Types of General Insurance

General insurance is your everyday safety net. It steps in when life throws curveballs – fixing a dented car, repairing a rain-soaked ceiling, paying a hospital bill or salvaging a derailed trip. Think of it as a set of practical covers, including motor, home, health, and travel, that help you recover costs and get back on track without draining your plans or savings.

Why does it matter now? Hospital bills and road risks are rising fast in India. For instance, the average health insurance claim jumped 11.35% in FY24 to ₹70,558, reflecting steeper medical costs. Climate and travel shocks add to the picture. As travel rebounds, travel insurance sales rose 18.95% year-on-year in Q1 2025, a sign that more people want protection against disruptions abroad.

At IndusInd General Insurance (previously Reliance General Insurance), you’ll find clear, practical cover across Health, Motor, Home, Travel, Commercial and more, so you can choose what fits your life today and your goals tomorrow.

And managing it is simple. With the IndusInd Insurance app, you can initiate and track claims digitally, renew policies in minutes and find nearby network hospitals and network garages, all from your phone, with real-time updates that speed things up when it matters most.

Why 5 Crore+ Policyholders Choose Us?

Life should be about living, not worrying about bills after a setback. IndusInd General Insurance (previously Reliance General Insurance) offers just the right kind of protection in your everyday life.

Comprehensive Coverage Options*

Enhanced coverage for all policy types!

Quick Claim Settlement*

Quick & secure claim settlement!

24/7 Assistance*

Get help anywhere, anytime!

Easy to Buy, Renew & Claim*

Everything instantly through the IndusInd Insurance App

Top Reasons to Buy General Insurance

One bad flu or a surprise surgery can put a dent in your budget. With health insurance, hospitalisation, day-care procedures, and ambulance costs are covered at your preferred hospitals. You can even add your family members and keep them covered under one plan.

A minor crash involving a scooter, a dented bumper, or an injured pedestrian can quickly add up to significant repair costs. Motor insurance helps cover these costs. Plus, since every vehicle owner needs at least third-party motor insurance coverage, it also helps you avoid getting fined by the traffic police.

A burst pipe, a short-circuit, or a monsoon leak can ruin appliances, furniture and even walls. Home insurance helps pay for repairs and replacements, and many plans cover burglary too. If damage forces you out temporarily, some covers include alternative accommodation so life keeps running while your home gets fixed. Valuables can be insured at agreed values.

A flight delay in Bangkok or a lost wallet after a fun night out in Tokyo can quickly derail your travel plans. With travel insurance, you’re covered for these trip emergencies. So anything from a lost passport to medical bills from a medical emergency will be taken care of by your insurer if something does go wrong while you’re overseas. This means fewer worries and more memories.

A shop fire, equipment breakdown or customer slip-and-fall can drain working capital overnight. SME insurance covers property, stock, machinery, money in transit and third-party liability, helping you restore operations quickly. It means payrolls, rent and supplier payments stay on track even when the unexpected interrupts your business.

When something goes wrong, you need help now, not next week. With the IndusInd Insurance app you can buy or renew policies, file claims with photos and documents, track status in real time and access nearby network hospitals and garages. Round-the-clock assistance makes the process simple, quick, and reassuring.

Types of General Insurance Plans

At IndusInd General Insurance (formerly Reliance General Insurance), whether you're facing medical emergencies, road accidents, natural disasters or travel uncertainties, having the right insurance coverage can provide financial security amid rising risks and costs.

1 Health Insurance

Protect your family’s health and savings with plans that cover hospitalisation, day-care treatments, ambulance costs and more. Choose individual or family-floater sum insured, with options like no-claim benefits and cashless care at network hospitals.

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2 Travel Insurance

Travel with confidence, whether it’s a quick business getaway or a long-awaited international trip. Get cover for medical emergencies abroad, trip delays or cancellations, lost baggage and passport assistance, and more with 24/7 support.

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3 Motor Insurance

Keep your car or bike protected against accidents, theft and third-party liabilities. Choose Third-Party or Comprehensive cover, plus smart add-ons like Nil Depreciation, Engine Protect, Roadside Assistance and a lot more.

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4 SME Insurance

Safeguard your shop, office, clinic or warehouse with tailored protection for property, stock, machinery, burglary, fire, liability and business interruption. Select covers that align with your operations and risk profile, featuring straightforward documentation and prompt support when you need it most.

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Inclusions and Exclusions of IndusInd General Insurance - Health Insurance

Health insurance pays for hospital bills, so a sudden treatment doesn’t unsettle your budget. Here’s what is covered and not covered in our health plans:

What is Covered?

Inpatient hospitalisation (room, nursing, ICU)

Day-care procedures without a 24-hour stay

Pre & post-hospitalisation expenses (within specified days)

Treatment at AYUSH facilities and Emergency ambulance charges

Reinstatement of the base sum insured (SI)

What is Not Covered?

OPD/maternity, unless specifically covered

Experimental/unauthorised procedures

Non-prescribed vitamins/cosmetics, or weight-loss treatments

Self-inflicted injuries or intoxication-related treatment

Hospitalisation/treatments due to war or related activities

Inclusions and Exclusions of IndusInd General Insurance - Motor Insurance

Stay road-legal and protected with our Car and Bike insurance plans. Pick the comprehensive coverage option for extra benefits & add-ons. Here are a few essential inclusions & exclusions to be aware of:

What is Covered?

Third-party liability (injury/property damage)

Own damage from accidents/collisions

Theft, fire and natural calamities (flood, cyclone)

Personal Accident cover for owner-driver (as per policy)

Accident and collision coverage.

What is Not Covered?

Driving without a valid licence or under the influence of alcohol/drugs

Consequential loss, normal wear & tear, depreciation

Mechanical/electrical breakdown not caused by an accident

Using a vehicle beyond its declared use (e.g., racing, private vehicle for hire)

Unauthorised accessories/modifications not declared

Inclusions and Exclusions of IndusInd General Insurance - Travel Insurance

When travel plans go off track, our insurance plans step in. From overseas medical help to other eligible assistance, we’re there for you 24/7. Here’s what else you should know about our travel policy coverage:

What is Covered?

Emergency medical treatment & evacuation abroad

Trip cancellation/interruption due to covered reasons

Loss/delay of checked baggage & passport assistance

Compassionate visit of a near one or a doctor.

Hijack distress allowance.

What is Not Covered?

Travel solely for medical treatment/cosmetic surgery

Pre-existing conditions, unless life-threatening (as per policy)

War zones/sanctioned countries and known events

High-risk sports if not opted as add-ons

Losses due to illegal acts/negligence

Inclusions and Exclusions of IndusInd General Insurance - SME Insurance

Protect your home, shop, office, clinic or warehouse from everyday risks with the right SME insurance plans. Select the covers you need and efficiently manage documentation and claims online with us. Learn about the inclusions & exclusions below:

What is Covered?

Damage to building, contents & stock due to fire/flood/storm

Burglary/robbery of insured property

Machinery breakdown (if opted)

Business interruption/loss of profits after insured damage

Public & product liability (as chosen)

What is Not Covered?

Normal wear & tear or gradual deterioration

Wilful misconduct or gross negligence

War, nuclear, or government confiscation risks

Unrecorded stock/contraband/uninsurable interests

Losses before policy start or outside insured premises

Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wordings.

Difference Between General Insurance and Life Insurance

Insurance comes in two main types: general insurance and life insurance. Each serves a different purpose in protecting you and your loved ones. This table will help you better understand the key differences between the two:

Basis of Comparison	General Insurance	Life Insurance
Coverage	Protects assets/expenses (car, home, health) from non-life risks, such as accidents, damage, and theft.	Covers a person’s life and pays the family a fixed, pre-determined amount on the policyholder’s death.
Policy Duration	Short-term coverage. Typically lasts 1 year and needs to be renewed regularly.	Long-term coverage. Life insurance policies usually span many years or even a lifetime.
Claim Payout	The payout is based on the actual financial loss from a covered event. The insurance company reimburses or directly pays for the damage or costs (up to the coverage limit).	Life insurance pays out a pre-decided amount (sum assured) when the insured passes away during the policy term.
Premiums	Short-term premiums. Generally lower. You usually pay the premium once per policy term (e.g. annually for a yearly policy) to keep the coverage active.	Long-term premiums. They are paid regularly over many years (monthly, quarterly, or yearly). Often higher overall than general insurance premiums.

How to Buy the IndusInd General Insurance Plan?

Purchasing any of the general insurance plans offered by IndusInd General Insurance is straightforward and easy. Here are the quick steps to follow:

Step

Visit our official website and go to ‘Explore Products’. You can also use the IndusInd Insurance app to purchase a plan.

Step

Pick your desired general insurance plan type: Health, Travel, Motor, SME, or a subtype of your choice.

Step

Enter your details and your contact number. You’ll be able to view the prices of your chosen plan on the screen..

Step

Once you’re satisfied with the policy quote, you can proceed to purchase the same or pick a few add-ons if you like.

Step

Make the premium payment online and you’ll receive the policy in your email within minutes.

Buy your choice of a General Insurance plan with us today!

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How to Claim IndusInd General Insurance

Step 1

Immediately call our 24×7 helpline, email or use the IndusInd Insurance app with your policy number, hospital name, and admission details. For reimbursement claims, inform us before planned admission or as soon as possible in an emergency.

Step 2

Submit the pre-authorisation/claim form at the hospital for cashless treatment. For reimbursement, settle the charges at the hospital and collect all original documents (discharge summary, prescriptions, reports, itemised bills).

Step 3

IndusInd Care (previously Reliance Care) reviews your request and may seek additional documents, if needed.

Step 4

Once verified, we’ll pay directly to the hospital in case of cashless claims. For reimbursement claims, on approval, we reimburse eligible expenses to your registered bank account.

Step 1

First, contact our 24×7 helpline, email or use the IndusInd Insurance app. Share your policy number, incident dates, what happened, and where.

Step 2

Complete the claim form and collect required documents (for example, Property Irregularity Report (PIR) for baggage issues, FIR/police report for theft, etc.).

Step 3

IndusInd Care (previously Reliance Care) will assess your claim and may request clarifications or additional papers.

Step 4

On approval, eligible expenses/benefits are reimbursed to your bank account as per policy limits and deductibles.

Key Takeaways

Insurance already makes a real difference in India. In FY 2023–24, India’s non-life insurers shouldered ₹1.72 lakh crore in net incurred claims, reflecting how general insurance pays when it matters. The broader market also experienced growth; non-life premiums underwritten reached ₹2.90 lakh crore in FY24, indicating a stronger adoption of protection.

What this means for you: life’s shocks like hospital stays, car accidents, floods and stolen baggage can wipe out savings. From motor mishaps and property damage to travel delays and liability claims, surprises can be costly. With the right cover, those bills don’t derail your plans.

With IndusInd General Insurance (previously Reliance General Insurance), you get practical protection, fast digital support, and live every day freely, without worrying about sudden mishaps draining your savings.

Keep the IndusInd Insurance app handy to keep all your policy-related documents in one place, and be a part of our digital-first approach!

General insurance plans starting at affordable premiums!

Protect What Matters Most

Choose from a range of insurance plans tailored to your needs. Whether it's health, motor, travel, or property insurance, find the right protection with a hassle-free online journey and reliable support at every step.

Explore Plans

IndusInd Health Insurance Plans

Individual Health Insurance

Family Health Insurance

Senior Citizen Health Insurance

Critical Illness Health Insurance

Group Health Insurance

International Health Insurance

IndusInd Travel Insurance Plans

Individual Travel Insurance

Family Travel Insurance

Student Travel Insurance

Senior Citizen Travel Insurance

Schengen Travel Insurance

Asia Travel Insurance

IndusInd Motor Insurance Plans

Car Insurance

Bike Insurance

Scooter Insurance

IndusInd SME Insurance Plans

Shopkeepers Package Policy

Professional Indemnity Insurance for Doctors

Employees Compensation Policy

Pradhan Mantri Fasal Bima Yojana

Marine Cargo Insurance

Author - Amount Health Insurance

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.

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Stories shared by our happy customers!

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4.8 ★ ★ ★ ★ ★ (2710)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

The best insurance experience I've had! Simple, affordable, and reliable. Highly satisfied with my Car policy.

Ritik

Noida

Value for money

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

Balasaheb Babu Rao Deosarkar

Yavatmal

4.5

Seamless digital experience

My experience of getting my car insurance was easy and straightforward. I am satisfied with the policy and don't see a need for extras.

Abdul Bawani

Yavatmal

Quick policy issuance

Purchcasing my Car felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Debashish Sen

West Tripura

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Rupak Das

West Tripura

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

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.

Prasen Jitpal

West Midnapore

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Sankuratri Venkata Bulli Rani

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) 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. I found the entire process trustworthy and efficient.

Manthenaravi Teja Varma

West Godavari

Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I'm happy with how everything went and feel secure with my policy.

Karem Raja Rao

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

Murali Krishna Alla

West Godavari

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Nekkalapu Vijaya Lakshmi

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. 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. I found the entire process trustworthy and efficient.

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West Godavari

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. 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.

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West Godavari

Quick policy issuance

I had a positive overall experience while applying for Car insurance from Reliance (now IndusInd) . It met my requirements well and felt tailored to my needs. I did not feel the need for any other products at this time. I found the entire process trustworthy and efficient.

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.

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West Godavari

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) 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.

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.

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West Godavari

Quick policy issuance

I was impressed by the overall Reliance Insurance (now IndusInd Insurance) experience. The platform was intuitive, and the coverage felt like a perfect fit. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Sobhit Gupta

New Delhi

Quick policy issuance

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

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.

Ritesh Gupta

New Delhi

Quick policy issuance

I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . 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. The convenience and clarity made this a good experience.

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.

Nishida Noonhampurath

Wayanad

Quick policy issuance

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

Sushil Madhukar Raosapkal

Washim

Quick policy issuance

Buying a Car 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. No additional coverage seemed required for my needs. I'm happy with how everything went and feel secure with my policy.

Gaddam Keerthi

Warangal

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. The process felt reliable and I would recommend it to others.

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Warangal

Quick policy issuance

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

Nadipellimadhava Rao

Warangal

Quick policy issuance

The journey of purchasing car insurance from Reliance (now IndusInd) felt effortless and user-friendly. 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.

Sayyedja Lalahamed

Warangal

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Jaya Krishna Madupu

Warangal

Seamless digital experience

The journey of purchasing Car insurance felt effortless and user-friendly. The product details, coverage and offerings do not match my needs currently.

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Warangal

Quick policy issuance

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

Harikrishna Kavati

Warangal

Quick policy issuance

Buying a Car policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Asra Parveen

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) 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'm happy with how everything went and feel secure with my policy.

Veldandi Satish

Warangal

Quick policy issuance

The journey of purchasing Car insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. The process felt reliable and I would recommend it to others.

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Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

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.

Mutika Raju

Warangal

Quick policy issuance

Buying a Car policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Kotte Siromani

Warangal

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. While digital is fine, having a physical document would add assurance. Overall, it was a seamless experience and I am satisfied.

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Warangal

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive.

Nagelli Rahul

Warangal

Quick policy issuance

Buying a car policy through the platform was straightforward and quick. It aligns well with what I needed from an insurance policy.

Ananthula Umamaheshwar

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance was convenient. 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. Overall, it was a seamless Reliance Insurance (now IndusInd Insurance) experience and I am satisfied.

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Warangal

Quick policy issuance

The journey of purchasing Car 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. The process felt reliable and I would recommend it to others.

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Warangal

Value for money

I recently purchased my Car insurance and found the experience to be fine.

M Sainivas

Wanaparthy

Quick policy issuance

The car insurance process was efficient and well-supported. I felt like I was making a smart, informed choice.

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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.

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Frequently Asked Questions (FAQs)

What should I check before buying a general insurance policy?

Start with your needs (health, motor, home, travel, SME). Then review: Coverage & exclusions (what’s in / out, sub-limits, waiting periods); Sum insured & deductibles (enough to cover real costs); Premium vs budget (value, not just the lowest price); Cashless network & add-ons (hospitals, garages, riders); Claims experience (settlement record, documentation, TAT, app support).

What are the eligibility criteria for general insurance in India?

It varies by product: Health: age limits, medical history/KYC; Motor: valid RC, inspection (if required), previous policy details; Home/SME: ownership/tenancy proof, property details, security measures; Travel: age, trip duration, destination. Your KYC documents and truthful declarations are mandatory.

What are the two main categories of insurance?

General Insurance (non-life): health, motor, home, travel, SME. Life Insurance: financial protection in case of the insured person’s death (or specified events).

What if a principle is violated?

It can lead to delays, claim denials or even policy voidance. Always disclose facts accurately, follow policy terms, and keep proper records to ensure smooth claims.

What is a claim in general insurance?

A claim is your formal request asking the insurer to pay for a covered loss/expense under your policy. Submit the claim form and required documents. Once approved, we will pay directly (cashless) or reimburse you up to the policy limits.

Can I buy general insurance online?

Yes. You can compare plans, get quotes and buy or renew in minutes. With the IndusInd Insurance App App, you can also upload KYC, receive policy documents instantly and manage claims digitally.

Which type of insurance is “most important”?

There’s no one-size-fits-all. Choose by risk: health for medical costs, motor for legal compliance and own-damage cover, home for property protection, and travel for trip risks. Pair general insurance with life insurance if you want to protect your family’s future income.

What are the Principles of Insurance?

Seven key ideas guide fair contracts: good faith, insurable interest, indemnity, proximate cause, subrogation, contribution and loss minimisation. They ensure claims are assessed consistently and transparently.

Are there any tax benefits under general insurance?

Health insurance premiums may offer tax benefits under Section 80D (as per prevailing law). For businesses, certain general insurance premiums may be treated as expenses. Tax rules change; please consult your tax advisor.

Is general insurance an indemnity contract? What does that mean for you?

Yes. A general insurance policy operates on the principle of indemnity, promising to repay the actual financial loss you incur when a covered event, such as a car accident, hospital stay, or home or business-related mishap, affects your finances. The payout is limited to what it costs to get you back to the same financial position you were in before the accident; it’s not a savings plan or a windfall.