One Person. Full Protection.
Entire sum insured reserved for one insured member
₹10L
Dedicated cover
0 Sharing
No family usage risk
What Is Individual Health Insurance?
Why Buy Individual Health Insurance from CoverTiger
We are not just another comparison site. CoverTiger is India's smartest insurance platform — powered by AI and driven by your family's unique needs.
AI-Powered Advisor
Get real-time, personalised recommendations from our intelligent advisor that understands your family's medical history and budget.
Instant Comparison
Compare 50+ plans from India's top insurers side-by-side in under 2 minutes — premium, coverage, and claim records all visible.
Unbiased Recommendations
Our algorithm ranks plans purely on merit — coverage value, claim settlement, and hospital network — not commission.
Expert Assistance
Dedicated insurance advisors available 7 days a week to guide you from selection to claim settlement.
Secure & Trusted
IRDAI-approved platform with enterprise-grade encryption protecting your personal and financial data.
Hassle-free Claims
Our claim assistance team holds your hand through the entire process — from intimation to final settlement.
Benefits of Individual Health Insurance Policy
A comprehensive family health plan protects your savings and provides peace of mind when your loved ones need medical attention.
Dedicated Sum Insured
Your full cover amount is available only for your medical needs.
Hospitalisation Cover
Covers in-patient treatment, ICU, surgery, room rent and related expenses.
Restore Benefits
Many plans restore sum insured after claims.
Tax Benefits
Claim deductions under Section 80D.
No Claim Bonus
Coverage can increase after claim-free years.
Cashless Hospitals
Treatment at large network hospitals across India.
Eligibility Criteria For Buying Individual Health Insurance
| Criteria | Details | Status |
|---|---|---|
| Entry Age - Adult | 18 years onwards | Eligible |
| Child Entry | 91 days onwards in some plans | Check Plan |
| Renewability | Lifelong in most plans | Eligible |
Documents Required For Buying Individual Health Insurance
Most plans can be purchased 100% online — minimal paperwork required.
Identity Proof
- →Aadhaar Card
- →PAN Card
- →Passport-size photo
- →Driving Licence
Address Proof
- →Utility Bill
- →Bank Statement
- →Rental Agreement
Medical Records
- →Existing reports
- →Prescription history
- →Previous policy copy
Meet Your AI Insurance Advisor
for Your Family Health Insurance Advice
Unlike traditional insurance platforms that only display plan listings, CoverTiger provides an AI-driven assistant that guides users through the decision-making process — understanding your family's unique medical history, budget, and needs.
- 🎯
Personalised Recommendations
Analyses 100+ parameters to suggest the most suitable plan for your family.
- 📊
Smart Plan Comparison
Instantly compare coverage, premiums, and insurer ratings with AI insights.
- 🔔
Real-time Alerts
Get notified about renewals, premium changes, and better plan options.
Tiger AI Advisor
● Online — responds in seconds
What is Covered in a Individual Health Insurance Plan?
Hospitalisation Expenses
Room rent, ICU, doctor fees, surgery and medicines.
CoveredPre & Post Hospitalisation
Medical expenses before and after admission as per plan terms.
CoveredDay Care Procedures
Modern procedures requiring less than 24-hour stay.
CoveredAYUSH Treatments
Alternative treatments where allowed.
CoveredCritical Illness Add-ons
Available in select plans or riders.
Plan-specificWhat is Not Covered in a Individual Health Insurance Plan?
Pre-existing Diseases
Covered after waiting period depending on plan.
Excluded (waiting period)Cosmetic Dental / Vision
Routine cosmetic treatments usually not covered.
ExcludedSelf-inflicted Injuries
Standard exclusion.
ExcludedWar / Nuclear Risks
Standard market exclusion.
ExcludedFactors You Should Consider Before Buying a Individual Health Insurance
Adequate Sum Insured
Choose at least ₹10L in metro cities.
Room Rent Limits
Prefer plans without sub-limits.
Waiting Period
Lower PED waiting periods add value.
Hospital Network
Check preferred hospitals nearby.
Claim Support
Choose reliable claim servicing insurers.
How to Buy Individual Health Insurance Plans
Online from CoverTiger
The entire process takes less than 10 minutes. No paperwork. No branch visits. 100% online.
Enter Details
Age, city, health needs
Compare Plans
AI-ranked options
Select Cover
Choose plan & add-ons
Complete Form
Upload KYC details
Policy Issued
Instant digital copy
Individual Health Insurance Blogs
Frequently Asked Questions
Everything you want to know about Individual Health Insurance.
₹75,000
deduction available
Save Tax with Section 80D
Ready to find the best Individual Health Insurance plan?
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started?
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