coverage over time.

Peace of Mind and Well-being

The peace of mind that comes with knowing that your healthcare needs are covered is invaluable. Health insurance gives you access to necessary medical care without having to worry about costs, allowing you to focus on your health and recovery.

Why Should You Choose IndusInd Individual Health Insurance?

IndusInd General Insurance offers a range of affordable and comprehensive individual health insurance plans to address your unique healthcare requirements. Our policies provide broad coverage for a number of medical expenses, including inpatient care, OPD visits, pre-and post-hospitalisations, routine check-ups, surgeries and planned international treatments. We also offer cashless hospitalisation across India, ensuring you receive the best possible care when you need it the most.

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Up to 40% Off on Premiums*

More coverage & more savings!

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24x7 Customer Support*

Quick support anywhere!

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Over 10,000 Hospitals* 

Quick cashless claims pan-India!

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AYUSH & Modern Surgery

Get 100% SI coverage for both*

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Individual Health Insurance - Features and Benefits

Key Features

Benefits of IndusInd Individual Health Insurance

Sum Insured

    ₹5 Lakhs - ₹5 Crore

Policy Type

Individual

Cashless Hospitalisation

10,000+ cashless hospitals, including non-network hospitals with the 'Cashless Everywhere' feature

Pre & Post Hospitalisation

Covered up to a specified limit

Tax Benefits

Up to ₹1 lakh* under Section 80D

Paperwork

Zero Paperwork
online policy purchases are available

Voluntary Co-payment

Option available

COVID-19 Cover

Available in all health policies

Add-ons

Worldwide emergency cover, unlimited restore benefit, maternity cover and more

Critical Illness Cover

Covers all illnesses, including specific critical illnesses, under Health Global policy

Daycare Procedures

Offers coverage for advanced treatment procedures that do not require a 24-hour hospital stay

AYUSH Treatment

Offers coverage for alternative treatments under AYUSH

Renewability

Lifetime renewability, ensuring continued coverage without any restrictions of age or health condition

Digital Convenience

Online policy management and easy claim process

Personal Health Insurance Cost

Premium rates starting at ₹243/month*

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Reliance’s online set up helps ease the process of purchasing a health plan.

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Premium starting at Premium starting at
Premium starting at Premium starting at

Choose IndusInd General Insurance for reliable and extensive individual medical insurance that caters to all your healthcare needs.

Individual Health Insurance Plans Offered by IndusInd General Insurance

The table below provides key features of individual health insurance plans offered by IndusInd General Insurance:

Feature/Plan

Health Infinity Insurance

Health Global Insurance

Sum Insured Options

    Up to ₹5 Crores*

Up to USD 1 Million*

Coverage Type

Comprehensive health coverage

International and domestic coverage

Cashless Treatment

Available with the 'Cashless Everywhere' feature in India

Available both in India and worldwide

Critical Illness Cover

Optional

Covers all illnesses

Maternity and Newborn Baby

Covered

Not covered

Daycare Procedures

Covered

Covered

OPD Expenses

Covered

Covered

Pre-Existing Disease Waiting Period

    2-4 years, based on the plan

2-4 years, depending on the plan chosen

Renewability

Lifetime

    Lifetime

Add-ons/Optional Covers

Maternity Cover, Unlimited Restore Benefit, Medical Equipment Cover and more

Optional cover for treatment in India, Waiver of Co-payment, Change in Pre-Existing Disease Waiting period and more

Tax Benefits*

Up to ₹1 lakh* under Section 80D of the Income Tax Act

Up to ₹1 lakh* under Section 80D of the Income Tax Act

Digital Convenience

    Online policy management

Online policy management

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

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Premium starting at Premium starting at Premium starting at

Key Inclusions and Exclusions of IndusInd Individual Health Insurance

IndusInd General Insurance offers one of the best individual health insurance plans in the market, with wide coverage and transparency regarding inclusions and exclusions. You must carefully read the inclusions and exclusions of an individual insurance policy.

Inclusions

inclusion

Hospitalisation - Covers all major medical expenses during hospitalisation, including room rent, ICU, surgeon’s fees and other medical costs.

inclusion

Pre and Post Hospitalisation - Covers medical expenses up to 90 days before hospitalisation and up to 180 days after discharge (under the Reliance Health Infinity Plan). 

inclusion

Daycare Procedures - Covers medical treatments and surgeries that do not require a 24-hour stay due to recent technological advancements and innovations. 

inclusion

Ambulance Charges - Covers costs for travelling to the hospital and back home, ensuring comprehensive financial assistance for emergency medical transport. 

inclusion

AYUSH Treatment - Covers treatments under AYUSH. This gives you the flexibility to opt for alternative treatments. 

inclusion

Organ Donor Expenses - Covers medical expenses for the organ donor during organ transplant procedures, easing the financial burden associated with organ donation procedures.

Exclusions

exclusion

Pre-existing Conditions - Conditions existing before the policy start date have a waiting period, which can be reduced with add-ons.

exclusion

Cosmetic Procedures - Unnecessary procedures for appearance enhancement, like plastic surgery, are excluded unless accident-related.

exclusion

Self-inflicted Injuries - Injuries due to attempted suicide or self-harm are not covered in the individual mediclaim policy.

exclusion

Substance Abuse - Treatments arising out of the use of alcohol, drugs or other intoxicants are not covered.

exclusion

Illegal Activity - Injuries or illnesses incurred from illegal activities are not covered in single health insurance plans.

exclusion

War and Nuclear Risks - Any claims arising from war, invasion or explosion of nuclear materials are not included.
Understanding these key inclusions and exclusions can help you make informed decisions about the best medical insurance plans for individuals.

Eligibility Criteria for Individual Health Insurance

Understanding the eligibility criteria when buying individual health insurance online is important to finding the right plan and ensuring smooth processing. This knowledge helps you choose the best policy that fits your needs and circumstances.

Eligibility

Specifications

Age

18 - 65 years of age


Note: Dependent child (aged 91 days to 25 years) can be insured under our family floater health insurance plans

Nationality

Indian

Medical History

Your current health and medical history

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

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Premium starting at Premium starting at

How to Buy Individual Health Insurance Policy Online?

IndusInd General Insurance offers a seamless and hassle-free process to purchase individual health insurance online. Follow these steps to secure your individual medical insurance:

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Guidelines
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Step 1

Visit the website and navigate to the ‘Health Insurance’ section.
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Step 2

Enter your mobile number, name and pin code, and after that, click ‘View Prices’.
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Step 3

Select who you wish to cover - self, family, parents, or in-laws. Choose the type of coverage you need, such as hospitalisation, hospitalisation + OPD, maternity, global or top-up.
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Step 4

Select your sum insured, add-ons and policy tenure to tailor the plan to your specific needs.
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Step 5

Provide all necessary personal details, make the payment online through secure payment options, and receive your policy via e-mail.

How to Renew Individual Health Insurance Policy Online?

You can renew your individual health insurance policy online through the IndusInd General Insurance website or the IndusInd Self-i app. Follow these simple steps for a hassle-free individual health insurance renewal:

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On the website:

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Visit the Renewal Section

On the IndusInd General Insurance homepage, navigate to Renewal > Health Insurance.
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Enter Policy Details

Input your individual medical insurance policy number and its expiry date.
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Complete Payment

Click “Go” and follow the payment instructions to complete the renewal process.

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On the Self-i App:

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Download the App

Download the IndusInd Self-i app from the app store.
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Access Your Policy

As an existing customer, log in to the app to access all your policy details.
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Renew Your Policy

Select the individual health insurance policy you want to renew and complete the payment process.

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Factors to Consider Before Choosing Individual Health Insurance

Here are some of the key factors to consider before selecting an individual health insurance policy:

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Coverage Options

Check if your policy covers a range of medical expenses, including planned and emergency treatments, OPD and daycare procedures.

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Premiums

Compare premiums across different individual health insurance companies. Prefer plans that offer extensive coverage at affordable rates.

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Network Hospitals

Check for your insurer’s list of network hospitals. A vast network ensures timely treatment during medical emergencies.

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Claim Settlement Ratio

Choose an insurer with a high claim settlement ratio. This ensures that your claims will be settled without problems.

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Customer Reviews

Before you buy personal health insurance, read the company's customer reviews and testimonials to make an informed decision.

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Add-ons

Select policies that offer add-ons. This will help you enhance your existing policy as per your healthcare requirements.

Consider these factors to determine if individual health insurance is worth buying for your needs. This will ensure comprehensive coverage and peace of mind.

Difference between Group Health Insurance and Individual Health Insurance

Choosing between group health insurance and individual health insurance depends on various factors, including your employment status, personal health needs, and financial considerations. Here is a detailed comparison to help you understand the key differences and make an informed decision.

Feature

Individual Health Insurance

Group Health Insurance

Sum Insured Flexibility

Customisable as per individual need.
For example, Reliance Health Infinity offers coverage up to ₹5 Crore

 

 

Predetermined by employer/group.
The sum insured is lower but covers a larger group of people

Coverage Scope

    Covers the individual and family members opted for

Covers all employees/members of the group and their families under the same policy, such as Reliance Group Mediclaim

Premium Payment

Paid by the individual

Paid by the employer/group

Policy Customisation

Higher flexibility in plan selection, with options to add riders

Standard plan for all members with limited customisation options

Waiting Period for Pre-Existing Diseases

Shorter or as per policy terms

Generally shorter or waived, especially in corporate plans like IndusInd Group Mediclaim

Renewability

Lifelong renewability, ensuring continuous coverage regardless of employment status

Tied to employment or membership, coverage stops when employment ends

Maternity benefits

Available based on the chosen plan. For example, IndusInd Health Infinity offers comprehensive coverage, including pre and post-natal care, delivery expenses, and newborn care, ensuring extensive support during maternity

Often included in group policies with immediate coverage in some cases

Network hospitals

Access to an extensive network of over 10,000 hospitals

Depends on the group policy but usually includes a wide network of hospitals

Tax benefits

Tax deductions up to ₹25,000* for individuals and ₹50,000* for senior citizens. If you are paying premiums for yourself and your senior citizen parents, the total deduction can go up to ₹1 lakh*

Benefits are mostly to the employer, but employees can also claim deductions on the premium they pay

Claim process

Directly involves the individual. Reliance General Insurance offers a simple claim process

Managed by the employer/group. This can simplify the process for employees

Portability

Easy portability between individual medical insurance plans, ensuring continuous coverage.

Limited to group policy terms; may not be easily portable to an individual policy

Reliance’s online set up helps ease the process of purchasing a health plan.

Features Features Features
Premium starting at Premium starting at Premium starting at

By understanding the key differences between group health insurance and individual health insurance, you can make an informed buying decision based on your specific needs and circumstances.

Difference between Individual Health Insurance and Family Floater Health Insurance

It is critical to assess your health insurance needs before buying any policy online. The table below provides key differences between individual health insurance and family floater health insurance to help you make an informed decision:

Features

Individual Medical Insurance

Family Floater Health Insurance

Coverage Scope

Covers only the individual policyholder

    Covers the entire family under a single policy

Flexibility

High flexibility with options to add riders and customise the policy as per personal requirements.

Less flexibility as the policy is standardised for all family members

Renewability

Lifelong renewability, allowing continuous coverage regardless of age or health status

Typically tied to the head of the family's coverage.

Maternity benefits

For example, Reliance Health Infinity offers pre and post-natal care, delivery expenses, and newborn care, which ensure extensive support during maternity

Maternity benefits are often available in family floater plans, providing coverage for pregnancy and childbirth-related expenses

Network hospitals

Access to a wide network of over 10,000 hospitals providing cashless facilities

Similar network access, providing cashless facilities for all insured family members

Tax Benefits*

    The individual policyholder avails tax deductions

Tax benefits are availed by the proposer, and not all family members

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features Features Features
Premium starting at Premium starting at Premium starting at

Compare Individual Health Insurance Plans Online

Buying an individual health insurance requires careful deliberations. Comparing individual health insurance plans online can help you select a policy that offers the required value, coverage and benefits. The table below compares individual health insurance plans offered by Reliance General Insurance and other insurers in the market.

Feature

IndusInd Individual Health Insurance Policy

Individual Medical Insurance by Other Insurers

Coverage Option

Comprehensive coverage for planned & emergency hospitalisations, daycare procedures, modern treatments, ambulance charges and more

Basic coverage, which is often limited to hospitalisation and fewer outpatient services

Sum Insured Options

Up to ₹5 Crore (IndusInd Health Infinity) and USD 1 Million (IndusInd Health Global)

Up to ₹1 Crore

Premium Cost

Starting at ₹243* per month

Starting at ₹300 - ₹500 per month

Network hospitals

10,000+ hospitals and 'Cashless Everywhere' feature

    8,700+ cashless hospitals

Pre and Post-Hospitalisation

Up to 90 days pre and 180 days post-hospitalisation covered.

Up to 60 days pre and 90 days post-hospitalisation covered.

Maternity benefits

Available (e.g., Health Infinity). It offers comprehensive coverage, including pre and post-natal care, as well as expenses for delivery and newborn care, ensuring extensive support during maternity.

May not be available

Initial Waiting Period

Minimum 15 days

Minimum 30 days

Guaranteed cumulative bonus

Up to 100%

May or may not be available

Critical Illness Cover

No pre-screening required

Usually required

Unlimited Reinstatement

Available

May or may not be available based on the plan

Co-Payment

Optional

Fixed co-payment

Room Rent Limit

No limit

Pay extra to upgrade

COVID-19 Coverage

All plans

Selected plans

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features Features Features
Premium starting at Premium starting at Premium starting at

How Much Individual Health Insurance Coverage Should You Have?

Determining the right amount of individual health insurance coverage is crucial to ensure you are adequately protected against medical expenses. Here are a few factors and examples to help you decide the appropriate coverage based on different age brackets and circumstances:

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Young Adults (20-30 years)

Coverage Recommendation: Typically, young adults can opt for an individual health insurance plan with coverage starting from ₹5 lakhs.

 

Reasoning: The likelihood of falling seriously ill is lower at this age, so a basic coverage amount is usually sufficient. This allows for affordable premiums while still providing financial security.

 

Example: If you are 25 years old with an annual income of ₹10 lakhs, individual medical insurance with a coverage of ₹5-10 lakhs would be adequate.

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Middle-Aged Adults (30-50 years)

Coverage Recommendation: Individuals in this age group should consider coverage of at least ₹10-20 lakhs.

 

Reasoning: Medical needs and risks start to increase in this age bracket. Additionally, many may have dependent family members, increasing the need for higher coverage.

 

Example: A 40-year-old with an annual income of ₹20 lakhs might opt for a coverage amount of ₹10-20* lakhs to ensure comprehensive protection for themselves and their family.

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Senior Citizens (Above 50 years)

Coverage Recommendation: Senior citizens should ideally have a health insurance policy with a coverage of ₹20-50 lakhs or more.

 

Reasoning: Medical expenses tend to rise significantly with age due to increased healthcare needs. It’s crucial to have a high sum insured to cover potential surgeries and hospitalisations.

 

Example: For a senior citizen, bypass surgery alone can cost up to ₹2 lakhs. Hence, it is advisable to have coverage of at least ₹20-50 lakhs to ensure sufficient financial protection.

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Families

Coverage Recommendation: For a family of four, a family floater plan with a sum insured of ₹10-15 lakhs is recommended.

 

Reasoning: Family floater plans provide coverage for all members under a single sum insured, which any member of the family can utilise.

 

Example: For a family comprising two adults and two children, a health insurance policy with a coverage of ₹10-15 lakhs ensures that the family is well-protected against medical emergencies.

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Reliance General Insurance

Aapke Protection ka All-rounder

Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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