What does an individual health insurance policy cover?
It totally depends on provider to provider as in what to cover in an individual health insurance plan. I have opted for health insurance offered by Max Bupa which covers day care procedures, in-patient treatment, pre & post hospitalization medical expenses, domiciliary treatment, and emergency ambulance expenses. Sharing the link for your reference http://www.maxbupa.com/foryouyourFamily/Heartbeat/Individual.aspx
There are many health insurance service providers in India who offer a range of covers. In most cases (as the one you ask), individual medical insurance plan offers health coverage for your spouse, children and parents. In general, they should provide cover against sudden illness, surgeries, accidents and against acts of terrorism as well. In your research of insurance companies for comparison, you can consider Royal Sundaram based out of Chennai, India.
HDFC life health insurance plan covers lump sum payment on survival post diagnosis of a critical illness, so that in the event a critical illness strikes, you don't have to dig into those precious savings of yours.
Below the Advantages of HDFC Healh Insurance:
For individual health insurance plan I think the AEGON Religare is best option for it. Last time I bought health insurance plan it provide me best plans in affordable premium price.
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