{"uin":"INIHLIP26040V042526","name":"IndusInd HealthGain Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd HealthGain Policy is a health indemnity policy with Plus, Power and Prime plans and policy terms of 1 to 5 years. It has a 30 days initial waiting period, 36 months pre-existing disease waiting period, unlimited reinstatement of base sum insured and family floater availability.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:50:21.319626+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Plus","Power","Prime"],"display":"Plus, Power, Prime","note":null,"quote":"Plan Type | There are 3 plans Plus, Power, Prime","sources":[{"clause":"Annexure I","heading":"Coverage Summary","page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-annexure-i"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases (Code- Excl 01)","Specific Waiting Period (Code- Excl 02)","First Thirty Days Waiting Period (Code- Excl03)","15 days Waiting Period for Covid-19","Investigation & Evaluation (Code: Excl04)","Rest Cure, rehabilitation and respite care (Code: Excl05)","Obesity/ Weight Control (Code: Excl06)","Change-of-Gender treatments (Code: Excl 07)","Cosmetic or Plastic Surgery (Code: Excl 08)","Hazardous or Adventure sports (Code: Excl 09)","Breach of law (Code: Excl 10)","Excluded Providers (Code: Excl 11)","Substance Abuse and Alcohol (Code: Excl12)","Wellness and Rejuvenation (Code: Excl13)","Outpatient Treatment","Overseas Treatment"],"display":"Waiting-period exclusions, standard exclusions such as investigation, rest cure, obesity, gender change, cosmetic surgery, adventure sports, breach of law, excluded providers, substance abuse, wellness treatments, and product exclusions such as outpatient and overseas treatment","note":null,"quote":"Pre-Existing Diseases (Code- Excl 01) ... Specific Waiting Period (Code- Excl 02) ... First Thirty Days Waiting Period (Code- Excl03) ... 15 days Waiting Period for Covid-19 ... Investigation & Evaluation (Code: Excl04) ... Rest Cure, rehabilitation and respite care (Code: Excl05) ... Obesity/ Weight Control (Code: Excl06) ... Change-of-Gender treatments (Code: Excl 07) ... Cosmetic or Plastic Surgery (Code: Excl 08) ... Hazardous or Adventure sports (Code: Excl 09) ... Breach of law (Code: Excl 10) ... Excluded Providers (Code: Excl 11) ... Substance Abuse and Alcohol (Code: Excl12) ... Wellness and Rejuvenation (Code: Excl13) ... Outpatient Treatment: Treatment which has been done on an outpatient basis without any associated Hospitalization. ... Overseas Treatment: Treatment received outside India.","sources":[{"clause":"4.1.1","heading":"Pre-Existing Diseases (Code- Excl 01)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-1"},{"clause":"4.1.2","heading":"Specific Waiting Period (Code- Excl 02)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-2"},{"clause":"4.1.3","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-3"},{"clause":"4.2.1","heading":"15 days Waiting Period for Covid-19","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-2-1"},{"clause":"4.1.4","heading":"Investigation & Evaluation (Code: Excl04)","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-4"},{"clause":"4.1.5","heading":"Rest Cure, rehabilitation and respite care (Code: Excl05)","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-5"},{"clause":"4.1.6","heading":"Obesity/ Weight Control (Code: Excl06)","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-6"},{"clause":"4.1.7","heading":"Change-of-Gender treatments (Code: Excl 07)","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-7"},{"clause":"4.1.8","heading":"Cosmetic or Plastic Surgery (Code: Excl 08)","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-8"},{"clause":"4.1.9","heading":"Hazardous or Adventure sports (Code: Excl 09)","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-9"},{"clause":"4.1.10","heading":"Breach of law (Code: Excl 10)","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-10"},{"clause":"4.1.11","heading":"Excluded Providers (Code: Excl 11)","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-11"},{"clause":"4.1.12","heading":"Substance Abuse and Alcohol (Code: Excl12)","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-12"},{"clause":"4.1.13","heading":"Wellness and Rejuvenation (Code: Excl13)","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-13"},{"clause":"4.2.11","heading":"Outpatient Treatment","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-2-11"},{"clause":"4.2.12","heading":"Overseas Treatment","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-2-12"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the insured person may first contact the company through its website, email, branch, courier or write to its correspondence unit. If not satisfied, the insured person may contact the Grievance Redressal Officer before approaching the Insurance Ombudsman or IRDAI grievance system.","display":"Contact the company first; if not satisfied, contact the Grievance Redressal Officer","note":null,"quote":"In case of any grievance the Insured Person may contact the Company through Website: www.indusindinsurance.com Dedicated Senior Citizen helpline: 022-33834185 (paid line) E-mail: services@indusindinsurance.com ... If Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at:","sources":[{"clause":"5.1.17","heading":"Redressal of Grievance","page":38,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-17"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"New business base sum insured options are Plus: 5 lakhs; Power: 10, 15, 20 lakhs; Prime: 25, 30, 50, 100, 300, 500 lakhs. Renewal/call option base sum insured options are Plus: 3, 5, 6, 9 lakhs; Power: 10, 12, 15, 18, 20, 24 lakhs; Prime: 25, 30, 36, 40, 48, 50, 60, 72, 80, 100, 300, 500 lakhs.","display":"New business: Plus 5 lakhs; Power 10, 15, 20 lakhs; Prime 25, 30, 50, 100, 300, 500 lakhs","note":null,"quote":"New Business Base Sum Insured (in lakhs) | Plus: 5 Power: 10, 15, 20 Prime: 25, 30, 50, 100, 300, 500 ... Renewal Business/ Call Option Base Sum Insured (in lakhs) | Plus: 3, 5, 6,9 Power: 10, 12, 15, 18, 20, 24, Prime: 25, 30, 36, 40, 48, 50, 60, 72, 80, 100, 300, 500","sources":[{"clause":"Annexure I","heading":"Coverage Summary","page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-annexure-i"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply if the insured person has continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered.","sources":[{"clause":"4.1.3","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Optional Reduction in Pre-Existing Waiting Period can reduce it to 24 or 12 months if allowed and mentioned in the policy schedule.","quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.1.1","heading":"Pre-Existing Diseases (Code- Excl 01)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"This exclusion does not apply for accident claims; if the disease/procedure also falls under the PED waiting period, the longer waiting period applies.","quote":"Expenses related to the treatment of the following listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage, as may be the case after the date of inception of the first Policy with the Company.","sources":[{"clause":"4.1.2(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-2-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"5.1.12","heading":"Moratorium Period","page":37,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-12"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian general or health insurer, accrued continuity benefits in waiting periods are given as per IRDAI portability guidelines.","display":"Allowed; apply at least 30 days before, but not earlier than 60 days from, the renewal date","note":null,"quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such insurer to port the entire Policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the Policy renewal date as per lRDAl guidelines related to portability.","sources":[{"clause":"5.1.9","heading":"Portability","page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.1.10","heading":"Renewal of Policy","page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days’ written notice. If there is no claim, refund is on a pro-rata basis; if any claim has been admitted or lodged, there is no refund for the policy year in which the claim occurs.","display":"7 days’ notice; pro-rata refund if no claim; no refund for the claim year if a claim is admitted or lodged","note":"No refund is payable if the company cancels on grounds of misrepresentation, non-disclosure of material facts or fraud.","quote":"The Policyholder may cancel this policy by giving 7 days’ written notice to the Company and in such an event, the Company shall refund the premium as detailed below: ... In case of no claim in the policy In the event of cancellation by the insured the refund amount shall be on pro-rata basis ... Where any claim has been admitted or has been lodged by the person under the Policy, there shall be no refund of premium for the Policy Year in which the claim occurs.","sources":[{"clause":"5.1.7(i)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-7-i"},{"clause":"5.1.7(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-7-a"},{"clause":"5.1.7(b)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-7-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers medical treatment taken within India, with payments in Indian rupees within India. Treatment received outside India is excluded.","display":"India only","note":null,"quote":"This Policy covers medical treatment taken within India, and payments under this Policy shall be made in Indian Rupees within India. ... Overseas Treatment: Treatment received outside India.","sources":[{"clause":"6.5","heading":"Payment Terms","page":44,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-5"},{"clause":"4.2.12","heading":"Overseas Treatment","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-2-12"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applies to new individual health insurance policies, not renewals or porting/migration.","quote":"The Insured Person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"5.1.15","heading":"Free Look Period","page":37,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"15 days monthly; 30 days in all other cases","note":"Monthly premium mode has 15 days; all other cases have 30 days.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"5.1.10","heading":"Renewal of Policy","page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Equated Monthly Instalments (3 EMIs, 6 EMIs, 12 EMIs)"],"display":"Half Yearly, Quarterly or Equated Monthly Instalments (3 EMIs, 6 EMIs, 12 EMIs)","note":null,"quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Equated Monthly Instalments (3 EMIs, 6 EMIs, 12 EMIs), as mentioned in the Policy Schedule/Certificate of Insurance","sources":[{"clause":"5.1.13","heading":"Premium Payment in Instalments (wherever applicable)","page":37,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-13"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period, except where the premium is paid in instalment. For instalment premiums, coverage is available from the due date of instalment premium till the date of receipt of premium during the grace period.","display":"No cover during grace period except instalment premiums","note":null,"quote":"Coverage is not available during the grace period, except in case where the premium is paid in instalment. ... During such grace period, coverage will be available from the due date of instalment premium till the date of receipt of premium by Company.","sources":[{"clause":"5.1.10","heading":"Renewal of Policy","page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-10"},{"clause":"5.1.13","heading":"Premium Payment in Instalments (wherever applicable)","page":37,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-5-1-13"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room category is capped by plan: Plus allows a Single Private Air-Conditioned Room, while Power and Prime are at actuals.","display":"Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals","note":"Optional Change in Room Rent Limits can alter the room category if opted and accepted.","quote":"Room Category | For Plus: Single Private Air-Conditioned Room For Power and Prime: Actuals","sources":[{"clause":"Annexure I","heading":"Coverage Summary","page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-annexure-i"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"Plus allows Single Private Air-Conditioned Room. Power and Prime are covered at actuals.","display":"Plus: Single Private Air-Conditioned Room; Power and Prime: Actuals","note":null,"quote":"Room Category | For Plus: Single Private Air-Conditioned Room For Power and Prime: Actuals","sources":[{"clause":"Annexure I","heading":"Coverage Summary","page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-annexure-i"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU charges are included in Hospitalization Expenses, which are payable up to the sum insured.","display":"ICU charges included up to the Sum Insured","note":null,"quote":"Hospitalization Expenses: | Upto the Sum Insured ... The Medical Expenses as mentioned above shall mean the Reasonable and Customary Charges which include the following: ... iii) Intensive care Unit (ICU) charges,","sources":[{"clause":"Annexure I","heading":"Coverage Summary","page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-annexure-i"},{"clause":"3.1.1","heading":"HOSPITALIZATION EXPENSES","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured chooses a higher room category or room rent above the eligible sub-limit, associated medical expenses and room rent are proportionately reduced. Pharmacy and consumables, implants and medical devices, diagnostics and ICU charges are not proportionately reduced as stated.","display":"Yes, if room category/rent exceeds eligibility","note":"No proportional reduction is applied in government hospitals and the insurer's network hospitals if there is no differential billing.","quote":"the Associate Medical Expenses (and the Room Rent) incurred by the Insured Person pertaining to a Hospitalization shall be proportionately reduced ... The Insured Person chooses a higher room category than the category that is eligible as per the terms and conditions of the Policy. ... ICU charges shall not be proportionately reduced in all cases.","sources":[{"clause":"6.4","heading":"Proportionate Deductions","page":43,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-4"},{"clause":"6.4(i)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-4-i"},{"clause":"6.4(d)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-4-d"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No base deductible is applicable. An optional Voluntary Aggregate Deductible can be chosen for a premium discount, with options of 10,000, 25,000, 50,000 and 1,00,000.","display":"Not applicable unless optional Voluntary Aggregate Deductible is chosen","note":"The optional deductible is an annual aggregate deductible.","quote":"Deductible (It is a specified amount: • Up to which an insurance company will not pay any claim, and • Which will be deducted from total claim amount (if claim amount is more than the specified amount) | Not Applicable ... Voluntary | Options are: 10,000, 25,000, 50,000, 1,00,000","sources":[{"clause":"3(v)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9644#c-3-v"},{"clause":"3.7.7","heading":null,"page":48,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-7-7-2"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"Optional Convenience Cover can change the pre-hospitalization period to 90 days if opted and accepted.","quote":"The Company shall indemnify the Policyholder/Insured Person for the Medical Expenses incurred in the 60 days immediately before the Insured Person was Hospitalized","sources":[{"clause":"3.1.5","heading":"Pre-Hospitalization","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-5"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"Optional Convenience Cover can change the post-hospitalization period to 180 days if opted and accepted.","quote":"The Company shall indemnify the Policyholder/Insured Person for the Medical Expenses incurred in the 90 days immediately after the Insured Person was discharged post Hospitalization","sources":[{"clause":"3.1.6","heading":"Post-Hospitalization","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-6"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day Care Treatment as defined in the policy is covered on written advice of a medical practitioner, within the sum insured.","display":"Covered, within the Sum Insured","note":"Treatment normally taken on an out-patient basis is not included in the policy definition of Day Care Treatment.","quote":"The Company shall indemnify the Policyholder/Insured Person for the Medical Expenses incurred during the Policy Year, if the Insured Person undergoes a Day Care Treatment as defined under this Policy, on the written advice of a Medical Practitioner. ... Day Care | Within the Sum Insured","sources":[{"clause":"3.1.1.2","heading":"Day Care Treatment","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-1-2"},{"clause":"3.1.1.2","heading":null,"page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-1-2-2"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary Hospitalization is covered up to the amount specified in the policy schedule, if treatment continues for at least three continuous and completed days, subject to listed disease exclusions.","display":"Covered within the Sum Insured, subject to conditions","note":"Domiciliary claims are not payable for listed diseases including asthma, bronchitis, diabetes, epilepsy, hypertension and psychiatric or psychosomatic disorders.","quote":"The Company shall indemnify the Policyholder/Insured Person up to an amount specified in the Policy Schedule, for the Medical Expenses incurred for Domiciliary Hospitalization during the Policy Year, provided that the condition for which the medical treatment is required continues for at least three continuous and completed days","sources":[{"clause":"3.1.3","heading":"Domiciliary Hospitalization","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-3"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"Hospitalization under AYUSH Treatment is included in Hospitalization Expenses.","display":"Covered under Hospitalization Expenses","note":null,"quote":"If the Insured Person is diagnosed with any Illness or suffers any Injury that requires Hospitalization, (including Hospitalization under AYUSH Treatment), during the Policy Period, then the Company shall pay Medical Expenses incurred","sources":[{"clause":"3.1.1","heading":"HOSPITALIZATION EXPENSES","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-1"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Modern treatment methods are covered up to the policy schedule limit for inpatient, day care or domiciliary treatment; the coverage summary states up to 100% of Base Sum Insured.","display":"Up to 100% of Base Sum Insured","note":"The listed methods also include Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain Stimulation, Intra Vitreal injections, Stereotactic radio surgeries, Bronchial Thermoplasty, prostate vaporization and IONM.","quote":"The Company shall indemnify the Insured Person up to the limit as specified in the Policy Schedule for the Medical Expenses incurred during the Policy Year on Inpatient Treatment or Day Care Treatment or Domiciliary Treatment of below mentioned Modern Treatment Methods: ... Oral Chemotherapy ... Immunotherapy-Monoclonal Antibody to be given as injection ... Robotic surgeries ... Stem Cell therapy: including Hematopoietic stem cells for bone marrow transplant for hematological conditions ... Modern | Upto 100% of Base Sum Insured","sources":[{"clause":"3.1.4","heading":"Modern Treatment","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-4"},{"clause":"3.1.4","heading":null,"page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-4-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Organ donor medical expenses during inpatient treatment for transplant surgery on the insured person are covered up to the amount specified in the policy schedule, including the donor's pre and post hospitalization expenses.","display":"Covered up to Sum Insured, including donor pre and post hospitalization expenses","note":null,"quote":"The Company shall indemnify the Policyholder/Insured Person up to an amount specified in the Policy Schedule for the Medical Expenses incurred, during In Patient Treatment, in respect of donor of any organ transplant surgery conducted on the Insured Person during the Policy Year ... The Company shall also pay the donor’s Pre and Post Hospitalization Expenses as per terms specified under 3.1.5 Pre-Hospitalization and 3.1.6 Post-Hospitalization.","sources":[{"clause":"3.1.7","heading":"Organ Donor Expenses","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-7"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"The base sum insured is reinstated unlimited times during the policy year after occurrence and payment of a claim. The reinstated sum insured can be used for subsequent claims for both unrelated and related illness or injury and cannot be carried forward.","display":"Unlimited reinstatement for subsequent related and unrelated claims","note":"Reinstatement is available only for subsequent claims and only after Base Sum Insured, Extra/Double Cover and Cumulative Bonus are exhausted as stated.","quote":"The Company shall reinstate the Base Sum Insured unlimited times, during the Policy Year, after occurrence and payment of claim amount under the Policy ... The Reinstated Sum Insured can be utilized unlimited times for subsequent claims for both unrelated and related illness or injury. ... The unutilized Re-instated Sum Insured cannot be carried forward to any subsequent Policy Year.","sources":[{"clause":"3.2.1","heading":"Unlimited Reinstatement of Base Sum Insured","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-2-1"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"Cumulative Bonus increases by 33.33% of Base Sum Insured at the end of each completed and continuous claim-free policy year, up to 100% of Base Sum Insured. If a claim is made, it decreases by 33.33% of Base Sum Insured in the subsequent year, without reducing the Base Sum Insured.","display":"33.33% increase per claim-free year, max 100%; 33.33% decrease after a claim","note":"Optional Guaranteed Cumulative Bonus can change these rules.","quote":"The Company shall provide 33.33 % (one third) of the Base Sum Insured as Cumulative Bonus at the end of each completed and continuous Policy Year, provided that no Claim has been made in the expiring Policy Year. ... shall not exceed 100% of the of Base Sum Insured ... In case of a claim in any given Policy Year the Cumulative Bonus shall be decreased by 33.33% (one third) of the Base Sum Insured in the subsequent year. However, the reduction in Cumulative Bonus shall not reduce the Base Sum Insured.","sources":[{"clause":"3.5.1","heading":"Cumulative Bonus","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-5-1"},{"clause":"3.5.1(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-5-1-i"},{"clause":"3.5.1(x)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-5-1-x"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Hospitalization Expenses include medicines, drugs and consumables, but non-payable items in Annexure A List I are excluded unless the optional Consumables Cover is bought. With that optional cover, List I, II, III and IV items are covered within the sum insured if medically necessary and linked to an accepted hospitalization claim.","display":"Consumables in hospitalization are covered; Annexure A non-payable items need optional Consumables Cover","note":null,"quote":"The Medical Expenses as mentioned above shall mean the Reasonable and Customary Charges which include the following: ... vi) Medicines, drugs and Consumables expenses ... Non-payable items: Expenses against items mentioned in “Annexure A- List I” shall not be payable. This exclusion shall be waived off, if Optional Benefit-3.7.3.2 Consumables Cover has been opted under the Policy. ... The Company shall pay the Reasonable and Customary expenses incurred by the Policyholder /Insured Person, during the Policy Year, for items which are listed in ‘Annexure A- List I, List II, List III and List IV as Optional Items’","sources":[{"clause":"3.1.1","heading":"HOSPITALIZATION EXPENSES","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-1-1"},{"clause":"4.2.10","heading":"Non-payable items","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-2-10"},{"clause":"3.7.3.2","heading":"Consumables Cover","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-7-3-2"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity Expenses are excluded in the base policy unless the optional Mother and Child Care maternity cover is opted. Under that optional cover, maternity expenses are covered up to the policy schedule limit after the applicable waiting period.","display":"Excluded unless optional Maternity Cover is opted; optional limit 1 lakh or 2 lakhs depending on sum insured/option","note":"Optional cover is available only to female members aged 18 to 45 years and limited to two events in the insured person's lifetime with the company.","quote":"Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... The Company shall indemnify the Insured Person up to the limit specified in the Policy Schedule towards the Maternity Expenses incurred on In-patient Treatment during the Policy Year ... 1 and 2 years | 24 months ... 3 years and above | Option 1: Zero, Option 2: 12 months, Option 3: 24 months","sources":[{"clause":"4.1.18","heading":"Maternity Expenses (Code - Excl 18)","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-1-18"},{"clause":"3.7.13.1","heading":"Maternity Cover","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-7-13-1"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Newborn baby and vaccination cover is available only under the optional Mother and Child Care cover after an accepted maternity claim. It pays medical expenses from date of birth till 90 days of age for inpatient treatment or day care procedure, within the maternity limit.","display":"Optional; from birth till 90 days, within the Maternity Limit","note":"This is an optional cover and falls within the Maternity Cover Sum Insured.","quote":"The Company shall indemnify the Insured Person up to the limits specified in the Policy Schedule towards the treatment of Newborn baby as In-Patient Care or Day Care Procedure during the Policy Year/ Extended Policy Year(if applicable), provided: ... The Company has accepted the claim under Benefit no-3.7.13.1 Maternity Cover ... Medical Expenses incurred by the Insured Person’s Newborn Baby from date of birth till 90 days of age towards In Patient Treatment or Day Care Procedure shall be payable under this benefit.","sources":[{"clause":"3.7.13.2","heading":"Newborn Baby and Vaccination Cover","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-7-13-2"},{"clause":"3.7.13.2(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-7-13-2-i"},{"clause":"3.7.13.2(ii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-7-13-2-ii"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"In each policy year, the company provides expenses for listed diagnostic or preventive medical tests, limited to Rs 3,000. The benefit is cashless with empaneled service providers, with reimbursement on approval where tests cannot be arranged.","display":"Rs 3,000 each Policy Year","note":"For floater policies, the medical check-up limit is available on floater basis.","quote":"In each Policy Year, the Company shall provide expenses for the listed diagnostic or preventive medical tests with respect to the Insured Persons in the Policy. ... The total amount payable towards medical tests in a given Policy Year shall be limited to Rs 3000.","sources":[{"clause":"3.6.5.1","heading":"Health Check Up","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-6-5-1"},{"clause":"3.6.5.1(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-6-5-1-i"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Outpatient treatment is excluded unless specified otherwise. The optional maternity cover specifically allows pre-natal and post-natal medical expenses up to Rs 10,000 on an OPD basis for an admissible claim.","display":"OPD excluded unless specified; optional maternity pre/post-natal OPD up to Rs 10,000","note":"The Rs 10,000 OPD benefit is part of the optional Maternity Cover.","quote":"Outpatient Treatment: Treatment which has been done on an outpatient basis without any associated Hospitalization. ... For an admissible claim, this benefit also covers the Pre- natal and Post-natal Medical Expenses maximum up to Rs 10,000 on OPD basis","sources":[{"clause":"4.2.11","heading":"Outpatient Treatment","page":34,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-4-2-11"},{"clause":"3.7.13.1","heading":"Maternity Cover","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-3-7-13-1"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available only at a Network Hospital for Hospitalization Expenses and Modern Treatment unless specified otherwise. If authorized, the insured need not pay covered hospitalization expenses within the authorized limit and the TPA/Company directly settles eligible amounts with the network hospital.","display":"Available at Network Hospital","note":null,"quote":"Cashless facility is available only at a Network Hospital and shall be available for Benefits-3.1.1(Hospitalization Expenses) and 3.1.5 (Modern Treatment), unless specified otherwise. ... If the procedure above is followed and the Policyholder’s/ Insured Person’s request for Cashless facility is authorized, the Policyholder/ Insured Person will not be required to pay for the Hospitalization Expenses which are covered under this Policy and fall within the Company’s liability (within the authorized limit). ... the TPA/Company will directly settle all eligible amounts as per the Policy Terms & Conditions with the Network Hospital","sources":[{"clause":"6.1.2(i)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-1-2-i"},{"clause":"6.1.2(c)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-1-2-c"},{"clause":"6.1.2(g)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-1-2-g"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by the TPA/Company; claim intimation and documents are to be submitted to the TPA/Company or network hospital as applicable.","display":"TPA/Company","note":null,"quote":"the Policyholder/ Insured Person, must notify the TPA/Company either at the call center or in writing immediately ... The Policyholder / Insured Person shall submit to the TPA/Company/ Network Hospital (as applicable) the following documents for or in support of the Claim","sources":[{"clause":"6.1.1","heading":"Claims Intimation","page":39,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-1-1"},{"clause":"6.3","heading":"Claim Documents","page":41,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636#c-6-3"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd HealthGain Policy (INIHLIP26040V042526 effective from 2026)","pages":59,"fetched_at":"2026-10-17 19:45:03+00","source_url":"https://www.indusindinsurance.com/downloads/revised-indusind-health-gain-policy-wordings","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9636"},{"kind":"prospectus","label":"IndusInd Healthgain Policy Prospectus","pages":42,"fetched_at":"2026-10-17 19:45:37+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-healthgain-policy-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9657"},{"kind":"prospectus","label":"IndusInd HealthGain Policy (INIHLIP26040V042526 effective from 2026)","pages":42,"fetched_at":"2026-10-17 19:45:43+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-healthgain-new-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9658"},{"kind":"cis","label":"IndusInd HealthGain Policy (INIHLIP26040V042526 effective from 2026)","pages":9,"fetched_at":"2026-10-17 19:45:23+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-healthgain-new-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9644"},{"kind":"brochure","label":"IndusInd HealthGain Policy (INIHLIP26040V042526 effective from 2026)","pages":12,"fetched_at":"2026-10-17 19:40:03+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-healthgain-brochure","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/9574"},{"kind":"proposal","label":"IndusInd HealthGain Policy (INIHLIP26040V042526 effective from 2026) PF","pages":null,"fetched_at":"2026-10-17 19:45:51+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-healthgain-new-proposal-form","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/22670"},{"kind":"proposal","label":"IndusInd HealthGain Policy (INIHLIP26040V042526 effective from 2026)","pages":null,"fetched_at":"2026-10-17 19:46:17+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-gain-portability-form","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526/document/22675"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.indusindinsurance.com/about-us/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"IndusInd HealthGain Policy (UIN INIHLIP26040V042526), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-healthgain-policy-inihlip26040v042526"}