Hospi Care Insurance Starting at Just ₹243/Month*
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150+ surgeries covered
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AI-assisted claims
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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 are 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.
What is Hospi Care Insurance?
Hospi Care Insurance is a fixed-benefit hospital cash policy that pays you a pre-decided lump sum amount when you are hospitalised for covered treatments. The payout is not linked to your actual medical bills, which means you receive the full benefit amount once a valid claim is approved.
This money is paid directly to you, giving you the freedom to use it for hospital expenses, recovery costs, travel, food or any other out-of-pocket needs during treatment. Whether it’s a surgery, ICU care or a covered day care procedure, Hospi Care ensures you have guaranteed cash support when you need it most, without worrying about bill limits or itemised expenses.
Difference Between Hospi Care Insurance and Base Health Insurance
| Features | Hospi Care Insurance | Base Health Insurance |
|---|---|---|
What It Pays | Fixed daily cash for each 24 hrs of hospitalisation | Reimburses or cashless pays actual medical bills |
Bill Requirement | No medical bills needed for daily cash benefit | Requires bills, receipts and hospital invoices |
Use of Money | Can be used for travel, food, attendant charges, loss of income | Only covers eligible hospital/medical expenses |
Coverage Focus | Hospital stay and surgery cash payouts | Comprehensive medical treatment costs |
Typical Benefit | Daily cash and lump sum surgical/ICU cash | Pays actual cost up to sum insured |
Hospital Cash as Rider vs Standalone Hospital Daily Cash Policy
| Features | Hospital Cash as Rider | Standalone Hospital Daily Cash Policy |
|---|---|---|
Purchase Method | Added on to another health insurance plan | Purchased separately as its own policy |
Dependence on Base Plan | Depends on holding a primary health plan | Independent; no base plan required |
Coverage Scope | Supplements main health insurance | Provides fixed daily cash regardless of other plans |
Flexibility | Limited by base plan terms | Flexible choice of benefit and tenure |
Claim Process | Part of overall health claim process | Separate claim process focused on daily benefit |
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 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
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.
My Employer is taking care of my Health Insurance and so I do not need one
10% Voluntary Co-Payment Discount
If you opt to pay 10% of each claim amount (i.e., a co-payment), you get a 10% discount on your policy premium.
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?
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.
Notify Us on Time
Emergency hospitalisation: Inform within 24 hours
Planned treatments: Inform at least 48 hours in advance
Understand Deductibles
If your plan includes a voluntary deductible, which is a pre-decided portion of the claim amount, you will need to pay that amount before your claim is processed and settled.
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: igicl.icarehealth@indusindinsurance.com, App: IndusInd Insurance App
Website: https://www.indusindinsurance.com
Courier (for offline submission):
IndusInd General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Phone: 022-4890 3009 / 022-4111 2600
Cashless Treatment at Network Hospitals
Once you notify, IndusInd General Insurance 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, ICARE, on your health card:
- Call: 022-4890 3009 (Paid).
- Submit documents to ICARE.
- ICARE 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 policyholders, 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 to become a financial concern.
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