Care Health
Care Plus
₹12,748/yr · ₹10 L
- Claim ratio
- 95.2%
- Room rent
- No cap
- Co-pay
- 0%
- Unlimited restore
- No room-rent cap
- Day 1 cover for 30+ diseases
Individual health
Your own cover, built for your life.
An individual plan buys cover just for you — no floater dilution. Great for singles, early-career professionals and anyone who prefers their own untouched sum insured.
₹5 L–1 Cr
Cover range
12,000+
Cashless hospitals
Day 1
Accident cover
Top picks
Top individual plans.
Three standouts for a single 28–35 year old · ₹10 L cover · non-smoker.
Best value
Star Health
Family Health Optima
₹14,840/yr · ₹10 L
- Claim ratio
- 92.5%
- Room rent
- Single pvt
- Co-pay
- 0%
- Automatic 3× recharge
- Newborn covered day 1
- 30-day free look
Niva Bupa
ReAssure 2.0
₹16,200/yr · ₹15 L
- Claim ratio
- 96.1%
- Room rent
- No cap
- Co-pay
- 0%
- Lock-in of age & premium
- Unlimited restore
- International cover
Common questions.
When should I pick individual over family floater?
When the eldest member is ≥45 years old (the floater premium gets dragged up by their age). Also when one member has a high-risk condition that'd benefit from a dedicated SI rather than sharing the family pot.
Can I add my spouse to an individual policy later?
Most insurers allow conversion to floater at renewal — fresh underwriting on the new member, but waiting periods carry over for the existing insured.
What is a family floater?
A single policy with one sum insured that every listed family member can draw from. Cheaper per head than individual plans.
How does the room-rent cap affect my claim?
If you pick a room more expensive than the cap, every other charge (tests, consultations, procedures) gets proportionally reduced. We compare this at quote time.
When does pre-existing cover kick in?
Typically 24 to 48 months after purchase. A few plans offer day-1 cover for an extra premium — we flag those.
Can I claim cashless at any hospital?
Only at network hospitals. Outside the network it's reimbursement — pay first, claim later.
Sub-products
Other shapes of health cover.
On an individual plan today? Here’s when it makes sense to switch to family floater or add critical-illness.
You’re here
Most boughtIndividual
Dedicated cover for one person.
Best for singles under 35
from ₹623/mo
Family floater
One plan shared across the whole family.
Most popular for couples + kids
from ₹493/mo
Senior citizen
Tailored for parents over 60.
Pre-existing covered from day 31
from ₹1,847/mo
OPD + wellness
Dentist, labs, pharmacy, teleconsults.
For everyday out-patient spending
from ₹218/mo
Critical illness
Lumpsum on diagnosis — cancer, heart, stroke.
Top-up for your existing cover
from ₹147/mo
Start with your own cover.
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