Individual health insurance is a policy that provides medical coverage for a single person. By purchasing this policy, you pay regular premiums to the insurance provider, who in turn, covers your medical expenses as per the policy terms. This insurance typically includes coverage for hospitalization, surgeries, doctor consultations, diagnostic tests, and medication costs. Many individual health insurance plans also offer benefits such as pre- and post-hospitalisation expenses, daycare procedures, and emergency ambulance services. Individual health insurance acts as a financial safety net, helping you manage unexpected medical expenses and ensuring access to quality healthcare without financial stress.
Health insurance policy is a prudent step to protect your family from unforeseen medical expenses.
Select the family members you want to insure
Select age of your family members
1
Choose a plan that fits your personal health needs, age, and lifestyle.
2
Covers high medical expenses like hospitalization and surgeries, reducing out-of-pocket costs.
3
Includes medical expenses before and after hospitalization, such as tests and follow-ups.
4
With insurance in place, you can choose better hospitals and treatments without compromising due to cost concerns.
5
Enjoy tax deductions on premiums paid under Section 80D of the Income Tax Act.
6
Stay stress-free knowing your healthcare expenses are covered when you need them most.
Individual health insurance offers dedicated coverage tailored specifically to your personal healthcare needs. Unlike family plans, the entire sum insured is reserved for you, ensuring full access to benefits whenever required. It protects you from rising medical costs by covering expenses such as hospitalization, treatments, and surgeries without draining your savings. With access to cashless treatment at network hospitals, you can focus on recovery instead of arranging funds during emergencies. Individual health insurance also provides flexibility in choosing coverage, add-ons, and sum insured based on your lifestyle and health condition. Additionally, it offers tax benefits under Section 80D and gives you peace of mind, knowing you are financially prepared for unexpected medical situations.
An individual health insurance policy works by covering your medical expenses in exchange for a regular premium paid to the insurer. You start by selecting a health insurance plan based on your age, health condition, and coverage requirements. Once the policy is active, you pay the premium on time to keep the coverage valid. If you need medical treatment, you can choose a network hospital and opt for cashless hospitalization, where the insurer settles eligible bills directly with the hospital. If treatment is taken at a non-network hospital, you can pay the expenses upfront and later apply for reimbursement. The policy covers expenses such as hospitalization, surgeries, doctor consultations, and pre- and post-hospitalization costs, as per the policy terms and conditions. Any exclusions, deductibles, or co-payments mentioned in the policy will apply. This ensures you receive quality medical care without facing financial stress during health emergencies.
Choose an adequate sum insured that can cover rising medical and hospitalization costs in your city.
Check what the policy covers, including hospitalization, pre- and post-hospitalization expenses, daycare procedures, and ambulance charges.
Understand waiting periods for pre-existing diseases, specific treatments, and maternity benefits before buying the policy.
Ensure the insurer has a wide network of hospitals near your location for easy cashless treatment.
Carefully review what is not covered under the policy to avoid surprises at the time of claim.
Choose an insurer with a good claim settlement record for a smoother and faster claim process.
Look for optional benefits like critical illness cover, room rent waiver, or no-claim bonus for enhanced protection.
| What Is Covered | What Is Not Covered | |
|---|---|---|
1 | Hospitalisation Expenses – Inpatient costs such as room rent, nursing charges, medical procedures, and related hospital expenses | Self-Inflicted Injuries – Expenses arising from intentional self-harm or attempted suicide |
2 | Pre & Post-Hospitalisation – Medical expenses incurred up to 60 days before and 90 days after hospitalisation, including consultations, tests, and medicines | Pre-Existing Diseases (Waiting Period) – Treatment costs for pre-existing conditions before the completion of the waiting period |
3 | Day Care Procedures – Treatments that do not require 24-hour hospitalisation, such as cataract surgery | Alcohol or Drug Abuse – Medical expenses related to substance or alcohol abuse |
4 | Domiciliary Hospitalisation – Home treatment expenses when hospitalisation is not possible | Cosmetic Treatments – Cosmetic or aesthetic procedures unless medically required due to an accident |
5 | Preventive Health Check-Ups – Periodic medical check-ups including blood tests and ECG | Obesity Treatments – Expenses related to weight-loss or obesity control procedures |
6 | Organ Donor Expenses – Medical and surgical costs for organ transplant donors | HIV/AIDS Treatment – Medical expenses related to HIV/AIDS treatment |
7 | AYUSH Treatments – Coverage for Ayurveda, Yoga, Unani, Siddha, and Homoeopathy | - |
Bima Street simplifies the process of choosing and managing your individual health insurance. We help you compare multiple health insurance plans from leading insurers based on your needs and budget. Our experts guide you at every step from selecting the right policy to understanding coverage details, inclusions, and exclusions. Once you choose a plan, we assist you with the policy purchase and documentation. During claims, our dedicated support team helps you with the claim process, ensuring a smooth and hassle-free experience. With Bima Street, you get transparent advice, expert support, and continued assistance throughout your insurance journey.
Anyone looking for personal and dedicated health coverage, including professionals and senior citizens.
It covers hospitalisation, pre & post-hospitalisation expenses, daycare procedures, and ambulance charges.
Yes, after completing the waiting period mentioned in the policy.
You can get treated at a network hospital where the insurer settles eligible bills directly.
Yes, premiums qualify for tax benefits under Section 80D of the Income Tax Act.
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Support mail: -
Claim mail: -
For Other Query: -
Phone Number: -
Corporate Office :-
Website approved by IRDA(Govt. of India),
ISNP Ref:
IRDA License Number:
Licensed on:
Valid Upto:
Disclaimer:
© 2026 - All Rights Reserved