Individual Health Cover
A dedicated sum insured for one person, sized to their own hospitalisation needs.
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IRDAI IMF Reg. No. IMF09490920250842Individual, family, senior & top-up plansGurugram office
Health insurance advice,matched to your family's needs
Your Solis advisor helps you explore individual, family floater, senior-citizen and critical-illness health plans from our partner insurers, with the waiting periods, exclusions and network hospitals explained clearly before you decide.
Health insurance solutions
Types of health insurance plans
Every plan below is issued by our partner insurers, across new-business and portability requests alike. Your Solis advisor can help you understand which structure fits your situation.
Family Floater
One shared sum insured across your family, usually more efficient than separate individual policies.
View plan detailsSenior Citizen Cover
Plans designed around the higher and more frequent healthcare needs of older applicants.
View plan detailsCritical Illness Cover
A lump-sum benefit on diagnosis of a specified serious illness, separate from your regular hospitalisation cover.
View plan detailsTop-up & Super Top-up
Additional cover layered above your existing sum insured, for a wider safety margin at claim time.
View plan detailsPortability (Port Business)
Moving your existing health cover to a partner insurer, carrying forward eligible accrued benefits as per IRDAI portability guidelines.
View plan details
Clear basics
What is health insurance?
Health insurance is a policy that covers eligible hospitalisation and treatment costs, up to your chosen sum insured, in exchange for a periodic premium. Plans are typically issued as individual, family floater, senior-citizen or critical-illness cover, each with its own eligibility, waiting periods and exclusions.
At a glance
Health insurance, in six facts
- What it covers
- Eligible hospitalisation, pre- and post-hospitalisation care, and day-care procedures, as defined in your policy wording.
- Who it's for
- Individuals, families (via a floater sum insured), senior citizens, and employees under a group policy.
- Waiting periods
- Most plans apply an initial waiting period (commonly around 30 days), plus longer specified waiting periods for certain named conditions and treatments, exact durations vary by insurer and plan.
- Pre-existing conditions
- Pre-existing diseases are typically covered only after the waiting period specified in the policy (often 2 to 4 years), and must be declared honestly at proposal stage.
- Typical exclusions
- Cosmetic procedures, self-inflicted injury, and treatments outside the policy's defined scope are commonly excluded, applicable exclusions appear in the policy wording.
- What your Solis advisor does
- Explains waiting periods, exclusions and network hospitals for each option, and helps you choose a plan suited to your situation.
Figures above are general ranges for context. Exact terms, waiting periods and exclusions are set by each insurer and confirmed in your policy document.
Know before you buy
What's typically covered, and what needs a closer look
This is a general guide. The exact list for any plan is set out in its policy wording, your Solis advisor will walk you through it.
Commonly Covered
- In-patient hospitalisation beyond the policy's minimum stay requirement
- Pre-hospitalisation expenses for a defined number of days before admission
- Post-hospitalisation expenses for a defined period after discharge
- Listed day-care procedures completed within a shorter stay than 24 hours
- Ambulance charges, up to the policy's specified limit
Confirm the Fine Print
- Pre-existing conditions, until the specified waiting period is complete
- Cosmetic or purely elective procedures not tied to a covered illness
- Named specific-condition waiting periods, varying by insurer and plan
- Room-rent limits or sub-limits that may apply on certain plans
- Co-payment clauses, common on senior-citizen plans
Every point above is subject to your specific policy's terms and conditions. Please read the policy wording carefully before you buy.
How to choose
How to choose the right health insurance plan
How much cover does your household actually need?
City, family size and existing health history all affect a sensible sum insured.
Individual policy, or a family floater?
A floater can be efficient for younger families; older members sometimes suit a separate individual plan.
What are the waiting periods?
For a known pre-existing condition, this is often the most important question to ask first.
Which nearby hospitals are in the network?
Cashless treatment is generally available only at hospitals on the insurer's network list.
Are there room-rent limits or co-payment clauses?
These can materially affect what you receive at claim time, even with a large sum insured.
Does the plan offer a no-claim benefit?
Some plans increase your sum insured or offer other benefits for claim-free years.
Cover adequacy
How much health cover do I need?
There's no single fixed figure. Treatment costs, family health history and the number of people covered all matter.
- City and local treatment costs
- Family size and dependants
- Existing or family health history
- Whether parents need separate cover
How Solis Insurify helps
From your first question to a policy that fits
Share your situation
Family size, city, existing conditions and what you're looking to cover.
Explore relevant plans
Your advisor lays out suitable options from our partner insurers.
Choose, with details explained
Waiting periods, exclusions and network hospitals are explained clearly.
Claim support for health insurance
Two ways a health claim can proceed
Your Solis advisor can help you understand which applies and assist with the paperwork either way.
Cashless Claims
- 1Get admitted at a network hospital and inform the insurer or TPA.
- 2The hospital submits pre-authorisation directly.
- 3On approval, the eligible bill is settled with the hospital.
Reimbursement Claims
- 1Pay the bill and retain original invoices, reports and discharge summary.
- 2Submit the claim form and documents within the specified timeframe.
- 3The insurer reviews and reimburses the eligible amount.
Claim approval and the amount settled rest with the insurer, in line with your policy's terms and conditions.
Why Solis Insurify
Why choose Solis Insurify
Exceptional service and tailored solutions that meet your needs.
Client-Focused Approach
Personalised service tailored to your requirements.
Competitive Rates
Options across multiple insurers for suitable coverage.
Dedicated Support
Guidance and assistance whenever you need it.
Simplified Claims
Help understanding documents and the claims process.
Our office is in Sector 44, Gurugram, with in-person appointments available on request. Your advisor is also reachable by phone, video call or WhatsApp.
Frequently asked
Health insurance questions people ask us
What is health insurance and how does it work?+
Health insurance covers eligible hospitalisation and treatment costs up to a chosen sum insured, in exchange for a periodic premium. Depending on the plan, it may also cover pre- and post-hospitalisation expenses and listed day-care procedures.
What's the difference between an individual policy and a family floater?+
An individual policy gives each person a separate sum insured. A family floater shares one sum insured across named family members.
How long is the waiting period for pre-existing conditions?+
This varies by insurer and plan and is specified in your policy document, commonly in the range of 2 to 4 years.
What is a cashless claim?+
The insurer settles the eligible bill directly with a network hospital. In reimbursement, you pay first and submit documents to the insurer.
What is co-payment?+
Co-payment is the percentage of a claim that you bear yourself. It is common on senior-citizen plans and appears in the policy document.
What is a No Claim Bonus?+
It is a benefit some insurers offer for a claim-free policy year, usually an increased sum insured or renewal benefit as specified in the policy terms.
Can I port my existing health policy?+
Yes. Portability can carry forward eligible completed waiting periods, subject to IRDAI guidelines and the receiving insurer's underwriting.
Do I need a medical check-up?+
This depends on your age, requested sum insured and the insurer's underwriting requirements.
On tax treatment: Health insurance premiums may qualify for a deduction under Section 80D of the Income Tax Act under the old tax regime, subject to conditions. Ask your Solis advisor or a tax professional to confirm what applies.