Claims stay separate
One person's hospitalisation leaves everyone else's cover untouched.
Individual health insurance
Cover that's yours alone — no one's claim can erode it.
It costs more than sharing a floater — and it is often exactly the right structure for older members, existing conditions and families with big age gaps.
Per-person coverParents & seniorsCumulative bonusLifelong renewal
In plain English
Protection ring-fenced for one person
Each member has a separate pool. Medical underwriting, co-pay, disease sub-limits and pre-existing disease waiting periods deserve more attention than the headline premium.
Better for mixed ages
Older members do not inflate a young family's shared plan.
Bonuses build individually
Each claim-free record grows on its own.
An honest fit check
Who this is for — and who should skip it
It fits when
You are covering parents or members 55+. A member has ongoing health conditions.
Consider another route when
You are a young, healthy household on a tight budget. A floater plus super top-up gives you more useful protection.
Claims, handled
A named human owns the process end to end
One person, one number, from the first call to the final settlement. You stay with your family; we carry the paperwork and follow-ups.
- 01
Call your claim expert
One call starts everything — no forms, helpline queue or ticket number.
- 02
We verify the cover
Eligibility, limits, waiting periods and the right claim route, explained plainly.
- 03
We build and submit the file
Forms are pre-filled, documents checked and insurer queries answered.
- 04
Settled, then explained
Every approval and deduction is broken down. We contest what is unsupported.
Good questions
Questions, answered
Is MITRA's advice really free?
Yes — consultations and claims support are free for you. Like all insurance intermediaries, we earn a standard commission from insurers when a policy is issued. Our advisors are measured on fit and claim outcomes, not sales targets.
What does claims support include?
A dedicated claim expert prepares and verifies your documents, coordinates with the hospital, insurer or TPA, resolves queries, and explains the final settlement in plain language. It is included for policies bought or ported through MITRA.
Can MITRA guarantee that my claim will be paid?
No intermediary can decide or guarantee a claim outcome. The insurer decides based on policy wording and the facts of the claim. MITRA makes sure your file is complete, follows up, contests unsupported deductions and escalates when valid grounds exist.
Free · Unbiased · No pressure
Talk it through with an expert
15 minutes, plain English, no pressure and no obligation.