Key Features

Designed to protect you — and only you

Cashless Hospitalization

Access 10,000+ network hospitals across India. No upfront payments — we settle directly.

Day Care Procedures

Cover for 150+ day care treatments that don't require 24‑hour hospitalization.

Ambulance Cover

Emergency road ambulance expenses covered up to ₹5,000 per hospitalization.

No Claim Bonus

Earn up to 100% cumulative bonus on sum insured for every claim‑free year.

Tax Savings

Premiums qualify for deduction under Section 80D — up to ₹25,000 (₹50,000 for seniors).

Lifetime Renewability

Renew your policy for life — no exit age. Continuous protection when you need it most.

How Individual Care Works

Simple steps to secure your health

1

Choose Cover

Select sum insured (₹5L to ₹1Cr) and add‑on riders if needed.

2

Medical Check

No medical tests up to age 45 (subject to sum insured). Quick approval.

3

Pay Premium

Pay monthly, quarterly, or annually — get instant policy document.

4

Get Treated

Visit any network hospital, show your e‑card, and focus on recovery.

Why Individual Care?

100% Dedicated Cover

Your sum insured isn't shared — full amount available for you.

Pre & Post Hospitalization

Expenses covered 60 days before and 180 days after hospitalization.

AYUSH Treatments

Cover for Ayurveda, Yoga, Unani, Siddha, and Homeopathy (up to specified limits).

Organ Donor Cover

Expenses for organ donor's treatment included in the policy.

Entry Age: 18‑65 years

Children covered from 91 days; lifelong renewability.

Waiting Periods

30 days initial waiting; 2‑3 years for specified illnesses / pre‑existing diseases.

Ready to protect your health with clarity?

Get a free, RTI‑verified Individual Care quote today.

Get Free Quote