IndusInd Health Insurance FAQs

Yes, you can file a complaint if you feel there is a negligence or lapse on part of the insurance company in processing a proposal.

Yes, you can check the claim status online on IndusInd General Insurance site by providing the policy number or the claim reference number.

The treatment expenses can be claimed either through reimbursement or availing cashless service at a network hospital.

The insurance company pays towards all admissible charges up to the limit of your sum insured.

The minimum entry age to purchase a IndusInd General Critical Illness Policy is 18 years or above.

Medical test is mandatory only if the individual is more than 45 years of age, less than 45 years of age there is no need for medical tests.

Yes, nominee can be changed any time for IndusInd General Critical Illness Policy. You are only needed to provide the details of the nominee to the company for the required change to take place.

For each claim free year, IndusInd General offers a renewal discount of 5% on base premium up to a maximum of 50% for all claim free periods. ​

The sum insured options available under IndusInd Critical Illness Policy are Rs. 5 lakh, Rs. 7 lakh and Rs. 10 lakh.

​The maximum entry age for IndusInd General Critical Illness Policy varies for different sum assured. For Rs. 5 lakh sum assured, it is 65 years; for Rs. 7 lakh, it is 60 years and for Rs. 10 lakh, it is 55 years.

Adding family members to an existing policy is easy, but it is possible only at the time of policy renewal (be it an individual policy or family floater).

Yes, you can opt for IndusInd General health insurance policy on a family floater basis. In such a case, multiple members of a family are covered under a policy by paying a single yearly premium.

Yes, a policyholder who chooses family floater insurance at IndusInd General is eligible for tax exemption as per the Section 80D of Income Tax Act.

IndusInd family health insurance policy HealthGain is an optimum choice for people looking forward to securing themselves as well as their loved ones, both financially and health-wise under a single sum insured. HealthGain is a must buy if you want to insure the health of self, spouse, children, parents, siblings, grandparents, grandchildren, and son or daughter in law.

No! Sum insured changes are not allowed during the policy tenure. If you want to increase or decrease your sum insured, doing so at the time of policy renewal will be successful.

Among many advantages of IndusInd family health insurance, the key ones include lifelong renewability, easy claim settlement, cashless facility at 7,300+ network hospitals, cover for multiple family members, reinstatement of sum insured, 5% premium discount for single woman/girl child, cumulative bonus, family discount on the individual policy, easy policy portability and more.

No, you need to pay for the cost of pre-policy examination directly to the diagnostic center or the doctor. IndusInd General Insurance will coordinate the appointment with its empanelled or diagnostic center.

The grace time is 30 days immediately following the premium due date of the policy.

IndusInd General Insurance offers toll-free number 1800 3009 to customers for claim process. Just call this helpline number and professionals at the company will help you and make things easy for you.

The popular plans are HealthGain, Health Insurance on EMI, Personal Accident, HealthWise, Critical Illness, and Wellness.

The age criteria to buy IndusInd General health insurance plans is given below:

1. No maximum age limit for any policy with the sum insured of Rs. 3 lakh
2. Minimum age entry for individual/floater option – 5 years and above.
3. Children (ages of 91 days and up to 4 years) are covered under a floater option with at least one member of 21 years old or above.
4. Maximum entry age for all health insurance plans: 65 years.
5. No entry age bar for Sum Insured of Rs. 3 Lakh.

The early you invest in IndusInd General individual health insurance plan, the better it will be. If you are in your early 20s, buy health insurance at IndusInd and gain wider coverage at low premium.

IndusInd General individual plans provide coverage on an individual basis. In case of an illness, the entire sum insured is utilized for covering only one individual, i.e. the insured individual.

Benefits offered in individual health insurance at IndusInd includes pre-hospitalisation and post-hospitalisation, in-patient treatment, day care treatment, donor expenses, domiciliary hospitalisation, and others.

Individuals whose family is already covered for health insurance or people who have higher health risk should choose IndusInd individual health insurance plan to get covered for all medical expenses incurred during a medical emergency.

Making any change to the sum insured amount of your IndusInd individual health insurance policy during the tenure may not be possible. However, you can request the same at the time of renewing your policy.

IndusInd individual health insurance has multiple advantages to offer. Some of the key benefits of the policy include sum insured options up to Rs. 15 Lakh, low premium, a longer coverage period, no claim bonus, higher sum insured, reinstatement of sum insured, wellness services, and more.

Yes! A policyholder of IndusInd individual health insurance is eligible to receive tax benefits as per Section 80D of the Income Tax Act, 1961.

Minimum entry age for children under the individual policy is 5 years and above.

Under a family floater policy, the kids between the age of 91 days up to 4 years can be covered provided there is at least one member who is 21 years or above covered under the plan.

Yes, you can easily change the nominee of your family floater policy just by providing the new details to the company.

IndusInd kids health insurance policy is a significant purchase for anyone who wants to cover their dependent kids along with themselves under the same policy. In case, you have children aged 91 days and above, who you want to insure for health, IndusInd HealthGain would be a good choice.

No! If you want to make any change to your IndusInd kids health insurance, the ideal time would be policy renewal and not during the policy tenure as the latter is not allowed by the insurer.

Lifelong renewability, cashless facility at 7,300+ network hospitals, easy claim settlement, cumulative bonus, reinstatement of sum insured, cover for multiple family members, 5% premium discount for single woman/girl child, family discount on individual policy, easy policy portability and various others.

IndusInd kids health insurance plan covers in-patient treatment, pre & post hospitalization, domestic road ambulance, day care treatment, domiciliary hospitalisation, reinstatement of sum insured, cumulative bonus, and more.

Yes! Under Section 80D of the Income Tax Act, 1961, a IndusInd kids health insurance policyholder is eligible for tax benefits.

As early as possible. Usually, maternity health insurance comes with years of the waiting period. To make sure you don’t have to face hassle because of the waiting period, it is suggested to buy a maternity plan early in married life.

Yes, IndusInd provides maternity coverage as a value-added benefit in IndusInd Group Mediclaim Insurance Policy Coverage.

The value-added maternity benefit under IndusInd Group Mediclaim Insurance Policy Coverage includes the option of day-one cover for maternity, pre-existing illness, as well as for children. Note that there is no waiting period for the policy to start.

The maximum entry age for parents under IndusInd General policy is 65 years.

The plan B of Health Gain policy for parents offers add-on benefit of Accidental Rider for no-claim renewal.

Under Plan A, the medical test is needed if the person is greater than equal to 46 years of age and Under Plan B, the medical test is needed for everyone who is greater than equal to 18 years of age. If you are less than 46 years of age and suffering from any of the pre-existing disease, you need to undergo a pre-medical test.

IndusInd parents health insurance policy is a must buy for elderly aged between 60 years up to 80 years, who want to gain financial security against medical expenses incurred during a medical emergency situation, without sacrificing their savings.

No, if you want to make any sum insured changes to the IndusInd parents health insurance policy, do it at the time of policy renewal and not during the policy tenure.

IndusInd parents health insurance policy comes with numerous benefits including easy claim settlement, lifelong renewability, the cashless facility at 7,300+ network hospitals, reinstatement of sum insured, cover for multiple family members, cumulative bonus, wellness solutions, family discount on the individual policy, easy policy portability, reasonable premium amount, etc.

IndusInd parents health insurance includes inpatient treatment, pre & post hospitalization, domiciliary hospitalisation, domestic road ambulance, day care treatment, reinstatement of sum insured, cumulative bonus, and various other expenses under its cover.

Yes! A IndusInd parents health insurance policyholder is eligible for tax benefits under Section 80D of the Income Tax Act, 1961.

If a policyholder is not happy with the services or products offered by the existing insurer, he or she can switch to another insurer without losing the accrued benefits of previous policy. You can also change your individual plan to family floater plan and vice-versa. You can also increase the sum assured amount of your previous policy at the time of portability.

Yes, the policy can be transferred from one insurer to another without losing the credit gained provided the policy is maintained without any breaks.

When you switch from another insurer to IndusInd General, the credit gained like waiting periods and time bound exclusions also get transferred. Thus, you do not need to bear the waiting period again

A IndusInd General Health Insurance policy can be cancelled within a free look period of 15 days. If you disagree with any of the terms or conditions of the policy, you have the option of returning the policy by stating the reason for the same. Following this, you will be entitled for the refund of the premium, provided no claim has been made during that period.

There are majorly four factors that affect the health insurance premium:

• Cover opted( Individual/ floater)
• Sum Insured
• Age of the eldest member of the family
• Optional/add-on covers chosen

For each claim free year, IndusInd General offers a renewal discount of 5% on base premium up to a maximum of 50% for all claim free periods. ​

Mediclaim policy for senior citizens by IndusInd General not only provides a 5% discount for a single woman or girl child, but also tax deductions up to Rs. 35,000 under Section 80D of the Income Tax Act.

Yes, IndusInd General offers re-instatement of base sum insured, if the policyholder exhausts their total sum insured on senior citizen medical insurance policy.

The discounts offered include 5% discount for single women or girl child and 5% discount if the policyholder has IndusInd Private Car Package policy.

IndusInd senior citizen health insurance is an excellent choice for elderly who wish to safeguard their savings against medical expenses that may arise during an unexpected medical emergency situation. The maximum entry age for the plan is 65 years, so if you are below 65 years and want to insure yourself, buy HealthGain policy.

No! Making sum insured changes during IndusInd senior citizen health insurance policy tenure may not be possible as the company does not allow so. If you want to change the amount, request for the same at the time of policy renewal.

IndusInd senior citizen health insurance has various features to cover. The key ones include inpatient treatment, pre & post hospitalization, domiciliary hospitalisation, domestic road ambulance, reinstatement of sum insured, cumulative bonus, day care treatment, and multiple other expenses that otherwise may be too much to manage.

Yes! IndusInd senior citizen health insurance policy provides tax benefits under Section 80D of the Income Tax Act, 1961.

The sum assured is reinstated up to 100% of base sum assured, subject to sub-limit of 20% for related injury/illness.

Yes, there is a 5% discount for the independent woman under Health Gain policy.

Health Gain policy of IndusInd General provides donor expense coverage of 50% of sum insured up to a maximum of Rs. 5 lakh.

IndusInd woman health insurance policy HealthGain is a must-buy for women who wish to financially secure themselves as well as their family members against medical expenses that may incur during a medical emergency situation.

No, changes to sum insured amount are not allowed during the policy tenure. However, sum insured changes can be made at the time of policy renewal.

The major advantages of IndusInd woman health insurance are lifetime renewability, cashless facility at 7,300+ network hospitals, reinstatement of sum insured, cumulative bonus, cover for multiple family members, easy claim settlement, 5% premium discount for single woman/girl child, family discount on individual policy, easy policy portability, affordable premium and more.

IndusInd woman health insurance plan provides cover for inpatient treatment, pre & post hospitalization, domestic road ambulance, domiciliary hospitalisation, day care treatment, reinstatement of sum insured, cumulative bonus, and various others.

Yes! IndusInd woman health insurance policy offers tax benefits under Section 80D of the Income Tax Act, 1961.