Individual Health Insurance
Comprehensive individual health insurance plans to cover hospitalization, surgeries, and medical expenses for you and your family.
Retail Health Insurance Plans
Retail Health Insurance Plans provide dedicated medical coverage for a single person against hospitalization, treatment, surgeries, and related healthcare costs, with benefits like pre- and post-hospitalization expenses, ambulance charges, cashless treatment at network hospitals, and optional add-ons such as critical illness, maternity, and OPD benefits.
Key Features
Lifetime renewability
Stay covered without age limits—renew your policy for life.
Customizable sum insured options
Select a sum insured that matches your healthcare needs and financial comfort.
Wellness & fitness rewards
Unlock rewards and benefits when you take proactive steps towards better health.
Pre-existing condition coverage
Get coverage for pre-existing conditions after completion of the applicable waiting period.
Comprehensive Coverage Includes
Business we associate with
Your Questions,
Answered
"From choosing the right policy to making a claim, we've answered your most common questions."
You have different questions? Our team will answer all your questions. We ensure a quick response.
What is Retail Health Insurance?
Retail health insurance is a policy purchased by individuals or families to cover medical expenses, including hospitalization, treatments, and related healthcare costs.
Who should consider buying a retail health insurance policy?
Anyone seeking independent health coverage—whether individuals, families, or senior citizens—can opt for an retail health insurance plan.
What types of plans are available under individual health insurance?
Individual Health Plans, Family Floater Plans, Senior Citizen Plans, and Critical Illness Plans.
What expenses are covered under individual health insurance?
Coverage typically includes hospitalization expenses, pre- and post-hospitalization costs, daycare procedures, ambulance charges, and sometimes domiciliary treatments.
How does a family floater plan work?
A family floater plan offers a single sum insured that can be shared among all insured members under one policy.
Are pre-existing diseases covered?
Yes, pre-existing conditions are covered after a defined waiting period as specified in the policy.
What is a waiting period in health insurance?
It is the duration during which certain illnesses or treatments are not covered. Coverage becomes effective after this period ends.
How are claims settled under individual health insurance?
Claims can be settled through cashless treatment at network hospitals or reimbursement by submitting medical bills and documents.
What factors affect the premium of an individual health insurance policy?
Premium depends on age, medical history, sum insured, lifestyle, and selected add-ons.
Are tax benefits available for individual health insurance?
Yes, premiums paid qualify for tax deductions under Section 80D of Income Tax Act, subject to applicable limits.
Can the policy be renewed for life?
Most individual health insurance policies offer lifelong renewability, provided premiums are paid on time.
Can I customize my policy with add-ons?
Yes, you can enhance your coverage with add-ons such as maternity cover, critical illness cover, room rent waiver, and personal accident cover.