Health Insurance - Detailed Disclosures
1. Product & UIN Disclosure
This page relates to the following health insurance products:
Health Infinity – UIN: RELHLIP23120V042223
Health Gain – UIN: RELHLIP22229V032122
Health Super Top-Up – UIN: RELHLIP21617V012021
Health Global – UIN: IRDAN103RP0001V01202324
Personal Accident 360Shield – UIN: RELPAIP25035V022425
Hospi Care – UIN: RELHLIP20027V012021
Each product is governed by its respective policy wording, Customer Information Sheet (CIS) and schedule.
Coverage, eligibility and benefit structure vary by product.
2. Coverage Aggregation & Product Dependency
Benefits described across the website may not be available under all products.
Coverage, sub-limits, deductibles, waiting periods, co-payments, add-ons, restoration benefits, global coverage and eligibility criteria vary depending on:
Product selected
Plan variant
Sum insured
Age of insured
Family composition
Underwriting outcome
Policy schedule
The final scope of coverage shall be as specified in the policy schedule and wording.
3. Premium Disclosure & Illustration
Any premium illustration displayed on the website is indicative and excludes applicable taxes unless stated otherwise.
Example used on website:
₹4,208 per year (₹382 per month) for a single individual aged 18–20 years with a ₹5 lakh Sum Insured and no adverse medical history.
Such illustrations:
Are based on specified assumptions
Apply only to the defined configuration
Exclude applicable taxes
Are subject to underwriting and risk assessment
Actual premium may vary based on age, health disclosures, geography, plan selected and add-ons opted.
Premium quoted is subject to change upon alteration of risk details at final quote stage.
Risk cover commences only upon receipt of premium in accordance with Section 64VB of the Insurance Act, 1938.
The premium mentioned is excluding taxes for a single person aged between 18 years to 20 years with the individual health policy for a Sum Insured of ₹5 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 4,208/year converted into a month which gives us Rs.382/month (4,208/12). *T&C Apply.
4. Waiting Periods
Coverage under health insurance policies is subject to waiting periods, which may include:
Initial waiting period
Pre-existing disease waiting period
Specified disease waiting period
Maternity waiting period (where applicable)
Certain add-ons may allow reduction of waiting periods subject to eligibility and underwriting.
Waiting periods vary by product.
5. Sub-Limits & Room Rent Limits
Some products may impose sub-limits on:
Room rent
ICU charges
Specific treatments
Modern treatments
Maternity benefits
Consumables
Room rent modifications or upgrades may be available only above specified Sum Insured thresholds and subject to eligibility.
Sub-limits are defined in the policy wording and schedule.
6. Co-Payments & Deductibles
Certain products may include:
Mandatory co-payment
Voluntary co-payment
Co-payment waiver options (subject to underwriting approval)
Voluntary aggregate deductible
Mandatory deductible (applicable in Super Top-Up policies)
Under Super Top-Up policies, coverage becomes payable only after the insured has borne the specified deductible amount during the policy period.
Certain co-payment and deductible options may not be opted together.
7. Restoration & Reinstatement of Sum Insured
Restoration or reinstatement benefits, where available:
Are subject to defined triggers
May apply to related or unrelated illnesses depending on product
May be capped at specified percentages of Sum Insured
May not remove sub-limits, waiting periods or exclusions
Unlimited reinstatement (if available under specific accident-related products) is subject to policy terms.
8. Add-On Covers & Optional Benefits
Add-ons and optional covers:
Must be opted separately unless included in the base plan
May attract additional premium
May be available only above certain Sum Insured thresholds
May have age-based eligibility criteria
May have family composition requirements
May not be combinable with certain other add-ons
Certain bundled benefits must be opted together and may not be available independently.
Not all add-ons are available across all products.
9. Eligibility & Family Composition
Eligibility may vary by product and may include restrictions relating to:
Minimum and maximum entry age
Age at inception
Number of members covered
Maximum number of adults and children
Coverage for parents or parents-in-law under separate policies
Non-Resident Indian (NRI) eligibility for certain features
Availability of specific benefits for children or senior citizens
Certain benefits may not be available beyond specified age limits.
10. Global Coverage (Where Applicable)
Under Health Global or global coverage variants:
Coverage outside India is subject to plan selection
Unlimited India cover may not be available under all plan types
Floater restrictions may apply
Prior authorization may be required for overseas treatment
Sub-limits and co-payments may differ for international claims
Specialist network counts, where mentioned, represent empanelled and associated providers and are subject to revision.
11. Fixed Benefit vs Indemnity Products
Certain products (e.g., Personal Accident and Hospi Care) provide fixed benefit payouts upon occurrence of defined events and are not indemnity-based reimbursement policies.
Under fixed benefit products:
Payout is based on defined event triggers
Total liability may be capped at Sum Insured plus applicable cumulative bonus
Where multiple benefits arise from a single event, payout may be limited to the highest applicable benefit
Coverage may cease upon payout of specified major benefits (e.g., Accidental Death or Permanent Total Disablement)
Indemnity products reimburse actual medical expenses up to policy limits and subject to sub-limits and deductibles.
12. Discounts
Discounts are subject to eligibility criteria and product-specific caps.
Maximum discount limits may vary by product and may include:
Long-term policy discounts
Wellness-linked discounts
Cross-product discounts
Plan-based discounts
Discount percentages displayed are indicative and subject to underwriting approval.
Maximum discount applicable for IndusInd Health Gain Policy is 40% excluding long-term policy discount(aggregate). *T&C Apply.
13. Policy Features
Certain products may offer additional features such as:
Policy pause options (subject to eligibility)
Cumulative bonus benefits
Chronic condition covers
Reduction of waiting period add-ons
Availability depends on product and plan selected.
14. Network Hospitals & Cashless Facility
Cashless hospitalization is available at network hospitals subject to:
Policy coverage
Pre-authorization
Claim admissibility
Network hospital list is dynamic and subject to periodic revision.
15. Customer Count Disclosure
Customer count data (FY24) is derived from IRDAI-reported master policy counts and internal records for lives insured and certificates issued across applicable lines of business.
16. Tax Benefits
Tax benefits are subject to conditions under Section 80D of the Income Tax Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details. *T&C Apply
17. Underwriting & Disclosure
Policy issuance is subject to:
Full and accurate disclosure of medical history
Underwriting assessment
Medical examination (if required)
Non-disclosure or misrepresentation may result in claim denial or policy cancellation.
18. Prohibition of Rebates
In accordance with Section 41 of the Insurance Act, 1938 (as amended), no person shall offer or accept any rebate of premium except as permitted under applicable regulations.
19. Governing Clause
Website content is for informational purposes only. In the event of any inconsistency between website content and the policy document, the policy wording shall prevail.
Insurance is the subject matter of solicitation.
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