Individual Health Insurance
Cashless hospitalisation cover sized to your medical needs.
Understanding Individual Health Insurance.
Individual health insurance reimburses hospitalisation, day-care procedures and pre/post-hospitalisation expenses through a wide cashless network of hospitals.
Choose your sum insured based on the cost of treatment in your city — ₹10L is a reasonable minimum in Tier-1 metros today.
What's actually inside this cover.
- Cashless network of 10,000+ hospitals
- Restoration benefit
- No room-rent capping (preferred)
- Hospitalisation and day-care procedures
- Pre & post-hospitalisation expenses
- Ambulance and ICU charges
- Defined Critical Illness (CI) on opt-in
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
The cover you bolt ondecides what actually pays.
These attach to the base policy rather than being bought separately. Several carry waiting periods, so they have to be added long before you need them — not at the renewal after.
OPD Rider
Consultations, diagnostics and pharmacy without a 24-hour hospitalisation trigger.
Maternity Rider
Delivery and newborn cover; almost always carries a 9–36 month waiting period, so it must be added well before it is needed.
Critical Illness Rider
Lump-sum payout on diagnosis of a listed condition, paid over and above hospitalisation costs.
Hospital Cash Rider
Fixed daily cash for each night admitted, to absorb income loss and incidentals.
Room Rent Waiver
Removes the room-rent cap — the single most common cause of a proportionate deduction at claim.
Consumables Cover
Pays for gloves, syringes and other non-medical items that a base policy routinely excludes.
Restore / Refill Benefit
Reinstates the sum insured once exhausted, so a second claim in the same year is not left uncovered.
No-Claim Bonus Booster
Increases the sum insured for every claim-free year at an accelerated rate.
Personal Accident Rider
Accidental death and permanent disability benefit attached to the health policy.
Global Cover Rider
Extends hospitalisation cover to treatment taken outside India, usually for a pre-approved list.
Rider availability, naming and waiting periods vary by insurer. We map which of these your shortlisted insurers actually offer before you commit.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Cashless treatment for planned surgery; full bill settled at network hospital.
Reimbursement claim processed within the time allowed under the policy.
Restoration benefit refills sum insured after a major claim.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Have these ready and we can move the same day.
Identity and banking proof, the two measurements insurers underwrite on, nominee details, and an honest medical history. Declaring a condition up front is what keeps a claim payable later.
- Name
- PAN card
- Aadhaar card
- Cancelled cheque
- Height
- Weight
- Nominee name
- Nominee relation
- Nominee date of birth
- Pre-existing disease — if yes, share the discharge summary and other reports
- Any existing health insurance policy — if yes, share the policy copy
Send them across on WhatsApp or email and we will come back with options. If something on the list does not apply to you, tell us and we will work around it.
Is your Individual Health Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
More in Individual & Family Health.
One sum insured shared by the entire family — efficient and easy.
Hospitalisation cover designed for parents and senior family members.
Lump-sum payout on diagnosis of listed critical illnesses.
Lump-sum cover for accidental death and permanent disability.