IndusInd Health Insurance

A hospitalisation bill of Rs. 3–5 lakh is no longer rare in Indian cities. For a cardiac procedure, a knee replacement or even a week-long stay for typhoid, costs have climbed sharply and most families are unprepared. The bigger problem is not the emergency itself, but discovering midway through it that your savings are being drained and your health insurance policy isn't as comprehensive as the brochure suggested. That confusion about what's covered, what isn't, how claims work is exactly what costs people money at the worst possible time.

This article will help you cut through that. If you are considering IndusInd health insurance, you will find here: what plans actually offer, their eligibility rules, how claims are processed and what you need to do before signing up.
 

Overview of IndusInd's Health Insurance Structure

IndusInd General Insurance Company Limited (formerly Reliance General Insurance) is a standalone general insurer, regulated by IRDAI, that directly underwrites and sells health insurance plans. It was originally incorporated in 2000 as Reliance General Insurance and rebranded to IndusInd General Insurance. This company holds IRDAI Registration No. 103. Its plans Health Gain, Health Infinity, Arogya Sanjeevani, Critical Illness, etc., are what most people searching for "IndusInd health insurance" will land on.

This guide focuses primarily on IndusInd General Insurance's health plans, which are available to the general public and are the most widely marketed under the "IndusInd health insurance" brand.

Key Highlights at a Glance

• Established: 2000 (as Reliance General Insurance); rebranded to IndusInd General Insurance
• Regulatory status: IRDAI-licensed general insurer
• Cashless hospital network: 10,000+ hospitals across India
• Solvency ratio: Above IRDAI’s required minimum of 1.50 (verify latest annual report)
• Plans available: Health Gain, Health Infinity, Arogya Sanjeevani, Super Top-Up, Critical Illness, Hospi Care and more
• Premium starting point: Plans available from Rs. 243/month (advertised on indusindinsurance.com; subject to age, sum insured and location)

Why Choose IndusInd Health Insurance?

The short answer: scale, settlement record and product flexibility. But let's go a level deeper.

• Financial Strength and Credibility
  IndusInd General Insurance is one of India's top-five private general insurers by market share. Its solvency ratio of 1.59 for FY 2024-25 exceeds IRDAI's minimum required ratio of 1.50, meaning the company is adequately capitalised to meet future claim obligations. The claim settlement ratio of 98.75% in 2023-24, with most claims resolved in the first three months, places it among the stronger performers in the private sector.
  These numbers matter because the single biggest risk with health insurance is not falling ill, it is buying a policy from an insurer that delays or rejects claims.
   
• Customer-Centric Features
  The plans are structured to reduce friction at the time of hospitalisation. Cashless claims at over 10,000 network hospitals mean you do not need to arrange funds upfront. The restore benefit under Health Infinity refreshes your entire sum insured if it is exhausted mid-year. This is specifically important for families where one serious illness can wipe out coverage entirely.
  The 0% GST on individual health insurance policies effective from September 22, 2025 (following the 56th GST Council Meeting) has also made IndusInd's plans more affordable. Previously, premiums attracted 18% GST. This change applies to new purchases and renewals of Health Gain, Health Infinity, Super Top-Up and Hospi Care plans where the risk commences on or after September 22, 2025.
   
• Digital and Banking Integration Benefits
  For IndusInd Bank customers, insurance management and premium auto-debit is integrated into their banking relationship. The insurer's digital platform also allows online purchase, renewal and claim status tracking without requiring a branch visit.

Key Features of IndusInd Health Insurance Plans

The features below apply broadly across IndusInd General Insurance's flagship retail plans, though specific limits vary by plan and variant.

• Cashless Hospitalisation Network
  The cashless facility is available at 10,000+ empanelled hospitals across India. At a network hospital, the insurer settles bills directly with the hospital. You only pay non-medical or non-admissible expenses, if any. For planned hospitalisations, pre-authorisation should be sought at least 48 hours in advance. For emergencies, the hospital TPA desk must be notified within 24 hours of admission.
   
• Pre and Post Hospitalisation Coverage
  Medical costs don't begin or end at the hospital door. Consultations, diagnostic tests and medications before and after admission are often significant. Under the Health Gain Plus and Power variants, pre-hospitalisation expenses are covered for 60 days and post-hospitalisation for 60 days. The Prime variant extends post-hospitalisation coverage to 90 days. Health Infinity covers pre-hospitalisation for 90 days and post-hospitalisation for 180 days.
   
• Daycare Procedures Coverage
  Many surgical procedures that once required overnight stays such as cataract surgery, chemotherapy sessions, or dialysis, can now be done within 24 hours due to medical advancement. All daycare procedures are covered under both Health Gain and Health Infinity, up to the chosen sum insured.
   
• No Claim Bonus (NCB) / No Claim Discount (NCD)
  Staying healthy benefits you financially too. The Health Gain plan offers a No Claim Discount (NCD) that reduces your renewal premium if no claim is filed during the policy year. Under Health Infinity, there is a cumulative bonus structure. These rewards compound over claim-free years, helping long-term policyholders save on premiums.
   
• Lifetime Renewability
  All retail health insurance plans from IndusInd General Insurance come with lifetime renewability, in line with IRDAI regulations. As long as premiums are paid on time, the policy cannot be cancelled by the insurer due to age or deteriorating health. This makes it particularly important to buy early, as premiums are lower and coverage continues uninterrupted as you age.

Benefits of IndusInd Health Insurance

Let’s now take a look at some of the benefits of buying this plan:

• Financial Protection Against Medical Expenses
  Health insurance's primary job is to prevent a medical emergency from becoming a financial catastrophe. A five-day hospitalisation for a cardiac procedure can easily cost Rs. 4–8 lakh in a tier-1 city. IndusInd's plans offer sum insured options ranging from Rs. 5 lakh to Rs. 5 crore under Health Gain and up to Rs. 5 crore under Health Infinity, enough to handle most catastrophic events without depleting savings.
   
• Tax Benefits Under Section 80D
  Premiums paid for IndusInd health insurance qualify for deduction under Section 80D of the Income Tax Act, 1961 (now mirrored as Section 126 of the Income Tax Act, 2025). The deduction limits for FY 2025-26 remain unchanged:
• • Up to Rs. 25,000 for self, spouse and dependent children (all below 60 years)
  • Up to Rs. 50,000 if the insured (self, spouse, or children) includes someone aged 60+
  • An additional Rs. 25,000 (or Rs. 50,000 if parents are 60+) for premiums paid for parents
  • Maximum combined deduction: up to Rs. 1,00,000 in a financial year. Note that this benefit is available only under the old tax regime. Taxpayers who have opted for the new regime (Section 115BAC) cannot claim this deduction.
  • A Rs. 5,000 sub-limit for preventive health check-ups is included within the above caps and is the only component where cash payment is permitted.
     
• Coverage for Critical Illnesses
  IndusInd General Insurance offers a standalone Critical Illness Insurance plan that pays a lump-sum on diagnosis of listed conditions, typically including cancer, heart attack, stroke, kidney failure and major organ transplants. Unlike hospitalisation plans that reimburse actual costs, a critical illness plan pays the entire assured sum on confirmed diagnosis, giving the patient flexibility to use funds for treatment, recovery, or income replacement.
   
• Family Floater Options
  A family floater plan covers all named family members under a single sum insured, typically at a lower combined premium than separate individual policies. Under Health Gain, dependent children can be covered from 91 days of age up to 25 years in floater mode. Adults have a maximum entry age of 65 years. For a sum insured of Rs. 3 lakh and above, there is no maximum entry age restriction under certain variants. Hence, check the policy wordings for the specific plan chosen.

Types of IndusInd Health Insurance Plans

IndusInd General Insurance offers plans that can cover individuals at virtually every life stage.

• Individual Health Insurance Plans
  Designed to cover a single insured person with a dedicated sum insured. This means the full cover is available only for the named individual and no dilution by other family members' claims. Best suited for single adults or working professionals who want personalised, unshared coverage.
   
• Family Floater Plans
  A shared pool of coverage for the entire family. Efficient and cost-effective when family members are healthy and unlikely to face simultaneous large claims. The Health Gain plan supports both individual and family floater configurations.
   
• Senior Citizen Health Plans
  Standard retail plans allow entry up to 65 years. Above that, IndusInd General Insurance's Arogya Sanjeevani Policy (a standardised IRDAI plan) provides accessible coverage. Senior citizens should note that premiums are significantly higher and some sub-limits apply to room rent and procedure costs under certain plans.
   
• Critical Illness Plans
  A lump-sum payment product triggered by the diagnosis of specified life-threatening conditions. The IndusInd Critical Illness Insurance plan covers a defined list of illnesses. It complements, rather than replaces, a standard hospitalisation plan.
   
• Super Top-Up Plan
  A cost-effective way to extend coverage beyond your base policy. The Super Top-Up activates once your total medical expenses in a policy year cross a pre-set deductible threshold (typically matching your base policy's sum insured). It is significantly cheaper than buying a higher base sum insured outright.

Coverage Offered Under IndusInd Health Insurance

The table below summarises what is typically covered. Coverage specifics and sub-limits vary by plan. Hence, always verify with the Policy Schedule.

Important Note: This table is indicative only. Sub-limits, conditions and exact coverage amounts depend on the specific plan variant and UIN. Always read the policy wordings before purchasing.
 

Additional Coverages Worth Noting

• Annual vaccinations and health check-ups: The updated Health Gain plan (2025 version) includes coverage for annual vaccinations (up to Rs. 3,500) and annual health check-ups (up to Rs. 3,000) from Day 1 of the policy.
• Chronic Shield Cover (add-on): An optional cover that provides coverage for pre-existing conditions like Asthma, Hypertension, Hyperlipidaemia and Diabetes Mellitus from the 31st day of policy commencement, rather than waiting out the usual 2-4 year PED waiting period. This is a significant benefit for buyers with lifestyle conditions.

What is Not Covered (Exclusions)?

The plan is not all-comprehensive. Here are its exclusions:

• Pre-existing Diseases
  Any condition you were diagnosed with or treated for within 48 months before buying the policy is generally considered a pre-existing disease (PED). Coverage for such conditions kicks in only after the plan's PED waiting period, typically 36 to 48 months of continuous policy renewal. The Chronic Shield add-on can reduce this wait to 31 days for specified conditions.
   
• Cosmetic Treatments
  Procedures that are purely aesthetic like plastic surgery, hair transplants, whitening treatments are excluded. The exception is reconstructive surgery needed due to an accident or illness, which may be covered.
   
• Self-inflicted Injuries
  Claims arising from intentional self-harm, attempted suicide, or participation in criminal acts are not admissible. Injuries from influence of alcohol or narcotics also fall outside coverage.
   
• Non-medical Expenses
  Consumable items like gloves, syringes, PPE and toiletries are typically excluded. They are the out-of-pocket expenses even during a cashless claim. Under Health Infinity's optional "Limitless Covers" add-on, consumables up to the sum insured are covered.

Other common exclusions across plans include:

• Injuries from war, nuclear events, or terrorism
• Infertility and assisted reproduction treatments (unless specifically covered)
• OPD consultations and outpatient medicines are generally not covered unless explicitly included as an add-on or plan-specific benefit.
• Dental or vision correction treatment (unless included as optional cover)
• Treatment outside India (for standard retail plans; Health Global Insurance covers international treatment)

Waiting Periods in IndusInd Health Insurance

Waiting periods are non-negotiable in the first years of a policy. Missing this detail is one of the most common reasons for claim rejection.

• Initial Waiting Period: A standard 30-day waiting period applies from policy commencement. No claims for any illness or disease are admissible during this window. The only exception: accidental injuries, which are covered from Day 1.
• Pre-existing Disease Waiting Period: PEDs are covered after 36 to 48 months of continuous renewal, depending on the plan variant. The Chronic Shield add-on cuts this to 31 days for Asthma, Hypertension, Hyperlipidaemia and Diabetes.
• Disease-specific Waiting Period: Certain conditions carry a specific waiting period of 24 months, regardless of whether they existed before purchase. These typically include joint replacement, hernia, cataract, kidney stones, uterine disorders and vertebral disorders (Spondylitis, Spondylosis, etc.). Always check the policy's schedule of diseases for an exact list.

Eligibility Criteria

Note: Entry age conditions are subject to the specific policy version in force at time of purchase. Verify with indusindinsurance.com or the sales brochure.

Renewability Conditions

All plans come with lifetime renewability. The insurer can only cancel a policy in cases of fraud or misrepresentation. Premium increases on renewal are age-based and actuarially driven and they are not punitive for filing claims under most plans, given the NCD structure.

Family Member Inclusion Rules

Under a family floater, eligible members typically include: self, legally wedded spouse, dependent children (91 days to 25 years) and in some variants, parents and parents-in-law. The number of family members covered under one floater policy affects the premium. Remember that discounts apply for families of 2-3 members (5%) and 4 or more members (10%) under Health Gain.
 

IndusInd Health Insurance Plans — A Comparison

Note: Plan features and sum insured options are indicative and subject to change. Verify current offerings at the insurer website before purchase.
 

Documents Required to Buy IndusInd Health Insurance

Keep these ready before you start the purchase flow online:

• Identity proof: Aadhaar card, PAN card, Passport, Voter ID, or Driving Licence
• Age proof: Any government-issued document showing date of birth
• Address proof: Aadhaar, utility bill, or bank statement
• Passport-size photograph: Digital copy for online purchase
• Existing health documents: If you have pre-existing conditions, previous prescriptions or diagnostic reports may be requested
• Previous policy details: If porting from another insurer, the last policy document and claim history

For family floater plans, similar documents are required for each covered member. Pre-policy medical check-ups may be required for applicants above 45 years, depending on the sum insured.
 

How to Buy IndusInd Health Insurance Online?

Buying directly from the insurer's website takes under 10 minutes if your documents are at hand.

Step 1: Visit indusindinsurance.com/health-insurance

Step 2: Enter your name, mobile number and PIN code. Select whether you want to opt for the 0% GST benefit (for policies starting on or after September 22, 2025).

Step 3: Verify your mobile number via OTP.

Step 4: Select the plan type (individual, floater), add family members if applicable and enter date of birth details.

Step 5: Receive customised premium quotes. Compare variants (Plus, Power, Prime for Health Gain, or Infinity variants).

Step 6: Add optional covers or riders you need (Chronic Shield, Air Ambulance, Consumable Cover, etc.).

Step 7: Complete KYC using Aadhaar-based e-verification.

Step 8: Pay via net banking, credit/debit card, UPI, or mobile wallet.

Step 9: Policy document is issued digitally, usually instantly or within a few hours.

You can also call +91 22 48903009 (Paid line, 9:00 AM to 7:00 PM daily) or WhatsApp at 7400422200 to get assistance before or during purchase.

Thinking about your coverage gap? You're not alone.

Most families realise their cover is insufficient only at the hospital billing counter; when it's too late to change anything. If you want expert guidance on which IndusInd plan fits your age, family size and health profile, visit SMC Insurance for a comparison that goes beyond the brochure.
 

Claim Process for IndusInd Health Insurance

Two routes: cashless and reimbursement.

Cashless Claim Process

Use this route when getting treatment at a network hospital.

1. Identify a network hospital from the insurer's portal before admission (for planned procedures).
2. At admission, inform the hospital's TPA desk. Carry your health card / e-health card issued with the policy and a government-issued photo ID.
3. The TPA desk submits a pre-authorisation form to IndusInd General Insurance. For planned admissions, do this at least 48 hours in advance. For emergencies, notify within 24 hours of admission.
4. Once pre-authorisation is approved, the insurer communicates directly with the hospital.
5. At discharge, review the final bill. You pay only non-admissible or non-medical expenses.

Reimbursement Claim Process

Use this when treatment is at a non-network hospital or when a cashless claim was not pre-authorised.

1. Pay the hospital bills in full at discharge.
2. Collect all original documents before leaving the hospital (see list below).
3. Intimate the claim to IndusInd General Insurance within the stipulated period (check your policy, typically within 30 days of discharge).
4. Submit documents online at indusindinsurance.com or via courier/branch.
5. The claims team reviews and processes reimbursement, typically within 30 days of receiving complete documents.

You can also register claims by calling +91 22 48903009 (24 hours for health claims).
 

Tips for Smooth Claim Settlement

• Intimate early: Whether cashless or reimbursement, early notification is the single most important step. Late intimation is a common ground for claim repudiation, even if the treatment itself is fully covered.
• Preserve all originals: For reimbursement, never submit photocopies as substitutes unless specifically allowed. Original discharge summaries, bills and lab reports are required.
• Disclose pre-existing conditions: A rejected claim at the hospital due to non-disclosure is far more damaging than a slightly higher premium at purchase. The insurer can repudiate claims (and even cancel the policy) if it discovers material non-disclosure.
• Know your network: Confirm before admission that the hospital is empanelled for cashless. Use the insurer's portal or call the helpline.
• Follow up on pending claims: Track claim status online using your policy number. If there is a shortfall or rejection, you have the right to seek a reason in writing and escalate to IRDAI's Integrated Grievance Management System (IGMS) at igms.irda.gov.in.
• Keep a pre-policy record: If you have any health condition, document your health history before buying. This prevents any future dispute about whether a condition pre-existed the policy.

Network Hospitals of IndusInd Health Insurance

IndusInd General Insurance has partnerships with 10,000+ cashless network hospitals across India, with the FY25 annual report indicating expansion to approximately 10,900 hospitals. The network covers metro cities, tier-2 towns and many tier-3 locations.

To find hospitals near you:

• Visit the official website: indusindinsurance.com
• Use the "Network Hospitals" search by PIN code or city
• Or call the helpline: +91 22 48903009

The practical check for any buyer: before buying, search for network hospitals within 5 km of your home and your workplace. If there are no empanelled hospitals in your area, the cashless benefit loses most of its value.

FAQs