Health Insurance Plans Starting at Just ₹243/Month*
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Coverage up to ₹5 crore
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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, doctor consultations and day care treatments - which are hospital treatments that take less than 24 hours, like chemotherapy, dialysis, cataract surgery, etc.
With rising healthcare costs and medical inflation increasing by 14% annually in India, the Indian middle class is most affected, and corporate health insurance is no longer enough to cover costs fully. This makes health insurance an investment, not an expense.
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 (formerly Reliance 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. The IndusInd Insurance app also enables quick claim registration and 24/7 customer support. As your health partner, we prioritise your health and well-being, providing you with a seamless experience.
What is Health Insurance?
Health insurance is your financial backup plan for hospital bills, health scares and medical emergencies. Here’s how it works:
- You pay a premium.
- Fall sick? – Visit a partner hospital.
- IndusInd pays your medical bills cashlessly.
- You pay almost nothing, even during major illnesses.
Health Insurance Basics: Components & Definitions
Premium
This is just another word for the fee you pay when buying or renewing your policy. Since health insurance is a type of ongoing service, most plans will require you to renew every year.
Sum Insured
This is the total amount your health insurance will be able to pay for every year when you file a claim to cover your medical bills. For example, a ₹20 lakh sum insured = up to ₹20 lakh of hospital bills covered.
Coverage/Cover
Refers to the treatment and illnesses your health insurance will pay for. For example, all health insurance policies will offer coverage for emergency medical bills arising from accidents. Some health insurance plans will offer coverage for critical illnesses like cancer.
Add-Ons/Riders
This is extra coverage you can buy along with your health insurance plan, for an extra fee. You can add or remove add-ons during policy purchase or renewal, and they can be added or removed from your plan as needed.
Grace Period
This is a 30-day time period after the renewal due date of your policy. It’s extra time you get to renew your health insurance policy.
Waiting Period
This is the time you must wait after buying your policy to receive coverage for certain treatments or illnesses. Common waiting periods include –
- Initial Waiting Period (right after you buy the policy): 30 days
- Pre-Existing Disease: 3 years
- Maternity: 2 - 4 years
Claim
This is when you contact the insurance company to let them know you need coverage for your medical bills. There are 2 types – cashless (insurer directly pays the hospital) and reimbursement (you pay first and then the insurer pays you back).
Exclusions
These are treatments and illnesses not covered by your health insurance policy. Common exclusions include cosmetic procedures and self-inflicted injuries.
You can buy health insurance online from our website, customise coverage and get instant policy issuance, along with many other benefits like shorter waiting periods.
Why Health Insurance is A Must in Today’s India?
Disclaimer: The values present within this section have been taken from multiple sources and are subject to change. For policy-specific coverage, please refer to your policy document.
Common Health Insurance Myths (And the Truth)
How to Choose the Right Health Insurance Plan?
Choosing a health insurance plan can feel overwhelming, especially if you’ve never bought a policy before. There are too many terms, clauses and numbers that often don’t always make sense. That’s why IndusInd General Insurance offers a 7-step foolproof framework for every Indian family. We break down this process into 7 simple, practical steps you can follow.
Who Are You Buying Insurance For?
Your policy needs to match your life stage and family structure. We tell you exactly what to check for, what type of plan you’ll need and our plan recommendations.
For example, if you’re in your 20s, you’ll ideally need an individual policy with at least a ₹10-20 lakh sum insured. This is also the best time to buy a plan since premiums are at their cheapest.
How Much Sum Insured Do You Need?
The most important decision that’ll decide how much your health insurance policy will cover. Based on your lifestyle, age, hospital preferences and family size, we tell you exactly how much sum insured is enough.
For example, if you live in a metro city like Chennai, Mumbai, or Delhi, you’ll need a minimum sum insured of ₹25 lakhs to cover emergency and routine medical bills.
Plan types and Individual vs Family Floater
There are plenty of plans to choose from, but the 2 most popular ones are individual and family floater.
Individual policies offer more flexibility, while family plans are more cost-effective if you want to cover multiple people. We tell you exactly which plan is right for you.
For example, if you have a family member with higher healthcare needs or a huge age gap between you and your parents. It may be best to get a separate individual plan for them while you get a family plan for your spouse and children.
Features That Matter
Most Indians regret not choosing these features when buying a policy. We list exactly which features to check and show you which features our policies cover.
For example, we recommend checking for features like pre-existing disease coverage, OPD cover, day care, AYUSH, and maternity coverage under any plan you select.
Add-ons That Actually Matter
You get a complete list of add-ons and exactly what they do. These strengthen your coverage, so we recommend reviewing them.
Some popular add-ons we recommend for all policyholders would be the OPD cover, Unlimited restore benefit, and Reduction in Room Rent Limit.
Waiting Periods
You’ll want a policy with short waiting periods so you’re not stuck waiting for coverage when you need it most. We tell you the exact waiting periods for each coverage type. For instance, you have an initial 30-day waiting period when you buy your policy and 3-year waiting periods for maternity and pre-existing diseases.
What is Covered and Not Covered by Health Insurance
Look into inclusions and exclusions to know what your policy does and does not cover. Check our list of key inclusions and exclusions to know more.
For example, all policies will cover emergency medical costs resulting from accidents. Some standard exclusions include cosmetic procedures, self-inflicted injuries, and injuries due to war.
Buying Health Insurance at Different Life Stages
Young Professionals (Age 21–35)
The younger you are, the cheaper the policy! This is the best age to buy health insurance.
Why?
- Lowest premium of your lifetime & more coverage for less cost
- No medical tests
- Short waiting periods
- Best time to accumulate NCB and Cumulative Bonuses
- Your corporate health policy won’t be enough
Recommended Coverage:
₹5–10 lakhs minimum, ideally ₹10–20 lakhs (metro cities)
Best IndusInd Fit:
- IndusInd Health Gain – Individual Plan
- IndusInd Health Infinity – Individual Plan
- IndusInd Super-Top Insurance (to pair with your corporate plan)
- Add-ons: OPD Services, Unlimited Restore Benefit, Maternity Cover (for women), Super Charger (for 100% loyalty bonus on SI), Guaranteed Cumulative Bonus
Newly Married Couples
You’ll need coverage + affordability + maternity planning.
Why:
- Two incomes = shared risk, so better financial planning is needed
- Corporate cover isn’t sufficient
- Early maternity planning (there’s a 2-year waiting period)
- Lifestyle-related illnesses - Stress, long work hours, poor diet, and sedentary lifestyles
Recommended Coverage:
- ₹10–20 lakhs (joint floater)
- ₹20 lakhs + ₹25-50 lakhs Super Top-Up (for family history of illness)
Best IndusInd Fit:
- IndusInd Health Gain – Family Floater
- IndusInd Super-Top Insurance (to pair with corporate plans)
- Add-ons: Maternity Cover and OPD Services
Families With Children
Families often face rising financial responsibilities, so a family floater plan can be the perfect financial shield.
Why
- Children fall sick more often
- Rising pediatric and maternity costfs
- Family plans are more cost-effective + easier to manage
Recommended Coverage:
- ₹20–30 lakhs (for 2 adults + 1-2 children)
- ₹7 lakh to ₹10 lakh (rural & semi-rural areas)
Best IndusInd Fit:
- IndusInd Health Gain – Family Floater (2 Adults + Children)
- IndusInd Health Infinity – Family Plan (Get the More Cover for 30% more SI)
- Either of the 2 plans with Super Top-Up (if one family member has higher healthcare needs)
- Add-ons: OPD Cover, Maternity, Unlimited Restore Benefit, Emergency Ambulance (for rural areas), Super Charger (for 100% loyalty bonus on SI), Double Cover (200% more SI)
Middle-Aged Adults (Age 36–55)
Healthcare needs and hospitalisation costs often peak in this stage of life. You need high coverage and future-proof plans.
Why:
- Corporate insurance ends the minute you retire.
- Pre-existing conditions get harder to insure later in life.
- More at risk of developing diabetes, hypertension, heart issues, thyroid issues, and joint problems.
- Most major medical events, such as cardiac procedures, cancer treatments, orthopaedic operations, etc., occur between 40 and 60 years of age.
Recommended Coverage:
- ₹20–50 lakhs (metro families)
- ₹50 lakhs + ₹20-50 lakh Super Top Up (for chronic conditions & critical illness)
Best IndusInd Fit:
- IndusInd Health Gain – Individual / Floater
- IndusInd Health Infinity – Individual / Floater
- IndusInd Health Global + India Cover (if you’re looking for treatment overseas)
- IndusInd Critical Illness Policy or IndusInd Hospi Care Insurance (for lump sum payout)
- Add-ons: Reduction of PED waiting period, Unlimited Restore Benefit, OPD Services, Consumables Cover, Change in Modern Treatment Limits
Entry age for the policy
Your healthcare needs increase in this stage. Therefore, you need sustained comprehensive coverage to shield your retirement funds.
Why:
- Medical bills can drain your retirement savings.
- Pre-existing conditions need long-term coverage.
- Cashless hospitalisation ensures no upfront payment stress.
- Employer and family plans often fall short.
Recommended Coverage:
- ₹20–30 lakhs per senior
Best IndusInd Fit:
- IndusInd Health Infinity – Individual Plan
- IndusInd Hospi Care (for regular treatments)
- IndusInd Health Global (if you’re looking for treatment overseas)
- Add-ons: Waiver of Co-payment, Reduction of PED waiting period, OPD Services, Double Cover, Unlimited Restore Benefit
Choose the Right Sum Insured
Average Cost of Hospitalisation
Medical inflation is rising, so your sum insured should rise with it.
If you are financially stable → choose ₹20 lakhs+.
If you have elderly parents → choose ₹30 lakhs+.
If you live in a metro city → never go below ₹10 lakhs. Based on your age, current health status and where you live, healthcare costs can vary greatly. Here’s an overview of the average cost of a single hospitalisation in these regions:
State/Region | Average Cost of Hospitalisation |
|---|---|
Delhi | ₹30,613 |
Punjab | ₹27,718 |
Maharashtra | ₹20,475 |
Uttar Pradesh | ₹18,693 |
Haryana | ₹18,341 |
Choosing a Sum Insured Based on the City of Residence
City | Minimum & Ideal Coverage |
|---|---|
Metro(Mumbai, Delhi, Bangalore, Chennai, Hyderabad etc.) | Minimum: ₹10-15 lakhs Ideal: ₹25–₹50 lakhs |
Tier 1 Cities | Minimum: ₹10 lakhs
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Tier 2 & Tier 3 Cities | Minimum: ₹5-10 lakhs
|
Disclaimer: The values stated here are for illustrative purposes only and are only average estimates.
Types of Health Insurance Plans
Individual Health Insurance
An individual health insurance policy covers 1 person. This plan offers comprehensive coverage for medical costs such as hospitalisation, room rent, ICU charges, medication, and ambulance charges. The coverage can also be modified to be as high or low as you require. For example, if you buy from us, you’re offered sum insured options of ₹5 lakhs to ₹5 crores.
Who Should Buy: Young individuals (20s - 30s), working professionals, sole earners, freelancers and entrepreneurs, or anyone who requires healthcare coverage.
Family Floater Health Insurance
Family health insurance policies cover the same costs as individual plans – hospitalisation, room rent, ICU charges, medication, etc. The only difference is that it can cover multiple people under the same plan, and the sum insured is shared among all the insured members. With a family floater policy, you can cover yourself, your spouse, children, parents and even in-laws. If you buy from us, you cover up to 12 family members*!
Who Should Buy: Young couples looking to grow their family, nuclear families and families where all members are relatively young and healthy
Senior Citizen Health Insurance
This is a specialised plan that covers specific age-related healthcare issues of older individuals (over 60 years). The sum insured for these plans is generally higher, and coverage is also expanded to cover a wider range of illnesses and treatments. If you buy IndusInd health insurance, you get to waive the 20% co-pay with an add-on.
Who Should Buy: Senior citizens (over 61 years) and retirees
Critical Illness Insurance
A critical illness insurance plan pays out a lump sum amount on diagnosis of a major illness (E.g., cancer, stroke, organ failure, etc.). This payout can be used for any purpose, like treatment, medication, lifestyle changes, or even income replacement during recovery breaks. At IndusInd General Insurance, our critical illness insurance covers 10 critical illnesses and offers a maximum payout of ₹10 lakhs.
Who Should Buy: Anyone with a family medical history of major illnesses, or anyone at risk of developing a critical illness late in life.
Super Top-up Health Insurance
A super top-up health insurance policy acts as a supplementary addition to your existing health policy. It’s a cheaper alternative to buying another health insurance policy and allows you to get more sum insured coverage. For example, with a ₹10 lakh super top-up, if your ₹5 lakh base policy is exhausted by a ₹7 lakh medical bill, the super top-up will cover the remaining ₹2 lakhs — meaning no out-of-pocket cost for you.
Who Should Buy: Working professionals, sole earners, or anyone with a health insurance policy looking to boost their sum insured.
Health Global Insurance
An international health insurance policy is meant specifically for those who wish to get treatment overseas for a diagnosed illness. It’s typically meant only to cover planned treatments. With IndusInd international health insurance, you get coverage for emergency medical expenses while overseas through our multi-trip rider. We also cover visa and accommodation costs during your stay abroad.
Who Should Buy: Anyone who wants to get treatment overseas, short-term expats, digital nomads, frequent flyers and business travellers.
Disclaimer: The policy features and prices listed in this section are subject to change. For up-to-date information, you can always check the policy documents or contact customer support.
Individual vs Family Floater
Now that you know what plans there are to choose from, 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
Choose Individual Plan
- You are single and don’t have dependants
- You want a personalised cover
- You have parents over 60
- A family member has pre-existing diseases or higher health risks
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 high or as low as you need it to be. Our plans offer sum insured options from ₹5 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
Choose Family Floater if
- You are a couple
- You have young children
- All family members are relatively young and healthy
- You want higher cover at a lower premium
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 values listed in this section are subject to change. To get up-to-date information and assistance while deciding between either plan type, contact our customer support team.
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 IndusInd Insurance 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 crore |
Global Sum Insured | Up to $1 million |
SI Restoration | Unlimited |
Renewability | Lifelong |
Quick Claims | Settled in 4 hours |
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 lakh |
Organ Donor Expenses | |
Critical Illness Cover | |
Co-Payment Options | |
Add-Ons & Optional Riders | 20+ add-ons |
Disclaimer: Standard T&C applies. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.
Add-ons That Actually Matter
Enhancing your health insurance policy with add-ons can significantly boost your coverage. These optional add-ons offered by IndusInd 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.
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 mellitus, etc. This means you can reduce the waiting period from 3 years to 2 years or 1 year* and get coverage sooner.
Maternity Cover
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.
If you want this included as a base cover, you can go for our Super Top-Up plan.
Increase Pre-Post Hospitalisation Duration
Gain
Enhances your pre-hospitalisation limit to 90 days and your post-hospitalisation limit to 180 days, from the base limits of 60 days (pre) and 60 or 90 days (post).
Available under Health Gain, since the enhanced limits are already available in the base policy for Health Infinity and Global.
OPD Cover
Infinity 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.
Medical Equipment
Infinity Gain
Covers expenses for procuring Durable and Small Medical Equipment or devices as medical aids.
Durable Medical Equipment (DME) includes things like wheelchairs, hearing aids, CPM machines, hospital beds, patient lifts, artificial limbs, walkers, crutches, canes, etc. Small Medical Equipment includes spectacles lens, contact lenses, corrective splints, elbow, hand, shoulder, knee, foot and ankle braces, nebulisers, compression stockings, etc.
Unlimited Restore Benefit
Infinity Global Gain
Get unlimited SI restoration/reinstatement* 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
Infinity 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
Infinity Gain
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.
Super Charger
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*.
Emergency Ambulance
Gain Global
Covers ambulance costs during medical emergencies, up to ₹3,500 per hospitalisation. It ensures you can afford transportation from the emergency site to the nearest hospital or medical facility.
For Health Gain, the road ambulance costs are covered up to prescribed sub-limits under the Power and Prime plan. For Health Global, it's available under the India + Global plan option up to the sum insured.
Air Ambulance
Infinity Global 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
Infinity 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.
Voluntary Aggregate Deductible
Infinity 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)
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
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.
Voluntary Co-Pay Option
Gain
Lower your health insurance premium by choosing to pay 10% or 20% (as opted) of the assessed claim amount for each claim you file, depending on your chosen health policy.
Companion Cover
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.
Specific Disease Waiting Reduction
Infinity
This option allows you to reduce the waiting period for listed illnesses to 12 months (1 year), down from 24 months (2 years).
Reduce Room Rent Limit
Gain, Infinity
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.
Vision Correction
Gain
Available under the Smart Cover bundle, this benefit pays up to ₹1 lakh for eyesight correction treatment due to refractive errors (such as LASIK). The treatment will be covered only under the written advice of an authorised medical practitioner.
Radio Taxi Cover
Gain
Pays up to ₹1000 per hospitalisation* for availing registered radio cab services to get to the nearest Hospital and/or from the hospital to home. This coverage kicks in only once the insurance company accepts your hospitalisation claim.
Second Medical Opinion
Gain, Global
Covers consultation charges for a second opinion from a specialist. You’re covered up to ₹3000 (under Health Gain) or the limit specified under your opted policy. The second medical opinion can be opted for within India, or Indian and overseas in the case of the Health Global policy.
Convalescence Cover
Gain
Pays a lump sum amount of ₹10,000 if you are hospitalised for over 7 continuous and consecutive days. This benefit is payable once in a policy year, and coverage kicks in only when the insurance company has accepted your inpatient hospitalisation Claim.
Vaccination Cover
Gain
At the end of every policy year, this add-on pays up to ₹2000 towards expenses for vaccines taken by the insured members under the policy. We cover up to 11 types of vaccines, including vaccines against influenza, measles, typhoid, and rabies.
Health Check-Up
Gain
Pays up to ₹3000 at the end of each policy year towards the diagnostic or preventive medical tests taken by the insured. The coverage is available on a cashless basis and includes basic tests such as thyroid function and blood sugar tests, as well as advanced medical tests for specific organs like the heart, eyes, kidneys, and lungs.
Child Care Cover
Gain
Available under the Family Care bundle, the Child Care add-on pays a fixed daily amount of ₹1,000 towards child care expenses for any one dependent child up to 12 years of age. The child must also be insured under the policy and hospitalised for at least 72 hours to be eligible for coverage under this add-on.
Hospital Cash Benefit
Gain
Pays a daily cash amount up to 30 days. For ICU hospitalisation, you’re paid an additional 100% of a selected daily cash amount up to 15 days, provided you’ve been hospitalised for a minimum of 72 hours, and your inpatient treatment claim has been accepted.
Daily cash options available are: ₹1,000, ₹1,500, ₹2,000, and ₹ 2,500.
Waiting Periods in Health Insurance
A waiting period is a set timeframe that activates after policy purchase. You need to "wait" or hold your policy for this timeframe to gain access to specific coverage under the policy. IndusInd offers some of the shortest waiting periods among major insurers.
Treatment/Illness | Typical Waiting Period | IndusInd Waiting Period |
|---|---|---|
Initial Waiting Period | 30 days | D-1 coverage for accidents & emergencies |
Pre-Existing Disease | 3 years | 12 months* |
Maternity | 3 years | 12 months* |
Specific Illnesses | 2 years | 12 months* |
*The stated waiting periods are the lowest values after applying the waiting-period reduction add-ons to the stated covers.
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: Weight control procedures, contraception and correction of refractive errors are generally excluded. However, we do cover vision correction after 2 years under the Health Gain policy.
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.
IndusInd Health Insurance Plans
Health Infinity Insurance – Built for Today’s Medical Bills
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 pre-existing diseases.
Health Gain — The Flagship Comprehensive Plan
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 ₹5 Lakh to ₹5 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 ₹5 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).
Health Global Policy – Healthcare Without Borders
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 Super Top-up – When Your Base Cover Falls Short
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 ₹5 lakh to ₹5 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 ₹5 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).
Critical Illness Insurance – Instant Payouts on Diagnosis
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 lakh. 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 lakh, coverage for 10 critical illnesses, no medical tests required on purchase (for those below 45 years), up to 3 years coverage with lifelong renewability.
Hospi Care Insurance – 100% Payouts, For Every Visit
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 lakh 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 lakh, 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.
Disclaimer: The policy features and prices listed within this section are subject to change. For up-to-date information, you can always check the policy documents or contact customer support.
Compare Our Health Insurance Plans
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 crore | Up to ₹5 crore | 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 35% | Up to 40% | Up to 32% |
Unlimited SI Restoration | |||
OPD Coverage | ❌ | ❌ | |
Maternity Coverage | ❌ | ||
Pre and Post Hospitalisation | |||
Change in 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 availability of the coverage features mentioned is subject to policy terms and conditions. For more detailed information, contact 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 ₹5 lakh to ₹5 crore, 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
Get quick support anywhere!
Over 10,000 Network Hospitals
Quick cashless claims pan-India!
AYUSH & Modern Surgery Treatments
Get 100% SI coverage for both
Cashless Hospitalisation & Claims — The IndusInd Advantage
Cashless hospitalisation means: You get treated at an IndusInd network hospital → You show your policy PDF → We authorise your treatment →We pay the bill directly to the hospital → You pay ₹0 from admission to discharge.
Disclaimer: Standard T&C applies. This facility is available subject to acceptance by the hospital. Not available at blacklisted hospitals.
Step-by-Step IndusInd Cashless Claim Process
Cashless Claims Process
Inform Us & Choose a Network Hospital
Planned hospitalisation? - Inform us at least 48 hours before admission.
Emergency? - Notify us within 24 hours of hospitalisation.
You can find the nearest network hospital using our mobile app or hospital locator.
How to Contact Us?
Email: healthcare@indusindinsurance.com
Website: Make A Health Insurance Claim
Phone: 022-4890 3009 / 022-4111 2600
App: IndusInd Insurance App
Courier (for offline submission):
IndusInd General Insurance, 3rd Floor, Krishe Block, Krishe Sapphire, Madhapur, Hyderabad – 500081
Pre-Authorisation Request
1. Share your IndusInd health policy at the TPA/Insurance helpdesk.
2. The hospital will send us a pre-authorisation request that includes diagnosis, treatment plan and estimated bills.
3. We will verify your policy and the pre-authorisation request, and send an approval letter to the hospital.
We Approve & Settle the Claim Cashlessly
1. The hospital and IndusInd General Insurance handle all billing logistics.
2. Approvals are typically completed within minutes
3. Complex cases take slightly longer
4. Real-time communication provided
Discharge & Final Settlement
IndusInd settles the bill directly; you only pay for:
1. Non-medical consumables
2. Items beyond policy coverage (rare)
3. Deductibles and co-payment (if any)
Reimbursement Claims (Your Back-Up)
Fill Out Claims Form
If cashless is denied, don’t worry. You can still claim via reimbursement. Just fill out and sign the claim form. You can do this on the IndusInd Insurance app or on our website.
Submit Documents
Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment. You can submit scanned copies of them via email (igicl.icarehealth@indusindinsurance.com).
Approval & Reimbursement
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.
Health Insurance for Every Life Stage
Disclaimer: Standard T&C applies. Any policy features, premium rates, and related values mentioned are subject to change.
What is the GST Exemption for Health Insurance?
Starting September 22, 2025, your health insurance premiums will no longer include 18% GST!
This makes health insurance policies for families, individuals, and senior citizens more affordable. The savings may not be the full 18% in every case, but you can still expect 10–15% lower prices. If your renewal is coming up, it’s smart to schedule it after this date to enjoy the benefit of reduced costs.
Understanding GST 2.0 on Health Insurance
Earlier, health insurance premiums carried an 18% GST, which increased the final cost of the policy for buyers. For instance, a policy with a base premium of ₹30,000 ended up costing ₹35,400 after the GST on health insurance was applied.
With the new GST exemption on health insurance, you now pay only the base premium — ₹30,000. This direct saving makes insurance easier to maintain year after year. This GST exemption applies to both new and renewal premiums.
Note that group health insurance plans will still attract 18% GST.
How GST Exemption Makes Health Insurance More Affordable
Scenario | Before (Until Sept 21, 2025) | After (From Sept 22, 2025) |
|---|---|---|
GST Rate | 18% GST on premium | 0% GST on premium |
Example Premium | If your annual premium was ₹50,000, you paid ₹9,000 as GST (18%), bringing your total to ₹59,000 | If your annual base premium was ₹50,000, your premium now stays ₹50,000, with no added tax. |
Riders & Add-ons | ₹6,000 + ₹1080 tax | Flat ₹6,000, no tax added |
Impact on You | Higher cost due to GST added on every purchase & renewal | Direct savings on tax amount, making health insurance more affordable |
Disclaimer: GST percentages and premium rates are subject to change under Indian tax law amendments. For the most up-to-date quotes, contact us.
GST Impact on Add-ons & Claim Settlements
The GST exemption will also apply to any add-on rider you buy under your health insurance policy. For example, if your add-on riders cost ₹3,000, you would only have to pay the ₹3,000 with your health insurance premiums. No extra GST costs would apply.
As for health insurance claims, the money you receive as a claim settlement is considered a transfer of benefits and thus is fully tax-exempt. Neither you nor the insurer will need to deduct any GST from the claim amount.
In simple terms, this new GST reform only affects the cost of purchasing/renewing a health insurance policy. It does not reduce the amount you receive when you make a claim.
For a more thorough understanding of how the new GST exemption will affect your policy premiums, you can read our blog on Zero GST on Health Insurance Premiums.
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 ₹5 lakh to ₹5 crore. 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 IndusInd Insurance 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.
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.
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 assures easy compare and purchase from the comfort of your home.
Instant Policy Issuance
Get instant policy confirmation and coverage commencement 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 our mobile app.
24/7 Availability
Buy and manage your policy anytime, anywhere. No need to wait for office visits or fixed hours.
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 IndusInd Insurance 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 |
How to Buy Health Insurance Online
Steps to Buy Health Insurance
Scroll Up
Scroll up to the form on top of this page and click "Get Quote" button
Enter Details
Enter your name, mobile number and PIN code. Then, agree to the terms and conditions to proceed.
Choose Policy & Pay
Click “View Prices,” explore plan options and customise your policy. Next, complete payment to receive your policy via email.
Documents Required
Identity Proof
It can be any government-issued ID, such as Aadhaar, PAN, Voter ID, ration card, etc.
Age Proof
This can be any government document specifying your date of birth like your driver’s licence, Aadhar, passport, birth certificate, etc.
Address Proof
Can be any government document specifying your current residential address, such as utility bills, Aadhaar, or a passport.
How to Renew Your Health Insurance Policy
Steps to Renew Health Insurance
Scroll Up
Scroll up to the form on top of this page and click "Get Quote" button
Enter Details
Enter your policy number or mobile number as requested. Click on “Send OTP” to verify and continue.
Review Policy & Pay to Renew
Review and edit your existing policy if needed. Then, check the updated premium and pay online to renew instantly.
What to Check Before Renewing
Waiting Periods
Check your waiting periods for pre-existing diseases (PEDs) and maternity coverage to see if you now qualify for coverage.
Renewals are also a good time to look into buying waiting period reduction add-ons if you require coverage within the next year.
SI Changes
Assess your future healthcare needs based on your lifestyle and current health condition to determine whether you need to increase or decrease your sum insured. A higher SI is recommended for anyone who will require frequent hospital visits or is about to undergo regular treatment. It's also recommended for those living in metro cities where healthcare is more expensive.
Add-Ons
Check your existing add-ons to see if you still require that additional coverage. For instance, you may no longer need a consumables cover if you know you will no longer require regular hospital visits. Or you may choose to add coverage like the OPD Services cover to cover future consultations, medicine, diagnostic fees and other OPD expenses.
PED Limits
If you have an existing medical condition that may require immediate attention, this is the perfect time to modify your plan and upgrade coverage. Check your policy’s pre-existing disease (PED) limits and waiting periods to see if you are eligible for coverage upon renewal. If not, you can look into getting our PED waiting period reduction add-ons.
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Key Insights on Current Health Scenario in India (2024–2025)
Despite a steady decline in out-of-pocket expenditure, India still reports one of the highest out-of-pocket medical expenses among major economies. (Source: The Economic Times, Observer Research Foundation, Times of India)
In India, around 100 out of every 1 lakh people are diagnosed with cancer. (Source: Ministry of Health and Family Welfare)
More than infectious diseases, noncommunicable diseases (NCDs), like heart disease, are a leading cause of death in India. (Source: The Indian Express, Ministry of Science and Technology)
India still reports the highest rates of tuberculosis in the world, accounting for 27% of new cases. (Source: IndiaSpend)
About 10.6% of Indian adults – roughly 11 out of every 100 adults – are living with a diagnosable mental health disorder. And around 14 out of every 100 people in India have experienced a mental disorder at some point in their lives. (Source: PIB Press Release)
Major cities like Delhi report rising pollution levels, with its Air Quality Index (AQI) reaching 491 out of 500 and saw notable increases in respiratory-related hospitalisations (Source: Business Standard)
Cities like Delhi, Kochi, Secunderabad, Bengaluru & Jaipur also report higher prevalence of kidney disease. (Source: NewsMobile)
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!
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 IndusInd 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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