Health Insurance in Mumbai

Mumbai, India’s financial centre, is home to well-known hospitals such as Kokilaben, Lilavati, and Hinduja. The city’s healthcare system attracts people from nearby towns, as well as patients from other states, for advanced treatment. At the same time, the cost of medical care has continued to rise. Even basic procedures can create pressure on personal savings.

Mumbai also deals with seasonal health issues, such as waterborne infections during the monsoon, respiratory problems from construction dust, and heat stress in the long summers. Additionally, the fast-paced city life has contributed to the increasing number of people dealing with lifestyle-related conditions that require long-term care.

To support the growing medical needs in Mumbai, IndusInd General Insurance (formerly Reliance General Insurance) offers health insurance plans tailored to the diverse needs of individuals and families. At a starting cost of just ₹382/month*, our plans cover critical illnesses linked to air quality, OPD benefits for frequent doctor visits and quick digital claims support via the IndusInd Insurance App to fast-track your medical needs.

Why Buy Health Insurance in Mumbai?

Coverage for Monsoon Illnesses

Mumbai experiences a spike in infections during the monsoon every year. IndusInd Health Insurance covers seasonal conditions like dengue, leptospirosis and typhoid, which ensures timely care for you and your family.

Rising Healthcare Costs

With healthcare costs rising by 14% and 62.6% of expenses paid out of pocket, individuals and families are facing growing financial difficulties. We cover Mumbai’s rising hospital charges and consultation fees. Your full coverage amount is automatically reinstated if used during the year.

24/7 Online Services

Mumbai’s busy schedule should not cause any delay in your medical needs. Get your policy details, file or track claims, speak to support in minutes anytime or anywhere through the app or website.

Instant Claim Processing

At IndusInd General Insurance, we believe that emergencies need quick action. Thus, we approve claims in under 4 hours with digital settlements. All you need to do is upload documents via the IndusInd Insurance app and follow progress in real-time.

Para

Health Statistics and Major Health Problems in Mumbai

Mumbai faces serious health challenges across multiple areas. Vector-borne illnesses are common, with malaria and dengue cases peaking during the monsoon.

A major study showed that more than 26.86% of residents in certain areas of Mumbai suffer from high blood pressure, along with obesity and poor glucose control. The city has also seen a 530% jump in diabetes-related deaths over five years.

Why Choose

Why Choose IndusInd Health Plans in Mumbai

IndusInd General Insurance helps you access the right medical care in Mumbai without the stress of large bills or long claim delays. Whether it’s a specialist consultation or a hospital stay, our plans are built to work smoothly across top hospitals in the city.

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 Mumbai

IndusInd Health Infinity Insurance

Higher coverage limit up to ₹5 crore with unlimited reinstatement gives you ongoing support even if you make multiple claims. This eliminates the stress of running out of cover during long or repeated treatments. You can also raise your sum insured by 30% through the MoreCover add-on, giving you extra financial safety in Mumbai’s rising medical costs. For example, with a sum insured of ₹3 crore, you can increase your cover by ₹90 lakh.

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IndusInd Health Gain Insurance

This plan covers hospital stays along with surgeries and treatments with an extensive sum insured ranging from ₹3 lakh to ₹1 crore. It addresses both regular and emergency health needs without creating financial pressure. A practical choice for individuals and families looking for reliable protection that can be tailored. For example, you can include your spouse along with dependent parents and children under one sum insured.

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IndusInd Global Health Insurance

Covers you worldwide up to USD 1 million for both emergency and scheduled treatments. You can activate this by adding our multi-trip rider to your policy. It gives you access to medical care abroad, which becomes important if you are travelling for a longer period or for treatments like cancer care. A good choice for frequent travellers, along with people working overseas or in global firms who want both national and international medical support.

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IndusInd Super Top-Up Health Insurance

This policy steps in after you cross your base plan and offers an additional amount of up to ₹1.3 crore. This works well when your main health plan runs out during expensive private treatments in Mumbai. For example, if a major surgery exhausts your ₹15 lakh policy and you need to claim again for postoperative care, this cover helps you cover those extra costs.

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Key Features of IndusInd Medical Plans in Mumbai

We offer broad coverage options, including global support, bonuses that grow your SI after every year without a claim and flexible features suited for every Mumbai resident:

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	Settled in 4 hours
Network Hospitals	Over 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 limits are subject to change based on your chosen plan. Please refer to your policy wordings here.

Inclusions & Exclusions

Health Insurance in Mumbai: 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 depend on your selected plan. For the full list of Inclusions and Exclusions, please refer to the policy wordings.

Need help buying health insurance in Mumbai?

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How to Buy

How to Buy/Renew Health Insurance in Mumbai?

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 Mumbai?

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

Mumbai is known for its advanced healthcare system, with some of the best doctors and finest medical facilities in the city. However, it is also one of the costliest cities in terms of healthcare.

IndusInd Health Insurance offers strong medical support for Mumbai families managing high treatment costs and seasonal health risks. Our health plans connect you with over 10,000 cashless hospitals across India so you can get treatment without payment delays.

Starting at ₹382 per month*, you receive coverage up to ₹5 crore, providing you with extensive protection at affordable premiums. With a smooth claim settlement processs, you don’t wait long for help when it’s needed the most. Additionally, lifelong renewability ensures your protection continues without age restrictions, while tax savings help reduce your yearly burden.

Don’t let medical costs put your savings or your family’s well-being at risk. Choose IndusInd Health Insurance for affordable cover, trusted medical access and support that stands by you when health becomes your top concern.

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 Mumbai

10,000+ Hospitals at Your Fingertips!

Get cashless care at top hospitals across Mumbai. With IndusInd General Insurance, you get instant access to reliable medical services near you.

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Voices of Trust

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 do I find network hospitals in Mumbai?

You can check the list of network hospitals by using the IndusInd Insurance App App or visiting the official website. Just enter your location or pin code to view nearby hospitals where you can get cashless treatment.

What documents are needed to file a claim?

You need to submit hospital bills, diagnostic reports, discharge summary and prescriptions. For reimbursement claims, these documents should be scanned and submitted within 7 days. For cashless claims, most documents are handled by the hospital, and you only need to submit a pre-authorisation form. For more information, visit our claims page.

Are pre-existing diseases covered?

Pre-existing conditions are typically covered after a waiting period, which is usually up to 3 years, depending on the plan. Once this period is completed, all treatments related to that condition become eligible for claims. You can also opt for plans with shorter waiting periods through specific add-ons.

Can I increase my sum insured later?

Yes. You can increase your sum insured at the time of renewal. You can also use the MoreCover add-on to increase your cover by up to 30%* without changing your base plan. Higher coverage helps with rising healthcare costs in Mumbai.

What if I miss renewing my policy on time?

You receive a 30-day grace period following your renewal date. If you pay within this period, your policy will remain active, and you will continue to receive all the benefits. If you miss the grace period, you may lose continuity benefits like waiting period credits and accumulated no-claims bonus discount. In this case, you will have to buy a new policy by paying higher premiums.

What does health insurance cover in Mumbai?

Health insurance covers hospitalisation, surgeries, day care procedures, consultations, diagnostics, ambulance costs and home care. You also get access to OPD care and treatments under AYUSH scheme. Cashless treatment is available at top hospitals in Mumbai, and plans can be extended to cover maternity, critical illness and global emergencies. Contact our experts for more information.

Can I get health insurance for my entire family?

Yes. You can buy a family floater plan that covers you along with your spouse, children and dependent parents or in-laws. One single sum insured amount can be shared among all members. This helps you manage costs more effectively while covering both regular and emergency healthcare needs across various age groups.

Does the plan cover COVID-19 treatment?

Yes. IndusInd Health Insurance covers COVID-19-related hospitalisation, including ICU care, oxygen support, diagnostics and medications. Further, coverage applies to both cashless and reimbursement claims as long as the treatment is done at a recognised hospital.

What is the waiting period for maternity claims?

Maternity benefits become active after a 1- or 2-year waiting period, based on your chosen waiting period when buying our policy. After that, expenses related to delivery, prenatal and postnatal care and newborn treatment are covered. This benefit is available as an add-on and can be added during policy purchase or renewal.

What are the tax benefits of health insurance?

You can claim tax deductions under Section 80D of the Income Tax Act. Note that premiums paid for yourself, your spouse, children and dependent parents are eligible for tax benefits under this section. You can claim up to ₹25,000 and an additional ₹50,000 if you're paying for senior citizen coverage.

Is there a co-payment in the policy?

Most plans have optional co-payment features. This means you pay a fixed percentage of the claim amount, and the insurer pays the rest. Co-payments are often used in senior citizen policies or when covering individuals with high-risk health conditions. You can choose a zero co-payment option by selecting the right plan variant.