Health insurance plans starting at just ₹243/month*
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Coverage up to ₹5 Crores
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10,000+ Network Hospitals*
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20+ Add-Ons Available*
Health Insurance
Health insurance, also known as medical insurance, protects you and your family from the high costs of medical treatments. It provides financial support for planned and emergency medical expenses, including costs for hospitalisation, nursing, surgeries, medicines, day care treatment and doctor consultations.
With rising healthcare costs and medical inflation increasing by 14% annually in India, health insurance has become a necessity. Imagine facing a ₹10 lakh hospital bill due to heart surgery without health insurance coverage. You will have to cover every expense from your pocket, including the doctor consultations, diagnostic tests and medicine, on top of the actual cost of surgery. With our comprehensive health insurance coverage, all these expenses are covered.
At IndusInd General Insurance, we offer online health insurance plans starting at just ₹243 per month* with streamlined cashless claims at 10,000+ network hospitals* across India. Our Self-i app also ensures quick claims registration and 24/7 customer support. As your health partner, we prioritise your health and well-being, providing you with a seamless experience.
Why 5 Crore+ Policyholders Choose Us?
Our doctor-designed plans keep pace with medical advancements to ensure you have access to the most effective treatments available today and cater to your every need. Each health insurance plan can also be customised to your unique medical needs, giving you truly personalised protection. For instance, we have plans that offer protection from ₹3 Lakh to ₹5 Crores, unlimited SI restoration and a short 12-month waiting period* for pre-existing disease coverage. Our plans also offer India and global coverage.
With AI-led insurance solutions, a fast, efficient and seamless claims process and a customer-first approach, we make sure you receive the care you deserve.
Up to 40% Off on Premiums*
More coverage & more savings!
24x7 Customer Support*
Quick support anywhere!
Over 10,000 Hospitals*
Quick cashless claims pan-India!
AYUSH & Modern Surgery Treatments*
Get 100% SI coverage for both*
Top Reasons to Buy Health Insurance
Disclaimer: The values present within this section have been taken from multiple sources across the web and are subject to change. To ensure accurate estimates, please contact your healthcare provider. For policy-specific coverage, please refer to your policy document or contact customer support. Healthcare costs were taken from this source and this source. Tax deduction limits were taken from this source.
IndusInd Health Insurance Plans
At IndusInd General Insurance (formerly Reliance General Insurance), we believe that health insurance does not work on a one-size-fits-all formula. Hence, we have carefully designed customer-centric plans to meet your unique healthcare needs.
We offer global plans like the Health Global, India-focused plans like the Health Gain, Infinity and Hospi-care, along with enhancement covers like the Super Top Up plan and the critical illness insurance plan. It's health insurance that works with you to ensure you always have access to quality healthcare, no matter where you are.
IndusInd Health Infinity Insurance
This is an India-focused plan that also offers the option to extend coverage for planned and emergency treatments overseas under the More Global option.
Enjoy limitless health insurance with our Health Infinity plan, and get a high sum insured (SI) from ₹5 Lakh up to ₹5 Crores. Our Health Infinity plan is a comprehensive health insurance policy designed to cover today's high healthcare costs with its unlimited SI restoration benefit* and high sum insured. It's ideal for anyone who requires comprehensive coverage for both medical emergencies and planned treatments, without worrying about running out of coverage at any point.
For example, if you opted for a ₹20 lakh plan and the sum insured got exhausted during the policy year. The ₹20 lakhs gets fully restored, and this amount can be used from the next claim onwards for related and unrelated illnesses and injuries*.
You can choose between individual or family coverage and benefit from reduced waiting periods for maternity coverage – you can select either 1 or 2 years*. You can also boost your coverage by up to 30%* with the MoreCover add-on at no extra cost! For example, you get ₹1.5 Crores extra on a ₹5 Crore base sum insured.
Best For: High SI coverage (up to ₹5 Crores), unlimited SI restorations, maternity coverage (via Mother & Child Care add-on bundle), OPD services (via add-on) and lower waiting periods for maternity and pre-existing diseases.
IndusInd Health Gain Policy
Looking for an India-focused, affordable policy that adapts to your needs? Well, your search ends here with the IndusInd Health Gain.
This is a flexible policy with coverage ranging from ₹3 Lakh to ₹1 Crore that you can fully customise based on your healthcare needs. For example, you get the option to reduce waiting periods from 3 years to 1 or 2 years for pre-existing diseases*, you can modify your plan to also cover health check-ups up to ₹3,000, and have your plan cover Modern Treatments like stem cell therapy up to 100% of the sum insured*.
Under this policy, you can also cover up to 12 family members*, making it perfect for growing families. It’s also a fantastic option for urban professionals looking for affordable health coverage since you can get up to a 40%* discount + an 18% GST waiver. This means you'll be eligible for a total discount of up to 58%* when buying our Health Gain policy.
Best For: SI up to ₹1 Crore, Cover up to 12 family members*, Unlimited SI Reinstatement, Health Check-ups up to ₹3,000, Vision Correction (covers LASIK) and Wellness Services (telephonic or online doctor consultations).
IndusInd Health Global Policy
This is a global health insurance plan that offers medical coverage overseas. It can also be modified to offer medical coverage in India as well.
Perfect for anyone planning to get medical treatment overseas. We offer coverage starting from $150k up to $1 million (approx ₹1.32 Crore - ₹8.83 Crore), and also offer coverage for visa/documentation fees. Our Health Global plan can also be modified to cover treatments in India when you opt for the India + Global plan option, ensuring you’re covered for any unexpected emergencies back home as well.
The India + Global option comes with its own SI amount, where you can get coverage starting from ₹1.5 Crore or opt for unlimited SI coverage* with no upper limit. This plan option provides coverage for both planned and emergency medical treatment in India, up to the SI limit.
We also cover emergency medical expenses overseas. For that, you will need to get our Multi-trip rider, which has its own SI amount starting from ₹1 lakh to ₹5 lakh. This add-on rider is ideal for frequent flyers who travel overseas often, as it also provides coverage for trip emergencies, including flight delays, baggage loss, loss of passport, and trip cancellations.
Best For: Planned medical treatment overseas (up to $1 million), 100% cashless claims for planned overseas treatment, emergency medical treatments and trip emergencies covered under the Multi-trip rider and India + Global option with unlimited coverage in India.
IndusInd Health Super Top-up
This is an enhancement cover that can be bought on its own or paired with an existing health insurance policy.
Our Super Top-up Insurance plan provides additional protection from ₹5 Lakh to ₹1.3 Crore. It’s ideal for anyone looking to get more coverage if their base plan offers a limited SI. For example, working professionals insured under a corporate health insurance plan can buy our super top-up plan to cover their medical costs if their base cover runs out. You can also choose to pair this with your existing health insurance plan to cover recurring healthcare costs, such as chemotherapy, dialysis, routine health check-ups, and medication, when undergoing treatment for critical illnesses or chronic conditions.
Under our Super Top Up plan, you enjoy benefits like cumulative bonuses for claim-free years, preventive health check-ups, maternity coverage up to ₹2 lakhs and more, all under one enhanced plan.
Best For: SI up to ₹1.3 Crore, maternity coverage (pre & post-natal, childbirth and newborn inpatient costs) up to ₹2 lakhs, free cashless health check-ups*, 1-year premium waiver on critical illness diagnosis, Global cover (In-patient, Day Care & Outpatient costs) and AYUSH treatments.
Hospi Care Insurance
This is an India-focused enhancement cover that you can pair with an existing health insurance policy. It can also be bought on its own as a standalone plan.
Our Hospi Care insurance policy offers hospital cash payouts up to ₹10 lakhs to cover non-medical costs associated with hospitalisation. These can include costs such as food, travel, follow-up consultations and additional medicine after discharge. So, unlike regular health insurance that directly settles your medical bills for covered treatments, this plan puts the money in your hands to use as needed. This plan is ideal for anyone who needs a guaranteed fixed cash payout for ICU-related treatment, surgeries and day care procedures.
We cover 150+ surgical procedures and 140 daycare procedures, and offer 100% of the sum insured for surgery-related claims. You also receive up to a 30% discount* and 0% GST on purchases and renewals made after September 22nd, 2025.
Best For: 100% payout of SI up to ₹10 lakhs, 150+ surgeries* & 140 day care procedures* covered, covers unlisted surgeries up to ₹20,000, additional ₹20,000 payout for hospitalisation over 3 days due to Dengue, Malaria or Chikungunya.
Critical Illness Insurance
This is an India-focused plan that offers a lump sum payout on diagnosis of a covered critical illness. It can be bought on its own or with another health insurance policy.
This specialised health insurance policy is designed to provide 100% coverage for 10 critical illnesses*. This means upon diagnosis of a covered critical illness like stroke, cancer or kidney failure, you receive a payout of up to ₹10 lakhs. Like our hospi care plan, you are free to use this payout as per your needs. So, you can use this amount to pay for treatment at any facility of your choice, pay for medicine, travel and food, surgery, daily living costs, etc.
This plan is ideal for anyone who wants critical illness coverage that's separate from their primary health insurance plan. So, in case you have a family medical history that predisposes you to developing a critical illness like cancer or heart disease later in life, this plan offers coverage for treatment costs. This way, you neither have to dip into your savings to pay for medical bills nor do you have to exhaust your primary health insurance plan's base SI to cover treatment.
The IndusInd critical illness insurance policy covers a single person and offers coverage from 1 to 3 years*. It also offers lifelong renewability, so you are always covered.
Best For: 100% payout up to ₹10 lakhs, coverage for 10 critical illnesses, no medical tests required on purchase (for those below 45 years), up to 3 years coverage with lifelong renewability.
Disclaimer: The policy features and prices listed within this section are subject to change. The USD to INR conversion rates stated for the Health Global plan are subject to change based on current currency exchange rates. For the most up-to-date information, you can always check the policy documents or contact customer support.
Key Features of IndusInd Health Insurance
Here's a list of unique features under some of our plans that make IndusInd health insurance suitable for all medical needs. Our plans provide coverage for a wide range of medical treatments, from brief consultations to advanced procedures such as robotic surgery and stem cell therapy. With us, you also get access to 24/7 online services via the Self-i app, so you're covered anytime and anywhere.
And since coverage will vary across our plans, you’ll need to check coverage and coverage limits before purchase to ensure you’re adequately covered for your unique medical needs.
Key Features | Details |
|---|---|
Premiums | Starts at ₹243 per month* |
Discounts | Up to 40%* + Cumulative Bonus |
Medical Cover | Up to ₹5 Crores |
Global Sum Insured | Up to $1 Million |
SI Restoration | Unlimited |
Renewability | Lifelong |
Quick Claims | Settled in 3 hours* + 100% Digital Claims |
Network Hospitals | Over 10,000* |
Pre- and Post-Hospitalisation | 90 days before and 180 days after* |
No Room Rent Capping |
|
Day Care Procedures & OPD Cover | |
Ambulance Cover | Up to ₹3,500 per hospitalisation |
Health Check-Ups | |
Domiciliary Hospitalisation | |
Maternity Coverage | Up to ₹2 lakhs |
Organ Donor Expenses | |
Critical Illness Cover | |
Co-Payment Options | |
Add-Ons & Optional Riders | 20+ Add-ons* |
Disclaimer: The coverage features, prices and discount rates stated in the table are subject to change. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.
Inclusions and Exclusions of IndusInd Health Insurance
What’s Covered?
Medical Expenses: Covers medical expenses for inpatient treatment, daycare treatments, pre and post-hospitalisation, organ donor expenses, home care treatments, etc.
Day 1 Coverage: We offer day 1 coverage under our health insurance plans for accident-related claims and for medical emergencies to ensure quick and comprehensive medical coverage.
OPD & Home Care Services: Covers outpatient department (OPD) expenses such as doctor consultations, diagnostic tests, etc., up to ₹50,000. It also covers home-based treatment/nursing set-ups of up to ₹25 lakhs.
Modern and AYUSH Treatments: Coverage for alternative and modern treatments like robotic surgeries and stem cell procedures. Plus, we cover AYUSH (Ayurveda, Yoga, Unani, Siddha and Homoeopathy).
Accident & Illness Protection: Offers a deductible waiver in case of an accident and a 1-year premium waiver in case of a critical illness diagnosis.
Rehabilitation Services: Covers speech, physiotherapy and occupational therapy after an accident-related hospitalisation.
Maternity and Newborn Cover: Covers maternity expenses and newborn baby care, including vaccinations for up to ₹2 lakh with the add-on.
Global Emergency Cover: If you face a medical emergency while overseas, your treatment costs (inpatient, outpatient or day care) will be covered up to 45 days with a $100 deductible*, no matter where you are.
Annual Rewards: Get up to 50% SI bonus for every claim-free year and a free health check-up after 3 consecutive years.
What’s Not Covered?
Non-Medical Treatments: All medically necessary costs are covered except for treatments like wellness therapies, rejuvenation treatments, dietary supplements and cosmetic surgeries.
Lifestyle and Fertility: Weight control procedures, fertility treatments, contraception and correction of refractive errors are excluded.
Legal and Statutory: Any medical expenses resulting from intentional self-injury, suicide, war, nuclear activity or any illegal activities are not covered.
Unrelated Outpatient & External Anomalies: We cover all OPD costs that precede your hospitalisation. However, to get coverage for all OPD treatments, you'll need the OPD services add-on. We also generally do not cover congenital diseases under our plans. For further support and coverage, don't hesitate to get in touch with us.
Waiting Period: All accident-related claims are covered from day 1. All other claims are subject to a 30-day waiting period. And pre-existing conditions and maternity costs have their own waiting periods, which you can reduce via an add-on.
Experimental or Unapproved Treatment: We cover all medical treatments, except ones not approved by the Insurance Regulatory and Development Authority of India (IRDAI) or the World Health Organisation (WHO).
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
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Optional Add-ons in IndusInd General Health Insurance
Enhancing your health insurance policy with add-ons can significantly boost your coverage. These optional add-ons offered by IndusInd General Insurance (previously known as Reliance General Insurance) are available for a minimal additional premium. And the stars on these cards represent the IndusInd health insurance plans under which these add-ons are available.
Unlimited Restore Benefit
Health Infinity, Global and Gain
Get unlimited SI restoration* if you exhaust your base sum insured after a major claim. This cover instantly refills it. You can then make new claims for other illnesses or injuries within the same policy year, ensuring continuous protection.
So, if your SI was ₹20 Lakhs initially, and you claimed it all, we will refill ₹20 Lakhs back, so that you can use 100% of your Sum Insured again in case of a related or unrelated illness/injury on your next claim.
Double Cover
Health Infinity, Health Gain
Get twice the sum insured amount without doubling your premiums during claims under select health insurance plans*.
This means you’ll only need to pay a nominal amount when you first get this add-on. After which, you will receive twice the coverage under your health insurance plan while it's in effect. Do note that you will still need to renew this add-on along with your health insurance policy to continue to receive coverage.
Consumables Cover
Health Infinity, Health Global
Along with your basic treatment costs, your hospitalisation bill will also include consumable expenses like gloves, bandages and syringes. While these may not cost much on their own, they can add to your overall hospital bill. This add-on helps reduce those out-of-pocket costs.
This coverage is also available as part of the base plan under Health Global and will be covered within the sum insured of your plan.
OPD Services
Health Infinity, Health Global
We cover the cost of outpatient services, like doctor consultations, diagnostic tests and medications. Perfect for individuals who require frequent check-ups, as this coverage can help manage medical costs effectively.
Plans like Health Infinity and Health Global do not include OPD costs under the base plan coverage, so we recommend getting this add-on if you’re buying either of those plans.
Super Charger
Health Infinity
The Super Charger is a built-in loyalty reward that boosts your sum insured up to 33.33%* during each renewal, at no extra cost.
This is a type of loyalty reward, as you get a bonus on your sum insured amount the longer you hold your plan. Over time, you can boost your coverage up to 100% of the original amount*.
Maternity Cover
Health Infinity
You're covered for expenses related to pregnancy and childbirth with select health insurance plans. Get coverage for pre- and post-natal care, delivery costs and newborn baby care of up to ₹2 lakhs.
You can get this add-on under the Health Infinity plan. In case you want this included as a base cover, you can go for our Super Top-Up plan.
Maternity Waiting Period
Health Infinity
To receive coverage for maternity and childbirth-related expenses, a general waiting period is applicable. However, with this add-on, you can reduce the waiting period to just 1 or 2 years, depending on your choice of plan.
Please note that you must already have the Maternity Cover add-on to be eligible for this waiting period reduction option.
Emergency Ambulance
Health Gain, Health Global
This add-on covers the ambulance cost during medical emergencies of up to ₹3,500 per hospitalisation. It ensures you can afford transportation from the emergency site to the nearest hospital or medical facility.
This is available as a base cover under Health Infinity. Under Health Global, it's available under the India + Global plan option.
Air Ambulance
Health Infinity, Global and Gain
In life‑threatening emergencies where every minute counts, the Air Ambulance add-on covers the cost of flying you to the nearest medical facility. This ensures fast, critical care without the high expenses.
This coverage is available under Health Global when you choose the India + Global plan option.
Home Care Services
Health Infinity, Health Gain
You're covered for treatments prescribed by a doctor that can be done at home, such as IV drips or physiotherapy. With this cover, you can reduce your hospital bills and recover in the comfort of your home.
Pre-existing Disease Waiting Period Change
All Health Plans
Allows you to reduce the waiting period for pre-existing diseases, such as hypertension and diabetes. This means you can reduce the waiting period from 3 years to 2 years or 1 year* and get coverage sooner.
Voluntary Aggregate Deductible
Health Infinity, Health Gain
Save on your health insurance premiums by paying a fixed amount of medical expenses yourself yearly. Once the bill exceeds this amount, your insurance will cover the rest of the expense.
Waiver of Co-payment (for Senior Citizens)
Health Global
Senior citizens usually pay 20% of the total claim amount from their pocket*, also known as a co-payment. With this add-on, you do not have to cover this additional expense and receive complete coverage for your health needs.
Guaranteed Cumulative Bonus
Health Gain
A cumulative bonus rewards you with increased coverage for every consecutive no-claim year. With this add-on, you continue to enjoy the bonus even after making a claim, ensuring your benefits aren't lost.
Change in Modern Treatment Limits
Health Gain
Get 100% coverage* for advanced treatments, like robotic surgeries and stem cell therapy, up to your entire sum insured. A useful cover, since the base policy only covers modern treatments up to 50% of the SI*.
Companion Cover
Health Gain
We offer a fixed daily allowance to cover your companion’s expenses while they stay with you during your hospitalisation, helping ease financial stress during recovery.
Reduction in Room Rent Limit
Health Infinity, Health Gain
Lower your room rent limit under your policy. With this cover, you can upgrade your room without worrying about additional costs. It contributes to a more comfortable and stress-free hospital stay.
Factors to Consider Before Buying Health Insurance
Coverage Requirements & Sum Insured
Assess your healthcare needs based on your lifestyle to know how much sum insured and what type of plan you'll need (individual, senior citizen or family health insurance). For instance, we offer sum insured ranging from ₹3 lakhs to ₹5 Crores. A higher sum insured is recommended for anyone who requires frequent hospital visits or is regularly undergoing treatment. It's also recommended for those living in metro cities where healthcare is more expensive.
Affordable Premiums
Select a plan with premiums that fit your budget without causing financial strain over time. Also, check for discounts. For example, with the new GST exemption on health insurance, our health insurance plans are now more affordable than ever! We now offer a maximum discount of up to 40% and an 18% GST waiver on purchase*, meaning you now get up to a 58% discount, leading to more coverage with more savings.
Inclusions and Exclusions
Carefully review what is included and excluded in the policy to ensure it covers your potential medical needs. This is because some base plans already come with built-in coverage that is often only available through add-ons under other plans. So, checking what's covered and what's not covered may help you save on premiums since you won't have to opt for add-on covers. For example, our Health Global plan covers the cost of consumables under the base policy and the Health Infinity plan includes emergency ambulance costs as part of its base plan.
Lifetime Renewability
Ensure your policy can be renewed for a lifetime to provide continuous coverage as you age. Insurance companies also offer bonuses, discounts, and loyalty rewards the longer you hold a policy. For example, we offer a Super Charger loyalty reward that boosts your sum insured up to 33.33%* during each renewal. Lifetime renewability can also help you save on premiums in the long run since health insurance premiums are often revised based on your age every time you buy a new plan. Therefore, if you let your policy lapse and then buy a new one, the premiums may be higher, as older individuals are typically charged higher premiums.
Pre-Existing Disease Coverage
If you have an existing medical condition that may require immediate attention, choose a policy that covers it for timely care. You also need to check the waiting period under the policy for pre-existing conditions. We recommend going for a health insurance plan that offers the option to reduce your waiting periods. For example, all our health insurance plans* come with an add-on that allows you to reduce your PED waiting period from 3 years to 1 or 2 years*.
Network Hospitals
The insurance company's network hospital list is another important factor to consider, since cashless claims and claims processes in general are more streamlined at network hospitals. Check the number of network hospitals they offer access to and verify if any are located near you. For instance, IndusInd General Insurance offers access to over 10,000 network hospitals* across India. You can also easily find your nearest network hospital by either using the Self-i app or our hospital locator.
Claim Settlement Ratio
Check the insurance company's claim settlement ratio. Ideally, it needs to be higher than 95%, because a higher claim settlement ratio indicates a higher likelihood of your claims being approved and settled. For example, we offer a high claim settlement ratio*, meaning we settle almost all the claims we get. And along with the CSR, we also recommend checking the claims settlement process – it needs to be online, quick and involve minimal paperwork.
Types of Treatments Covered
Check what type of treatments are covered under your chosen policy. Ideally, your plan should cover allopathic treatments (evidence-based procedures that involve medication and surgery as part of the treatment), traditional Ayurvedic/AYUSH treatments, and modern/new-age treatments that utilise newer treatment methods (like robotic surgery or oral chemotherapy) and medicines. This ensures you have the freedom of choice and coverage when it comes to choosing how you wish to pursue treatment.
Requirements to Buy IndusInd Health Insurance
From Individual and Family health plans to critical illness and super top-up covers, IndusInd Health Insurance offers not just medical emergency covers but also long-term protection. It's also really easy to buy our health insurance plans. The entire process is online, involves very little paperwork, and can be done on your phone via the Self-i app or on our website at any time. After payment, you get a digital copy of the policy emailed to you that you can download and save onto your phone.
Here's everything you need to know before buying one of our policies:
What Do We Verify? | Eligibility Details Required |
|---|---|
Age | Dependent children: 91 days to 25 years of age Adults: 18 - 65 years can buy our plans. |
Nationality | Indian Residents; NRIs can buy our plans, but the insured member has to be staying in India |
Policy Type | Individual and Family |
Medical History (for Pre-Existing Diseases) | Waiting period for pre-existing diseases: 3 years. You can opt to reduce the waiting periods to 12 months with add-ons. |
Is a Medical Examination Needed? | Pre-policy medical tests may be required for people above the age of 46 years or based on SI. |
Disclosure | Provide accurate information regarding your lifestyle and habits, such as drinking or smoking, your current health & medical history. |
Renewal Eligibility | No cap on renewal age, lifelong renewability available |
Why Buy Health Insurance Online?
Buying your health insurance plan online reduces paperwork, time and offers additional discounts. Here are more reasons to buy your health policy online:
Highly Convenient
Buying health insurance online makes it easy to compare and purchase coverage from the comfort of your home.
Instant Policy Issuance
Get instant policy confirmation and start your coverage without paperwork delays.
Attractive Discounts
Online purchases often come with special discounts and offers, giving you the best value for your money.
Protected Payments
Enjoy secure online payments with multiple digital options and protection from fraud.
Quick Access
Customise plans, calculate premiums, manage members and check coverage details online with the Self-i app.
24/7 Availability
Buy and manage your policy anytime, anywhere. No need to wait for office visits or fixed hours.
Health insurance starting at just ₹243 per month*!
From Hospital to Home, We’ve Got You Covered!
Access quality medical care without worrying about medical costs. With IndusInd General Insurance, you're covered from health checkups to surgeries!
Health Infinity vs Gain vs Global
Can't decide on a health insurance plan? Don't worry, we've made this easy for you with the table below! Comparing plans online allows you to make informed decisions as you get access to key policy information. The table below should give you a good overview of what's covered and what's not covered under each plan, so you can make an informed decision.
Parameters | Health Infinity | Health Gain | Health Global |
|---|---|---|---|
Sum Insured | Up to ₹5 Crores | Up to ₹1 Crores | Up to $1 Million |
Premium Range (Indicative) | ₹8,000 – ₹1.25 Lakh* | ₹6,000 – ₹55,000* | ₹40,000 – ₹2.5 Lakh+* (based on USD & India SI) |
Discount |
| Up to 40%* | Up to 37%* |
Unlimited SI Restoration | |||
OPD Coverage | ❌ | ||
Maternity Coverage | ❌ | ❌ | |
Pre and Post Hospilalisation | |||
No Room Rent Limit | |||
Free Health Check-Up | ❌ | ||
Telehealth Services | ❌ | ||
Waiting Period Reduction | |||
Ambulance Cost | |||
Consumables | |||
Modern Treatment | |||
AYUSH Treatment | |||
Global Coverage | |||
Domiciliary Hospitalisation | |||
Cumulative Bonus | |||
Lifelong Renewal |
Disclaimer: The prices, discount rates and premiums displayed in the table above are indicative and are subject to change based on the policy you choose to buy and the coverage you opt for. The availability of the coverage features mentioned is subject to policy terms and conditions. For more detailed information, contact us.
Individual vs Family Health Insurance
Now that you know what plan to choose, it's time to choose between an individual policy or a family floater option. Both have their benefits, and their applicability will depend on your healthcare needs. The table below can help you narrow down which plan type is most suited for you.
Individual Health Insurance
Coverage Scope
Individual policy offers comprehensive coverage for a single person that can be personalised to suit their unique health needs. You can modify the policy's sum insured to be as higher or as low as you need it to be. Our plans offer sum insured options from ₹3 lakhs to ₹5 Crores. For example, if you have a pre-existing condition, such as diabetes, that requires routine health check-ups, medication, and treatment, you can obtain an individual health insurance policy.
How Much Does Individual Health Insurance Cost?
Premiums will depend on the chosen SI amount and your age. An individual health insurance policy is a good investment for individuals with ongoing medical needs or those with pre-existing conditions, as it offers an exclusive sum insured. This means you don't need to worry about inconsistent coverage since you are the sole policyholder. Moreover, you can also claim yearly tax deductions on premiums paid up to ₹25,000 (if you're under 60 years) or up to ₹50,000 (if you're over 60 years).
Who Should Buy an Individual Health Policy?
This policy type is ideal for individuals who are not already insured under a health insurance policy and for those with ongoing healthcare needs. This can include young individuals entering the workforce, parents or grandparents who have reached retirement age, or anyone with pre-existing or chronic illnesses that require frequent hospital visits.
Family Health Insurance
Number of Family Members Covered
IndusInd family health insurance can cover up to 12 family members*, and all insured family members share the policy's sum insured. For example, if you have bought a ₹50 lakh plan and insured your family - self, spouse and 2 children; any of the insured members can get medical coverage. So, if your spouse and child get sick during the same year and require treatment, both their medical costs will be covered by your IndusInd family floater policy.
How Much Does Family Health Insurance Cost?
A family floater health insurance policy is a cost-effective solution if you want to insure multiple people. In terms of cost per individual, it's significantly less expensive than purchasing a separate plan for each family member. However, if you have a family member with higher healthcare requirements, like your parents or grandparents, we recommend insuring them under a separate individual plan to avoid depleting your SI. This plan type also offers a yearly tax deduction of ₹25,000/₹50,000 like an individual policy.
Who Should Buy Family Health Insurance?
A family health insurance plan is ideal for nuclear families where all members are relatively healthy and don't have heightened healthcare requirements. It's also recommended for young couples and families with young children, since it helps cover a broad range of planned and emergency medical costs. And since the sum insured is shared, policy management and renewals are also easier since everyone files claims under a single plan.
Disclaimer: The product features, sum insured amount and tax deduction amounts stated within this section are subject to change. To get the most up-to-date information and assistance while deciding between either plan type, contact our customer support team.
Factors That Affect Health Insurance Premiums
Your health insurance premiums are calculated based on several factors. Here are some key parameters you need to pay attention to, as knowing these factors might even help you reduce your policy premiums:
Sum Insured
The higher your sum insured, the better your financial safety net, but it will also increase your premium slightly. However, it’s still better to get more coverage as it ensures you’re protected during medical emergencies, especially for major treatments or long-term hospital stays.
Policy Duration
Longer duration policies can have higher upfront costs but offer better value over time. A 2 or 3-year plan often comes with discounts and shields you from annual price increases or premium revisions.
Type of Health Plan
Whether you choose an individual plan, a family floater, or one with advanced features like maternity or OPD cover, your premium will vary accordingly. Broader coverage and more features come with a slightly higher cost, but also better coverage.
Age and Medical History
Your age and medical history significantly impact your insurance premiums. Older individuals or those with a serious medical history will have higher premiums than younger people or those with a clean medical background.
Pre-existing Medical Conditions
If you already have health conditions like diabetes, high blood pressure, or asthma, your insurer may charge a higher premium. This is because the risk of future claims is higher. So, it's important to disclose these details to avoid claims being rejected later.
Lifestyle Factors
Lifestyle choices such as smoking, alcohol consumption and sedentary behaviour are considered when calculating premiums. Poor lifestyle habits increase the risk of serious health issues like cancer, diabetes and obesity, leading to higher premiums.
Geographical Location
To ensure you get enough medical coverage under your plan, insurers take into account your location/city. This is because healthcare costs in Tier-1/metro cities like Delhi, Mumbai, or Chennai are higher due to the higher cost of living. In contrast, healthcare costs are lower in rural areas. Simply put, if healthcare costs are higher where you live, you’ll need more medical coverage, and more coverage can mean slightly higher premiums.
Things to Remember to File a Health Insurance Claim
Steps for Filing a Claim Online
Notify Us Promptly
Planned hospitalisation? - Inform us at least 48 hours before admission.
Emergency? - Notify us within 24 hours of hospitalisation.
How to Contact Us
Email: rgicl.rcarehealth@IndusIndada.com
Website: Make A Health Insurance Claim
Phone: 022-4890 3009 / 022-4111 2600
App: Self-i App
Courier (for offline submission):
IndusInd General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Cashless Treatment at Network Hospitals
Once you notify, IndusInd General Insurance will:
1. Verify your policy and send an approval letter to the hospital.
2. Alert the hospital about any missing documents within 4 hours
3. Reject and notify if treatment isn’t covered.
Cashless Treatment at Authorised Non-Network Hospitals
The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals.
The cashless claim is available via the IndusInd health claims team, RCARE, on your health card:
Call: 022-4890 3009 (Paid).
Submit documents to RCARE.
RCARE will coordinate for cashless approval if eligible.
Reimbursement Claims (Any Hospital)
If cashless is denied, don’t worry. You can still claim via reimbursement:
Fill and sign the claim form.
Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment.
We will process and pay the approved amount, usually within 15 days*.
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
Most Popular Myths
IndusInd’s Health Insurance Plans vs Other Market Health Plans
Parameters | IndusInd India Plan | IndusInd Global Plan | Other Insurer |
|---|---|---|---|
Sum Insured (SI) | Up to ₹5 crore | Up to $1 million | Up to ₹3 crore |
SI Restoration | Unlimited | Unlimited | Up to ₹3 crore |
Pre/Post Hospitalisation | 90 days pre & 180 days post | 15 days pre & 30 days post | 30 days pre & 90 days post |
Room Rent Limit | None! Pick any hospital room | Up to SI | Fixed limits |
Maternity Cover | Up to ₹2 lakhs | Not Available | Only for select plans |
Discounts | Up to 40% | Up to 37% | Only for multi-year and family plans |
Decode Your Policy – Common Health Insurance Terms Simplified
Premiums
Premium is the amount you pay the insurance company to maintain your health insurance coverage. The insurance company sets premium rates and will depend on factors like the sum insured, age, policy type and health status.
Sum Insured (SI)
The sum insured is the maximum amount of coverage provided by the health insurance policy for medical expenses. So, if your SI is ₹20 lakhs, you can claim medical costs up to ₹20 lakhs during the time your policy is active.
Add-Ons
Add-ons, also known as riders, are optional features that can be added to your health insurance policy to enhance its coverage. These come at an extra nominal fee that’s added to your overall policy premium. Popular IndusInd health insurance add-ons include unlimited SI restoration, waiting period reduction cover, maternity cover and OPD services cover.
Cumulative or No Claim Bonus (NCB)
This is a reward for not making any claims during a policy year. An NCB discount can be redeemed as a discount on premiums on renewal. A cumulative bonus can be redeemed as an additional amount that gets added to your policy SI upon renewal – E.g, if you get a 10% cumulative bonus on your ₹10 lakh SI, on renewal, your SI will be increased to ₹11 lakhs.
Deductibles
Deductibles are the portion of medical expenses that you must pay before the insurance company covers the remaining costs during claims. They come in two types – mandatory and voluntary deductibles.
Mandatory deductibles are built into the policy and must be paid by everyone, regardless of what policy you buy. Voluntary deductibles are optional and can be selected when buying a policy. The voluntary deductible amount gets added to your mandatory deductible amount.
Co-Payment
Co-payment is the fixed percentage of total medical expenses that you must pay out-of-pocket when making a claim. The co-pay will either be a fixed amount or a fixed percentage.
Note that co-pays should not be confused with deductibles. A co-pay needs to be paid every single time you file a claim. The deductible amount must typically be paid once during a policy year. Once you pay the co-pay amount, the insurance company covers the remaining medical costs.
Inclusions and Exclusions
Inclusions are the health conditions and scenarios covered by health insurance. Exclusions are conditions and treatments that are not covered by health insurance.
Cashless Claims
Cashless claims allow you to receive treatment without upfront payment at authorised hospitals. The insurer settles the bill directly with the hospital.
Network Hospitals
Network hospitals are those partnered with your insurance provider. Claims processes in these hospitals are often quicker and require less paperwork.
Pre-existing Disease
Pre-existing diseases are health conditions that exist at the time of purchasing the health insurance policy. These conditions often result in higher premiums due to the increased risk.
Waiting Period
The waiting period is the time after purchasing the health insurance during which claims cannot be made. The initial waiting period for all policies is typically 30 days, and certain conditions, such as pre-existing diseases or maternity coverage, have their own specific waiting periods.
Critical Illness
Critical illnesses are life-threatening conditions such as cancer, stroke, heart ailments, and kidney disease, which are listed and defined by the insurance provider. Health insurance providers offer critical illness coverage to pay for medical treatments for these conditions.
Super Top Up Plan
Super Top-up plans act as supplementary coverage for your existing health insurance policy. They come into effect when the sum insured limit of the base policy is exhausted.
Day Care Treatment
Day care treatments and procedures refer to medical treatments that require less than 24 hours of hospitalisation. These can be minor surgeries like cataract surgery or short treatments that only take a couple of hours, like chemotherapy or dialysis.
AYUSH Treatment
These refer to alternative treatments that fall under Ayurveda, Yoga, Unani, Siddha and Homoeopathy. Under health insurance, AYUSH treatment costs are covered up to the sum insured amount of your policy. You can get AYUSH treatments at any accredited facilities recognised by the Indian Government or the Quality Council of India.
Portability
This process involves switching to a different insurance company with your existing health insurance policy or to a new policy with a different insurance company. Health insurance portability allows you to retain accumulated benefits, such as completed waiting periods and NCB discounts, which you can either retain or transfer to your new policy.
Key Takeaways
IndusInd Health Insurance (previously known as Reliance Health Insurance) provides financial protection against rising medical expenses and ensures that you and your loved ones receive quality care whenever needed. We offer a high sum insured of up to ₹5 Crores, 24/7 online access to our services, and quick cashless claims at all hospitals in India.
We also offer several types of health insurance plans, including international health insurance, super top-up health insurance and family health insurance plan options, to ensure we offer comprehensive medical coverage for everyone. And that’s not all – if you’re looking for targeted coverage, check out our Hospi Care and Critical Illness insurance plans.
Our 100% digital approach, range of discounts, lifelong renewability and easy claim process ensure that you can buy, claim or renew your policy seamlessly. We offer a health insurance policy that you can tailor to your needs, so you can truly say #MeriPolicyMeriChoice!
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Frequently Asked Questions on Health Insurance
I already have a medical insurance plan provided by my employer. Should I still purchase an individual plan?
Yes, since employer-provided health insurance is tied to the company you’re working for, you can lose coverage if you leave your current employer. But if you’ve got a separate plan, you ensure you always have coverage.
We recommend getting a super top-up health insurance plan to pair with your employer-provided health insurance, so you have a safety net in place for you and your family in case you decide to switch jobs.
How can I buy and renew health insurance online?
Scroll up to the form on top of this page and enter your details. If you’re renewing your plan, click on the Renew tab and proceed to enter your details. Click “View Prices” and select the policy you want to buy. Click “Next”, provide your KYC details and pay securely online to get your policy via email.
If you’re renewing your plan, click on the Renew tab and proceed to enter your details. Click “Renew” and check your policy details – you can choose to modify your plan coverage here. Click “Next” and pay your renewal premium to renew your health insurance plan. Alternatively, you can also open the Self-i app, tap “InstaRenew” and pay to instantly renew your plan.
Can I have more than one health insurance policy?
Yes, you can have more than one health insurance plan. For example, if you have a corporate health insurance plan provided by your employer, you can buy another health insurance for you and your family from a private insurance company like IndusInd General Insurance.
If you’re an urban professional, we recommend choosing either our Super Top-Up plan or our Health Gain plan. And if you’re looking for higher coverage, you can buy our Health Infinity plan.
What is a waiting period in health insurance?
This is the time during which you can’t file a claim under your health insurance plan. For example, if your health insurance plan has an initial waiting period of 30 days, you will not be able to file claims during this period. You will need to wait out these 30 days before you can get medical coverage.
Most health insurance plans come with an initial 30-day waiting period, and you can only file claims after this period. The only exception to this is accident-related injuries and medical emergencies. These get covered from day 1 of buying your plan.
At IndusInd General Insurance, we offer options to reduce your pre-existing disease waiting period from 3 years to 1 year*, and you can also choose your maternity waiting period to be either 1 or 2 years*.
How many family members can I cover under my medical insurance plan?
Typically, a family health insurance plan will cover you and your immediate family members, like your spouse, children and parents. Some plans also allow you to add your in-laws and siblings. If you’re looking for a family health insurance policy, the IndusInd Health Gain plan allows you to cover up to 12 family members* and offers coverage up to ₹1 Crore.
If your parents are over 61, we recommend purchasing a separate senior citizen health insurance policy for them to ensure higher coverage or to look for plans that have higher age limits. This will ensure your parents have a dedicated SI amount in case they require frequent treatments or hospital visits. You can also add them under your family health insurance policy. At IndusInd General Insurance, we offer plan options for senior citizens under our existing policies.
Does health insurance offer maternity coverage?
Yes, most health insurance plans will offer maternity coverage under an add-on cover. However, you need to know that maternity coverage does come with a waiting period of 2-4 years, so if you are planning to start a family soon, we’d recommend purchasing a plan well in advance.
At IndusInd General Insurance, our plans offer the option to reduce the waiting period for maternity coverage down to 1 or 2 years* for an extra fee. It’s something you may want to look into if you want to get maternity and newborn coverage sooner. You can get in touch with us for more details.
What is the difference between network and non-network hospitals?
Network hospitals have pre-existing agreements with insurance companies to ensure quicker claim approvals and direct cashless billing for cashless claims. This means, if you get treated at an IndusInd network hospital, cashless claims get approved quicker than getting treated at a non-network hospital. We offer an extensive network of over 10,000 hospitals* across India to ensure access to high-quality medical care no matter where you are.
Non-network hospitals are hospitals that do not have any agreements with insurance companies. You can still get treatment at a non-network hospital and file a cashless claim; the process may just take a little longer.
Can I get free treatment at network hospitals?
If your health policy offers cashless hospitalisation, you can get treatment at network hospitals. However, you may still need to pay deductibles, co-payments and costs beyond coverage limits.
With IndusInd health insurance, you can get cashless treatment at any hospital in India. For quicker approvals, we recommend getting treated at one of our network hospitals, since claim settlements at non-network hospitals can take as long as 3 hours.
What are the documents required to file a health insurance claim?
Typically, you’ll need –
Your policy certificate. It can be a digital or a hard copy. You can download it using the Self-i app.
KYC documents for ID and address details (Aadhar, PAN number, voter ID, etc.),
Hospital bills/receipts, discharge summary and diagnostic test reports.
You can contact us to know the exact list of documents needed for your claim. Cash reimbursement claims typically take 15 days*, while cashless claims are settled within 3 hours*.
Can I change my coverage or plan at the time of health insurance policy renewal?
Yes, you can also adjust your policy or switch to a different plan during health insurance renewal. For any policy adjustments or upgrades, you can contact customer support.
We offer a 30-day grace period* from the expiry date to renew your health insurance policy without penalties. Failing to renew during this period can result in policy termination.
What happens to the mediclaim policy in case of the sudden death of a policyholder?
For individual plans, the policy terminates upon the policyholder's death, but claims can be filed for hospitalisations that happened before the death. In family health plans, the coverage and sum insured are shared by the remaining members.
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