IndusInd Health Gain Policy

The Double Cover add-on provides an additional 100% of your Base Sum Insured for the same medical claim once your initial SI is fully used. For example, if you have ₹10 lakh SI and claim the entire SI during a claim, this add-on will offer an additional coverage of ₹10 lakh* more.

Our cumulative bonus benefit increases your coverage by 33.33%* after each claim-free year up to a maximum of 100%*. Normally lost on a claim, this add-on secures your accumulated bonus. So, your bonus isn't reduced the following year, except for the amount used in claims.

With this add-on, if your base SI is used up during a claim in a year, it is automatically reinstated multiple times and 100%* can be used for related illnesses. For example, if you use the ₹10 lakh SI for a surgery in May, you can use ₹5 lakh in June for a follow-up procedure.

Non-medical items like gloves, masks, cotton and syringes may seem small, but can add up to 18% - 20% of your total hospital bills. As long as they are prescribed by your doctor and a part of your hospital treatment, the cost of these consumables is fully covered up to the full SI.

Advanced medical procedures, such as robotic surgery or stem cell therapy, can be expensive, and some plans may only cover up to 50%* of the SI. With this add-on, you can increase your Modern Treatment coverage up to 100%* of the Sum Insured. 

This add-on covers costs related to LASIK and corrective glasses. It offers up to ₹50,000* with the Plus plan and up to ₹1,00,000* with the Power and Prime plans. Coverage includes LASIK surgery (for refractive index -6.0/+6.0 dioptres), glasses, and consultation fees.

If you are diagnosed with a critical illness, this add-on will cover the cost of getting a second opinion. This cover reimburses for a second medical opinion from a registered doctor in India up to ₹3000* with the Plus and Power plans and up to ₹5,000* with the Prime plan.

With this add-on, you get coverage for preventive health check-up to ₹3,000* at the end of every policy year. It covers tests that help you maintain your health, such as 2D Echo, Liver Profile, Kidney Profile, PAP Smear, etc.

With this add-on, you get annual coverage for important vaccinations up to ₹3,500* with the Prime plan each year. It covers vaccines such as flu, hepatitis, typhoid, MMR, and more, helping you and your family stay healthy without impacting your sum insured.

Get coverage for doctor-advised home treatments like chemotherapy (excluding any support medication), dialysis, hepatitis (supported by positive diagnosis through blood reports), etc, up to a maximum limit. These home treatment expenses are covered up to 100%* of your SI, ensuring comfortable care without financial worry.

When you are hospitalised for more than 3 days, this cover pays a fixed daily amount of ₹1,000 for up to 30 days (from day 1 of hospitalisation) in a policy year to support your companion’s costs like accommodation, transportation and food while they stay with you. 

If you or your spouse are hospitalised for 3 days or more, this cover (applicable to family floater) helps with the insured child’s expenses of one dependent child under 12 years old. It provides a fixed daily amount of ₹1,000 for up to 30 days, so you can focus on recovery, while the expenses of your child are taken care of.

With the base plan, you get 30 days of pre-hospitalisation and 60 days of post-hospitalisation expense coverage. However, this add-on lets you extend your coverage for pre- and post-hospitalisation expenses to up to 90 and 180 days, respectively.

For life-threatening emergencies, this add-on provides air ambulance cover, paying the higher of 7.5%* of your base SI or claims up to ₹5 lakhs (whichever is higher). For instance, with ₹10 lakhs SI and a ₹1.2 lakh claim, we pay ₹1.2 lakhs, but with ₹5 Crore SI (where 7.5% is ₹37 lakhs) and a ₹10 lakh claim, we still pay only ₹5 lakhs.

This cover takes care of your transport by offering coverage of up to ₹1,000 per hospitalisation for registered radio taxi services. This ensures your transport is covered, whether you want to go to the hospital and back home.

A long hospital stay can add up to high expenses, even with your medical bills covered. If you're hospitalised for 7 continuous days or more, this cover gives you a lump sum of ₹25,000* to help with recovery-related expenses like rest, nutritious meals or any extra care you may need at home.

With IndusInd Health Gain (formerly, Reliance Health Gain), you get coverage for the expense  on hospital room rent. This add-on upgrades your current hospital room to a twin sharing room (under our Plus and Power plans options) or a Single Private A.C room (under our PRIME option).

Most health insurance plans make you wait 3 years before covering pre-existing diseases. However, with this benefit, you can reduce the waiting period to just 24 months or even 12 months, depending on the plan you choose.

When opting for this add-on, you choose to cover a comfortable amount from the options ranging between  ₹10,000 to ₹1 Lakh during claims. Insurance kicks in once expenses exceed it and this cost-sharing reduces your premium 

This option removes the usual 20% co-payment you would have to pay on each claim. This means you get 100% cover of the assessed claim amount, and you will not have to cover any costs from your pocket.

This benefit gives you a fixed daily amount of up to ₹2,500 if you are hospitalised for more than 72 continuous hours. This is applicable for up to 30 days of in-patient hospitalisation and 15 days of ICU hospitalisation.