Every Need, One Shield: IndusInd General Insurance!

99.57% Claim Settlement Ratio*
More than 100 Insurance Products*
Over 5 Crore Policyholders*

Types of General Insurance

General insurance is your everyday safety net. It steps in when life throws curveballs – fixing a dented car, repairing a rain-soaked ceiling, paying a hospital bill or salvaging a derailed trip. Think of it as a set of practical covers, including motor, home, health, and travel, that help you recover costs and get back on track without draining your plans or savings.

Why does it matter now? Hospital bills and road risks are rising fast in India. For instance, the average health insurance claim jumped 11.35% in FY24 to ₹70,558, reflecting steeper medical costs. Climate and travel shocks add to the picture. As travel rebounds, travel insurance sales rose 18.95% year-on-year in Q1 2025, a sign that more people want protection against disruptions abroad.

At IndusInd General Insurance (previously Reliance General Insurance), you’ll find clear, practical cover across Health, Motor, Home, Travel, Commercial and more, so you can choose what fits your life today and your goals tomorrow.

And managing it is simple. With the IndusInd Self-i App, you can initiate and track claims digitally, renew policies in minutes and find nearby network hospitals and garages, all from your phone, with real-time updates that speed things up when it matters most.

Why 5 Crore+ Policyholders Choose Us?

Life should be about living, not worrying about bills after a setback. IndusInd General Insurance (previously Reliance General Insurance) offers just the right kind of protection in your everyday life.

Comprehensive Coverage Options*

Enhanced coverage for all policy types!

99.57% Claim Settlement Ratio*

Quick & secure claim settlement!

24/7 Assistance*

Get help anywhere, anytime!

Easy to Buy, Renew & Claim*

Everything instantly through the IndusInd Self-i App

Top Reasons to Buy General Insurance

One bad flu or a surprise surgery can put a dent in your budget. With health insurance, hospitalisation, day-care procedures, and ambulance costs are covered at your preferred hospitals. You can even add your family members and keep them covered under one plan.

A minor crash involving a scooter, a dented bumper, or an injured pedestrian can quickly add up to significant repair costs. Motor insurance helps cover these costs. Plus, since every vehicle owner needs at least third-party motor insurance coverage, it also helps you avoid getting fined by the traffic police.

A burst pipe, a short-circuit, or a monsoon leak can ruin appliances, furniture and even walls. Home insurance helps pay for repairs and replacements, and many plans cover burglary too. If damage forces you out temporarily, some covers include alternative accommodation so life keeps running while your home gets fixed. Valuables can be insured at agreed values.

A flight delay in Bangkok or a lost wallet after a fun night out in Tokyo can quickly derail your travel plans. With travel insurance, you’re covered for these trip emergencies. So anything from a lost passport to medical bills from a medical emergency will be taken care of by your insurer if something does go wrong while you’re overseas. This means fewer worries and more memories.

A shop fire, equipment breakdown or customer slip-and-fall can drain working capital overnight. SME insurance covers property, stock, machinery, money in transit and third-party liability, helping you restore operations quickly. It means payrolls, rent and supplier payments stay on track even when the unexpected interrupts your business.

When something goes wrong, you need help now, not next week. With the IndusInd Self-i App, you can buy or renew policies, file claims with photos and documents, track status in real time and access nearby network hospitals and garages. Round-the-clock assistance makes the process simple, quick, and reassuring.

Types of General Insurance Plans

At IndusInd General Insurance (formerly Reliance General Insurance), whether you're facing medical emergencies, road accidents, natural disasters or travel uncertainties, having the right insurance coverage can provide financial security amid rising risks and costs.

1 Health Insurance

Protect your family’s health and savings with plans that cover hospitalisation, day-care treatments, ambulance costs and more. Choose individual or family-floater sum insured, with options like no-claim benefits and cashless care at network hospitals.

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2 Travel Insurance

Travel with confidence, whether it’s a quick business getaway or a long-awaited international trip. Get cover for medical emergencies abroad, trip delays or cancellations, lost baggage and passport assistance, and more with 24/7 support.

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3 Motor Insurance

Keep your car or bike protected against accidents, theft and third-party liabilities. Choose Third-Party or Comprehensive cover, plus smart add-ons like Nil Depreciation, Engine Protect, Roadside Assistance and a lot more.

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4 SME Insurance

Safeguard your shop, office, clinic or warehouse with tailored protection for property, stock, machinery, burglary, fire, liability and business interruption. Select covers that align with your operations and risk profile, featuring straightforward documentation and prompt support when you need it most.

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Inclusions and Exclusions of IndusInd General Insurance - Health Insurance

Health insurance pays for hospital bills, so a sudden treatment doesn’t unsettle your budget. Here’s what is covered and not covered in our health plans:

What is Covered?

Inpatient hospitalisation (room, nursing, ICU)

Day-care procedures without a 24-hour stay

Pre & post-hospitalisation expenses (within specified days)

Treatment at AYUSH facilities and Emergency ambulance charges

Reinstatement of the base sum insured (SI)

What is Not Covered?

OPD/maternity, unless specifically covered

Experimental/unauthorised procedures

Non-prescribed vitamins/cosmetics, or weight-loss treatments

Self-inflicted injuries or intoxication-related treatment

Hospitalisation/treatments due to war or related activities

Inclusions and Exclusions of IndusInd General Insurance - Motor Insurance

Stay road-legal and protected with our Car and Bike insurance plans. Pick the comprehensive coverage option for extra benefits & add-ons. Here are a few essential inclusions & exclusions to be aware of:

What is Covered?

Third-party liability (injury/property damage)

Own damage from accidents/collisions

Theft, fire and natural calamities (flood, cyclone)

Personal Accident cover for owner-driver (as per policy)

Accident and collision coverage.

What is Not Covered?

Driving without a valid licence or under the influence of alcohol/drugs

Consequential loss, normal wear & tear, depreciation

Mechanical/electrical breakdown not caused by an accident

Using a vehicle beyond its declared use (e.g., racing, private vehicle for hire)

Unauthorised accessories/modifications not declared

Inclusions and Exclusions of IndusInd General Insurance - Travel Insurance

When travel plans go off track, our insurance plans step in. From overseas medical help to other eligible assistance, we’re there for you 24/7. Here’s what else you should know about our travel policy coverage:

What is Covered?

Emergency medical treatment & evacuation abroad

Trip cancellation/interruption due to covered reasons

Loss/delay of checked baggage & passport assistance

Compassionate visit of a near one or a doctor.

Hijack distress allowance.

What is Not Covered?

Travel solely for medical treatment/cosmetic surgery

Pre-existing conditions, unless life-threatening (as per policy)

War zones/sanctioned countries and known events

High-risk sports if not opted as add-ons

Losses due to illegal acts/negligence

Inclusions and Exclusions of IndusInd General Insurance - SME Insurance

Protect your home, shop, office, clinic or warehouse from everyday risks with the right SME insurance plans. Select the covers you need and efficiently manage documentation and claims online with us. Learn about the inclusions & exclusions below:

What is Covered?

Damage to building, contents & stock due to fire/flood/storm

Burglary/robbery of insured property

Machinery breakdown (if opted)

Business interruption/loss of profits after insured damage

Public & product liability (as chosen)

What is Not Covered?

Normal wear & tear or gradual deterioration

Wilful misconduct or gross negligence

War, nuclear, or government confiscation risks

Unrecorded stock/contraband/uninsurable interests

Losses before policy start or outside insured premises

Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wordings.

Difference Between General Insurance and Life Insurance

Insurance comes in two main types: general insurance and life insurance. Each serves a different purpose in protecting you and your loved ones. This table will help you better understand the key differences between the two:

Basis of Comparison	General Insurance	Life Insurance
Coverage	Protects assets/expenses (car, home, health) from non-life risks, such as accidents, damage, and theft.	Covers a person’s life and pays the family a fixed, pre-determined amount on the policyholder’s death.
Policy Duration	Short-term coverage. Typically lasts 1 year and needs to be renewed regularly.	Long-term coverage. Life insurance policies usually span many years or even a lifetime.
Claim Payout	The payout is based on the actual financial loss from a covered event. The insurance company reimburses or directly pays for the damage or costs (up to the coverage limit).	Life insurance pays out a pre-decided amount (sum assured) when the insured passes away during the policy term.
Premiums	Short-term premiums. Generally lower. You usually pay the premium once per policy term (e.g. annually for a yearly policy) to keep the coverage active.	Long-term premiums. They are paid regularly over many years (monthly, quarterly, or yearly). Often higher overall than general insurance premiums.

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features	Features	Features
Premium starting at	Premium starting at	Premium starting at

This is disclaimer for the Table

How to Buy the IndusInd General Insurance Plan?

Purchasing any of the general insurance plans offered by IndusInd General Insurance is straightforward and easy. Here are the quick steps to follow:

Step

Visit our official website and go to ‘Explore Products’. You can also use the IndusInd Self-i App to purchase a plan.

Step

Pick your desired general insurance plan type: Health, Travel, Motor, SME, or a subtype of your choice.

Step

Enter your details and your contact number. You’ll be able to view the prices of your chosen plan on the screen..

Step

Once you’re satisfied with the policy quote, you can proceed to purchase the same or pick a few add-ons if you like.

Step

Make the premium payment online and you’ll receive the policy in your email within minutes.

Buy your choice of a General Insurance plan with us today!

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How to Claim IndusInd General Insurance

Medical Claim

Step 1

Immediately call our 24×7 helpline, email or use the IndusInd Self-i App with your policy number, hospital name, and admission details. For reimbursement claims, inform us before planned admission or as soon as possible in an emergency.

Step 2

Submit the pre-authorisation/claim form at the hospital for cashless treatment. For reimbursement, settle the charges at the hospital and collect all original documents (discharge summary, prescriptions, reports, itemised bills).

Step 3

IndusInd Care (previously Reliance Care) reviews your request and may seek additional documents, if needed.

Step 4

Once verified, we’ll pay directly to the hospital in case of cashless claims. For reimbursement claims, on approval, we reimburse eligible expenses to your registered bank account.

Non-Medical Claim

Step 1

First, contact our 24×7 helpline, email or use the IndusInd Self-i App. Share your policy number, incident dates, what happened, and where.

Step 2

Complete the claim form and collect required documents (for example, Property Irregularity Report (PIR) for baggage issues, FIR/police report for theft, etc.).

Step 3

IndusInd Care (previously Reliance Care) will assess your claim and may request clarifications or additional papers.

Step 4

On approval, eligible expenses/benefits are reimbursed to your bank account as per policy limits and deductibles.

Key Takeaways

Insurance already makes a real difference in India. In FY 2023–24, India’s non-life insurers shouldered ₹1.72 lakh crore in net incurred claims, reflecting how general insurance pays when it matters. The broader market also experienced growth; non-life premiums underwritten reached ₹2.90 lakh crore in FY24, indicating a stronger adoption of protection.

What this means for you: life’s shocks like hospital stays, car accidents, floods and stolen baggage can wipe out savings. From motor mishaps and property damage to travel delays and liability claims, surprises can be costly. With the right cover, those bills don’t derail your plans.

With IndusInd General Insurance (previously Reliance General Insurance), you get practical protection, fast digital support, and live every day freely, without worrying about sudden mishaps draining your savings.

Keep the IndusInd Self-i App handy to keep all your policy-related documents in one place, and be a part of our digital-first approach!

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IndusInd Health Insurance Plans

Individual Health Insurance

Family Health Insurance

Senior Citizen Health Insurance

Critical Illness Health Insurance

Group Health Insurance

International Health Insurance

IndusInd Travel Insurance Plans

Individual Travel Insurance

Family Travel Insurance

Student Travel Insurance

Senior Citizen Travel Insurance

Schengen Travel Insurance

Asia Travel Insurance

Single-Trip Travel Insurance

Annual Multi-Trip Travel Insurance

IndusInd Motor Insurance Plans

Car Insurance

Bike Insurance

Scooter Insurance

Commercial Vehicle Insurance

IndusInd SME Insurance Plans

Shopkeepers Package Policy

Professional Indemnity Insurance for Doctors

Employees Compensation Policy

Pradhan Mantri Fasal Bima Yojana

Marine Cargo Insurance

Contractors Plant and Machinery Policy

Standard Fire and Special Perils Policy

Public Liability Insurance Policy

Directors and Officers Liability Insurance

Reliance Contractor All Risk

Reliance Erection All Risk

Reliance General Insurance

Aapke Protection ka All-rounder

Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Frequently Asked Questions (FAQs)

What should I check before buying a general insurance policy?

Start with your needs (health, motor, home, travel, SME). Then review:

Coverage & exclusions (what’s in / out, sub-limits, waiting periods)

Sum insured & deductibles (enough to cover real costs)

Premium vs budget (value, not just the lowest price)

Cashless network & add-ons (hospitals, garages, riders)

Claims experience (settlement record, documentation, TAT, app support)

Can I buy general insurance online?

Yes. You can compare plans, get quotes and buy or renew in minutes. With the IndusInd Self-i App, you can also upload KYC, receive policy documents instantly and manage claims digitally.

What are the eligibility criteria for general insurance in India?

It varies by product:

Health: age limits, medical history/KYC

Motor: valid RC, inspection (if required), previous policy details

Home/SME: ownership/tenancy proof, property details, security measures

Travel: age, trip duration, destination

Your KYC documents and truthful declarations are mandatory.

Which type of insurance is “most important”?

There’s no one-size-fits-all. Choose by risk: health for medical costs, motor for legal compliance and own-damage cover, home for property protection, and travel for trip risks. Pair general insurance with life insurance if you want to protect your family’s future income.

What are the two main categories of insurance?

General Insurance (non-life): health, motor, home, travel, SME.
Life Insurance: financial protection in case of the insured person’s death (or specified events).

What are the Principles of Insurance?

Seven key ideas guide fair contracts: good faith, insurable interest, indemnity, proximate cause, subrogation, contribution and loss minimisation. They ensure claims are assessed consistently and transparently.

What if a principle is violated?

It can lead to delays, claim denials or even policy voidance. Always disclose facts accurately, follow policy terms, and keep proper records to ensure smooth claims.

Are there any tax benefits under general insurance?

Health insurance premiums may offer tax benefits under Section 80D (as per prevailing law). For businesses, certain general insurance premiums may be treated as expenses. Tax rules change; please consult your tax advisor.

What is a claim in general insurance?

A claim is your formal request asking the insurer to pay for a covered loss/expense under your policy. Submit the claim form and required documents. Once approved, we will pay directly (cashless) or reimburse you up to the policy limits.

Is general insurance an indemnity contract? What does that mean for you?

Yes. A general insurance policy operates on the principle of indemnity, promising to repay the actual financial loss you incur when a covered event, such as a car accident, hospital stay, or home or business-related mishap, affects your finances. The payout is limited to what it costs to get you back to the same financial position you were in before the accident; it’s not a savings plan or a windfall.

Disclaimer: