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Individual Health Insurance
Personal health coverage for single individuals. Ideal for young professionals and unmarried individuals seeking personalized coverage.
50,000+ Happy Customers
4.8/5 Rating
10,000+ Network Hospitals
98% Claim Success
50,000+ Customers
4.8/5 Rating
10,000+ Hospitals
IRDAI Licensed
5L
Recommended Cover
₹4,000
Starting Premium/yr
11+
Plans Available
10,000+
Network Hospitals
Best Individual Plans 2026
| Plan Name | Insurer | Cover Amount | Premium | Rating | Action |
|---|---|---|---|---|---|
Optima Secure No room rent limit
Unlimited restoration | HDFC ERGO | ₹5-50 Lakh | ₹8,500/year | 4.5 | Get Quote |
Star Comprehensive Day 1 coverage
No sub-limits | Star Health | ₹5-100 Lakh | ₹11,500/year | 4.4 | Get Quote |
Care Supreme No limits
Air ambulance | Care Health | ₹5-60 Lakh | ₹14,000/year | 4.6 | Get Quote |
My Health Suraksha Affordable
50% NCB | HDFC ERGO | ₹3-15 Lakh | ₹4,500/year | 4.4 | Get Quote |
Young Star 100% NCB
Mental health covered | Star Health | ₹3-25 Lakh | ₹5,200/year | 4.5 | Get Quote |
Care Freedom Affordable
Single AC room | Care Health | ₹3-10 Lakh | ₹5,800/year | 4.3 | Get Quote |
Optima Secure
HDFC ERGO
4.5
Cover:
₹5-50 Lakh
Premium:
₹8,500/year
No room rent limit
Unlimited restoration
Get Free QuoteStar Comprehensive
Star Health
4.4
Cover:
₹5-100 Lakh
Premium:
₹11,500/year
Day 1 coverage
No sub-limits
Get Free QuoteCare Supreme
Care Health
4.6
Cover:
₹5-60 Lakh
Premium:
₹14,000/year
No limits
Air ambulance
Get Free QuoteYoung Star
Star Health
4.5
Cover:
₹3-25 Lakh
Premium:
₹5,200/year
100% NCB
Mental health covered
Get Free QuoteCare Freedom
Care Health
4.3
Cover:
₹3-10 Lakh
Premium:
₹5,800/year
Affordable
Single AC room
Get Free QuoteNot sure which plan is right for you?
Our experts can help you choose the perfect Individual plan
Key Benefits of Individual Plans
What makes these plans ideal for your needs
Lower premiums for single coverage
Customizable coverage options
High No Claim Bonus benefits
Portable across insurers
Mental health coverage available
Individual Plans by City
Find plans with cashless hospitals in your city
Mumbai
500+ hospitals
Delhi
550+ hospitals
Bangalore
450+ hospitals
Hyderabad
420+ hospitals
Chennai
550+ hospitals
Kolkata
350+ hospitals
Pune
380+ hospitals
Ahmedabad
300+ hospitals
Gurgaon
200+ hospitals
Noida
150+ hospitals
Jaipur
200+ hospitals
Lucknow
180+ hospitals
Chandigarh
120+ hospitals
Indore
130+ hospitals
Nagpur
140+ hospitals
What to Check Before Buying Individual Insurance
Use this checklist to compare plans effectively
Check each item to ensure you're choosing the right plan for your needs
Individual Insurance FAQs
Common questions answered by our experts
Individual health insurance is a policy that covers a single person. It offers personalized coverage based on your age, health condition, and requirements. Premium is based on your individual risk profile.
For individuals in metros, minimum ₹5 lakh coverage is recommended. If you're above 35 or have lifestyle-related health risks, consider ₹10 lakh. Factor in medical inflation of 10-15% annually.
For single persons, individual plans are better as premiums are lower. Once married, family floater becomes more economical. Individual plans are also better if there's significant age gap between family members.
No Claim Bonus (NCB) is a reward for not making claims. Your sum insured increases by 10-50% each claim-free year. Some plans offer up to 100% cumulative bonus.
Yes, IRDAI allows policy portability. You can switch insurers while retaining benefits like waiting period credits and NCB. Apply at least 45 days before renewal.
Why Trust AskBima?
IRDAI licensed | Trusted by 50,000+ customers
50,000+
Happy Customers
4.8/5
10,000+ Reviews
10,000+
Network Hospitals
98%
Claim Success Rate
IRDAI Licensed: IRDAI/WBA/XX/2024
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