Health Cover Made for You.
Explore individual health insurance options designed to provide financial protection against eligible healthcare expenses, subject to the terms, conditions, exclusions and limits of the selected policy.
Individual Health Enquiry
Tell us about your individual health insurance requirement.
What Is Individual Health Insurance?
An individual health insurance policy is designed around one insured person. Depending on the policy, it may provide financial protection for eligible hospitalisation and healthcare expenses.
The available benefits, sum insured, waiting periods, exclusions, deductibles, co-payment, sub-limits and claim conditions depend on the specific insurance product.
When comparing plans, it is important to look beyond the premium and understand what the policy actually covers.
Why Consider Individual Health Insurance?
An individual policy can be useful when you want health insurance coverage dedicated to your own healthcare requirements.
Personal Protection
The policy is structured around the insured individual rather than a shared family coverage arrangement.
Healthcare Support
Depending on the policy, eligible medical and hospitalisation expenses may be covered according to policy terms.
Better Planning
Choosing suitable health cover can help you plan for unexpected healthcare costs.
Choice of Cover
You can compare different sum insured levels and policy features based on your requirements.
Network Hospital Access
Eligible network hospitals may offer cashless treatment facilities, subject to insurer and policy conditions.
Long-Term Planning
Maintaining continuous health insurance may provide continuity benefits as specified by the applicable policy.
What May Be Covered?
Coverage varies by product. Always refer to the policy wording and Customer Information Sheet for the exact benefits.
Hospitalisation
Eligible inpatient hospitalisation expenses may be covered according to policy conditions.
Day-Care Procedures
Specified procedures that do not require a traditional 24-hour hospital stay may be covered.
Pre & Post Hospitalisation
Certain eligible expenses before and after hospitalisation may be covered for the specified period.
Emergency Healthcare
Covered emergency treatment may be payable according to the selected policy.
Ambulance Expenses
Ambulance expenses may be covered subject to applicable limits and policy terms.
Cashless Facility
Cashless treatment may be available at eligible network hospitals.
Individual Health Cover Calculator
Get an illustrative starting point for thinking about your health insurance cover. This calculator does not calculate an insurer’s premium or guarantee eligibility.
Calculate Suggested Cover
Enter a few details to estimate an illustrative coverage range.
Suggested Individual Health Cover
A starting point based on the information entered above.
Discuss This Cover →Who May Consider Individual Health Insurance?
Working Professionals
People who want health cover dedicated to their own healthcare needs.
Self-Employed Individuals
Individuals arranging their own health insurance protection.
Young Adults
People looking to establish health insurance protection early.
Anyone Reviewing Existing Cover
Existing policyholders comparing their current cover with other options.
Important Features to Check
Coverage Features
- Sum insured
- Hospitalisation coverage
- Day-care procedures
- Pre & post hospitalisation
- Network hospitals
- Cashless treatment availability
Policy Conditions
- Waiting periods
- Pre-existing disease conditions
- Exclusions
- Deductibles
- Co-payment
- Sub-limits and room-rent limits
Things to Know Before Buying
Waiting Periods
Certain illnesses, treatments and pre-existing conditions may have waiting periods. The exact period depends on the policy.
Pre-Existing Conditions
Disclose existing health conditions accurately. Coverage and waiting periods are subject to underwriting and policy terms.
Exclusions
Some treatments, conditions or expenses may be excluded. Read the policy wording and Customer Information Sheet.
Premium Is Not Everything
Compare benefits, limits, exclusions, deductibles, co-payment, waiting periods and network hospitals—not only premium.
How to Explore Individual Health Insurance
Assess Your Needs
Consider your age, health requirements, income and financial situation.
Decide Cover
Use the calculator as a starting point and determine a suitable coverage range.
Compare Policies
Review benefits, exclusions, waiting periods, limits and claim conditions.
Review Documents
Read the policy wording and Customer Information Sheet before purchasing.
Need Help Choosing Individual Cover?
Tell us your requirements and enquire about individual health insurance options.
Individual Health Insurance FAQs
Get an Individual Health Insurance Quote
Tell us about your personal health insurance requirement. This enquiry form is specifically for Individual Health Insurance.
- Individual-only enquiry
- Your preferred coverage amount
- Existing individual health cover
- Age and occupation details
- Pre-existing condition declaration
- Your specific health insurance requirement
Individual Health Insurance Enquiry
Please provide your details below.