Cashless health insurance starting at just ₹243/month*
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Up to 40% Discount*
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24x7 Customer Support*
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10,000+ Network Hospitals*
Cashless Health Insurance
Managing rising medical costs requires the right kind of support. Health insurance is a popular choice among individuals, families and groups. However, even with a health plan, the upfront costs can be too expensive for some income categories.
This is where cashless health insurance steps in.
With a cashless health plan, you can get quality treatments without the hassle of upfront payments. The convenience of cashless hospitalisation ensures you can focus on the recovery requirements instead of money management.
IndusInd travel insurance (formerly Reliance travel insurance) offers a wide range of cashless medical insurance plans that promise affordability and peace of mind for handling emergencies better.
Cashless health insurance is any health insurance policy that allows you to get medical treatments without paying any expenses upfront. It allows you to receive quality healthcare services without any financial burden.
You no longer have to struggle to arrange urgent money to cover hospital costs. You just need to focus on getting the right treatment and recovery. After treatment is completed, the payment is settled by the insurer directly with the hospital on your behalf.
With this cashless hospitalisation convenience, your savings are protected during emergencies.
Why Choose Our Health Insurance?
Our health insurance plans offer coverage against the rising cost of medical treatments and cover a wide range of medical services, ensuring healthcare remains accessible to you in times of need.
AYUSH & Modern Surgery
Get 100% SI coverage for both*
Up to 40% Discount*
More coverage and more savings!
Unlimited SI Restoration*
Coverage that never runs out*
20+ Add-On Covers*
Customise our plans to your needs
Key Benefits and Features of Cashless Health Insurance
| Features | Details |
|---|---|
Comprehensive Coverage | It offers extensive coverage for all types of medical expenses, including hospitalisation, treatment, ambulance, diagnostic tests, medication and more. |
Wide Variety of Plans | To get cashless coverage, you can choose individual, family floater, senior citizen, critical illness, and top-up plans. |
Cashless Hospitalisation | Receive quality treatments without the stress of upfront expenses. |
Online Claim Convenience | File a claim and track the status online in a few minutes. |
Direct Expense Settlement | Get your medical bills settled directly with the hospital using any cashless health plan. |
Cashless Everywhere | Get the benefits of cashless hospitalisation at any hospital in India. |
Tax Benefits | Enjoy tax deductions for the premiums paid towards health insurance under Section 80D. |
Benefits of Cashless Everywhere by IndusInd General
Comprehensive Plans
We offer a wide range of health insurance policies under our Cashless Everywhere facility. This ensures extensive coverage for all your medical needs with cashless claim convenience.
Wide Range of Add-Ons
Our cashless facility offers many different add-ons to help you personalise your chosen health plan. Once you customise the plan, you can file a cashless claim without any hassle.
No Restrictions on Hospitals
With our plans, you can choose any hospital for treatment in India or globally. You are no longer limited to network hospitals for a cashless health claim.
Online Claim Convenience
Our quick online process allows you to file a cashless claim without any hassle. Moreover, you can easily track your health claims online to stay updated.
No Claim Bonus
Get up to 50% off on premiums for every consecutive claim-free year at the time of renewal with our No Claim Bonus benefit.
Ample Discounts
Explore different discount schemes when you choose to buy any of our cashless health insurance plans. Get up to 35% off on cashless health insurance plans when you buy online.
Tax Benefits of Cashless Health Insurance
All premiums towards health insurance policies are eligible for tax deductions. Thus, when you choose a cashless health insurance policy, you can avail yourself of tax deductions under Section 80D of the Income Tax Act. Here is all you need to know.
Categories | Tax Deductions |
|---|---|
For individuals below 60 years | Up to ₹25,000 |
For family floater plan premiums (self, spouse and children) below 60 years | Up to ₹25,000 |
For family floater plan premiums (self, spouse, children and parents below 60 years) | Up to ₹50,000 |
For family floater plan premiums (self, spouse, children and parents above 60 years) | Up to ₹75,000 (₹50,000 - Parents and ₹25,000 - family) |
For family floater plan premiums (self, spouse, children and parents, all above 60 years) | Up to ₹1,00,000 (₹50,000 - Parents and ₹50,000 - family) |
Things to Keep in Mind Before Buying a Cashless Health Insurance Plan
Types of IndusInd Health Insurance Policies
IndusInd Health Infinity Insurance
Extensive coverage up to ₹5 crore* with unlimited reinstatement ensures continuous protection even after multiple claims. Suitable for those who need high coverage without claim restrictions or coverage gaps. Our plan also offers the option to increase your sum insured by 30%* under the MoreCover add-on, providing enhanced financial protection for Delhi’s rising healthcare costs. For ex, if you have a ₹3 Cr SI, you can get ₹90 Lakh additional cover with this add-on.
IndusInd Health Gain Insurance
You're covered for hospitalisation, surgeries and treatments with a sum insured from ₹3 lakh to ₹1 crore*, ensuring all routine and emergency healthcare needs are covered. Perfect for individuals and families seeking extensive coverage with flexible customisation options. For ex, if you want to cover your entire family, including your spouse, dependent children and parents under the same SI, this plan is an ideal choice. It allows you to customise with add-ons and different plan variants.
IndusInd Global Health Insurance
Provides worldwide coverage of up to USD 1 million* for planned and emergency treatments across international locations. Emergency medical treatment coverage is available when you add our multi-trip rider to your policy. Ideal for frequent travellers, expatriates and professionals working in MNCs requiring quality international + national healthcare with high coverage in USD for emergency and planned treatments, such as cancer care.
IndusInd Super Top-Up Health Insurance
Acts as financial backup once annual medical expenses exceed the deductible limit, covering additional costs up to ₹1.3 crore*. For example, if you exhausted your ₹10 lakh health insurance for your father's surgery and need to make a second claim for his post-operative care. Then, this insurance will act as a secondary coverage for your other needs, making it ideal for Delhi residents facing the city’s high medical costs.
Inclusions and Exclusions of Cashless Health Insurance
What is Covered?
Hospital Expenses: Covers in-patient hospitalisation, pre/post hospitalisation costs, day care procedures and ambulance charges for comprehensive medical protection.
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.
AYUSH & Modern Treatments: Coverage for traditional AYUSH therapies (Ayurveda, Yoga, Unani, Siddha, Homoeopathy) and advanced treatments like robotic surgery and stem cell procedures.
Maternity & Newborn Care: Prenatal, postnatal, delivery expenses and newborn medical care coverage up to ₹2 lakh* for growing families under this add-on.
Global Emergency Cover: Medical emergency treatment costs are covered abroad for up to 45 days* with a minimal deductible during international travel.
Accident & Illness Protection: Deductible waived for accidents and premium waiver for one year* upon critical illness diagnosis for financial relief.
OPD & Home Care Services Outpatient consultations, diagnostic tests, pharmacy expenses and home-based ICU setup coverage for convenient treatment options.
Annual Health Rewards: Cumulative bonus up to 50%* for every claim-free year, plus free health check-up after 3 years* of policy continuation.
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 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.
Waiting Period: All accident-related claims are covered from day 1. All other claims are subject to an initial 30-day waiting period.
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).
Unlawful or Self-Inflicted Situations: Injuries caused by self-harm, participation in illegal activities, substance abuse, riots, terrorism or war are not covered.
Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
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How Cashless Health Insurance Works?
Buy Policy Online
You compare different health insurance plans that offer a cashless claim option and buy one.
Enjoy Coverage
You enjoy comprehensive coverage offered by your chosen plan.
Get Medical Support
When an emergency takes place, rush to the nearest hospital and get support.
File a Claim
Submit a cashless insurance claim within 24 hours of the emergency.
Claim Settlement
After treatment is completed, the insurer will settle your medical bills directly with the hospital. You will not have to pay any upfront expenses.
How to Use Cashless Health Insurance Card During Hospitalisation?
A cashless health card is crucial for treatments at network hospitals only. To begin treatment, this card must be submitted along with the “Cashless Request Form" at the hospital reception.A copy of your health insurance cashless card is needed at the time of hospital admission. So, you must keep the copy and original card with you to avoid treatment or claim delays.
You can visit our website to get an online cashless health card in just a few minutes. These are the steps to follow -
Visit our website and select the “Self-Help" option from the top right.
Then, select “Health" and then click on “Download Health Card" to proceed.
On the new page, add your cashless health insurance policy number and select “Confirm".
Enter the requested details on the next page, then download and print your R Card to file cashless claims at any of the network hospitals.
Top Reasons for Claim Rejection in a Cashless Mediclaim Policy
My Employer is taking care of my Health Insurance and so I do not need one
Pre-Existing Medical Issues
Your claim can be rejected if you do not update us about pre-existing conditions when you buy cashless health insurance or until the waiting period is over.
My Employer is taking care of my Health Insurance and so I do not need one
Inaccurate Information
Providing inaccurate information on your claim form will result in instant cashless claim rejection. Thus, you must carefully check all the information you add to the form before submission.
My Employer is taking care of my Health Insurance and so I do not need one
False Claims
Filing for claims that are not included in your policy or are not true can result in instant claim rejections.
My Employer is taking care of my Health Insurance and so I do not need one
Invalid Policy
Filing any claim with an invalid cashless mediclaim insurance policy will lead to claim rejection. Moreover, you will risk losing coverage due to delayed renewal.
My Employer is taking care of my Health Insurance and so I do not need one
Delay in Notification
If you delay notifying us of an online cashless health claim, your claim settlement can be delayed or rejected based on the policy terms.
Difference between Cashless vs Reimbursement Claim
Parameters | Cashless | Reimbursement |
|---|---|---|
Upfront Payment | Does not require any upfront payments (except for non-medical expenses). | Requires upfront payments to settle medical bills. |
Hospital Access | You can claim at any hospital in India. | You can claim at any hospital in India. |
Process | Direct process with limited documentation and steps. | It requires the submission of many documents and other information. |
Financial Burden | No financial burden. | Incurs an immediate financial burden to cover medical expenses. |
Settlement Time | Faster processing time, as direct settlement is done between the insurer and the hospital. | Longer processing time, as document verification and approval is required beforehand. |
How to File an IndusInd Health Insurance Claim in Delhi?
Cashless Claims
Step 1
Call our helpline +91 48903009 or use the Self-i App to register a claim.
Step 2
Visit any of our network hospitals or approved non-network hospitals for treatment. Use the cashless network hospital locator widget below to find your nearest hospital.
Step 3
Submit pre-authorisation form within 24 hours for emergency or 48 hours before planned treatment.
Step 4
Provide all required medical reports and bills directly to the hospital staff.
Step 5
We will settle your medical bills directly with the hospital without payment.
Reimbursement Claims
Step 1
Inform us about your claim via helpline, email, or our Self-i App.
Step 2
Visit any authorised hospital of your choice and receive the required medical treatment.
Step 3
Pay all hospital bills and medical expenses upfront from your own pocket.
Step 4
Submit scanned documents within 7 days, including bills, reports and payment receipts.
Step 5
We will review your documents and reimburse the eligible medical expenses amount.
What is an Account Aggregator?
Account Aggregator (AA) is a Reserve Bank of India (RBI) regulated entity that securely collects and transfers customer data between a network of insurance companies, financial institutions and mutual funds. The purpose of transferring data is to make it easier for customers to quickly get various financial services and for institutions to process customer requests with their data being readily available. The data is shared safely through encryptions and digital signatures, thus protecting it from getting into unwanted hands. Not even Account Aggregators can read the customer data they collect. Most importantly, any data is shared only with the explicit consent of the customer.
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Claim Settlement: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of IndusInd General Insurance Co. Ltd.
Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
Health Infinity UIN: The details mentioned above are for IndusInd Health Infinity Insurance UIN: RELHLIP23120V042223
Health Gain UIN: The details mentioned above are for IndusInd Health Gain Policy. IndusInd Health Gain UIN: RELHLIP22229V032122
Health Super Top-Up UIN: The details mentioned above are for IndusInd Health Super Top Up. UIN- RELHLIP21617V012021.
Heath Global UIN: Details mentioned above are for IndusInd Health Global UIN: IRDAN103RP0001V01202324
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