To satisfy the requirements of label-free detection, low cost, fast response of a lab-on-chip biosensor, a nanodot enhanced metal-insulator-metal (MIM) waveguide based refractive index sensor coupled with three rectangular cavities, is proposed in this work. Numerical investigation of the transmission spectra, employing the finite element method (FEM), exhibits a linear correspondence with the refractive index, which is used to sense the unknown materials. Imposing a sequential optimization of the structural parameters and enhancing light-matter interaction by loading nanodots at the high E-field confined areas, desired sensitivity (S) and figure of merit (FOM) are upgraded to 7564 nmRIU-1 and 120, respectively. Additionally, the maximum temperature sensitivity of 3.40 nm°C-1 operating from 20°C to 70°C is also recorded for ploydimethylsiloxane (PDMS) sensing media. Prior to the selective detection of Na+, K+, and glucose concentration in the human blood, a sample preparation model combining purification, molecular separation, and concentration enhancement is proposed. Furthermore, a refractive index model is developed that exposes a maximum shift of 0.83 nm, 1.23 nm, and 8.72 nm of the transmittance peak for the concentration variation of 1 mgdL-1 in Na+, K+, and glucose solution easily differentiable by the modern spectrometer. With such excellent performance metrics, compact size, and simple to use features, the proposed sensor is expected to bring a notable solution in the point-of-care detection.