Hospi Care insurance starting at just ₹243/month*
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150+ Surgeries Covered*
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AI-Assisted Claims on Self-i*
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10,000+ Network Hospitals*
Hospi Care Insurance
IndusInd Hospi Care Insurance is a type of health cover that offers a fixed payout amount in case you’re ever hospitalised. Unlike regular health insurance, which directly settles your medical bills, our Hospi Care plan puts the money in your hands and offers hospital cash payouts up to ₹10 lakhs.
For instance, if you have a Hospi Care with a sum insured of ₹5 lakh and plan to get a CABG (Coronary Artery Bypass Grafting) surgery, you get the entire ₹5 lakh in hand when you file a claim. Once you get this amount, you are free to use it in any way you deem fit. So, if your surgery only costs you ₹4 lakhs, you can use the remaining ₹1 lakh to cover other tangential costs like food, travel and extra medicine after discharge.
And that’s not all, our plan covers hospitalisation expenses for 150+ surgical procedures* and 140 day care procedures*. It is an ideal plan for anyone looking for a guaranteed fixed cash amount for ICU-related treatment, surgeries and day care procedures. With IndusInd Hospi Care, you’re never caught off guard during a medical emergency.
Key Benefits of IndusInd Hospi Care Insurance
Key Health Insight
India has witnessed a 250%-300% rise in surgery costs in the last decade alone. This is supported by reports which show that around 23% of hospitalisation expenses require people to borrow money to pay them off, whereas 62% are paid out of pocket. This highlights the importance of having a fixed benefit plan to manage expenses in emergencies.
Why 5 Crore+ Policyholders Choose Us?
The IndusInd Hospi Care Insurance (previously Reliance Hospi Care Insurance) policy is a valuable financial tool that helps cover the hidden non-medical costs of hospitalisation. These can include travel costs, food and even wage loss if you need to take an extended leave from work to recover. We recommend pairing this with another plan like Health Infinity or Health Gain, so you can get maximum financial coverage for hospital stays.
Up to ₹10 Lakhs Sum Insured
You get 100% of this amount*
140+ day care treatments*
Get payouts of up to ₹50,000*
Lifetime Renewability*
Get long-term health coverage
24/7 Customer Support
Available anywhere in India
Discounts Under IndusInd Hospi Care Insurance
My Employer is taking care of my Health Insurance and so I do not need one
12% Policy Tenure Discount
Choose a 3-year policy tenure and get an additional 12%* discount.
My Employer is taking care of my Health Insurance and so I do not need one
10% Online Purchase Discount
Get 10%* off instantly when you buy the policy directly from our website or app.
Disclaimer: These discounts are subject to maximum limits. Please ensure you check your policy terms and conditions before purchase.
IndusInd Hospi Care Insurance: Inclusions and Exclusions
What is Covered?
Day 1 Coverage: We offer day 1 coverage under our health insurance plans for accident-related claims and medical emergencies, ensuring quick and comprehensive medical coverage.
Surgical Procedure Cash: Offers lump sum cash of up to 100%* of the sum insured (SI) (maximum 10 lakh) payout for select surgical procedures*.
Hospital Daily Cash: Offers up to ₹4,000 of lump sum daily cash payout (depending on your SI) for a maximum of 60 days in case of hospitalisation for over 24 hours.
ICU Daily Cash: Offers up to ₹8,000* for ICU stays of more than 24 hours during hospitalisation for any surgical procedure or illness for a maximum of 15 days.
Day care Treatment Cash: Offers up to ₹50,000 (depending on your SI) for day care treatments, such as carotid angioplasty, coronary angiography, cataract surgery, etc.
Other Surgeries' Cash: Offers a lump sum cash benefit of up to ₹20,000* (depending on your SI) for any other surgery which is not listed, irrespective of the actual cost incurred on the surgery.
Hospitalisation Due to Vector-Borne Diseases: Offers lump sum cash benefit of ₹20,000 for hospitalisation due to malaria, dengue and chikungunya.
What is 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.
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: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document for complete details by clicking here.
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Details Needed to Buy Our Hospi Care Plan
Here are the requirements you must fulfill before buying the IndusInd Hospi Care Insurance. Knowing these plan options can help you choose the right combination of plan features to ensure you're fully covered.
Age Limits
Adults between 18 and 65 years can buy this policy.
Residence
The policyholder must be an Indian resident.
Individual Policy Requirements
You receive a cover for only one individual in one policy.
Pre-Policy Medical Check-up
If you are above 45 years of age, you must complete a pre-policy check-up (PPC).
Policy Tenure Options
Select the policy period of 1, 2 or 3 years depending on your medical needs.
Sum Insured Options
Choose from ₹1 lakh to ₹10 lakh, based on the surgery needed.
Pre-Existing Diseases
Declare any PEDs when purchasing, as a 36-month waiting period is applicable.
Health and Lifestyle Disclosures
Disclose your choices (like smoking or drinking) and complete medical history.
Premium Payment Flexibility
You can pay monthly, quarterly, half-yearly, or yearly.
How to Buy and Renew Hospi Care Insurance?
Buy Online
Scroll to the top of this page to buy the Hospi Care insurance policy.
Enter your details, such as name, PIN code and mobile number.
Read and agree to the terms and conditions to proceed.
Click “View Prices,” explore options to customise your policy.
Complete payment online to receive your policy instantly via email.
Renew Online
Go to the calculator at the top of this page and select "Renewal".
Enter the required details, including your policy number or mobile number.
Click on “Send OTP” to confirm your mobile number and continue.
Review and edit your existing policy based on your medical needs.
View the updated premium based on your choice and pay online to renew instantly.
Health insurance starting at just ₹243 per month*!
Your Health is Our First Priority
Trusted by thousands for their healthcare needs, IndusInd Hospi Care Insurance offers advanced care for life’s unexpected turns.
Things to Check When Filing a Claim
Here's a checklist to ensure a seamless claim. Knowing these clauses will ensure your health insurance claims are approved quickly and you get timely claim settlements during medical emergencies
Check Applicable Waiting Periods
90 days of initial waiting period for all claims under this policy
2 years for specific conditions
3 years for pre-existing diseases
Fulfil Your Responsibilities
Declare pre-existing conditions honestly
Fill forms correctly and avoid false claims
Pay non-medical expenses
Keep original bills and documents
Collect and Submit All Documents
Ensure all required medical reports, prescriptions, bills, and forms are complete and submitted promptly, especially for reimbursement claims.
How to File a Claim Under IndusInd Hospi Care Insurance?
Steps to File a Claim
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@relianceada.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 (previously - Reliance General Insurance),
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Cashless Treatment at Network Hospitals
Once you notify us, we will:
- Verify your policy and send an approval letter to the hospital.
- Alert the hospital about any missing documents within 4 hours.
- 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 (previously known as Reliance 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 30 days.
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline by clicking here.
Key Takeaways
Our IndusInd Hospi Care Insurance (previously known as Reliance Hospi Care Insurance) plan is a surgery-focused, fixed-benefit plan designed to provide financial support. It offers lump sum cash payouts for surgical treatments, ICU stays, hospitalisation due to diseases and accidental injuries with a flexible sum insured of up to ₹10 lakh.
Whether it’s daily cash benefits for day care treatments, coverage for ICU hospitalisations or payouts for over 150 listed surgeries, this plan ensures that you are equipped to handle medical costs without worry. It is perfect for dual policy holders, i.e. those who have existing health insurance coverage and are seeking lump sum payout and daily cash for their surgical treatments.
This surgery-focused coverage, with the benefits of ICU and disease cash, ensures you receive quality medical treatment as needed. With this plan, we ensure you receive adequate support in the hour of need and prevent medical emergencies turning into financial ones.
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Frequently Asked Questions (FAQs)
What do you mean by lump sum cash benefit?
A lump sum cash benefit refers to a one-time payout we provide towards your hospitalisation expenses. For example, we offer a lump sum payout of ₹10 lakh under our Hospi Care policy.
Can I buy this plan if I have a pre-existing illness?
Yes. You can buy an IndusInd Hospi Care (previously known as Reliance Hospi Care) policy if you have a pre-existing disease.
However, you have to serve a waiting period of 36 months (continuous coverage) before you can claim coverage and benefits. You must have continuous coverage during this 36-month period to be eligible for coverage. This means you must buy and hold the plan for 36 months to complete the waiting period.
Is a pre-policy checkup mandatory for this plan?
Generally, a pre-policy checkup is mandatory only for individuals over 45 years of age with ₹5 lakh SI and above 50 years of age for any SI. However, we cover 100%* of the checkup cost to alleviate your financial burden.
Is it possible to change the sum insured for my plan during the policy year?
No. You can only modify your sum insured at the time of renewal. For detailed information, contact customer support.
How do I transfer my existing health policy to IndusInd General Insurance?
You can transfer an existing health insurance policy to IndusInd General Insurance (previously known as Reliance General Insurance) at the time of its renewal.
To do this, you need to submit a written request to your existing insurer at least 45 days before the renewal date. After this, you can contact us to get started with the transfer process.
Which policy do I file a claim under if I own more than one health policy?
You can file a claim under either policy if you have more than one health insurance policy --
For Cashless Claims: You can file a claim with any health insurance plan with an adequate sum insured.
For Reimbursement Claims: You can file a claim with any one policy. If the claim amount is higher than your sum insured limit, you can claim the remaining amount with another policy.
In case you've been admitted to the hospital for an extended period or require frequent visits, we recommend filing a claim under your IndusInd Hospi Care policy and using the lump sum to pay for your non-medical costs, like transport. You can then use your regular health policy to cover the actual cost of hospitalisation.
How do I file my claims in person?
You can file your claims in person by visiting the nearest branch of IndusInd General Insurance (previously known as Reliance General Insurance) with the specified documents. Use our Branch Locator to find our nearest office.
If your Hospi Care claim is rejected for any reason, you can file an appeal through our Grievance Redressal system.
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