Health Gain Policy – Affordable & Comprehensive Health Insurance Coverage

Name: IndusInd Health Gain Policy
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

The IndusInd Health Gain Policy (formerly Reliance Health Gain Policy) is a comprehensive health insurance plan that covers hospitalisation, surgeries and medical treatments, with sum insured options ranging from ₹5 lakh to ₹5 crore*. It offers better flexibility to meet specific coverage requirements and allows you to customise your plan by choosing among multiple specialised add-ons.

The plan offers extensive, customisable coverage with benefits such as unlimited reinstatement of the sum insured, no room-rent limits, Chronic Shield cover, emergency domestic evacuation, and up to a 40% discount*.

Our health gain plan is suitable for everyone, as you can customise it to your requirements and prioritise your and your family’s needs.

What Is Health Gain Insurance?

IndusInd Health Gain, previously known as Reliance Health Gain, is a customisable health insurance policy offering flexible coverage for individuals and families.

The policy comes in three variants- Plus, Power, and Prime, so you can pick what fits your health needs and budget best. Depending on your plan, you can get coverage for hospital stays, surgeries, day care treatments (e.g., chemotherapy, dialysis, etc.), homecare treatments, and OPD treatments.

This policy also includes benefits such as unlimited SI reinstatement, a No Claim Discount (NCD), Policy Pause and a Spouse First Cover and a premium waiver following a first-time critical illness diagnosis. You can also add riders like reduced waiting periods and air ambulance cover.

Another standout feature of the IndusInd Health Gain is the Chronic Shield cover. On choosing this cover, you can get coverage for pre-existing conditions like Asthma, Hypertension (Blood Pressure), Hyperlipidaemia (Cholesterol) and Diabetes Mellitus starting from the 31st day of policy commencement.

IndusInd Health Gain helps ease the stress of medical costs while giving you access to quality care when you need it. It offers flexible options and solid coverage. It is designed to support your health and finances, both in emergencies and planned treatments.

Key Features of IndusInd Health Gain 3.0

Features	Details
Premiums	Starting at ₹545/month*
Sum Insured	₹5 lakh to ₹5 crore*
Plan Type	Individual/Family Floater
Policy Term	1, 2, 3, 4 or 5 years*
Renewability	Instant via IndusInd Insurance app + Lifelong
Day 1 Coverage Offered For	Health check-ups and vaccinations
Day 31 Coverage Offered For	PEDs (only for Asthma, Hypertension (Blood Pressure), Hyperlipidemia (Cholesterol), Diabetes Mellitus if Chronic Shield is opted)
Unlimited Reinstatement of Base Sum Insured	Available from the next claim onwards for related and unrelated illnesses or injuries
Policy Pause Benefit	Pause your policy for 7 - 90 days* when travelling outside India and get a discount on the renewal premium on a pro-rata basis
Spouse First Cover	Continuity benefit for listed waiting periods served by the insured shall be credited to the newly wedded spouse
Network Hospitals	Over 10,000* across India with streamlined claims services
Cashless Claims Services	Settled within 3 hours* + File claims from your phone with our app
Claim Service Guarantee	You will be paid 1% of the claim amount for delayed claims up to a maximum of 6%*
Add-Ons	Specialised Bundles + Optional Covers*
24/7 Customer Service	Available through Calls, Email, WhatsApp and Bot Assistance
Family Oriented Coverage	Covers up to 12 family members
Pre & Post-Hospitalisation Cover	Up to 60 days pre and 90 days post-hospitalisation

Disclaimer: The values provided within the table are the upper and lower limits of the Health Gain 3.0 plan. To get the most accurate coverage information for your plan, please refer to your policy documents.

What’s Covered Under the IndusInd Health Gain 3.0?

General Coverage

Coverage	Plus	Power	Prime
Base Sum Insured	₹5 lakh	₹10 lakh, ₹15 lakh, ₹20 lakh	₹25 lakh, ₹30 lakh, ₹50 lakh, ₹1 crore, ₹3 crore, ₹5 crore
Renewal Call Option Base Sum Insured	₹3 lakh, ₹5 lakh & ₹6 lakh, ₹9 lakh	₹10 lakh, ₹12 lakh, ₹15 lakh, ₹18 lakh, ₹20 lakh, ₹24 lakh	₹25 lakhs, ₹30 lakhs, ₹36 lakhs, ₹40 lakhs, ₹48 lakhs, ₹50 lakhs, ₹60 lakhs, ₹72 lakhs, ₹80 lakhs, ₹1 Crore, ₹3 Crore, ₹5 Crore
Room Category	Single Private Air-Conditioned Room	Actual room rent expenses (full cost covered)	Same as Power

Hospitalisation Covers

Coverage	Plus	Power	Prime
Hospitalisation Costs for In-Patient Treatment	Up to the Sum Insured	Same as Plus	Same as Plus
Hospitalisation Costs for Day Care Treatment	Up to the Sum Insured	Same as Plus	Same as Plus
Accommodation Bonus	Additional fixed daily amount of ₹1000 (for opting Twin-sharing room category or lower)	Same as Plus	Same as Plus
Pre Hospitalisation	Up to 60 days, within the Sum Insured	Same as Plus	Same as Plus
Post Hospitalisation	Up to 90 days, within the Sum Insured	Same as Plus	Same as Plus
Modern Treatment	Up to 100% of Base Sum Insured	Same as Plus	Same as Plus
Organ Donor Costs	Up to the sum insured, including pre- and post-hospitalisation expenses	Same as Plus	Same as Plus
Domiciliary Hospitalisation	Within the Sum Insured	Same as Plus	Same as Plus
Domestic Road Ambulance	Up to ₹1,500 per hospitalisation; For inter-city ambulance (beyond 100km), up to ₹20,000 per hospitalisation	Actuals (full cost covered, including Intercity ambulance cost beyond 100km)	Same as Power

Extra Cover

Coverage	Plus	Power	Prime
Unlimited Reinstatement of Base Sum Insured	Available for subsequent claims. You get an unlimited restoration of your base sum insured for related and unrelated illnesses or injuries	Same as Plus	Same as Plus
Extra Sum Insured	Additional 20% of the Base Sum Insured on the same claim, in a single hospitalisation	Same as Plus	Same as Plus

Personal Accident Cover

Coverage	Plus	Power	Prime
Accident Death Cover	Not Available	5% of the base sum insured is subject to a minimum of ₹1 lakh	Same as Power

Critical Illness Cover

Coverage	Plus	Power	Prime
Waiver of Premium	Not Applicable	Waives off the renewal premium when diagnosed with a listed critical illness	Same as Power

Renewal Benefits

Coverage	Plus	Power	Prime
Cumulative Bonus	You get a 33.33% increase in base sum insured for every claim-free policy year, up to 100% of the base sum insured, and a 33.33% decrease for every claim year.	Same as Plus	Same as Plus
Call Option for Enhancement of Base Sum Insured	If the customer opts for this benefit – After 4 continuous and consecutive claim-free years, your enhanced sum insured amount will be the expiring policy’s base sum insured amount plus the accumulated cumulative bonus i.e., Enhanced Sum Insured = Expiring Policy’s Base Sum Insured + Accumulated Cumulative Bonus	Same as Plus	Same as Plus
Loyalty Cover	Renewal benefits available for accidental death, permanent total disability, critical illness, hospital cash, and leave compensation benefit upon renewal	Same as Plus	Same as Plus
No Claim Discount	No Claim Discount of ₹50 at the end of each completed and continuous policy year, provided you did not file a claim during the previous policy year	Same as Plus	Same as Plus

Value Added Covers

Coverage	Plus	Power	Prime
Wellness Services	Medical advice through phone and online consultations	Same as Plus	Same as Plus
Claim Service Guarantee	You will be paid 1% of the claim amount for delayed claims up to a maximum of 6%. For Cashless Claims: Delays over 3 to 6 hours; additional 1% paid every 3 hours For Reimbursement Claims: Delays over 15 to up to 21 days; additional 1% paid every 15 days*	Same as Plus	Same as Plus
Policy Pause	Pause your policy for 7 - 90 days* per policy year when travelling outside India and get a renewal discount. For example, if your yearly premium was ₹365 (₹1 per day) and 40 days of your policy were unused, ₹40 would be your discount, and your renewal premium would be ₹325 (₹365 - ₹40) – provided other policy factors remained constant and no policy modifications were made.	Same as Plus	Same as Plus
Spouse First Cover	You get to credit the listed waiting periods to your newly wedded spouse. So, if you completed any waiting period, it will also apply to your spouse, and they will not be subject to a separate waiting period.	Same as Plus	Same as Plus

Preventive Care Covers

Coverage	Plus	Power	Prime
Health Check-Up	₹3000 (Annual Amount, Covered From Day 1)	Same as Plus	Same as Plus
Vaccination Cover	₹3500 (Annual Amount, Covered From Day 1)	Same as Plus	Same as Plus

Disclaimer: The basis of claim payments may differ for select covers. For more information, please refer to your policy documents.

What’s Not Covered Under the IndusInd Health Gain 3.0?

Cosmetic Procedures

Investigation & Evaluation

Obesity & Weight Control

Change-of-Gender Treatments

Rest Cure, Rehabilitation and Respite Care

Wellness and Rejuvenation

Dietary Supplements & Substances

Unproven Treatments

Hazardous or Adventure Sport

Substance Abuse and Alcohol

Breach of Law

*For complete list of exclusions refer to the policy wordings and prospectus.

IndusInd Health Gain Insurance Add-Ons

Enhanced Covers (Bundle)

Coverage	Plus	Power	Prime
Guaranteed Cumulative Bonus	Option A: This benefit waives off the condition of a decrease in the Cumulative Bonus in case of a claim in the immediate previous Policy Year Option B: 100% increase in Base Sum Insured for every claim-free Policy Year, max up to 300% of Base Sum Insured. This also waives off the condition of decrease in the Cumulative Bonus in case of a claim in the immediate previous Policy Year	Same as Plus	Same as Plus
Consumable Cover	List I, II, III, IV mentioned in Annexure A shall be covered up to the sum insured limit	Same as Plus	Same as Plus
Double Cover	Get an additional 100% of the base sum insured amount under the same claim	Same as Plus	Same as Plus
Change in Room Rent Limits	Category of Room Capped to: Twin sharing	Category of Room Capped to: Single Private A.C. room	Same As Power
Reduction in Pre-Existing Waiting Period	This benefit reduces the pre-existing waiting period from 36 months to 24 months or 12 months.	Same as Plus	Same as Plus
Voluntary Aggregate Deductible	Options Are: ₹10,000, ₹25,000, ₹50,000, ₹1 lakh	Same as Plus	Same as Plus
Voluntary Co-Payment	10%/20% on the Assessed Claim Amount	Same as Plus	Same as Plus
Hospital Cash	Daily Cash Options: ₹1000, ₹1500, ₹2000, ₹2500 – for minimum hospitalisation of 72 hours This payment is provided daily for a maximum of: - 30 days for Inpatient hospitalisation - 15 days for ICU hospitalisation	Same as Plus	Same as Plus

Convenience Cover (Bundle)

Coverage	Plus	Power	Prime
Change in Pre-Post Hospitalisation limit	Upgrade of Pre-Hospitalisation coverage to 90 days Upgrade of Post Hospitalisation coverage to 180 days	Same as Plus	Same as Plus
Air Ambulance	7.5% of Base Sum Insured or ₹5 Lakh, whichever is higher	Same as Plus	Same as Plus
Radio Taxi	₹1,000 per Hospitalisation	Same as Plus	Same as Plus
Convalescence Cover	Lumpsum amount of ₹10000 if hospitalised for a minimum period of 7 continuous and consecutive days	Same as Plus	Same as Plus

Smart Covers (Bundle)

Coverage	Plus	Power	Prime
Vision Correction	₹50,000 (Within Sum Insured)	₹1 lakh (Within Sum Insured)	Same as Power
Second Opinion	₹5000 (Within Sum Insured)	Same as Plus	Same as Plus

Family Care Cover (Bundle)

Coverage

Plus

Power

Prime

Home Care Treatment

Covered within the Sum Insured amount

Same as Plus

Companion Cover

Per day Daily Cash: ₹1000, max up to 30 days

Minimum hospitalisation of 72 hours

Same as Plus

Child Care Cover

Per day Daily Cash: ₹1000, max up to 30 days

Minimum hospitalisation of 72 hours

Same as Plus

Other Add-Ons

Coverage

Plus

Power

Prime

Short Stay Treatment

Provides coverage for hospital admission for a minimum of 2 hours during the policy year (covered within the sum insured)

Same as Plus

Chronic Shield Cover

Day 31 cover for the listed pre-existing diseases & chronic conditions (only if declared and accepted) –

Asthma
Hypertension (Blood Pressure)
Hyperlipidaemia (Cholesterol)
Diabetes Mellitus

Same as Plus

Mother and Child Care Bundle

Maternity Cover

Sum Insured & Policy Tenure	Maternity Limit* (Normal & C-Section) & Waiting Period
₹5 lakh	₹1 lakh
₹10 lakh and above	- ₹1 lakh - ₹2 lakh
Policy tenure of 1 and 2 years	Waiting period of 2 years
Policy tenure of 3 years or more	- Zero - 1 year - 2 years

This benefit is limited to maximum two events of: delivery or termination or either, during the lifetime of the Insured Person with the Company. For the purpose of this benefit, birth of twin children shall be considered as a single delivery.Prenatal and Postnatal Inpatient treatment is covered within the Maternity limit*. Prenatal and Postnatal on OPD basis is subject to a sub-limit of ₹10,000*
(Available from a Sum Insured of ₹5 lakh and above)

Newborn Baby and Vaccination Cover

Parameters	Limit
Coverage	Within the Maternity Limit

Infertility Cover

Maternity Waiting Period Opted	Infertility Cover Waiting Period
Zero	1 year
1 year	1 year
2 years	2 years

The infertility cover falls within the maternity limit with the above-mentioned waiting periods. This cover includes 2 cycles.

Why Choose IndusInd Health Gain Policy?

Comprehensive Medical Coverage

This policy covers hospital stays, surgeries, diagnostic tests, and advanced treatments like robotic surgery and immunotherapy. It also covers expenses before and after hospitalisation, day care, and home-based treatments. You get complete support, whether you are admitted to a hospital or need care at home under special conditions.

Affordable Premium Options

This plan lets you customise the sum insured and benefits to match your budget. Features like voluntary co-payment and deductibles can help lower your premium. With options for different income levels and added perks like no-claim bonuses, long-term health coverage becomes more accessible for both individuals and families.

Customisable Benefits for Families

IndusInd Health Gain offers flexible plans that cover individuals, spouses, children, parents, and siblings. You can personalise your policy with add-ons like critical illness cover, maternity support, and child care assistance. It also offers the Spouse First Cover for newly weds, which helps you share your waiting period benefits with your spouse when they join the plan.

Cashless Hospitalisation Convenience

The policy provides access to a vast network of over 10,000+ hospitals for cashless treatment across India. This reduces the financial burden during medical emergencies and helps families receive immediate care. The process is seamless, with digital approvals that expedite admissions and discharges.

Value-Added Coverage and Wellness Support

The plan includes valuable benefits such as daily hospital cash, air ambulance cover, and a premium waiver if the policyholder is diagnosed with a critical illness. It also covers preventive care, wellness services, and second medical opinions to support during health emergencies and recovery.

Lifelong Renewability and Tax Savings

You can renew the policy lifelong with no age-based exit restrictions. The plan also qualifies for tax deductions under Section 80D of the Income Tax Act. Choosing this plan is a smart way to manage healthcare expenses and also save on your yearly taxes.

Eligibility Criteria for IndusInd Health Gain 3.0

Parameters

Details

Age

Adults: 18 to 99 years

Children: 3 months to 30 years

Family Composition

Insure up to 12 members, including yourself (as per the plan opted)

How to Buy and Renew IndusInd Health Gain 3.0 Online?

Buy Online

Scroll to the top of the page to buy the Health Gain insurance policy.

Enter your name, mobile number and PIN code.

Agree to the terms and conditions to proceed.

Click "View Prices", explore plan options and customise your policy.

Complete payment to receive your policy via mail.

Renew Online

Visit IndusInd General Insurance, go to Renewals and select Renew Health Insurance.

Enter your policy number or mobile number as requested.

Click on “Send OTP” to verify and continue.

Review and edit your existing policy if needed.

View the updated premium and pay online to renew instantly.

Documents Required

KYC Identity Proof – Aadhaar, PAN card number, passport number, etc.

KYC Address Proof – Utility bills with your address, Aadhar or government-issued ID that also states your address.

Proof of Income – Bank statements, ITR forms, payslips, etc.

Medical Proof – Medical history documents for pre-existing health conditions, if applicable.

Discounts Available Under IndusInd Health Gain 3.0

5% Cross-Sell Discount (Retail Policy Discount)

Applicable to both new and renewal policies, subject to a minimum retail policy premium of Rs. 3000.

5% Issuance Mode Discount

Get 5% discount for online purchase and 5% if you are a part of Affinity Group.

5% Girl Child Discount

When you add your daughter to your Health Gain 3.0 family floater plan.

5% Employee Discounts

Get a 5% discount on Promoter Group employees and IGICL Employees - through Agents, along with an additional 5% Corporate Employee Discount.

Note: Please note that the above-mentioned discounts are multiplicative in nature. The maximum discount available is 10% for discounts mentioned above.

Other Discounts Available Outside of the 10% Discount Capping

Up to 20% Long Term Discount

2-year policies get a 7% discount, 3-year policies get a 12% discount, 4-year policies get a 15% discount, and 5-year policies get a 20% discount*.

Up to 10% Fresh Healthy Life Discount

Long-term policy purchase if you have no pre-existing conditions!

7.5% Long Term Renewal Discount

Applicable for renewing long-term policies such that the renewing tenure is greater than or equal to the expiring tenure. This is only applicable for policies with a tenure of 3 years and above.

Up to 20% NRI Discount

NRIs purchasing IndusInd Health Gain 3.0 can get up to a 20% discount*.

Up to 10% Family Discount

Family discount: 5% for families consisting of 2-3 members, 10% for families consisting of 4 members and above.

Up to 25% Parents Discount

When you insure your parents under your Health Gain 3.0 plan. Getting family coverage has never been easier!

32.5% Favourable Experience Discount

Get up to 32.5% off* when you file zero claims during the previous policy year.

No Claim Discount

No Claim Discount of Rs. 50 at the end of each completed and continuous policy year, provided that no claim has been made in the expiring policy year.

Disclaimer: The total discount available for the Health Gain 3.0 will be capped at a maximum discount of 40%* at the policy level.

How the Health Gain Insurance Premium is Calculated

Age

Premiums increase with age due to higher health risks. Younger applicants usually pay lower premiums.

Sum Insured

A higher coverage amount results in a higher premium, as it offers broader financial protection.

Lifestyle Habits

Smoking, alcohol consumption, and a sedentary lifestyle may lead to higher premiums due to increased health risks.

Add-Ons

Optional covers like maternity benefits or critical illness riders increase your total premium.

Pre-Existing Conditions

If you have existing medical issues, insurers may charge a higher premium or impose waiting periods.

Policy Type

Individual vs floater plans can affect premiums. Family floater plans may offer better value for covering multiple members.

How to File a Claim Under the IndusInd Health Gain Policy?

Cashless Claims Process

Visit a network or non-network hospital to get treated. You can use our hospital locator tool to find your closest IndusInd network hospital for more streamlined claims.

In case of planned treatments, inform us at least 48 hours prior to your admission by submitting a Pre-Authorisation form at the hospital TPA desk.

The hospital TPA desk will then contact us to arrange your cashless treatment. We will provide confirmation on your preauthorisation request within an hour.

For your final authorisation request, for discharge, we will give our confirmation to the hospital within 3 hours.

In case your cashless claim application is rejected, you can still pay first and then apply for a reimbursement claim later.

Reimbursement Claims Process

Visit any hospital of your choice to get treated, pay and keep all reports, receipts, prescriptions and bills.

Contact us on 022 4890 3009 (Paid No.) and relay your claim details. You can also submit your claim on our website or through the IndusInd Insurance app.

Submit the claims form and all other relevant documents and bills to the Health Care Unit. This needs to be done within 15 days of your discharge.

Health Care Unit team will review and verify your claim application and submitted forms. We may also request additional documents.

Upon approval of your claim, we will transfer the payment amount to your bank account via NEFT.

Network, Non-Network & Reimbursement Claims

Cashless Treatment at Network Hospitals

Once you notify, IndusInd General Insurance will:

Verify your policy and send an approval letter to the hospital.
Alert the hospital about any missing documents within 4 hours.
Reject and notifyif treatment isn't covered.
Visit our website or mobile app and select Health Gain Insurance

Cashless Treatment at Authorised Non-Network Hospitals

The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals.
The cashless claim is available via the IndusInd health claims team, ICARE, on your health card:

Call 022-4890 3009 (Paid).
Submit documents to ICARE.
ICARE will co-ordinate for cashless approval if eligible.

Reimbursement Claims (Any Hospital)

Fill and sign the claim form.
Submit the required documents (bills, subscriptions, discharge summary, etc.) within 15 days of treatment.
We will process and pay the approved amount, usually within 30 days.

Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.

Documents Required for Health Insurance Claims

Health claim form (all pages) duly filled & signed by the policyholder.

Copy of Photo ID proof of the Insured or nominee – PAN, Driving Licence, Passport Copy, Ration Card, etc.

Original CTS 2010 complaint: cancelled cheque with the printed name and account number of the policyholder.

All original medical reports, bills, receipts, discharge summaries and prescriptions.

Attested copy of First Information Report (In case of fatality & Permanent Total Disability)

Attested copy of Post Mortem Report and Death certificate (If required)

Who Should Buy a Health Gain Policy?

Individuals Seeking Comprehensive Health Insurance

This policy suits individuals who want broad protection against rising medical expenses. It covers hospitalisation, critical illnesses, and preventive care. People with active lifestyles or existing health conditions can benefit from the extensive coverage that comes with such a plan.

Senior Citizens Requiring Extensive Coverage

Senior citizens often face age-related health issues and require frequent medical attention. Our Health Gain policy provides benefits such as higher sum insured options, cashless treatments, and pre-existing disease coverage. It is ideal for older adults seeking financial protection for healthcare needs.

Young Families with Future Healthcare Needs

If you are a nuclear family with children, this plan is a smart choice for you. It covers the whole family under one premium (if you choose the family floater option) and covers treatment for children. Getting insured early means lower costs now and strong protection for your family’s future health needs.

Couples Looking for Family Floater Plans

Couples starting a family or planning for one soon may find value in a family floater health policy. It provides coverage for both individuals under one sum insured. This simplifies management, reduces paperwork, and proves economical compared to maintaining two separate policies.

Parents with Dependent Children

Parents supporting dependent children can secure their entire family’s well-being with a single Health Gain plan. This policy often includes child-specific benefits, such as vaccinations and regular health check-ups, ensuring comprehensive care. It relieves the financial stress of unexpected healthcare expenses for the whole family.

Freelancers and Self-Employed Professionals

Independent workers without employer-provided health insurance need dependable personal coverage. Our Health Gain policy ensures they are not financially burdened during medical emergencies. It offers tailored features such as day care and hospitalisation coverage that suit their flexible income patterns.

What to Know Before You Buy IndusInd Health Gain

To buy a plan that best complements your medical needs, you must provide detailed information, such as your age, health conditions, requirements of coverage and more. Here’s what you need to know about who can apply and what information is required to buy this plan:

Age Limits

Children: From 3 months to 30 years at policy creation.

Upon reaching 30 years, they will transition to their own individual policy.

Adults: Between 18 and 99 years

No upper age limit for continuous renewals.

Family Floater Policy Coverage

Plus: Maximum 8 members - 2 adults (Self + Spouse) and up to 6 children

Power: Maximum 10 members - 4 adults (Self + Spouse + one set of dependent Parents or parents-in-law) and up to 6 children

Prime: Maximum 12 members - 6 adults (Self + Spouse + one set of dependent Parents + parents-in-law) and up to 6 children

Tele Underwriting

Tele-underwriting is mandatory for applicants aged 56 years or older.

Pre Policy Medical Check-Up

Pre-policy medical tests may be required for people above the age of 56 years or based on SI.

Sum Insured Options

Choose from ₹5 lakh to ₹5 crore, based on your health needs.

Policy Tenure Options

Select a policy period of 1, 2, 3, 4 or 5 years, depending on your preference.

Premium Payment Flexibility

Premiums are calculated based on your income and preferred frequency. You can pay monthly, quarterly, half-yearly or yearly.

Parenting is tough, protecting your family shouldn’t be

One quick call = lifelong care for your family

Call Us

Homepage Curated Plans Client Extension

Why Choose Us?

What Makes Us the Top Pick?

IndusInd Health Gain (formerly, Reliance Health Gain) goes beyond providing quick claims and financial support. It is a policy that adapts to the modern-day medical needs and ensures you get the best possible care whenever you need it.

Health Gain Insurance

Up to ₹5 Crore Sum Insured

For all-around health insurance cover

AI-Assisted Claims on Our app

Quick and reliable claim processing

Up To 40% Discount Available*

Get more savings & more coverage

10,000+ Network* Hospitals

Wide network of hospitals across India

Health insurance starting at just ₹545 per month*!

Family-first protection, with zero compromise.

We offer individual and family health insurance coverage that you can easily manage from your phone! Get quick Claims and quality care at IndusInd General Insurance.

View Plan

What Do I Need to Consider When Filing a Claim Under IndusInd Health Gain 3.0?

Waiting Periods

Initial waiting Period: 30 days for all illnesses (not applicable for continuous renewal or accidents).
Covid-19 Waiting Period: 15 Days Waiting Period for Covid-19.
Waiting Period for Mother and Child Care: This maternity waiting period is 2 years for 1 & 2-year policies; and no waiting period for policies that are 3 years and above. The Infertility waiting period is 1 year/2 year as per the maternity waiting period opted.
Specific Waiting Periods: 24 months.
Pre-Existing Diseases: Covered after 36 months.
Chronic Shield Waiting Period: Day 31 coverage.

Terms and Conditions

Misrepresentation, fraudulent or false statements and non-disclosure of any information will result in the cancellation of your policy.
If you have multiple health policies, you can choose to file a claim under any one of them.
The policy shall terminate if it is not renewed at the end of the policy period. A 30-day grace period will be provided to renew the policy.
There will be no coverage during the grace period. The only exception to this is when premiums are paid in installments, in that case, you will receive policy coverage.
In the event of any issues or complaints, please contact the Grievance Redressal Officer using the details provided in the policy document.

Policyholder/Insured Person’s Responsibility

Always check the applicability of our cashless service with the hospital.
Undergo a medical examination by our medical practitioner, if needed.
Allow our medical practitioner to verify your medical records.
Submit your documents within the stipulated time for the claim.
Cooperate with our representatives to validate your claim.

Key Takeaways

IndusInd Health Gain Policy (formerly known as Reliance Health Gain) is a modular, flexible, and feature-rich retail health insurance product designed for customers across life stages. With sum insured ranging from ₹5 lakh to ₹5 crore, a powerful suite of 20+ add-ons like unlimited reinstatement of sum insured and up to 40% discount* on premium, it covers every angle - from hospitalisation to wellness, maternity, diagnostics, and even recovery.

With this plan, you get coverage for in-patient hospitalisation, AYUSH treatments, home care, organ donor expenses and even modern medical treatments, such as robotic surgeries, stem cell treatments and more.

Whether you’re a first-time buyer, a new parent, or a senior looking for quick pre-existing disease coverage, this plan offers personalised protection with high value at every step. This no-compromise, 100% Aapki Choice Policy offers 3 power-packed variants, Plus, Power and Prime, which give you the flexibility to choose the benefits that you want in your plan at any sum insured.

Relevant Links for Health Insurance

Health Insurance Plans For Family

Health Insurance For Senior Citizens

Health Insurance Premium Calculator

Health Insurance For Parents

Arogya Sanjeevani Policy

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Asset Publisher

4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

Authors - Location -Health

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd 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.

Homepage alternate CX

Health Gain Disclaimer

AI Content Summarizer

Asset Publisher

Frequently Asked Questions (FAQs)

What happens to the policy if the policyholder passes away?

In the event of the policyholder’s death, the nominee will be considered for payment of claims under the policy.

How can I check the details of my IndusInd Health Gain Insurance Plan?

You can check your IndusInd Health Gain (previously, Reliance Health Gain) details by logging into your account on our website at the top right-hand side of this page or on the IndusInd Insurance App.

What do pre- and post-hospitalisation costs entail?

Pre- and post-hospitalisation expenses refer to costs incurred prior to and after hospitalisation. It can include consultations, medications prior to admission, diagnostic tests, and follow-up treatments. With the Health Gain policy, you get a pre and post-hospitalisation coverage for up to 60 days (pre) and 90 days (post) within the sum insured amount*. You also have the option to increase these limits to 90 days (pre) and 180 days (post) through the Change in Pre/Post Hospitalisation Limit add-on.

How long is the term of my Health Gain policy?

Your Health Gain policy is valid for 12 months starting on the day it was first issued. You can purchase a two- or three-year insurance if you want your coverage for a longer period.

What are the possible payment methods?

Your insurance premium can be paid with a credit card, debit card, UPI, net banking, or an EMI.

What discounts are available if I buy IndusInd Health Gain?

With IndusInd Health Gain (previously, Reliance Health Gain), you can benefit from the following discounts: -10%* discount for online purchases -7.5%* discount if you have an existing non-health policy with us -15%* discount for taking good care of your health -12%* discount for buying a 3-year policy (7% for 2 years) -10%* discount if you have an existing health policy with us -10%* discount if you are an existing IndusInd employee

How is IndusInd Health Gain different from other IndusInd Health Insurance Plans?

The IndusInd Health Gain Insurance Policy (previously, Reliance Health Gain Insurance) provides extensive coverage for families and individuals up to ₹1 Crore. Compared to our other health insurance plans, this is a more flexible plan that allows you to customise coverage according to your needs. For example, it's ideal for urban professionals and individuals seeking affordable health insurance that can be easily upgraded or modified according to their needs. It also makes for a great family floater policy since it covers up to 12 family members*.

How do I transfer my existing health policy to IndusInd General Insurance?

You can transfer your existing health policy to IndusInd General Insurance (formerly, Reliance Health Insurance) by using the health insurance portability option. You need to initiate the porting process at least 45 days before your renewal to ensure a smooth transition and retain the benefits you've gained. To get started, you can contact customer support.

What is a pre-existing illness, exactly?

A pre-existing illness is any health condition diagnosed within 48 months prior to the policy's issuance date. A waiting period of 36 months is applicable to receive benefits for treatments related to pre-existing illnesses. Diabetes and excessive blood pressure are two examples. With the Health Gain policy, you have the option to reduce your 3-year PED waiting period to 2 years or 1 year using the waiting period reduction add-on.

What is the Consumables Cover add-on, and what does it include?

If you are hospitalised, the Consumables Cover will pay for a variety of consumables, such as needles, gloves, and syringes, that are required for your care. This add-on is also available under the Health Gain policy. So, if you're looking to minimise your out-of-pocket expenses during hospitalisation, we recommend adding this cover to your plan.

Do I need to pay separate premiums for each family member?

No, if you enrol your entire family in a single plan, you will only need to pay a single premium to cover everyone. With the Health Gain policy, you can insure up to 12 family members* and get up to a 10% discount* on premiums when you opt for the family floater plan option.

What will I get if I buy an IndusInd Health Gain policy?

When you buy an IndusInd Health Gain Policy (formerly, Reliance Health Gain Policy), you can get comprehensive coverage of up to ₹1 crore for a wide range of healthcare expenses with an adequate sum insured. It can cover hospitalisation, pre- and post-hospitalisation, accidental death, critical illnesses, and more. Additionally, it offers a diverse range of add-ons to enhance coverage. You can benefit from a double cover, the change in room rent limits, and more. Furthermore, and most importantly, you can secure this coverage at an affordable premium while also gaining a number of discounts.