Health Insurance in Pune

Living in Pune means having access to some of the most reputed and specialised healthcare centres in Maharashtra. This includes speciality centres like Sahyadri, Apollo, Jehangir and so on. While this ensures top-quality medical care to the residents of Pune, the rising cost of treatment and consultations has made healthcare a major part of financial planning. Even the routine check-ups and minor hospital visits can quickly strain your savings.

This is why health insurance has become essential for individuals and families in Pune. Take, for instance, a sudden hospitalisation due to dengue for loss of platelets during monsoons, a common health risk in the city. Although treatment can cost thousands of rupees, health insurance makes sure it doesn’t go out of your pocket.

IndusInd General Insurance (formerly Reliance General Insurance) offers tailored insurance plans to meet the healthcare needs of the residents of Pune. From city-wide hospital access for cashless treatment to easy claim filing through the IndusInd Insurance app, our plans make quality care affordable and accessible. Add to this, pocket-friendly premiums starting from ₹382/month* and 24*7 customer assistance, and you are covered against unexpected scenarios.

Why Buy Health Insurance in Pune?

Rising Healthcare Costs

Our health insurance covers pre- and post-hospitalisation to help you navigate rising medical costs in Pune.

Type-2 Diabetes and Cardiovascular Diseases

IndusInd Health Insurance covers health concerns like diabetes and cardiovascular issues that are prevalent in Pune.

Quick Cashless Claims

With strong ties with top hospitals across Pune, we offer cashless hospitalisation so you don’t have to worry about bills.

Unlimited SI Reinstatement

Your sum insured is restored to the full amount if it is exhausted due to multiple hospitalisations. This ensures uninterrupted coverage.

Para

Health Statistics and Major Health Problems in Pune

Pune has seen a shift in health patterns over recent years. In early 2025, the city experienced a rare but widespread outbreak of Guillain–Barré Syndrome. Some cases of the Zika virus have also been reported in Pune.

In addition, non-communicable diseases like diabetes and high blood pressure are also rising, highlighting the importance of proper health insurance.

Why Choose

Why Choose IndusInd Health Plans in Pune

Location - Health Insurance

Up to 40% Discount

Get up to 40% discounts on your premium

20+ Add-On Covers

Enhance coverage with add-ons for your policy

AYUSH+Modern Treatments

Includes modern and AYUSH treatments

24/7 Customer Support

Quick claims and queries support

Types of IndusInd Health Plans in Pune

IndusInd Health Infinity Insurance

This plan supports diverse medical needs with coverage up to ₹5 crore* along with unlimited reinstatement. It is ideal for families managing long-term conditions or facing repeat hospitalisation in Pune. Additionally, the MoreCover add-on can increase your sum insured by 30%*, providing you with more financial flexibility for high-cost treatments. For example, if you choose a ₹2 crore cover, you can raise it by ₹60 lakh, which can help during extended periods.

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IndusInd Health Gain Insurance

With a sum insured range starting at ₹3 lakh and going up to ₹1 crore*, this plan supports everything from routine checkups to planned surgeries. It is recommended for people living in areas such as Aundh or Baner, where daycare procedures and private care are more common. You can include your children, spouse and dependent parents under one plan and pick add-ons based on your specific needs.

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IndusInd Global Health Insurance

This plan provides worldwide health support up to USD 1 million*, covering both urgent care and planned treatments outside India. It can be enhanced with a multi-trip rider. Whether you're visiting relatives in Europe or heading to Singapore for medical treatment, this plan provides the option to seek care abroad without extra paperwork. It suits professionals working with global firms or students attending university overseas.

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IndusInd Super Top-Up Health Insurance

If your regular policy is exhausted, this plan takes over with added coverage up to ₹1.3 crore*. It becomes active after you cross your base policy. This is particularly helpful during major treatments at hospitals like Ruby Hall or Jehangir, where costs can quickly add up. For ex, if your ₹5 lakh base plan is fully used during surgery, this top-up helps you manage follow-up care or any further hospital stay.

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Key Features of IndusInd Medical Plans in Pune

At IndusInd General Insurance, we offer extensive features, from affordable premiums to lifetime renewability, to help you enjoy complete medical protection without exhausting your savings.

Features	Details
Premiums	Starts at ₹382 per month*
Discounts	40%* + Cumulative Bonus
Coverage	Sum Insured up to ₹5 Crores*
Global Sum Insured	Up to $1 Million*
Sum Insured Restoration	Unlimited restoration
Renewability	Lifelong renewability
Quick Claims Settlement	Within 4 hours* + 100% Digital Claims
Network Hospitals	More than 10,000*
Pre- and Post-Hospitalisation	90 days* before and 180 days* after
No Room Rent Capping	✓
Day Care Procedures & OPD Cover	✓
Ambulance Cover	Up to ₹3,500 per hospitalisation*
Health Check-Ups	✓
Domiciliary Hospitalisation	✓
Maternity Coverage	Up to ₹2 lakhs*
Organ Donor Expenses	✓
Covid-19 Treatment	✓
Critical Illness Cover	✓
Co-Payment Options	✓
Add-Ons & Optional Riders	20+ Add-Ons*

Disclaimer: Coverage features depend on the plan you choose. Please refer to your policy document for full details.

Inclusions & Exclusions

Health Insurance in Pune: Inclusions and Exclusions

Location - Health Insurance

What is Covered?

Hospital Expenses: Policies cover costs related to inpatient stays, pre- and post-hospitalisation, day-care procedures, and ambulance services.

Day One Coverage: All accident claims get covered by our health insurance plans from day one, providing immediate support during critical times.

Modern and AYUSH Treatments: IndusInd insurance covers traditional options like Ayurveda, Yoga, Unani, Siddha, and Homoeopathy, with modern treatments.

Maternity and Newborn Care: Mothers and babies receive maternity benefits of upto ₹2 lakh, including support for prenatal, postnatal, delivery and newborn expenses.

Worldwide Emergency Cover: Get protection for medical emergencies abroad, for up to 45 days. There is a minimum deductible for international travel.

Accident and Wellness Protection: No deductibles on accident claims, and a one-year premium waiver if you are diagnosed with a critical illness.

OPD and Home Care Service: Includes outpatient consultations, medicines, diagnostic tests, and home-based ICU setups for convenient, affordable care.

Annual Health Rewards: Receive a cumulative bonus of up to 50% on the sum insured for each claim-free year. Additional free health check-ups after three continuous policy years.

Location - Health Insurance

What is Not Covered?

Non-Medical Treatments: Costs for medical procedures are covered, but not for cosmetic procedures, wellness programs, rejuvenation therapy or dietary supplements.

Lifestyle and Fertility: Any costs related to weight loss, fertility treatments, contraception, and eye-sight corrective surgeries, such as LASIK, are not included.

Legal and Statutory: Medical costs from self-injuries, riots, terrorism, war or any unlawful act are not covered by the policy.

Unrelated Outpatient and External Anomalies: IndusInd covers pre-hospitalisation OPD costs, but general OPD costs are covered with an add-on. Congenital diseases are excluded.

Waiting Period: Claims for accidents are covered from day one, but all other emergencies and procedures have a 30-day waiting period.

Experimental or Unapproved Treatments: IndusInd General Insurance includes only IRDAI and WHO-approved treatments. Experimental and unproven procedures are not covered.

Unlawful or Self-Inflicted Situations: Any expense arising out of substance abuse, hazardous activities, or illegal actions is excluded.

Disclaimer: Each health insurance plan comes with its own set of terms. For a detailed list of what is included and excluded, please read the full policy wording here.

Still exploring health insurance options in Pune?

Reach out to our experts to find the best plan in Pune!

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How to Buy

How to Buy/Renew Health Insurance in Pune?

Location - Health Insurance

Buy Online

Get quotes from the calculator below and fill out the form at the top of this page.

Fill out your DOB, gender, PIN, and the family members you want to insure.

Choose the policy tenure, sum insured, and add-ons for your policy.

Enter your PAN and complete the CKYC process when prompted to.

Make a secure online payment and get your health insurance policy via email.

Location - Health Insurance

Renew Online

Click on ‘Renewal’ at the top of this page or ‘InstaRenew’ from the IndusInd Insurance app.

Fill out your registered mobile number or your health insurance number.

Verify policy details and make any changes needed.

Make changes to the coverage or select add-ons if necessary.

Make an online payment for the premium, and your policy is renewed.

Homepage Curated Plans Client Extension

How to File

How to File an IndusInd Health Insurance Claim in Pune?

How to File an IndusInd Health Insurance Claim in Delhi?

Step 1

Step 2

Find the nearest network cashless hospital from the link below and get treatment.

Step 3

Fill the pre-authorisation form 24 hours before for emergencies and 48 hours for planned treatments.

Step 4

Submit your medical reports and bills to the hospital.

Step 5

IndusInd General Insurance will pay your bills directly to the hospital.

Step 1

Tell us about your claim by email, call or the IndusInd Insurance app

Step 2

Get treatment from the nearest hospital in our network of authorised hospitals.

Step 3

Pay all necessary bills and tests at the hospital.

Step 4

Scan and submit invoices, reports, and bills within seven days.

Step 5

We will reimburse the paid amount after review.

Key Takeaways

IndusInd Health Insurance supports residents in Pune with access to quality healthcare and simple claim processes. With over 10,000 hospitals across India, you get trusted support whether you are close to home or travelling.

Our plans start at ₹382 per month* with a sum insured up to ₹5 crore. You get quick claim approvals and lifelong renewal with no upper age limits. Besides, you can also avail tax savings under Section 80D.

Whether you live in the city centre or near IT hubs, you get care without stress. Choose IndusInd General Insurance to stay protected when your health needs attention.

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.

IndusInd Network Hospitals in Pune

Get cashless treatment at over 10,000 hospitals across India!

Access high-quality healthcare without paying upfront. With IndusInd General Insurance, cashless treatment is simple and hassle-free.

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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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.

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Frequently Asked Questions (FAQs)

Can I include my parents in the same health insurance plan?

Yes. You can choose a family floater plan that includes yourself along with your spouse, children and dependent parents. You also have the option to include in-laws under certain plans.

Can I increase my cover amount later?

Yes. You can raise your sum insured at renewal time or by selecting certain add-ons. The increase may be subject to medical review.

Will the plan cover my newborn child?

You can buy our Maternity and Childbirth Cover to cover your prenatal, postnatal and delivery expenses, along with care for your newborn.

How soon can I use the policy after purchase?

There is a 30-day initial waiting period for most non-accidental claims. Emergency treatments following accidents are typically covered from the first day.

Can I port my policy from another insurance provider?

Yes. You can port your existing health plan to IndusInd General Insurance at the time of renewal. You must apply before the renewal date to ensure a smooth transition. Contact our support team for more information.

Are online doctor consultations included in the plan?

Some plans offer cover for digital consultations. You can check if this is part of your selected plan or add it through optional benefits.

What does AYUSH coverage include?

AYUSH stands for Ayurveda, Yoga, Unani, Siddha and Homoeopathy. Your plan may support treatment under these systems if done at recognised centres. Contact our experts for more information.

What happens if I miss my renewal date?

If you miss your renewal, you may still be able to reactivate the plan within a grace period. After that, a new application may be required.