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Health Insurance Plans from ₹382/Month
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Coverage up to ₹5 crore
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10,000+ network hospitals
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20+ add-ons available
Individual Health Insurance
Rising medical costs and unexpected health emergencies can place a significant financial strain, often disrupting savings and long-term plans. Even a short hospital stay can lead to heavy out-of-pocket expenses for diagnostics, treatment, medicines and recovery care. This uncertainty makes it difficult to plan ahead, especially when healthcare needs arise without warning. Individual health insurance addresses this concern by providing a reliable safety net, ensuring that quality care remains accessible without the stress of unexpected expenses.
At IndusInd General Insurance, we offer individual health insurance policies that cover hospitalisation, pre- and post-hospitalisation expenses and more. With sum insured options ranging from ₹50,000 to ₹5 crores, you can select coverage that suits your medical needs and financial comfort.
Complemented by affordable premiums, quick claims registration via the IndusInd Insurance app and cashless treatment at over 10,000 network hospitals* across India, our individual health insurance plans help mitigate the financial impact of medical emergencies. This ensures timely access to quality healthcare when you need it most.
Our individual health insurance policies provide all-around protection, covering everything from inpatient hospitalisation and day care procedures to ambulance charges, pre- and post-hospitalisation, organ donor expenses and even home treatment, ensuring comprehensive support across every stage of care.
AYUSH & Modern Surgery
100% SI coverage for both.
Up to 40% Discount
More protection at lower costs.
Unlimited SI Restoration
Unlimited comprehensive coverage.
20+ Add-On Covers
Choose coverage as per needs.
What is Individual Health Insurance?
Individual health insurance is designed for people who want complete medical coverage for themselves under a single, dedicated policy. It helps cover the cost of treatment if the insured is diagnosed with an illness or suffers an injury that requires hospitalisation, inpatient care, day care procedures and related medical services. Instead of relying on limited employer coverage or family plans, an individual policy provides targeted protection that aligns with personal healthcare needs and budget.
For example, if you are suddenly admitted to the hospital due to a severe infection and require surgery followed by a few days of recovery care, your personal health insurance plan will step in to cover hospital bills, doctor’s fees and treatment costs, reducing the financial pressure during a critical time.
Benefits of Individual Health Insurance
While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.
Financial Protection
Medical emergencies hurt your health as well as your finances. Medical insurance for individuals covers a range of medical expenses, including diagnostic tests, doctor consultations, ambulance services and more. This reduces out-of-pocket costs, ensuring your savings stay intact.
Tax Savings
According to Section 80D of the Income Tax Act, you can claim a tax deduction on the premium paid for your individual health insurance. The deduction can go up to ₹1 lakh* if both you and your parents are senior citizens, helping you lower your taxable income.
Access to Preventive Care
Most health insurance plans for individuals provide coverage for preventive care, such as vaccinations and annual health check-ups. This encourages regular monitoring of your health and supports early detection and timely management of potential medical conditions.
Personalised Coverage
With an individual health insurance policy, you can choose coverage based on your age, health condition and budget. This flexibility allows you to customise benefits and sum insured, ensuring the plan matches your personal medical needs and financial priorities.
Coverage for Alternative Medicine
Many medical insurance plans for individuals 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.
Cashless Treatment
Individual health insurance plans from IndusInd General Insurance give you access to a large number of network hospitals through the Cashless Everywhere facility. This helps you avoid large upfront expenses and ensures a seamless experience during critical situations.
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Who Should Buy Individual Health Insurance?
Young Professionals
If you are starting your career, medical insurance for individuals helps you build early financial protection. Medical costs can be high even for minor treatments, and having your own policy ensures you are covered without depending on employer benefits.
Self-Employed Individuals
Freelancers and business owners usually do not receive company-sponsored health cover. An individual policy gives you reliable protection against hospital expenses and unexpected medical emergencies.
People with Changing Jobs
If you switch jobs often, your employer-provided insurance may change or stop. Individual health insurance offers continuous coverage, no matter where you work.
Single Adults Living Independently
When you manage your own finances, medical bills can impact your savings. An individual plan protects you from sudden healthcare costs and supports better financial planning.
Those with Specific Health Needs
People with chronic conditions, regular medications or a history of medical treatments benefit most from individual health insurance as it offers tailored coverage by letting you choose the sum insured and add-ons for complete financial protection.
Key Features of IndusInd Individual Health Insurance
Key Features |
Details |
|---|---|
Premiums |
Starts at ₹243 per month* |
Discounts |
Up to 40% + cumulative bonus |
Medical Cover |
Up to ₹5 crore |
Global Sum Insured |
Up to $1 million |
SI Restoration/Reinstatement |
Unlimited |
Renewability |
Lifelong |
Quick Claims |
Settled in 4 hours |
Network Hospitals |
Over 10,000 |
Add-Ons & Optional Riders |
20+ add-ons |
Disclaimer: The coverage features, prices and discount rates stated in the table are subject to change. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.
Individual Health Insurance Plans by IndusInd General Insurance
IndusInd Health Infinity Insurance
IndusInd Health Infinity Insurance offers extensive health coverage with sum insured options up to ₹5 crore, making it ideal for individuals and families seeking comprehensive protection.
The policy provides attractive benefits such as a Policy Tenure Discount, giving you an extra 10% off when you pay the premium for your long-term policy in advance. Additionally, the Stay Healthy discount allows a 10% reduction in renewal premium when you share your annual health check-up results with us.
IndusInd Health Infinity Insurance also includes maternity coverage with a short waiting period of just 1 or 2 years (as opted), offering financial support for childbirth sooner than most standard policies.
IndusInd HealthGain Policy
IndusInd Health Gain is a comprehensive health insurance policy available in three variants, Plus, Power and Prime, each offering distinct benefits to suit different healthcare needs.
The policy offers wide coverage, including hospitalisation, surgeries and medical treatments. It provides flexible sum insured options ranging from ₹5 lakh to ₹5 crore.
A key highlight is the cumulative bonus, which increases your base sum insured by 33.33% for each claim-free year, subject to a maximum of 100%.
The policy also includes unlimited reinstatement of the sum insured for both related and unrelated illnesses or injuries. Additionally, the renewal premium is waived for one year upon detection of a listed critical illness.
IndusInd Health Super Top Up
IndusInd Health Super Top Up is designed to act as a strong financial backup for your healthcare needs, helping you manage high medical expenses with ease.
Once your total medical expenses in a policy year exceed your chosen deductible, the policy steps in to pay for the additional costs, offering coverage up to ₹1.3 crore. This means that when your hospitalisation bills exceed the deductible, the super top-up policy gets activated and continues covering eligible claims for the rest of the year.
The plan can also be purchased even without an existing health insurance policy, making it accessible to a wide range of individuals. Beyond high-cost hospitalisation coverage, it includes emergency air ambulance support, maternity coverage up to ₹2 lakh and diagnostic or preventive health check-ups after three continuous policy years.
IndusInd Health Global
IndusInd Health Global provides health coverage in India and abroad, with coverage of up to USD 1 million, making it ideal for frequent travellers and individuals seeking worldwide healthcare security. The policy comes in four variants, Elite, Elite+, Royal and Royal+, each providing a unique layer of protection. For instance, with the Royal and Royal+ options, you can choose coverage for planned treatments for specified illnesses like cancer, bypass surgery and more.
The policy’s global cover includes inpatient treatment, pre- and post-operative care, day-care procedures, rehabilitation and other essential services. Meanwhile, the India cover provides hospitalisation, inpatient treatment, day-care procedures, modern and home care treatments and additional benefits, ensuring complete medical support wherever you are.
IndusInd Arogya Sanjeevani Policy
IndusInd Arogya Sanjeevani Policy is a standard health insurance plan designed to cover essential medical needs at an affordable cost. It takes care of essential inpatient hospitalisation expenses such as room rent, ICU charges and doctors’ fees, along with treatment costs for approved day care procedures.
The policy also supports alternative treatments through AYUSH benefits and provides coverage for pre- and post-hospitalisation expenses for up to 90 days (including 30 days before hospitalisation and 60 days after discharge).
Under the IndusInd Arogya Sanjeevani Policy, you can choose a sum insured ranging from ₹50,000 to ₹10,00,000 (in multiples of ₹50,000), giving you the flexibility to select coverage that suits your healthcare needs.
IndusInd Hospi Care Insurance
IndusInd Hospi Care is a hospital cash benefit policy designed to provide financial support during medical emergencies. It offers a lump sum payout of 100% of the sum insured for over 150 listed surgeries* required due to illness or accidental injury, helping you manage treatment-related expenses with ease.
The policy also covers more than 140 day care procedures* that do not require prolonged hospital stays. In addition, you receive a daily cash allowance for each day of hospitalisation, which can be used for non-medical or incidental costs.
The sum insured can be chosen up to ₹10 lakh, offering flexible coverage options. To add further value, policyholders who opt for a 2- or 3-year policy term receive a 10% discount on the premium.
Disclaimer: The policy features and prices listed within this section are subject to change. For the most up-to-date information, you can always check the policy documents or contact customer support.
IndusInd Individual Health Insurance - Key Inclusions & Exclusions
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.
What is covered?
Hospital Expenses - Provides coverage for inpatient hospitalisation, pre- and post-hospitalisation costs, day-care procedures, home treatments, organ donor expenses, ambulance services, etc.
Day 1 Coverage - Offers protection from the very first day for accidents and medical emergencies, ensuring you get immediate and comprehensive medical support whenever it is needed.
OPD & Home Care Services - Covers outpatient department (OPD) expenses, including doctor visits, diagnostic tests, etc., up to ₹50,000 and extends to home treatment or nursing care of up to ₹25 lakh.
AYUSH & Modern Treatments - Covers modern treatments such as robotic surgeries and stem cell procedures along with AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy) therapies.
Accident & Illness Protection - In the event of an accident, the deductible is waived, and if you are diagnosed with a covered critical illness, your premium is waived for one year.
Global Emergency Cover - If you experience a medical emergency while traveling overseas, your inpatient, outpatient or day-care treatment costs are covered for up to 45 days with a $100 deductible, regardless of your location.
Annual Rewards - Earn a cumulative bonus of up to 50% for every claim-free year, along with a free health check-up after 3 years because good health deserves its own rewards.
What is not covered?
Non-Medical Treatments - All medically necessary expenses are covered except treatments like wellness or rejuvenation therapies and cosmetic procedures.
Lifestyle & Fertility - This policy focuses on essential care, so services like weight management procedures, fertility treatments, contraception and refractive error corrections are not included.
Legal & Statutory - Claims arising from war, nuclear activity, intentional self-injury, suicide or unlawful acts are not covered.
Outpatient & External Anomalies - We cover pre-hospitalisation OPD expenses while coverage for all OPD treatments is available through the OPD services add-on. Congenital conditions are also generally not included. For additional assistance or coverage details, reach out to us.
Waiting Period - We cover accident-related claims from day 1, but other claims have a 30-day waiting period. Pre-existing conditions and maternity expenses also have waiting periods of 3 years and 12 months, respectively, which can be reduced with an add-on.
Experimental or Unapproved Treatment - All medical treatments are covered. However, treatments not approved by the Insurance Regulatory and Development Authority of India (IRDAI) or the World Health Organisation (WHO) are not covered.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
Top Optional Add-On Covers for IndusInd Individual Health Insurance
A one-size-fits-all approach rarely works for healthcare, which is why IndusInd General Insurance provides the flexibility to enhance your individual health insurance plan with a versatile range of add-ons. Explore some of our add-ons below -
Change in Pre-Existing Waiting Period
Allows you to reduce the standard 36-month waiting period for pre-existing diseases to 24 or even 12 months*, making it a smart choice for individuals who want quicker access to coverage for existing health conditions and fewer delays in treatment.
Consumables Cover
Helps cover the cost of everyday medical supplies such as gloves, syringes, cotton and similar items, up to the full Sum Insured. Ideal for those who want to avoid frequent out-of-pocket expenses during hospitalisation.
Maternity Cover
Covers maternity-related expenses incurred in inpatient care, easing the financial burden during an important life stage. Perfect for women planning a family who want reliable coverage and better preparedness for upcoming medical costs.
Maternity Waiting Period Change
Reduces the standard waiting period for maternity cover from 3 years to 1 or 2 years. A must-have for females seeking maternity coverage sooner. Note that you need to already have the maternity add-on to opt for this cover.
OPD Cover
Protects you against medical expenses for outpatient visits, including doctor consultations, diagnostic tests, prescription medicines, dental care and minor surgeries. Suitable for those who want regular healthcare support and wish to keep related costs under control.
Change in Room Rent Limits
Lets you upgrade or adjust your hospital room category if your basic plan has a room rent limit, ensuring you are not restricted to general or shared rooms. Can be beneficial if you have a planned hospitalisation coming up.
Unlimited Restore Benefit
Restores your sum insured an unlimited number of times during the policy year once a claim is settled, so your coverage stays intact and available for future medical needs without the risk of running out.
Double Cover
Provides an additional 100% of your base sum insured over and above the original cover, which can be used for the same claim, helping you manage high medical expenses without exhausting your primary coverage.
Super Charger
Let’s your sum insured increase automatically with every policy renewal. You can choose a growth rate of 20% or 33.33%* each year, at no extra cost, allowing growth up to 100% of the original cover*.
Domestic Road Ambulance
Covers the cost of road ambulance services during medical emergencies, whether arranged by a hospital or an authorised provider, ensuring affordable transport from the emergency location to the nearest medical facility.
Air Ambulance
Indemnifies you for expenses incurred on availing air ambulance services in case of an emergency, life-threatening medical condition, ensuring swift medical transportation to the nearest hospital when immediate and specialised care is critical.
Home Care Treatment
Reimburses the cost of doctor-prescribed treatments that can be done at home, such as dialysis or chemotherapy, helping you get essential medical care comfortably at home while reducing the need for frequent hospital visits.
Voluntary Aggregate Deductible
Reduce your health premiums by paying a fixed amount of medical expenses each year yourself. Once your expenses go beyond this limit, the insurance will cover the rest.
Waiver of Co-Payment (for Senior Citizens)
Those aged 61 years or above are required to pay 20% of the claim amount, called a co-payment. This add-on waives this condition, giving you full coverage for your health needs.
Guaranteed Cumulative Bonus
Cumulative bonus increases your coverage for every consecutive no-claim year. When you opt for the Guaranteed Cumulative Bonus add-on, you can continue to enjoy your cumulative bonus even after making a claim, ensuring your coverage grows over time without losing benefits.
Companion Cover
Covers the expenses of a person accompanying you during your inpatient treatment, making sure you have support while you receive medical care.
Eligibility Criteria for Individual Health Insurance
What Do We Verify? |
Eligibility Details Required |
|---|---|
Age |
18-65 years |
Nationality |
Indian Residents |
Is a Medical Examination Needed? |
Pre-policy medical tests may be required for individuals aged 46 or older or based on the SI (Sum Insured). |
Disclosure |
Share accurate details about your lifestyle habits, such as smoking, along with your current health and medical history. |
Renewal Eligibility |
Lifelong renewability available |
How to Buy/Renew Individual Health Insurance?
Buy Online
Scroll to the top of the page to buy personal medical insurance. For a quick quote, use the calculator below.
Enter details like your name, mobile number and PIN code.
Accept the displayed terms and conditions to continue.
Click “View Prices”, compare plans and customise your coverage.
Make the payment to receive your policy instantly via email.
Renew Online
Go to the form at the top of the page and click “Renewal”. You can also tap “InstaRenew” on the IndusInd Insurance app.
Enter your policy number or registered mobile number.
Click “Send OTP” to verify and proceed.
Review your policy details and make changes if required.
Pay online to renew your individual insurance plan.
Factors to Consider Before Buying Individual Health Insurance
Sum Insured
The sum insured is the maximum your policy will cover for medical expenses. Choosing the right amount helps you avoid out-of-pocket stress during major treatments.
IndusInd General Insurance offers health insurance plans for individuals with coverage ranging from ₹50,000 to ₹5 crores*, letting you pick a plan that fits your healthcare needs.
Competitive Premiums
Selecting a health insurance plan with affordable premiums helps you stay consistently covered without financial stress, making it easier to include essential add-ons or a higher sum insured.
IndusInd General Insurance offers plans at competitive premiums with up to 40% discount*, ensuring you get value for money.
Policy Inclusions and Exclusions
Checking your policy’s inclusions and exclusions is crucial because it helps you choose a plan that meets your specific needs.
For instance, if you have an existing medical condition, having pre-existing disease coverage can be highly beneficial, ensuring you are protected when you need it most. This clarity also helps avoid unexpected out-of-pocket costs and ensures smoother claim settlements.
Network Hospitals
A wide hospital network is a key feature of the best individual health insurance, as it allows you to get cashless treatment quickly and conveniently, minimising out-of-pocket expenses.
IndusInd General Insurance has over 10,000 network hospitals* across India, which you can easily locate using the IndusInd Insurance app or the hospital locator. In addition, we offer a Cashless Everywhere facility, which lets you access cashless treatment even at hospitals outside our network, ensuring you receive timely care wherever you are.
View all the important criteria’s for this plan
Notify Us Promptly
Planned hospitalisation? - Inform us at least 48 hours before hospitalisation.
Emergency? - Inform us within 24 hours of hospitalisation.
How to Contact Us?
Email - services@indusindinsurance.com
Website - https://transact.indusindinsurance.com/
Phone - 022-4890 3009/022-4111 2600
App - IndusInd Insurance app
Courier - IndusInd General Insurance
3rd Floor, Krishe Block, Krishe Sapphire
Madhapur, Hyderabad - 500081
Cashless Treatment at Network Hospitals
After you notify, IndusInd General Insurance will -
1. Use the locator tool below to find your nearest network hospital.
2. Verify your policy and share the approval with the hospital.
3. Inform the hospital of any missing documents within 4 hours.
4. Reject or notify you if the treatment is not covered.
Cashless Treatment at Authorised Non-Network Hospitals
The Cashless Everywhere feature lets you access cashless hospitalisation even at non-network hospitals.
Cashless claims can be availed through the IndusInd health claims team, using the contact details on your health card -
Submit the required documents to IndusInd Healthcare at healthcare@indusindinsurance.com
The IndusInd Healthcare Team will coordinate cashless approval if eligible.
Reimbursement Claims (Any Hospital)
If cashless is not approved, you can opt for reimbursement.
Fill and sign the claim form.
Submit the required documents within 15 days of treatment.
We will process and pay the approved amount, typically within 15 days*
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
Key Takeaways
In a world where medical costs are rising faster than we can often keep up with, having a solid health plan is not just a nice-to-have; it is a basic necessity for financial survival.
Unexpected illnesses can easily drain years of hard-earned savings in just a few days. This is exactly where IndusInd General Insurance steps in to bridge the gap, offering a diverse range of medical insurance plans for individuals starting at an incredibly affordable premium of ₹243/month.
Whether it is standard hospitalisation, quick day care procedures or specialised AYUSH and modern treatments, the coverage is extensive and dependable.
With over 20 add-ons, you can tailor your policy to suit your specific needs. And if you require protection beyond India, IndusInd Health Global extends your coverage worldwide, ensuring you are safeguarded wherever you go.
On top of this, you can enjoy tax benefits of up to ₹1 lakh under Section 80D and the security of lifelong renewability. Together, these features make IndusInd Health Insurance a comprehensive, flexible and reliable solution that not only protects your health and finances but also provides complete confidence and support, whether at home or abroad.
Health insurance starting at just ₹382 per month*!
From Hospital to Home, We’ve Got You Covered!
Access quality medical care without worrying about medical costs. With IndusInd General Insurance, you're covered from health checkups to surgeries!
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