Individual

Health Insurance

Individual health insurance is designed to cover the medical expenses of a single person. It provides financial protection against healthcare costs such as hospitalization, diagnostics, surgery, and post-treatment care. Since the coverage is exclusive to one individual, the entire sum insured remains available for their specific healthcare needs - unlike family floater plans, where coverage is shared among members. The premium and coverage are tailored to your age, health history, and city of residence.

Choose plans from a bouquet of products - 140+ policies, 40+ insurers, 8500+ Network Hospitals

Highlights of Individual
Health Insurance

Tailored health plans

₹5 lakhs coverage from ₹12/day

Dedicated sum insured

20+ insurers, 100+ plans

Tailored to your health needs

Lifelong policy renewals

Most Popular Individual Health Insurance Plans

Star Comprehensive

Health Returns TM

Stay active and get up to 30% of your premium as HealthReturnsTM

Expert Health Coach

For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation

4.5

ReAssure 2.0 Bronze+ (Direct)

Assisted Reproductive

Pays for medically necessary expenses incurred towards Assisted Reproductive Treatment, where indicated for sub-fertility

Unlimited E-Consultation

Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication

4.5

ReAssure 2.0 Platinum +

Booster+

5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times of Base Sum Insured

Unlimited E-Consultation

Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication

4.5

Star Comprehensive

Health Returns TM

Stay active and get up to 30% of your premium as HealthReturnsTM

Expert Health Coach

For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation

4.5

ReAssure 2.0 Bronze+ (Direct)

Assisted Reproductive

Pays for medically necessary expenses incurred towards Assisted Reproductive Treatment, where indicated for sub-fertility

Unlimited E-Consultation

Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication

4.5

ReAssure 2.0 Platinum +

Booster+

5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times of Base Sum Insured

Unlimited E-Consultation

Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication

4.5

Star Comprehensive

Health Returns TM

Stay active and get up to 30% of your premium as HealthReturnsTM

Expert Health Coach

For guidance on medical, nutritional, fitness, mental counselling session, homeopathy teleconsultation

4.5

ReAssure 2.0 Bronze+ (Direct)

Assisted Reproductive

Pays for medically necessary expenses incurred towards Assisted Reproductive Treatment, where indicated for sub-fertility

Unlimited E-Consultation

Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication

4.5

ReAssure 2.0 Platinum +

Booster+

5x Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times of Base Sum Insured

Unlimited E-Consultation

Offers unlimited e-consultations with qualified General Physicians at our network during the Policy Year through any mode of communication

4.5

Eligibility Criteria For Individual Health Insurance

Criteria

Details

Minimum Entry Age

Starts from 18 years

Policy Term

1, 2, or 3 years (Renewable for life)

Renewability

Lifetime renewability

Medical Check-up Requirement

May be required for individuals above 45 years or with pre-existing conditions

Nationality

Indian residents and Non-Resident Indians (NRIs) residing in India can apply

Pre-Existing Conditions

To be declared at the time of purchase; subject to waiting period

Documentation Required

Government-issued ID proof, age proof, address proof, recent photo, and health declaration/report if needed

What’s Covered Under Individual Health Insurance

Understanding what your health insurance policy includes and excludes helps you make informed decisions and avoid surprises at claim time. These are typically covered under most individual health insurance plans:

Inclusions

Inclusions

Description

Hospitalization Expenses

Covers room rent, nursing charges, doctor’s fees, and ICU charges.

Pre & Post Hospitalization

Medical costs incurred 30–60 days before and 60–180 days after admission.

Daycare Procedures

Includes minor surgeries or treatments that do not require 24-hour hospitalization.

Diagnostic Tests & OPD

Covers prescribed diagnostic tests and outpatient consultations (if opted for).

Surgeries & Medical Procedures

Costs for medically necessary surgeries, including organ transplants.

Cashless Treatment

Available at network hospitals without upfront payment.

Ambulance Charges

Covers emergency road ambulance services, subject to sub-limits.

What’s Not Covered And What’s Not Under Individual Health Insurance

These conditions or services are generally not covered under a standard individual policy:

Exclusions

Exclusions

Description

Pre-existing Conditions (initially)

Covered only after the applicable waiting period.

Cosmetic & Aesthetic Procedures

Surgeries like Botox, plastic surgery, or dental unless medically necessary.

Self-inflicted Injuries

Injuries due to intentional harm or attempted suicide are not covered.

Alternative Therapies (non-AYUSH)

Unregistered therapies not approved under AYUSH are typically excluded.

Congenital Diseases

Some congenital anomalies may be excluded depending on the policy terms.

War or Nuclear-related Injuries

Injuries arising from war, rebellion, or nuclear contamination are excluded.

Unproven Treatments

Experimental or investigational treatments not supported by medical evidence.

Ask Anything as We Have Answers to Everything in Insurance

The minimum age of entry is 5 years, while the maximum age of entry is 65 years.

Buying insurance through PayBima is a quick and easy process. Just fill in your basic details and get instant quotes from leading insurance companies. Compare among the various plans on offer and choose the one that best suits your requirements. Fill up the proposal form, make payment and your policy will be issued instantly.
PayBima focuses on bringing you all the information you need about insurance policies under one umbrella. You can find terms and conditions on different policies in an easy-to-read format.

When you fill-up the proposal form, a host of diverse policy options are brought to you. You can explore them at your own pace and shortlist the ones best suited to your insurance needs. The website offers you a wide range of options for insurance policies to choose from with a stress-free buying experience.
Once shortlisted, PayBima allows you to compare insurance online to see their benefits and shortcomings. Choose the one that offers you the maximum benefits. After finalising the best policy for yourself, you need to fill in your additional details. You can make payment and buy the policy on the PayBimaportal without being directed to any other website.

An individual health insurance plan offers individualised security against unforeseen medical costs for people looking for customised health care coverage in India. These plans have a lot of different choices so that they can fit everyone's wants.

It pays for hospital stays, lab tests, and emergency medical care, so you won't have to worry about money when you have a health problem. The plan is flexible, so you can change the coverage levels and add extra riders to fit your needs.

An individual health insurance plan is dependable due to its affordable fees and prompt claim payments. In general, this plan is necessary to protect your health and your finances. It gives you complete security that fits your budget and way of life.

An individual health insurance plan pools monthly payments to pay for medical costs when they arise. People who have policies in India can use it as a safety net. There is a clear process that an individual health insurance plan follows.

People with insurance pay regular fees that go into a pool that handles healthcare costs.
When someone needs medical care, claims are handled based on coverage limits and premiums. These help make sure that services require no cash or repayment.
The plan also includes pre-authorisation steps for expensive treatments, which makes managing claims easier.
This individual health insurance plan makes getting good medical care easier by spreading out the costs and risks. It helps give you peace of mind and protects your finances in a medical emergency.

The individual health insurance policy gives you a specific way to handle your medical costs. It keeps financial problems from getting in the way of people's health and happiness.

This coverage covers various medical services, such as hospital stays, treatments, and tests. It gives consumers flexible choices to pick coverage that fits their health needs and budgets.

It's appealing because it has benefits like care at network hospitals and quick claim settlement. An individual health insurance policy is an essential financial tool that protects your health and future by providing a reliable shield against rising medical expenses.

To find the best individual health insurance plan, you need to carefully consider coverage, perks, and how reliable the provider is. By following these steps, find the best individual health insurance plan for your needs:

First, compare important factors like premium prices, policy limits, and claim settlement rates.
Review the policy's details, such as its limitations and extra benefits, to get complete security.
Read reviews from customers and professional advice to get an idea of the quality of the service and how well it works.

Ultimately, picking the best individual health insurance plan means weighing the costs of different plans against the benefits they offer. It gives you strong financial security and good medical care when you need it the most. The experts at Paybima will help you to choose the plan which best suits your needs.

How much an individual health insurance plan costs depends on their age, the coverage they need, and the benefits they want. Paybima's individual health insurance usually costs between INR 5,000 and INR 20,000 per year. Most plans cost about INR 12,000 a year on average.

Pre-existing illnesses, the amount of coverage, and any extra riders can affect the premiums. This health insurance is a cost-effective way to get complete medical care thanks to its competitive prices and flexible choices.

Clear prices and in-depth reviews of policies help you make a smart choice about how to spend your money. Overall, individual health insurance ensures that people get reasonable care without worrying about how to pay for it. Making this choice to protect your health is smart and won't cost you much.

Once you decide which plan to opt for, the experts at Paybima will share quotations with you based on your individual needs and the benefits, and you can choose according to your needs.

It's easy and quick to start the application process for an individual health insurance plan online. Here are the steps that will help you do it:

Research insurance companies with a good reputation at Paybima.
You can choose to set up a meeting with the experts at Paybima or schedule a callback.
Once you speak to an advisor, they will share quotations with you for policies which best suit your needs.
Then, you can complete the online application form with complete and correct information about yourself, your medical background, and your finances.
Get the papers you need, like proof of who you are, proof of your home, and old medical records, and upload them.
Look at the different policy choices and rates to find the best individual health insurance plan online for your needs.
Make a safe payment to finish the process, then wait for proof by email or text.
If you need more information, you can contact the Paybima experts, who will assist you further.

People in India can get individual health insurance policies that cover medical costs that are specific to their needs. Here is a clear list of what an individual health insurance plan includes:

They cover everything, including hospital stays, diagnostic tests, and sometimes pregnancies and critical diseases.
People who don't have health insurance through their jobs can get an individual health insurance plan. It's perfect for workers and people who work for themselves.
Policyholders can choose the amount of coverage and any extras they need with these plans because they are flexible.
They ensure that people can get good healthcare when needed by paying for a range of medical costs and situations.
An individual health insurance plan is crucial for protecting one's finances and overall health due to its adaptability.

When you are well-prepared, getting your benefits from an individual health insurance plan can be smooth. Take a look at these steps:

In case of an emergency, you need to contact your insurance company immediately after being hospitalised. This will start the claims process for your individual health insurance plan.
However, if the hospitalisation is planned, you need to get a pre-authorisation at least 4-5 days prior to hospitalisation.

Now, the claim can either be cashless or a reimbursement.

1. Cashless claim:

In case of a cashless claim, the hospital will do the liaisoning with your insurer and get all your documents in place
You will receive final approval from the insurer at the time of discharge and will have to pay only the non-payable amount after the insurer approves the claim.
You do not need to pay anything out-of-pocket.
Once the remaining amount is paid, you can get discharged.

2. Reimbursement claim:

In case of a reimbursement claim, you need to pay the entire amount from your own pocket and then file for reimbursement.
So, you need to gather all the necessary papers, such as doctor records, bills, medications, and original discharge notes from the hospital at the time of discharge.
Then, you must fill out the claim form with all the correct information, whether online or at the provider's office.
Then, you need to send in your claim along with all the necessary proof. Make sure you keep copies of your notes and the policyholder's bank account details.
Check-in regularly with the insurance company to see how your individual health insurance plan claim is going. Also, quickly respond to any other questions.

Getting an individual health insurance plan in India is a smart way to protect your health and your money. Take a look at these strong reasons:

It's a meaningful way to protect your finances against rising medical costs and sudden health problems.
The individual health insurance plan gives you access to good medical care, such as treatment at network hospitals that doesn't cost you anything.
You can change the coverage to fit your health needs and your budget with customisable insurance choices.
Your individual health insurance plan protects you even more when you add on extras like critical illness covers.
It ensures long-term financial security and peace of mind by lowering out-of-pocket costs.
Putting money into this kind of plan is a responsible way to keep your future healthy and safe.

Anyone looking for dependable medical care in India must have an individual health insurance plan. This is why it's important:

It protects you from horrible medical bills in case of an emergency by giving you a financial safety net.
The individual health insurance plan ensures that people can get fast, high-quality medical care without paying a lot of money out of pocket.
It covers a lot of different treatments, like hospital stays, tests, and surgeries, which makes it flexible.
With add-ons, you can make your individual health insurance plan fit your needs, like covering serious diseases or baby care.
These kinds of plans improve health in general by making it easier to get preventative care and treatment early on.
This plan is an essential investment in your future in a place where healthcare costs are going up.

A lot of people want to know if their individual health insurance plan gives them tax breaks. The simple answer is yes! Here are some essential facts about tax deductions:

Under Section 80D of the Income Tax Act, you can reduce the premiums you pay for an individual health insurance plan, under the Old Tax Regime, upto INR 25000 for premiums paid for yourself, your spouse and dependent children.
You can also file an additional claim for premiums paid for dependent parents upto INR 25000, which can be upto INR 50,000 if either of your parents is more than 60 years of age.
If you are more than 60 years of age and pay premiums for your parents, who are senior citizens, then you can file a claim up to INR 1,00,000.

It is essential to keep the proper papers and other paperwork so that you can back up your claims when you file your taxes. Talking to a tax expert can help you understand any new or updated tax rules. The individual health insurance plan is a smart financial and health investment because of this benefit.

In India, having your own health insurance is a must if you want to protect your health and your funds. Individual health insurance has many advantages, including the following:

It covers hospital stays, treatments, and medical tests, so you don't have to pay as much out of pocket.
Individual health insurance plans let you change things about them to fit your wants and budget.
These plans usually come with extras like coverage for critical illnesses and pregnancy, which make total safety better.
They let you get treatment at many places without paying cash upfront, ensuring you get quick and good care.
Health perks and regular checkups may also be a part of the plan.

Ultimately, individual health insurance helps people deal with unexpected medical bills and keeps their finances stable in the long run.

If your needs change, you can switch to a different individual health insurance plan, which can be helpful. These are the most critical points:

To port your existing individual health insurance plan from one insurer to another, you need to do the same at least 45 days before the expiry of the same, at the time of renewal and not otherwise.
This way, you can continue to enjoy the benefits without losing any continuity benefits that you have already earned.
However, the waiting period clause will apply only to the additional sum assured if you also enhance your coverage.
Take a look at the waiting times and any terms about pre-existing conditions before you switch.
Get all the necessary paperwork and talk to your present and potential insurers about the move process.
Check to see if there are any fines or waiting times during the change process.

Get help from a professional at Paybima to determine which new individual health insurance plan best fits your long-term healthcare goals.

Getting individual health insurance is a smart way to protect your health and your funds. Take a look at these reasons:

It helps protect your finances against rising medical costs and sudden situations.
Individual health insurance gives people access to high-quality medical care and care that doesn't cost money at an extensive network of hospitals.
Because the plans are very flexible, you can choose the amount of coverage and extra perks that work best for you.
Having fitness programs and yearly checkups as part of individual health insurance makes it easier to get preventive care.
By covering a lot of different methods, it also helps keep long-term healthcare costs down.

Ultimately, getting individual health insurance gives you peace of mind, a safe financial future, and a better way of life.

After buying a health insurance plan, there may be a waiting time during which some services or benefits are not covered. To get good service, you need to know about the waiting time.

For most treatments, this time frame is between 30 and 90 days, but it can be longer or shorter depending on the disease.
For significant treatments like joint replacement surgeries, you might have to wait up to 4 years.
People with gallstones, cataracts, piles, fistulas, and hernias usually have to wait 1 to 2 years before they can get treatment.
If the health insurance plan covers pregnancy, the wait time can be between 9 months and 6 years. After this time, maternity costs are no longer paid.

These waiting times help ensure the health insurance plan is used for actual medical needs and not just for quick claims.

When buying an individual health insurance plan online in India, it is essential to find the right site. Paybima is a well-known and trusted site that makes the process easier and offers reasonable rates. Here's what to do:

Check out the plants at Paybima to learn about the different insurance plans and rates.
Carefully read customer reviews and policy information to understand what the coverage covers and what it doesn't cover.
You can use the platform's compare tools to find the health insurance plan that best meets your needs.
Speak to an expert at Paybima who will guide you to buy the individual health insurance plan online.
Ensure the payment method is safe for online deals and gives you several ways to pay.
Lastly, fill out the rest of the application with the correct medical and personal information to activate the individual health insurance plan online.

When picking an individual health insurance plan, knowing if it covers pre-existing illnesses is essential. Many plans cover diseases that people already have, but restrictions and waiting times may exist. Think about these things:

Most insurance companies have a waiting time before covering pre-existing illnesses, usually between 12 and 36 months.
As per the recent update from the IRDAI, the maximum waiting period for pre-existing ailments have been reduced to 36 months from the erstwhile 48 months.
Carefully read the policy to learn what conditions are considered "pre-existing" and what conditions may not be covered.
Some individual health insurance plan only cover part of the cost of medical care or charge higher fees for people who already have certain illnesses.
If you have some medical issues, you can get personalised help from the insurance company's customer service.
Check out a few different plans to find the one that gives you the most for your money.
Keep up with any changes to the terms of your policy that might affect your benefits.

Getting the most out of your Indian health insurance plan can protect your finances and ensure you get medical care when needed. Here's how to get the most out of your coverage:

Learn about the perks of your health insurance plan in the policy paper. These may include hospital stays, outpatient care, and preventive services.
Use the network of hospitals and clinics that are part of your plan to get help without paying cash.
To help file claims, keep your medical papers, bills, and medications in order.
Your insurance company will tell you how often to get checkups and other preventive screenings.
In an emergency, you should immediately call your insurance company to start the claim process.
Keep up with changes to the policy and new perks that the insurance adds.

If you take the proper steps, getting rewards from your individual health insurance plan in India is easy. What you need to do is:

Immediately notify your insurance company after hospitalisation or treatment to begin the claims process for your individual health insurance plan.
Get all the papers you need, like medical records, hospital bills, medications, and summaries of your release.
Either fill out the claim form online or at your insurance company's office.
Send in the form and any supporting papers, and make sure you keep copies for your notes.
Keep in touch with the insurance company to see how your claim is going.

If the insurance company asks for more information, you should give it to them immediately so the claim payment goes smoothly.

In India, you can buy an individual health insurance plan online easily. Getting policies has become easier with the digital method, making purchases safer. Here's what to do next:

On the Paybima home page, find the "Product" dropdown menu and click on the "Individual Health Insurance" tab.
Fill in the necessary information and ask for a return.
A Paybima expert will help you choose the best plan for you.
You can also call us at 1800 267 67 67 between 10 AM and 7 PM.
You can also go to a nearby Paybima store.

Thanks to this improved process, getting your individual health insurance plan online is now easier and more convenient.

An individual health insurance policy offers medical coverage to one person, ensuring the full sum insured is available exclusively for their healthcare needs. Unlike a family floater plan, the coverage is not shared among multiple members.

An individual health insurance plan is ideal for those who want dedicated coverage, such as self-employed individuals, young professionals, or anyone with a higher personal health risk or pre-existing conditions.

Most individual health insurance plans cover hospitalization expenses, surgery,diagnostics, doctor consultations, pre- and post-hospitalization, ambulance charges, and day care treatments. Some also offer annual health check-ups and optional riders.

Yes, you can hold multiple medical insurance policies. During a claim, you can either claim from one insurer or split the claim between insurers, as per IRDAI guidelines.

Premiums depend on age, medical history, lifestyle, sum insured, location (metro or non-metro), and selected add-on covers. Younger and healthier individuals usually pay lower premiums.

Yes, but most health insurance policies have a waiting period before pre-existing conditions are covered. Be sure to disclose your medical history honestly at the time of purchase.

Absolutely. Under IRDAI rules, you can port your existing policy to an individual health insurance plan without losing benefits like waiting period credits or no-claim bonus.

Yes. Premiums paid for individual health insurance are eligible for tax deduction under Section 80D of the Income Tax Act up to ₹25,000 (or ₹50,000 for senior citizens).

Individual

Health Insurance

Highlights of Individual
Health Insurance

Most Popular Individual Health Insurance Plans

What is Individual Health Insurance?

Everything You Need to Know

Benefits of Individual Health Insurance

Key Factors To Consider When Selecting An Individual Health Insurance Policy

Eligibility Criteria For Individual Health Insurance

What’s Covered Under Individual Health Insurance

What’s Not Covered And What’s Not Under Individual Health Insurance

What’s The Right Sum Insured For Your Individual Health Insurance Plan

Why You Still Need Individual Health Insurance If You Have Corporate Cover

Debunking Common Myths About Individual Health Insurance in India

Who Should Buy Individual Health Insurance?

Factors Affecting Individual Health Insurance Premium

Tax Benefits Under Individual Health Insurance

Health Insurance Policy for Coronavirus (COVID-19)