{"uin":"IRDAN103RP0001V01202324","name":"IndusInd Health Global Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Health Global is a health indemnity policy with Global Cover for treatment outside India and optional India Cover. It has Elite, Elite+, Royal and Royal+ global plans, optional Basic and Comprehensive India plans, and a 20% co-payment when the insured first enters at age 61 years or above.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:48:16.696256+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":["Elite","Elite+","Royal","Royal+","Basic","Comprehensive"],"display":"Elite, Elite+, Royal, Royal+; India Cover optional: Basic, Comprehensive","note":"Elite, Elite+, Royal and Royal+ are Global Cover plans. Basic and Comprehensive are for optional India Cover.","quote":"Plans | Elite | Elite+ | Royal | Royal+ ... India – Basic | India -\nComprehensive","sources":[{"clause":"Annexure I","heading":"COVERAGE SUMMARY","page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-annexure-i"},{"clause":"6.5","heading":null,"page":47,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-5-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be purchased for 1 year, 2 years or 3 years.","display":"1 year, 2 years or 3 years","note":"From the prospectus; the policy wording points to the Policy Schedule for the Policy Period.","quote":"The Policy can be purchased for 1 year, 2 years or 3 years.","sources":[{"clause":"Section 1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9669#c-section-1-i"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The Policyholder or Insured Person must notify the Company or Empaneled Service Provider immediately. For India cashless claims, pre-authorisation is required at least 48 hours before planned hospitalisation and within 24 hours of hospitalisation in an emergency.","display":"Immediately; India cashless pre-authorisation 48 hours before planned hospitalisation or within 24 hours in emergency","note":"Global reimbursement documents must be provided immediately but not later than 30 days of discharge; India reimbursement documents immediately but not later than 15 days of discharge, with modified timelines for domiciliary, post-hospitalisation and home care claims.","quote":"the Policyholder/ Insured Person, must notify the Company or Empaneled Service Provider immediately. ... Prior to Hospitalisation, the Policyholder/ Insured Person must call the call center of the TPA/Company and request authorisation by way of submission of a completed Pre-authorisation form at least 48 hours before a planned Hospitalisation and in case of an Emergency situation, within 24 hours of Hospitalisation.","sources":[{"clause":"6.2","heading":"Claims Intimation","page":38,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-2"},{"clause":"6.4(a)","heading":"Pre-authorisation","page":40,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-4-a"}],"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":"quote-verified","value":["Duly completed and signed Claim Form, in original","Photo ID & Age Proof","Medical Practitioner’s referral letter advising Hospitalisation","Medical Practitioner’s prescription advising drugs / diagnostic tests/ consultation","Original bills, receipts and discharge card from the Hospital/ Medical Practitioner","Original bills from pharmacy / chemists","Original pathological / diagnostic test reports and payment receipts","Indoor case papers","Ambulance receipt and bill","First Information Report/ Final Police Report, if applicable","Post mortem report, if available","Health Check up bills and Receipts"],"display":"Claim form, ID/age proof, medical referral or prescription, original hospital/pharmacy bills and discharge card, diagnostic reports, indoor case papers, ambulance bill, FIR/final police report if applicable, post-mortem report if available, health check-up bills","note":"Global claims additionally require documents such as certificate that the Insured is fit to travel, implant invoices, previous consultation papers, death summary/death certificate in death claims, travel proof, visa copy, hotel bills and translator service bills where applicable.","quote":"i. Duly completed and signed Claim Form, in original ii. Medical Practitioner’s referral letter advising Hospitalisation iii. Medical Practitioner’s prescription advising drugs / diagnostic tests/ consultation iv. Original bills, receipts and discharge card from the Hospital/ Medical Practitioner v. Original bills from pharmacy / chemists vi. Original pathological / diagnostic test reports and payment receipts vii. Indoor case papers viii. Ambulance receipt and bill ix. First Information Report/ Final Police Report, if applicable x. Post mortem report, if available xi. Health Check up bills and Receipts ... iii. Photo ID & Age Proof.","sources":[{"clause":"6.9","heading":"Claim Documents (Applicable to India Cover)","page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-9"},{"clause":"6.8","heading":"Claim Documents (Applicable to Global Cover)","page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-8"}],"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 Disease waiting period: 36 months","Specific waiting period: 24/36 months for listed conditions, surgeries/treatments","Global Cover initial 90 days waiting period for illness","India Cover initial 30 days waiting period for illness","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/ Weight Control","Change-of-Gender treatments","Cosmetic or Plastic Surgery","Hazardous or Adventure sports","Breach of law","Substance Abuse and Alcohol","Wellness and Rejuvenation","Maternity Expenses","Outpatient Treatment except OPD Cover","Treatment received in India under Global Cover and treatment received outside India under India Cover"],"display":"PED 36 months; specific waiting periods; initial 90 days for Global and 30 days for India; investigation and evaluation; rest cure; obesity; gender change; cosmetic surgery; hazardous sports; breach of law; substance abuse; wellness; maternity; outpatient treatment except OPD; treatment outside the applicable territory","note":"This is a selected list of main exclusions and waiting-period exclusions from the policy wording.","quote":"Expenses related to the treatment of a Pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24/36 months ... Expenses related to the treatment of any Illness within 90 days ... Expenses related to the treatment of any Illness within 30 days ... Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Treatments received in heath hydros, nature cure clinics, spas or similar establishments ... Medical treatment expenses traceable to childbirth ... Treatment which has been done on an outpatient basis except to the extent covered under 3.2.12 OPD Cover ... Treatment received in India. ... Treatment received outside India.","sources":[{"clause":"4.1.1","heading":"Pre-Existing Disease Waiting Period (Code:Excl01)","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-1"},{"clause":"4.1.2(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-2-i"},{"clause":"4.3.1","heading":"Initial 90 days Waiting Period","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-3-1"},{"clause":"4.4.1","heading":"Initial 30 days Waiting Period","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-4-1"},{"clause":"4.1.3","heading":"Investigation & Evaluation (Code: Excl04)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-3"},{"clause":"4.1.4","heading":"Rest Cure, rehabilitation and respite care (Code: Excl05)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-4"},{"clause":"4.1.5","heading":"Obesity/ Weight Control (Code: Excl06)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-5"},{"clause":"4.1.6","heading":"Change-of-Gender treatments (Code: Excl 07)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-6"},{"clause":"4.1.7","heading":"Cosmetic or Plastic Surgery (Code: Excl 08)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-7"},{"clause":"4.1.8","heading":"Hazardous or Adventure sports (Code: Excl 09)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-8"},{"clause":"4.1.9","heading":"Breach of law (Code: Excl 10)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-9"},{"clause":"4.1.10","heading":"Excluded Providers (Code: Excl 11)","page":30,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-10"},{"clause":"4.1.12","heading":"Wellness and Rejuvenation (Code: Excl13)","page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-12"},{"clause":"4.1.17(i)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-17-i"},{"clause":"4.2.9","heading":"Outpatient Treatment","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-2-9"},{"clause":"4.3.6","heading":"Treatment taken in India","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-3-6"},{"clause":"4.4.4","heading":"Treatment taken Abroad","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-4-4"}],"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":"First contact the Company through its website, senior citizen helpline, e-mail, fax, courier, correspondence address or a branch grievance cell. If not satisfied, contact the Grievance Redressal Officer at the Grievance Cell, IndusInd General Insurance Co. Limited, Madhapur Hyderabad, or email headgrievances@indusindinsurance.com before approaching the Insurance Ombudsman.","display":"Company service channels or branch grievance cell first; then Grievance Redressal Officer at headgrievances@indusindinsurance.com","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) E-mail: services@indusindinsurance.com Fax:+91 22 3303 4662 Courier: Any branch office ... 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:\nGrievance Redressal Officer The Grievance Cell, IndusInd General Insurance Co. Limited No. 1-89/3/B/40 to 42/ks/301, 3rd floor, Krishe Block, Krishe Sapphire, Madhapur Hyderabad – 500 081. Grievance Redressal officer email ID: headgrievances@indusindinsurance.com","sources":[{"clause":"5.1.15","heading":"Redressal of Grievances","page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-5-1-15"}],"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":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Medically Necessary In-Patient Treatment outside India for covered Illness or injury","Pre and Post-Operative Day Care Treatment","Pre-Hospitalisation and Post-Hospitalisation","Rehabilitation","Travel Expenses","Accommodation Expenses","Repatriation of Mortal Remains","Second Opinion","Visa Charges and Documentation","Assistance Services","India Cover optional: Hospitalisation Expenses, Day Care Treatment, Ambulance, Domiciliary Hospitalisation, Modern Treatment, Organ Donor Expenses, Home Care Treatment, Medical Equipment, OPD Cover and Health Check Up"],"display":"Global planned in-patient treatment outside India and related travel, accommodation and assistance; optional India hospitalisation, day care, ambulance, domiciliary, modern treatment, organ donor, home care, medical equipment, OPD and health check-up covers","note":"Global Cover is for planned and scheduled treatment outside India. India Cover is optional.","quote":"If any of the Insured Person is diagnosed or suffers from an Illness or injury that requires Medically Necessary In-Patient Treatment, outside India during the Policy Period, then the Company shall indemnify the Insured Person ... Benefit no. | Cover Name | Limits | Elite\nElite+ | Royal | Royal+\n3.1.1 | In-Patient Treatment Including ambulance and organ donor expenses | Up to the S.I ... 3.1.11 | Assistance Services • Translation services • Transmission of urgent messages • Lost Passport Assistance • Consular Referral • Arrangement of Radio Taxi or Chauffer services • Emergency cash assistance | No Limit ... 3.2.1 | In-Patient Treatment (incl. Consumables) | Up to SI, Actuals (Any Room category) ... 3.2.13 | OPD for • Generalist consultation, specialist consultation, prescribed diagnostic test and pharmacy • Physiotherapy Benefit • Dental Cover | INR 50000","sources":[{"clause":"3.1","heading":"Global Cover (Applicable outside India)","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1"},{"clause":"Annexure I","heading":"COVERAGE SUMMARY","page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-annexure-i"},{"clause":"6.5","heading":null,"page":47,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-5-2"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Global Cover applies to Medically Necessary In-Patient Treatment outside India. Optional India Cover covers medical treatment taken within India, with payments in Indian rupees within India.","display":"Global Cover outside India; optional India Cover within India","note":"Global Cover excludes treatment received in India; India Cover excludes treatment received outside India.","quote":"Medically Necessary In-Patient Treatment, outside India during the Policy Period ... This Policy covers medical treatment taken within India, and payments under this Policy shall be made in Indian Rupees within India.","sources":[{"clause":"3.1","heading":"Global Cover (Applicable outside India)","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1"},{"clause":"6.12","heading":"Payment Terms (Applicable to India Cover)","page":45,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-12"}],"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 Rent is included under Global In-Patient Treatment up to the Global Sum Insured. Under optional India Cover, In-Patient Treatment is up to the Sum Insured on actuals with any room category.","display":"Global: Room Rent included up to Sum Insured; India optional: up to SI, actuals, any room category","note":"India Cover is optional.","quote":"The Medical Expenses as mentioned above shall mean the Reasonable and Customary Charges which include the following:\nii. Room Rent ... 3.2.1 | In-Patient Treatment (incl. Consumables) | Up to SI, Actuals (Any Room category)","sources":[{"clause":"3.1.1","heading":"IN-PATIENT TREATMENT","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-1"},{"clause":"6.5","heading":null,"page":47,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-5-2"}],"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":"Optional India Cover allows any room category for In-Patient Treatment and Day Care Treatment. The Global Cover wording does not state a room category limit.","display":"India optional: Any Room category","note":"The quoted room category applies to optional India Cover.","quote":"3.2.1 | In-Patient Treatment (incl. Consumables) | Up to SI, Actuals (Any Room category) ... 3.2.2 | Day Care Treatment (incl. Consumables) | Within S.I, Actuals (Any Room category)","sources":[{"clause":"6.5","heading":null,"page":47,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-5-2"}],"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 inpatient medical expenses. No separate ICU per-day rupee cap is stated in the policy wording for the cited inpatient cover.","display":"ICU charges included; no separate ICU cap stated","note":"India Cover similarly lists Intensive care Unit (ICU) charges under Hospitalisation Expenses.","quote":"The Medical Expenses as mentioned above shall mean the Reasonable and Customary Charges which include the following:\nii. Room Rent\niii. Nursing expense\niv. Intensive care Unit (ICU) charges, ... In-Patient Treatment Including ambulance and organ donor expenses | Up to the S.I","sources":[{"clause":"3.1.1","heading":"IN-PATIENT TREATMENT","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-1"},{"clause":"Annexure I","heading":"COVERAGE SUMMARY","page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-annexure-i"}],"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 than eligible, or a room with rent above the applicable sub-limit, the 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, for higher room category or room rent above sub-limit; not for pharmacy/consumables, implants/medical devices, diagnostics, and ICU charges","note":"The table excludes Cost of Pharmacy and Consumables, Cost of Implants and Medical Devices, and Cost of Diagnostics from proportionate deduction.","quote":"The Insured Person chooses a higher room category than the category that is eligible as per the terms and conditions of the Policy. ... The Insured Person chooses a room category in which the room rent charges are more than the applicable Sum Insured sub-limit ... Apart from the Associate Medical Expenses, no other expenses will be proportionately reduced ... ICU charges shall not be proportionately reduced in all cases.","sources":[{"clause":"6.10(i)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-10-i"},{"clause":"6.10(ii)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-10-ii"},{"clause":"6.10(c)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-10-c"}],"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":"quote-verified","value":"A 20% co-payment applies on the Assessed Claim Amount if, at inception of the first policy with the Company, the Insured Person or the eldest insured in a family floater is 61 years and above. Optional waiver of co-payment and voluntary co-payment options may apply if chosen.","display":"20% on Assessed Claim Amount if first entry age is 61 years and above","note":"The 20% co-payment applies to Global and India Cover, but not to Assistance Services. Dental Cover has its own mandatory 20% co-payment.","quote":"The Policyholder/Insured Person shall bear a Co-Payment of 20% on the Assessed Claim Amount, if at the time of inception of the first Policy with the Company, the age of the Insured Person (or eldest Insured Person in case of Family Floater Policy is 61 years and above. ... Under this option, the Company shall waive off the Co-Payment condition mentioned in Clause-6.13 Co-Payment. ... Under this option, the Company shall provide a discount in the premium, if the Policyholder opts a Co-payment under the Policy.","sources":[{"clause":"6.13","heading":"Co-Payment","page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-13"},{"clause":"3.3.1","heading":"Waiver of Co-Payment","page":27,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-3-1"},{"clause":"3.3.2","heading":"Voluntary Co-Payment","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-3-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"quote-verified","value":["Gene Therapy: For Global Cover, 50% of Global Sum Insured or USD 5 lakhs, whichever is lower, with a lifetime limit of 100% of Global Sum Insured","Gene Therapy: For India Cover, 50% of India Base Sum Insured with a lifetime limit of 100% of India Base Sum Insured"],"display":"Gene Therapy: Global 50% of Global SI or USD 5 lakhs, whichever is lower, lifetime 100% of Global SI; India 50% of India Base SI, lifetime 100% of India Base SI","note":"The coverage summary states None for the other listed specified illness/treatment sub-limits.","quote":"The coverage under Gene Therapy shall be limited to\n• For Global Cover: 50% of Global Sum Insured or USD 5 lakhs (whichever is lower), with a Lifetime limit of 100% of Global Sum Insured.\n• For India Cover: 50% of India Base Sum Insured with a Lifetime limit of 100% of India Base Sum Insured.","sources":[{"clause":"Row 1(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-row-1-c"}],"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":15},"display":"Global Cover: up to 15 days; India Cover optional: 90 days","note":"The value uses the Global Cover period. Optional India Cover provides 90 days.","quote":"Pre-Hospitalisation Medical Expenses for consultations, investigations and prescription medicines incurred from the date of arrival in the City of Treatment upto 15 days or to the date of start of pre-approved In-Patient Treatment whichever is earlier. ... Medical Expenses incurred in the 90 days immediately before the Insured Person was Hospitalised","sources":[{"clause":"3.1.3","heading":"PRE-HOSPITALISATION","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-3"},{"clause":"3.2.6","heading":"PRE-HOSPITALISATION","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-6"}],"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":30},"display":"Global Cover: up to 30 days; India Cover optional: 180 days","note":"The value uses the Global Cover period. Optional India Cover provides 180 days.","quote":"Post-Hospitalisation Medical Expenses for consultations, investigations and prescription medicines incurred up to 30 days immediately after the Insured Person was discharged from Hospital after taking the In-Patient Treatment ... Medical Expenses incurred in the 180 days (as specified in the Policy Schedule) immediately after the Insured Person was discharged post Hospitalisation","sources":[{"clause":"3.1.4","heading":"POST- HOSPITALISATION","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-4"},{"clause":"3.2.7","heading":"POST-HOSPITALISATION","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-7"}],"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":"Global Cover pays pre or post-operative day care treatment in connection with the in-patient treatment approved by the Company. Optional India Cover pays day care treatment as defined under the policy on the written advice of a Medical Practitioner.","display":"Global: pre/post-operative day care linked to approved inpatient treatment; India optional: day care treatment as defined","note":"India Cover is optional.","quote":"The Company shall indemnify the Insured Person for the Medical Expenses incurred during the Policy Year, if the Insured Person undergoes a pre or post-Operative Day Care Treatment in connection with the In-Patient Treatment approved by the Company. ... 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.","sources":[{"clause":"3.1.2","heading":"PRE AND POST-OPERATIVE DAY CARE TREATMENT","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-2"},{"clause":"3.2.1.2","heading":"DAY CARE TREATMENT","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-1-2"}],"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":"Optional India Cover pays domiciliary hospitalisation up to the amount specified in the Policy Schedule if the condition requiring treatment continues for at least three continuous and completed days. Certain diseases such as asthma, bronchitis, diabetes, hypertension and psychiatric or psychosomatic disorders are excluded from this benefit.","display":"India Cover optional: domiciliary hospitalisation within Schedule limit, if treatment continues at least three completed days","note":"Applies to optional India Cover.","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 Hospitalisation during the Policy Year, provided that the condition for which the medical treatment is required continues for at least three continuous and completed days ... The Company shall not be liable for payment of any Claim under this Benefit in relation to treatment of any of the following diseases:","sources":[{"clause":"3.2.4","heading":"DOMICILIARY HOSPITALISATION","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-4"}],"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":"Optional India Cover includes Hospitalisation under AYUSH Treatment as part of Hospitalisation Expenses, subject to the policy limits, terms, conditions and exclusions.","display":"India Cover optional: AYUSH hospitalisation covered","note":"The AYUSH wording is marked applicable to India.","quote":"If any of the Insured Person is diagnosed with any Illness or suffers any Injury that requires Hospitalisation, (including Hospitalisation under AYUSH Treatment), during the Policy Period, then the Company shall pay Medical Expenses incurred by the Policyholder/Insured Person, subject to the limits, terms, conditions and exclusions mentioned under this Policy.","sources":[{"clause":"3.2.1","heading":"HOSPITALISATION EXPENSES","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-1"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Global In-Patient Treatment includes services to a living donor during removal of an organ to be transplanted to the insured. Optional India Cover pays medical expenses incurred during in-patient treatment for the donor of an organ transplant surgery conducted on the insured, but not the donor’s pre- and post-hospitalisation expenses.","display":"Covered for donor in-patient/removal expenses; India optional excludes donor pre- and post-hospitalisation","note":null,"quote":"For services provided to a living donor during the process of removal of an organ to be transplanted to the Insured ... Hospital services provided to the donor ... For Surgery and medical services for the removal of a donor’s organ or tissue to be transplanted to the Insured. ... Medical Expenses incurred, during In Patient Treatment, in respect of donor of any organ transplant surgery conducted on the Insured Person ... The Company shall not pay the donor’s Pre and Post Hospitalisation Expenses","sources":[{"clause":"3.1.1","heading":"IN-PATIENT TREATMENT","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-1"},{"clause":"3.1.1(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-1-b"},{"clause":"3.1.1(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-1-c"},{"clause":"3.2.8","heading":"ORGAN DONOR EXPENSES","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-8"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Global In-Patient Treatment includes transfer and transportation by road or air ambulances where prescribed and pre-approved. Optional India Cover includes domestic road ambulance and air ambulance within the Sum Insured, subject to the policy conditions.","display":"Global: road or air ambulance if prescribed and pre-approved; India optional: domestic road ambulance and air ambulance within SI","note":"India air ambulance origin and destination must be within India and the air ambulance must be duly licensed.","quote":"Transfer and Transportation by Road or Air Ambulances where their use is indicated and prescribed by the Medical Practitioner and pre-approved by the Company or Company’s Empaneled Service Provider. ... 3.2.3 | Domestic Road Ambulance | Within S.I ... 3.2.4 | Air Ambulance | Within S.I","sources":[{"clause":"3.1.1","heading":"IN-PATIENT TREATMENT","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-1"},{"clause":"6.5","heading":null,"page":47,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-5-2"}],"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":"Under optional India Cover, the Company reinstates the India Base Sum Insured unlimited times during the Policy Year after occurrence and payment of a claim, for subsequent related or unrelated illness or injury. The reinstated sum insured is available only after India Base Sum Insured, Inflation Protection and No Claim Bonus are exhausted and is not carried forward.","display":"India Cover optional: unlimited reinstatement of India Base Sum Insured for related or unrelated subsequent claims","note":"Not applicable for unlimited India Base Sum Insured as per the coverage summary.","quote":"The Company shall reinstate the India Base Sum Insured unlimited times, during the Policy Year, after occurrence and payment of claim amount under the Policy ... Unlimited utilisation for subsequent claims for unrelated illness or injury. ... Unlimited utilisation for subsequent claim which has arisen out or is a consequence of or its related to or is a complication of an illness/injury for which a claim has already been admitted under the current or any previous Policy","sources":[{"clause":"3.2.15(xiii)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-15-xiii"},{"clause":"3.2.15(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-15-a"},{"clause":"3.2.15(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-15-b"}],"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":"Under optional India Cover, No Claim Bonus is 25% of the India Base Sum Insured at the end of each completed and continuous claim-free Policy Year, subject to a maximum of 100% of India Base Sum Insured. If a claim is made, the No Claim Bonus decreases by 25% of India Base Sum Insured in the subsequent year, without reducing the India Base Sum Insured.","display":"India Cover optional: +25% per claim-free year, max 100%; -25% after a claim year","note":"Applies to optional India Cover and is not applicable for unlimited India Base Sum Insured as per the coverage summary.","quote":"The Company shall provide 25% of the India Base Sum Insured as No Claim Bonus at the end of each completed and continuous Policy Year, provided that no Claim has been made in the expiring Policy Year. ... the accrued No Claim Bonus, including the one credited under Portability if any, shall not exceed 100% ... In case of a claim in any given Policy Year the No Claim Bonus shall be decreased by 25% of the India Base Sum Insured in the subsequent year. However, the reduction in No Claim Bonus shall not reduce the India Base Sum Insured.","sources":[{"clause":"3.2.15","heading":"No Claim Bonus","page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-15"},{"clause":"3.2.15(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-15-i"},{"clause":"3.2.15(x)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-15-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":"Global In-Patient Treatment includes medicines, drugs and consumables expenses. Optional India Cover includes consumable items listed in Annexure A-List I, if prescribed by the treating Medical Practitioner and medically necessary for the same condition for which in-patient or day care treatment was taken.","display":"Covered: Global medicines, drugs and consumables; India optional Annexure A-List I consumables if prescribed and medically necessary","note":null,"quote":"Medicines, drugs and Consumables expenses ... All consumable items, which are listed in Annexure A-List I, prescribed by the treating Medical Practitioner and are medically necessary for the treatment of the same condition for which Insured Person has taken In-Patient or Daycare Treatment.","sources":[{"clause":"3.1.1","heading":"IN-PATIENT TREATMENT","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-1-1"},{"clause":"3.2.1","heading":"HOSPITALISATION EXPENSES","page":18,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-1"}],"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: childbirth expenses including complicated deliveries and caesarean sections are excluded except ectopic pregnancy, and miscarriage unless due to accident and lawful medical termination of pregnancy during the Policy Period are excluded.","display":"Excluded, except ectopic pregnancy; miscarriage unless due to accident is excluded","note":null,"quote":"Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalisation) except ectopic pregnancy; ii . Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the Policy Period.","sources":[{"clause":"4.1.17(i)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-4-1-17-i"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"The policy does not state cover from birth. Mid-term addition is allowed for a newborn baby covered from 90 days.","display":"Newborn baby covered from 90 days","note":"No separate newborn-from-birth benefit is stated.","quote":"a) Newborn baby covered from 90 days","sources":[{"clause":"5.2.7(a)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-5-2-7-a"}],"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":"Under optional India Cover, at the end of every two Policy Years the Company provides expenses for listed diagnostic or preventive medical tests, limited to Rs 10000 in a given Policy Year. The coverage summary says this is every 2 years, starting at the beginning of year 2.","display":"India Cover optional: up to Rs 10000 every 2 years, starting at the beginning of year 2","note":"Applies to optional India Cover.","quote":"At the end of every two Policy Years, the Company shall provide expenses for the listed diagnostic or preventive medical tests with respect to the Insured Persons as per the plan opted in the Policy. ... The total amount payable towards medical tests in a given Policy Year shall be limited to Rs 10000. ... Health Check-Up | Up to INR 10000, every 2 years, starting at the beginning of year 2.","sources":[{"clause":"3.2.13","heading":"Health Check Up","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-13"},{"clause":"3.2.13(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-13-i"},{"clause":"5.2.13","heading":null,"page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9669#c-5-2-13"}],"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":"Under optional India Cover, OPD Cover pays outpatient consultations, diagnostic tests and prescription drugs up to the selected OPD limit, and also includes physiotherapy and dental cover subject to conditions. The coverage summary states an OPD limit of INR 50000.","display":"India Cover optional: OPD consultations, diagnostic tests, prescription drugs, physiotherapy and dental cover up to INR 50000","note":"The OPD benefit is available only on cashless basis and arranged with the Company's empaneled service providers/network provider.","quote":"The Company will cover Reasonable and Customary charges incurred by the Insured Person as per the plan opted for the following up to the limits specified in the Coverage Summary/ Policy Schedule, during the Policy Year.\n• OPD consultations ... • Diagnostic Tests ... • Prescription drugs expenses ... OPD for | INR 50000\n• Generalist consultation, specialist consultation, prescribed diagnostic test and pharmacy\n• Physiotherapy Benefit\n• Dental Cover","sources":[{"clause":"3.2.12","heading":"OPD COVER","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-3-2-12"},{"clause":"5.2.12","heading":null,"page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9669#c-5-2-12"}],"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":"Global cashless facility is available only at a Network Hospital or Empaneled Services Provider, and the entire Global claim procedure is on cashless basis for planned treatment outside India. For optional India Cover, cashless facility is available only at a Network Hospital and for Hospitalisation Expenses and Modern Treatment unless specified otherwise.","display":"Yes: Global at Network Hospital/Empaneled Services Provider; India optional at Network Hospital","note":"India cashless can be denied for insufficient sum insured or insufficient information, in which case reimbursement may be considered under policy terms.","quote":"Cashless facility is available only at a Network Hospital/ Empaneled Services Provider ... The entire claim procedure is on Cashless basis as this Policy is meant to cover Planned Treatment outside India and does not cover emergencies occurring while the Insured is overseas. ... Cashless facility is available only at a Network Hospital and shall be available for Benefits-3.2.1 (Hospitalisation Expenses) and 3.2.5 (Modern Treatment), unless specified otherwise.","sources":[{"clause":"6.3(i)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-3-i"},{"clause":"6.3(d)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-3-d"},{"clause":"6.4(i)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-4-i"}],"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 Company, TPA, Empaneled Service Provider and Network Hospital as applicable. The policy refers to submissions to the Empaneled Service Provider/TPA/Company/Network Hospital for Global Cover and TPA/Company/Network Hospital for India Cover.","display":"Company, TPA, Empaneled Service Provider and Network Hospital, as applicable","note":null,"quote":"The Policyholder / Insured Person shall submit to the Empaneled Service Provider /TPA/Company/ Network Hospital (as applicable) the following documents for or in support of the Claim: ... 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":"6.8","heading":"Claim Documents (Applicable to Global Cover)","page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-8"},{"clause":"6.9","heading":"Claim Documents (Applicable to India Cover)","page":42,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-6-9"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Individual Basis and Floater Basis","note":"Floater option is not available where Unlimited India Base Sum Insured is opted.","quote":"Coverage Basis | Individual Basis and Floater Basis ... Coverage Basis | Individual Basis and Floater Basis","sources":[{"clause":"Annexure I","heading":"COVERAGE SUMMARY","page":46,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667#c-annexure-i"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Health Global Policy (IRDAN103RP0001V01202324 effective from 2023)","pages":55,"fetched_at":"2026-10-17 19:45:58+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-global-health-pw","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9667"},{"kind":"prospectus","label":"IndusInd Health Global Policy (IRDAN103RP0001V01202324 effective from 2023)","pages":27,"fetched_at":"2026-10-17 19:46:09+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-global-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9669"},{"kind":"cis","label":"IndusInd Health Global Policy (IRDAN103RP0001V01202324 effective from 2023)","pages":8,"fetched_at":"2026-10-17 19:45:49+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-global-health-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9660"},{"kind":"brochure","label":"IndusInd Health Global Policy (IRDAN103RP0001V01202324 effective from 2023)","pages":12,"fetched_at":"2026-10-17 19:40:16+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-global-brochure","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/9588"},{"kind":"proposal","label":"IndusInd Health Global Policy (IRDAN103RP0001V01202324 effective from 2023) PF","pages":null,"fetched_at":"2026-10-17 19:46:33+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-global-health-proposal-form","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/22676"},{"kind":"proposal","label":"IndusInd Health Global Policy (IRDAN103RP0001V01202324 effective from 2023)","pages":null,"fetched_at":"2026-10-17 19:46:38+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-global-health-annexure-e-portability-form","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324/document/22677"}],"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 Health Global Policy (UIN IRDAN103RP0001V01202324), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-global-policy-irdan103rp0001v01202324"}