Health Insurance in Bangalore

Bangalore is home to some of India’s most advanced medical facilities. From state-run hospitals to world-class private institutions, the city provides a wide range of healthcare services to its residents. However, with increasing instances of lifestyle ailments such as hypertension, the need for consistent and affordable treatment has grown. However, the treatment costs in top medical facilities in Bangalore are high.

This is where health insurance becomes a necessity more than a preventive measure. For example, suppose you are diagnosed with hypertension. This would mean immediate consultations, regular monitoring, and lifestyle changes, which quickly increase your medical expenses. With health insurance in Bangalore, you can access quality treatment without worrying about the expensive treatment bills.

IndusInd Health Insurance offers insurance solutions specifically tailored to address your medical needs. With an extensive network of 10,000+ hospitals, you can access the best quality treatment closer to your home. In addition, a smooth claim settlement process ensures quick financial support when you need it the most.

Why Buy Health Insurance in Bangalore

Rising Healthcare Costs

Health insurance protects from expensive medical bills resulting from procedures like heart surgeries or cancer therapies in Bangalore.

Coverage Lifestyle Ailments

Health insurance covers various lifestyle diseases such as diabetes, hypertension, etc., providing complete protection to residents of Bangalore.

Quick Cashless Claims

With a wide network of 10,000+ hospitals* across the country, policyholders can receive superior quality treatment without any upfront cost.

Unlimited Sum Insured (SI) Reinstatement

If your coverage is exhausted, you can easily get it reinstated to the full amount. This means your protection remains uninterrupted.

Para

Health Statistics and Major Health Problems in Bangalore

Bangalore suffers from rising health problems, with residents reporting both communicable and non-communicable diseases. Malaria and Dengue are among the most common health issues, particularly during the monsoon. Additionally, government screenings have identified more than 7.2 lakh children across the state who suffer from hypertension. These stats highlight the urgent need for prompt medical attention and preventive care.

Why Choose

Why Choose IndusInd Health Plans in Bangalore

The health insurance policies curated by IndusInd Health Insurance go beyond basic coverage. It helps insurance seekers boost savings, customise plans by choosing from our flexible list of add-ons, and offer round-the-clock support to ensure protection during troubling times.

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 Bangalore

IndusInd Health Infinity Insurance

This plan offers extensive health coverage of up to ₹5 crore* with the option of unlimited reinstatement, ensuring you are protected even if multiple claims are raised. In a city like Bangalore, where medical treatments such as cardiac surgeries or cancer care could easily run into lakhs, this plan ensures you are protected from exhausting your cover. You can also increase your SI by 30%* with the MoreCover add-on.

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IndusInd Health Gain Insurance

This policy comes with health coverage from ₹3 lakh to ₹1 crore*. It covers the costs of hospitalisation, medication, surgeries, and other related expenses. This is ideal for families who prefer cashless treatment at the city's top hospitals. Additionally, if you are looking to secure your spouse, children, and elderly parents under a single policy, Health Gain allows you to personalise your plan with add-on covers.

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IndusInd Global Health Insurance

Our Global Health Insurance plan provides coverage of up to USD 1 million* for both planned and emergency treatment overseas. This is especially useful for business travellers and IT professionals in Bangalore who often visit international destinations. Additionally, with a multi-trip rider, policyholders can access treatment for emergencies or specialised healthcare facilities such as advanced cancer therapies while retaining domestic coverage in India.

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IndusInd Super Top-Up Health Insurance

Once your medical expenses cross the base coverage, this cover acts as a financial backup by offering additional coverage of up to ₹1.3 crore*. In a city like Bangalore, where long-term hospitalisation or multiple treatments in a year could deplete savings, this plan shields you when your basic policy is exhausted. For instance, if you have exhausted your ₹15 lakh policy in a surgery and need more for post-operative care, this plan will cover the additional amount.

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Key Features of IndusInd Medical Plans in Bangalore

Our policies are designed with comprehensive features to ensure every resident in Bangalore can access the right medical attention when needed. With wide coverage options and cashless claims at top hospitals throughout the city, our plans cater to the diverse needs of individuals and families alike.

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

Disclaimer: Depending on the policy you choose, the coverage limits can change. Kindly refer to our policy wordings.

Inclusions & Exclusions

Health Insurance in Bangalore: 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.

Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.

Safeguard Your Health with a Reliable Health Insurance Plan in Bangalore

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How to Buy

How to Buy/Renew Health Insurance in Bangalore?

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.

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How to File

How to File an IndusInd Health Insurance Claim in Bangalore?

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.

Disclaimer: For accurate claim-related information, kindly refer to our policy documents or get in touch with our experts.

Key Takeaways

The Silicon Valley of India, Bangalore, is also home to some of the country's finest healthcare facilities. However, the continually growing costs of advanced treatments at leading medical facilities can drain your savings, leaving you financially vulnerable. Even a single medical procedure in Bangalore may cost several lakhs. For instance, a prolonged hospitalisation for dengue or treatment for complications associated with hypertension may quickly escalate in costs, eventually exhausting your savings.

IndusInd Health Insurance helps bridge this gap with specialised policies that are suited for individuals, families, and working professionals in Bangalore. With extensive coverage up to ₹5 crore, you can seek treatment in the top medical centres in Bangalore without worrying about the bills. Our quick claims settlement process combined with digital claims processing ensures that your dues are handled without unnecessary delays. With access to 10,000+ network hospitals across India, including those in Bangalore, you can also seek cashless treatment.

Whether you are looking for coverage for the family, worldwide protection for overseas travel, or top-up options to manage multiple hospitalisations, IndusInd Health Insurance has flexible options to meet your diverse needs. Additionally, you can choose from 20+ add-ons to enjoy dedicated coverage based on your specific needs. If you have any issues or queries, our round-the-clock customer support is always available to assist you. Get in touch today!

IndusInd Network Hospitals in Bangalore

Access cashless treatments in 10,000+ hospitals across India

With IndusInd Health Insurance, get quality treatment instantly without having to worry about out-of-pocket payments.

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Stories shared by our happy customers!

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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)

How is the policy premium decided for health insurance in Bangalore?

The premiums payable for a specific policy depend on several factors, including age, medical history, lifestyle, and the sum insured selected. Location also influences premium costs. Since healthcare facilities in Bangalore are more expensive, the premiums here would be higher compared to those in smaller cities. Other factors influencing premiums include plan type, the number of members covered, and optional add-ons.

Will I be covered for pre-existing diseases in my health insurance in Bangalore?

Yes, pre-existing health conditions are covered under health insurance after a waiting period of three years. During this time, however, claims raised for such ailments are not payable by the insurer. Upon the completion of the waiting period, the treatment costs for these conditions are included as part of the policy coverage.

Which documents are needed to raise a claim for health insurance in Bangalore?

To raise a claim, you will need the following documents: Policy card ID proof Hospital bills Discharge summary Doctor’s reports Diagnostic test results Pharmacy receipts. For detailed information, please refer to our policy documents or contact our experts.

What precautions should I take when buying a health insurance policy?

Before investing in a policy, insurance seekers must compare different plans and ensure they cover the cost of hospitalisation, critical illnesses, and illnesses that are common in Bangalore, such as dengue or hypertension. Furthermore, review the waiting periods, exclusions, and room rent limits to prevent unnecessary stress when raising a claim. Also, check if the insurer you choose has a strong network of hospitals so you can avail of cashless treatments.

Can insurance cover alternative therapies?

Yes, most health plans by IndusInd Health Insurance offer coverage for AYUSH treatments, which include Ayurveda, Yoga, Unani, Siddha, and Homoeopathy. This is in addition to modern medical treatments. This dual coverage enables patients to choose from traditional to advanced procedures, depending on their condition, and still be financially protected.