Healthcare Membership | Individual Health Coverage India
Individual Health Coverage Up to ₹5 Lakh – From ₹2,599/Year
Bharat Arogya Individual gives you hospitalisation support, day care, pre and post hospital care and unlimited teleconsultations in one plan, designed for adults aged 18–65 in Hyderabad, Telangana, Andhra Pradesh and across India.
- ✓ Ages 18–65
- ✓ Benefit value up to ₹5 Lakh
- ✓ 540+ day care procedures
- ✓ Network hospital access
What Is Individual Health Coverage?
Individual health coverage is a health plan built for one person, helping you manage hospitalisation expenses and access everyday healthcare. Bharat Arogya Individual offers benefit values of ₹1 Lakh, ₹2 Lakh, ₹3 Lakh and ₹5 Lakh, with in-patient hospitalisation, day care procedures, pre and post hospitalisation support and ambulance cover, from ₹2,599 per year.
What Your Individual Health Coverage Includes
In-Patient Hospitalisation
Room, nursing, surgery and in-hospital medical expenses up to your selected benefit value.
Pre-Hospitalisation
30 days of medical expenses incurred before admission, including diagnostics.
Post-Hospitalisation
60 days of follow-up care after discharge, including medicines and doctor visits.
Day Care Procedures
540+ procedures covered where 24-hour admission is not required.
Ambulance Cover
Up to ₹2,000 per hospitalisation for emergency ambulance charges.
Wellness Benefits
Unlimited teleconsultations, up to 80% off diagnostics, up to 30% off radiology and specialist visits.
Individual Health Coverage Fees at a Glance
| Benefit Value | Membership Fee |
|---|---|
| ₹1 Lakh | ₹2,599 / yr |
| ₹2 Lakh | ₹3,599 / yr |
| ₹3 Lakh | ₹4,599 / yr |
| ₹5 Lakh | ₹6,599 / yr |
Fees from our catalogue. Use the calculator for your exact fee.
Waiting Periods, Co-Pay and Room Rent: Know Before You Buy
| Term | What It Means for You |
|---|---|
| Initial waiting period | 30 days from activation (accidents are covered from Day 1) |
| Pre-existing diseases | 24-month waiting period |
| Specific diseases / procedures | 12-month waiting period |
| Co-payment | 10% of the admissible amount on every benefit assistance request |
| Room rent limit | 2% of benefit value per day (normal ward), 4% per day (ICU); proportionate deduction applies if exceeded |
Individual Health Coverage vs Family Floater: Which One Is Right?
| Feature | Bharat Arogya Individual | Bharat Arogya Family Floater |
|---|---|---|
| Who is covered | 1 adult (18–65) | Up to 2 adults + 2 children |
| Benefit value | ₹1L, ₹2L, ₹3L or ₹5L | Shared across the family |
| Starting fee | ₹2,599/year | ₹15,999/year |
| Best for | Working professionals, self-employed, parents wanting a separate plan | Couples and families with children |
Need more than ₹5 Lakh? Get a custom quote.
Individual Health Coverage in Hyderabad, Telangana, Andhra Pradesh & Across India
Choosing the right hospital quickly matters. Bharat Arogya Individual connects you to partner network hospitals, partner diagnostic labs and teleconsultation doctors so help is close to home. Hospital lists can change, so confirm the latest network list before admission.
Telangana
Hyderabad, Secunderabad, Warangal, Karimnagar, Nizamabad, Khammam: Individual health coverage for IT and corporate professionals, freelancers and business owners, with hospital admission guidance and online doctor access.
Andhra Pradesh
Visakhapatnam, Vijayawada, Guntur, Tirupati, Nellore, Rajahmundry: Day care, hospitalisation and diagnostic savings for individuals, with advisors who can help you check network hospitals near your pin code.
Rest of India
Bengaluru, Chennai, Mumbai, Pune, Delhi NCR, Kolkata and more: Move cities without changing your plan. Network hospital access and teleconsultations continue.
Want to know if a hospital near you is in the network? Ask our advisors on WhatsApp before you buy.
Who Should Buy Individual Health Coverage?
Salaried employees whose employer cover is limited or ends with the job
Freelancers, consultants and self-employed professionals
Young adults starting their first independent health plan
Parents or relatives aged up to 65 who want a separate plan
Why Choose Bharat Arogya Individual?
Starts from ₹2,599 per year with benefit values up to ₹5 Lakh
540+ day care procedures included
30 days pre-hospitalisation and 60 days post-hospitalisation support
Wellness perks: unlimited teleconsultations and up to 80% off diagnostics
Transparent terms: waiting periods, co-pay and room rent limits stated upfront
Dedicated advisors and a simple digital enrolment
How to Get Individual Health Coverage in 3 Steps
Pick your benefit value: ₹1L, ₹2L, ₹3L or ₹5L, using the fee calculator.
Speak to an advisor: Get help on eligibility, waiting periods and network hospitals.
Activate: Complete enrolment and start using teleconsultations and diagnostic savings right away.
Individual Health Coverage FAQs
Get Individual Health Coverage Today
From ₹2,599/year. Hospitalisation, day care and teleconsultations in one plan.
