The developing status and vast population of India pose obstacles to ensuring quality healthcare services for all. However, integrating Mobile Health Apps into the delivery of healthcare services can enhance services and provide effective solutions to this challenge. To foster the adoption of Mobile Health Apps in India’s healthcare sector, for healthcare service delivery in India and to know users’ tendencies to avoid or adopt these applications, it is critical to study the influence of perceived risks and perceived benefits on users’ intent to use these apps. This study aims to investigate the impact of perceived risks and perceived benefits on the intention to use Mobile Health Apps in India and to examine the moderating role of personal information disclosure intention on these effects. Responses from 376 mobile health app users in India were collected using electronic and physical questionnaires. The proposed research model was tested using structural equation modeling (SEM). The empirical evidence confirms the negative influence of perceived risks and the positive influence of perceived benefits on the intention to use Mobile Health Apps. Moreover, personal information discloser intention was found to moderate the relationship between perceived risks and benefits and intention to use mobile health apps. This study highlights various key strategies for promoting acceptance and usage of mobile health apps.