Coverage Types Offered 

You must perform a health cover comparison across insurers. This means you have to check whether or not the insurer is offering customisation of different health plans to meet your medical needs.
Moreover, if you need coverage for specific planned treatments, want financial coverage for senior citizens or are suffering from a critical illness, your insurer should be able to provide for it.

Amount of Sum Insured

Compare the amount of sum insured by various health plans. Make sure that the sum insured you choose meets your medical requirements while fitting within your budget.
IndusInd General Insurance additionally offers a 100% cumulative bonus option that can effectively increase your sum insured without affecting your premium cost.

Premium Cost

Comparing premium costsis a must to choose the right health insurance. Op​t for a health plan with an affordable premium. We offer several discounts on premiums that can significantly lower your premium amount.

Sub-limit on Room Rent

Avoid insurers who levy sub-limit on room rent, as it will lead to extra expenses on your part. We do not offer any sub-limit on room rent for your financial convenience during medical treatments.

Lifetime Renewability 

A health plan with a lifetime renewability option is the one to opt for, as it gives you access to several benefits like discounts and bonuses. But the best part is that you can enjoy long-term financial protection with such a health plan.

Co-Payment

This may be one of the important differentiating factors in various health insurance plans. Co-payment or ‘Co-pay’ indicates the insured (you) will have to pay fixed 'allowable' expenses at the time of claim.

Exclusions and Inclusions

Always check what is included and what is not in the health policy you want to buy. Read the policy wording so that you can get proper coverage for your medical needs.

Limits on Specific Medical Treatments

Some insurance companies put a cap on expenses incurred on specific medical treatments. The idea behind putting such caps is that the company aims to reduce its spending in case of overcharging by hospitals.

Waiting Period for Specific Diseases

Risk coverage on health problems like hernia, knee replacement surgery, etc., is offered after 2 years of purchasing a policy and continuing to maintain that health insurance plan with the same insurance company, without any break.

Pre-existing Diseases

Risk coverage on pre-existing diseases is generally offered after a waiting period of 1-4 years. In case you have any disease or health-related issues before buying a health policy, look for a health insurance plan with the least waiting period to ensure you get your claim when it is required.

Policy Renewal Charges

Every time you file a claim, your insurer will charge you an additional sum (loading) at the time of renewal. This additional amount is based on the percentage of the insured sum you claimed in the following year.

Maximum Renewable Age

Health insurance plans in India generally allow the renewal of policies till a certain age. The upper age limit for most of the health insurance policies in India is 65 or 70.