{"uin":"RELHLIP23120V042223","name":"IndusInd Health Infinity Policy","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223","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 Health Infinity Insurance is an indemnity health policy with sum insured options from 3 lakhs to 500 lakhs and policy terms of 1 year, 2 years or 3 years. It covers inpatient, day care, domiciliary, AYUSH, organ donor, ambulance, 90 days pre-hospitalisation, 180 days post-hospitalisation and one 100% restore benefit, with optional add-ons.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:50:11.874428+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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"quote-verified","value":"The company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is warranted, it shall complete the investigation within 30 days and settle or reject the claim within 45 days from receipt of the last necessary document, with interest for delay.","display":"30 days from last necessary document; 45 days if investigation is required","note":"Delay attracts interest at a rate 2% above the Bank Rate.","quote":"The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. Insuchcases,the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"5.1.3(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-3-i"},{"clause":"5.1.3(iii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-3-iii"}],"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 (Code: Excl01)","Specific waiting period (Code: Excl02)","30-Day Waiting Period (Code: Excl03)","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)","Substance Abuse and Alcohol (Code:Excl12)","Dietary Supplements & Substances (Code:Excl14)","Unproven Treatments-Code (Code:Excl16)","Sterility and Infertility (Code:Excl17)","Maternity (Code:Excl18)","Treatment availed outside India except in case of where the Benefit 3.2.3 “MoreGlobal” is in force"],"display":"Main exclusions include PED, specific illness and 30-day waiting periods, investigation/evaluation, rest cure, obesity surgery outside conditions, gender change, cosmetic surgery, hazardous sports, substance abuse, dietary supplements, unproven treatments, infertility, maternity and overseas treatment unless MoreGlobal applies.","note":null,"quote":"4.1.1 Pre-Existing Disease Waiting Period (Code: Excl01) ... 4.1.2 Specific waiting period (Code: Excl02) ... 4.1.3 30-Day Waiting Period (Code: Excl03) ... 4.1.4 Investigation & Evaluation (Code: Excl04) ... 4.1.5 Rest Cure, rehabilitation and respite care (Code: Excl05) ... 4.1.6 Obesity/ Weight Control (Code: Excl06) ... 4.1.7 Change-of-Gender treatments (Code: Excl 07) ... 4.1.8 Cosmetic or Plastic Surgery (Code: Excl 08) ... 4.1.9 Hazardous or Adventure sports (Code: Excl 09) ... 4.1.12.Substance Abuse and Alcohol (Code:Excl12): ... 4.1.14.Dietary Supplements & Substances (Code:Excl14): ... 4.1.16.Unproven Treatments-Code (Code:Excl16): ... 4.1.17.Sterility and Infertility (Code:Excl17): ... 4.1.18.Maternity (Code:Excl18) ... Treatment availed outside India except in case of where the Benefit 3.2.3 “MoreGlobal” is in force","sources":[{"clause":"4.1.1","heading":"Pre-Existing Disease Waiting Period (Code: Excl01)","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-1"},{"clause":"4.1.2","heading":"Specific waiting period (Code: Excl02)","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-2"},{"clause":"4.1.3","heading":"30-Day Waiting Period (Code: Excl03)","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-3"},{"clause":"4.1.4","heading":"Investigation & Evaluation (Code: Excl04)","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-4"},{"clause":"4.1.5","heading":"Rest Cure, rehabilitation and respite care (Code: Excl05)","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-5"},{"clause":"4.1.6","heading":"Obesity/ Weight Control (Code: Excl06)","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-6"},{"clause":"4.1.7","heading":"Change-of-Gender treatments (Code: Excl 07)","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-7"},{"clause":"4.1.8","heading":"Cosmetic or Plastic Surgery (Code: Excl 08)","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-8"},{"clause":"4.1.9","heading":"Hazardous or Adventure sports (Code: Excl 09)","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-9"},{"clause":null,"heading":"4.1.18.Maternity (Code:Excl18)","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-18-maternity-code-excl18"},{"clause":null,"heading":"4.2.15. Overseas Treatment","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-2-15-overseas-treatment"}],"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, phone, email, fax, courier or branch office. If not satisfied, contact the Grievance Redressal Officer at headgrievances@indusindinsurance.com before approaching the Insurance Ombudsman or IRDAI IGMS.","display":"Company service channels, then Grievance Redressal Officer, then Ombudsman/IRDAI IGMS","note":null,"quote":"Insured Person may also approach the grievance cell at any of the Our branches with the details of grievance. If the Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured may contact the grievance officer at: ... Grievance Redressal officer email ID: headgrievances@indusindinsurance.com ... If Insured is not satisfied with the redressal of grievance through above methods, Insured Person may also approach the office of Insurance Ombudsman","sources":[{"clause":null,"heading":"5.1.17.Redressal of Grievance","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-17-redressal-of-grievance"}],"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":"Sum insured options are 3 lakhs, 5 lakhs, 10 lakhs, 15 lakhs, 25 lakhs, 50 lakhs, 100 lakhs, 200 lakhs, 300 lakhs, 400 lakhs and 500 lakhs.","display":"3lakhs / 5lakhs / 10lakhs / 15lakhs / 25lakhs / 50lakhs / 100lakhs / 200lakhs / 300 lakhs / 400 lakhs / 500lakhs","note":null,"quote":"Sum Insured (in lakhs) | 3lakhs / 5lakhs / 10lakhs / 15lakhs / 25lakhs / 50lakhs / 100lakhs / 200lakhs / 300 lakhs / 400 lakhs / 500lakhs","sources":[{"clause":"Annexure I","heading":"Coverage Summary Sum Insured mentioned below for","page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#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 to accident claims if covered; does not apply after 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","sources":[{"clause":"4.1.3","heading":"30-Day Waiting Period (Code: Excl03)","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#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 Change in Pre-Existing Waiting Period may change it to 24 months or 12 months if expressly mentioned in the Schedule.","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 of continuous coverage after the date of inception of the first Policy with us","sources":[{"clause":"4.1.1","heading":"Pre-Existing Disease Waiting Period (Code: Excl01)","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#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":"Optional Reduction in Specific Illness Waiting Period may reduce it to 12 months if expressly mentioned in the Schedule.","quote":"Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with the Company.","sources":[{"clause":"4.1.2(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#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 sums 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":"5.1.7","heading":"Moratorium Period","page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-7"}],"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":"conflicting","value":"The policyholder can port the entire policy with all family members to another insurer and receive accrued continuity benefits in waiting periods, if continuously covered without lapses, by applying within the stated window before renewal.","display":"Portability allowed with waiting-period continuity credit","note":"Policy wording says apply at least 30 days before renewal and not earlier than 60 days; prospectus says at least 45 days before and not earlier than 60 days.","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 ... the proposed Insured Person will get the accrued continuity benefits in Waiting Periods as per lRDAl guidelines onportability. ... at least 45 days before, but not earlier than 60 days from the Policy renewal date","sources":[{"clause":"5.1.13","heading":"Portability","page":27,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-13"},{"clause":"Section 16","heading":"PORTABILITY","page":19,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9672#c-section-16"}],"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 renewal based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.1.8","heading":"Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-8"}],"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":"quote-verified","value":["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:Excl11)","Substance Abuse and Alcohol (Code:Excl12)","Wellness and Rejuvenation(Code:Excl13)","Dietary Supplements & Substances (Code:Excl14)","Refractive Error (Code:Excl15)","Unproven Treatments-Code (Code:Excl16)","Sterility and Infertility (Code:Excl17)","Maternity (Code:Excl18)","Alternative Treatment or any other non-allopathic treatment, except to the extent covered","Circumcision","Dental Treatments of any kind","External Congenital Anomaly and genetic disorders","Treatment availed outside India except MoreGlobal","War (whether declared or not)"],"display":"Permanent exclusions include Excl04 to Excl18 and the policy’s specific exclusions such as alternative treatment except AYUSH, circumcision, dental treatment except covered cases, external congenital anomaly, overseas treatment except MoreGlobal and war.","note":"The policy may also apply permanent exclusions to listed pre-existing medical or physical conditions if accepted by the proposer and specifically mentioned in the Policy Schedule.","quote":"4.1.4 Investigation & Evaluation (Code: Excl04) ... 4.1.5 Rest Cure, rehabilitation and respite care (Code: Excl05) ... 4.1.6 Obesity/ Weight Control (Code: Excl06) ... 4.1.7 Change-of-Gender treatments (Code: Excl 07) ... 4.1.8 Cosmetic or Plastic Surgery (Code: Excl 08) ... 4.1.9 Hazardous or Adventure sports (Code: Excl 09) ... 4.1.10.Breach of law (Code: Excl 10): ... 4.1.11.Excluded Providers (Code:Excl11): ... 4.1.12.Substance Abuse and Alcohol (Code:Excl12): ... 4.1.13.Wellness and Rejuvenation(Code:Excl13): ... 4.1.14.Dietary Supplements & Substances (Code:Excl14): ... 4.1.15.Refractive Error (Code:Excl15): ... 4.1.16.Unproven Treatments-Code (Code:Excl16): ... 4.1.17.Sterility and Infertility (Code:Excl17): ... 4.1.18.Maternity (Code:Excl18) ... Alternative Treatment or any other non-allopathic treatment, except to the extent covered ... Circumcision (unless necessitated by Illness or Injury and forming part of medical treatment). ... Dental Treatments of any kind, unless requiring Hospitalisation necessitated due to illness or injury or except to the extent covered under Benefit-3.4.5 OPD Cover ... External Congenital Anomaly and genetic disorders. ... Treatment availed outside India except in case of where the Benefit 3.2.3 “MoreGlobal” is in force ... War (whether declared or not) and war like occurrence","sources":[{"clause":"4.1.4","heading":"Investigation & Evaluation (Code: Excl04)","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-4"},{"clause":"4.1.5","heading":"Rest Cure, rehabilitation and respite care (Code: Excl05)","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-5"},{"clause":"4.1.6","heading":"Obesity/ Weight Control (Code: Excl06)","page":21,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-6"},{"clause":"4.1.7","heading":"Change-of-Gender treatments (Code: Excl 07)","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-7"},{"clause":"4.1.8","heading":"Cosmetic or Plastic Surgery (Code: Excl 08)","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-8"},{"clause":"4.1.9","heading":"Hazardous or Adventure sports (Code: Excl 09)","page":22,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-9"},{"clause":null,"heading":"4.1.18.Maternity (Code:Excl18)","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-1-18-maternity-code-excl18"},{"clause":null,"heading":"4.2.3.Alternative Treatments","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-2-3-alternative-treatments"},{"clause":null,"heading":"4.2.4.Circumcision","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-2-4-circumcision"},{"clause":null,"heading":"4.2.6. Dental Treatments","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-2-6-dental-treatments"},{"clause":null,"heading":"4.2.8. External Congenital Anomaly","page":23,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-2-8-external-congenital-anomaly"},{"clause":null,"heading":"4.2.15. Overseas Treatment","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-2-15-overseas-treatment"},{"clause":null,"heading":"4.2.25. War (whether declared or not)","page":25,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-2-25-war-whether-declared-or-not"}],"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 no claim has occurred, premium is refunded on a pro-rata basis; if a claim has been admitted or lodged, there is no refund for the policy year in which the claim occurs.","display":"7 days’ written notice; pro-rata refund if no claim; no refund for the policy year in which a claim occurs","note":"CIS gives a different refund table, but the policy wording is quoted.","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":null,"heading":"5.1.16.Cancellation (other than Free Look Period)","page":27,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-16-cancellation-other-than-free-look-period"}],"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 base policy covers medical treatment taken within India only. Treatment outside India is covered only if the MoreGlobal benefit is opted and in force.","display":"India only, unless MoreGlobal is opted and in force","note":null,"quote":"This Policy only covers medical treatment taken within India, unless section 3.2.3 MoreGlobal Benefit is opted and in force for the Insured Person under the Policy.","sources":[{"clause":"5.2.1","heading":"Geography & Currency","page":28,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-2-1"}],"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":"conflicting","value":{"unit":"days","amount":30},"display":"30 days","note":"Policy wording says thirty days. CIS says: 'Free Look period of 15 days from the date of receipt of the policy shall be applicable'.","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. ... Free Look period of 15 days from the date of receipt of the policy shall be applicable","sources":[{"clause":"5.1.14","heading":"Free Look Period","page":27,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-14"},{"clause":"3.2.3(e)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9653#c-3-2-3-e"}],"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 where premium payment mode is monthly and 30 days in all other cases","note":"Norm uses the 30-day grace period for non-monthly modes; monthly mode has 15 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":"5.1.8","heading":"Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-8"}],"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":["Lumpsum","Half Yearly","Quarterly","Monthly"],"display":"Lumpsum, Half Yearly, Quarterly or Monthly","note":null,"quote":"If the Insured Person has opted for Payment of Premium on an instalment basis i.e. Lumpsum, Half Yearly, Quarterly or Monthly, as mentioned in the Policy Schedule/Certificate of Insurance","sources":[{"clause":"5.1.10","heading":"Premium Payment in Instalments (wherever applicable)","page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-10"}],"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":"quote-verified","value":["MoreTime","MoreCover","MoreGlobal","Voluntary Co-payment","Limitless Cover","Consumables Cover","Unlimited Restore Benefit","Smart Protector","Super Charger","Air Ambulance","Mother and Child Care","Maternity Cover","Newborn Baby and Vaccination Cover","OPD Cover","Medical Equipment Cover","Double Cover","Home Care Treatment","Change in Pre-Existing Waiting Period","Reduction in Specific Illness Waiting Period","Reduction in Room Rent","Discount for Removal of More Options Benefits","Voluntary Aggregate Deductible"],"display":"More options and add-on covers include MoreTime, MoreCover, MoreGlobal, co-pay, Limitless, Smart Protector, Mother and Child Care, OPD, Medical Equipment, Double Cover, Home Care, waiting-period changes, room-rent reduction and voluntary aggregate deductible","note":"One More Options Benefit may be chosen without additional premium; other More Options Benefits and add-on covers require additional premium or are optional benefits as stated.","quote":"The Policyholder may choose any one of the following More Options Benefits ... The Policyholdermay also, additionally, opt for any of the other More Options Benefits which will be applied under the Policy only on receipt of the additional premium payable for that Benefit in full. ... The covers listed below are Add On Covers that can be made available under the Policy, for appropriate premium","sources":[{"clause":"3.2","heading":"More Options Benefits","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-2"},{"clause":"3.4","heading":"Add OnCovers","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4"}],"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.","display":"Not available during grace period, except instalment premium cases","note":null,"quote":"Coverage is not available during the grace period, except in case where the premium is paid in instalment.","sources":[{"clause":"5.1.8","heading":"Renewal of Policy","page":26,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-5-1-8"}],"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":"The eligible room rent limit used for proportionate deduction is Single Private A.C Room up to Deluxe Room.","display":"Single Private A.C Room (upto Deluxe Room)","note":"Optional Reduction in Room Rent can set Room Category Options: Single Private A.C Room OR Twin Sharing Room.","quote":"Eligible Room Rent Limit | Room Rent allowed as per policy is Single Private A.C Room (upto Deluxe Room)","sources":[{"clause":"6.6(iii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-6-6-iii"}],"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":"Single Private A.C Room up to Deluxe Room is allowed for the base policy. If Reduction in Room Rent is opted, the options are Single Private A.C Room or Twin Sharing Room.","display":"Single Private A.C Room (upto Deluxe Room); optional Single Private A.C Room OR Twin Sharing Room","note":null,"quote":"Eligible Room Rent Limit | Room Rent allowed as per policy is Single Private A.C Room (upto Deluxe Room) ... Reduction in Room Rent* | Room Category Options: Single | Indemnity | 3.1 Basic Benefits ... Private A.C Room OR Twin Sharing Room","sources":[{"clause":"6.6(iii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-6-6-iii"},{"clause":"3.4.11","heading":null,"page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-11-2"}],"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 covered under inpatient care and the policy says ICU charges shall not be proportionately reduced. No separate daily ICU rupee limit is stated.","display":"ICU Charges covered; ICU charges shall not be proportionately reduced","note":"No separate ICU per-day cap is stated in the cited clauses.","quote":"Medical Expenses incurred for: ... iii) Intensive Care Unit (ICU) Charges, ... ICU charges shall not be proportionately reduced in all cases.","sources":[{"clause":"3.1.1","heading":"Inpatient Care","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-1"},{"clause":"6.6(e)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-6-6-e"}],"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 room rent charges exceed the applicable sub-limit, associated medical expenses and room rent are proportionately reduced. Pharmacy and consumables, implants and medical devices, diagnostics, and ICU charges are excluded from proportionate reduction.","display":"Yes, for higher room category or room rent above sub-limit; ICU not proportionately reduced","note":null,"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 ... The Insured Person chooses a room category in which the room rent charges are more than the applicable Base Sum Insured sub-limit ... i. Cost of Pharmacy and Consumables ii. Cost of Implants and Medical Devices ... ICU charges shall not be proportionately reduced in all cases.","sources":[{"clause":"6.6","heading":"Proportionate Deductions","page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-6-6"},{"clause":"6.6(i)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-6-6-i"},{"clause":"6.6(ii)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-6-6-ii"},{"clause":"6.6(e)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-6-6-e"}],"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":"Zone-wise co-pay applies if Zone B premium is paid and treatment is taken in Zone A: 20%. Optional Voluntary Co-payment is 10% if opted; other benefit-specific co-pays apply to Dental OPD, OPD reimbursement and Durable Medical Equipment.","display":"Zone B to Zone A: 20%; voluntary co-payment 10% if opted","note":"Zone A premium allows treatment anywhere in India without co-payment according to the prospectus.","quote":"If the Insured Person has paid the premium for Zone B and avails the treatment in Zone B then no Co-Payment shall be applicable but if the Insured Persons avails the treatment in Zone A then Co-Payment of 20% shall be applicable. ... Voluntary Co-payment* | 10%, if opted ... Dental OPD The Company shall pay expenses incurred by Insured Person for below mentioned Dental related covers with a mandatory Co-Payment of 20% on each and every claim ... Where the Insured opts the settlement of claim on reimbursement basis a Co-Payment of 10% shall be applicable ... A Co-payment of 20% is applicable on each and every claim under this benefit.","sources":[{"clause":"Section 9","heading":"ZONE WISE CO-PAYMENT","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9672#c-section-9"},{"clause":"3.4.1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-1-2"},{"clause":"3.4.5(x)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-5-x"},{"clause":"3.4.5(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-5-b-4"},{"clause":"3.4.6.1","heading":"Durable Medical Equipment (DME)","page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-6-1"}],"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":"There is no compulsory base deductible stated. Optional Voluntary Aggregate Deductible can be chosen with annual aggregate options of 10000, 25000, 50000 or 100000; MoreGlobal has a USD 100 deductible on each OPD claim.","display":"None unless optional; voluntary aggregate deductible options 10000, 25000, 50000, 100000; MoreGlobal OPD deductible USD 100","note":"The voluntary aggregate deductible is optional and annual.","quote":"Under this option, the Company shall provide a discount in the premium, if the Policyholder opts for an annual Aggregate Deductible under the Policy. ... Options are: 10000, 25000, 50000, | Indemnity | 3.1 Basic Benefits ... 100000 ... Deductible of USD 100 shall be applicable on each and every OPD claim made under this benefit.","sources":[{"clause":"3.4.13","heading":"Voluntary Aggregate Deductible","page":20,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-13"},{"clause":"3.4.13","heading":null,"page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-13-2"},{"clause":null,"heading":"Specific Conditions applicable for Benefit-3.2.3 MoreGlobal","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-specific-conditions-applicable-for-benefit-3-2-3"}],"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":90},"display":"90 days","note":"Expenses must be for the same illness or condition and the related hospitalisation claim must be accepted.","quote":"Pre-Hospitalisation Medical Expenses incurred in the 90 days immediately before the Insured Person’s Hospitalisation","sources":[{"clause":"3.1.7","heading":"Pre-Hospitalisation Medical Expenses","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-7"}],"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":180},"display":"180 days","note":"Expenses must be for the same illness or condition and the related hospitalisation claim must be accepted.","quote":"Post-Hospitalisation Medical Expenses incurred in the 180 days immediately after the Insured Person’s discharge post Hospitalisation","sources":[{"clause":"3.1.8","heading":"Post-Hospitalisation Medical Expenses","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-8"}],"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 that is a surgical procedure, chemotherapy, radiotherapy or haemodialysis taken during the policy period at a hospital or day care centre is covered. Diagnostic day care treatment is not covered under this benefit.","display":"Covered for surgical procedure, chemotherapy, radiotherapy or haemodialysis; diagnostic day care excluded","note":null,"quote":"Medical Expenses incurred for Day Care Treatment which is a Surgical Procedure, chemotherapy or radiotherapy or haemodialysis taken by an Insured Person during the Policy Period at a Hospital or Day Care Centre provided that: ... Any Day Care Treatment carried out for diagnostic purposes shall not be covered under this Benefit.","sources":[{"clause":"3.1.3","heading":"Day Care Procedures","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-3"}],"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 hospitalisation is covered if the condition requiring treatment continues for at least 3 continuous and completed days, with medical expenses paid from the first day.","display":"Covered if treatment continues for at least 3 continuous and completed days","note":null,"quote":"Medical Expenses for Domiciliary Hospitalisation of the Insured Person provided that: ... The condition for which the medical treatment is required continues for at least 3 continuous and completed days, in which case the Company will pay for the Medical Expenses incurred from the first day of Domiciliary Hospitalisation","sources":[{"clause":"3.1.4","heading":"Domiciliary Hospitalisation","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-4"},{"clause":"3.1.4(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-4-i"}],"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":"AYUSH treatment is covered within the Sum Insured when treatment is taken in an AYUSH Hospital and the company has accepted an inpatient care claim.","display":"Covered within Sum Insured in an AYUSH Hospital","note":"Cashless facility for AYUSH is on a best-efforts basis.","quote":"Expenses incurred on treatment taken in a Hospital under Ayurveda, Unani, Sidha and Homeopathy, provided that: ... The treatment is taken in an AYUSH Hospital as defined under this Policy ... The Company has accepted a claim under Basic Benefit 3.1.1 Inpatient Care","sources":[{"clause":"3.1.6","heading":"AYUSH Benefit","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-6"}],"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":"Special Treatments are covered up to the amount specified in the Coverage Summary or Schedule, including uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intra vitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, prostate vaporization, IONM and stem cell therapy for bone marrow transplant for haematological conditions.","display":"Covered up to Coverage Summary/Schedule limits","note":"Coverage Summary states Special Treatment limits are 50% of S.I for sum insured below 10 lakhs and 100% of S.I for sum insured of 10 lakhs or above.","quote":"The Medical Expenses incurred during the Policy Period on Inpatient Care or Day Care Procedure or Domiciliary Hospitalization for the below mentioned Special Treatments shall be covered upto the amount specified in the Coverage Summary/Schedule. ... 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","sources":[{"clause":"3.1.2","heading":"Special Treatment","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-2"}],"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 for harvesting the organ are covered if the organ is for the insured person and the company has accepted an inpatient care claim. Pre- and post-hospitalisation expenses and other donor treatment expenses are not paid.","display":"Covered within Sum Insured for organ harvesting expenses","note":null,"quote":"Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated, provided that: ... the organ donated is for the use of the Insured Person ... The Company will not pay any Pre-Hospitalisation Medical Expenses and Post-Hospitalisation Medical Expenses or expenses incurred towards any other medical treatment for or attributable to the organ donor consequent to the harvesting ... The Company has accepted a claim under Basic Benefit 3.1.1 Inpatient Care","sources":[{"clause":"3.1.5","heading":"Organ Donor","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-5"},{"clause":"3.1.5(i)","heading":"The organ donor","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-5-i"},{"clause":"3.1.5(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-5-ii"},{"clause":"3.1.5(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-5-iii"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Emergency ambulance is covered within the Sum Insured for transfer to the nearest hospital with adequate emergency facilities, including hospital-to-hospital transfer and intercity ambulance beyond 100 km. Optional air ambulance cover is available, with limits depending on sum insured.","display":"Road ambulance within Sum Insured; intercity beyond 100km covered; optional air ambulance","note":"Air ambulance is an add-on under Smart Protector.","quote":"Expenses incurred on an Ambulance used to transfer the Insured Person to the nearest Hospital with adequate emergency facilities ... This benefit also covers the ‘Intercity Ambulance cost’ in case where such transportation is required ‘intercity’ (beyond 100km in distance). ... Air Ambulance | S.I< 1crores: 7.5% of Sum Insured or ... Rs 5 Lakhs whichever is higher ... S.I >=1crores: 10% of Sum Insured (Within Sum Insured)","sources":[{"clause":"3.1.9","heading":"Emergency Ambulance","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-9"},{"clause":"3.4.3.2","heading":null,"page":35,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-3-2-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"No base no-claim bonus is stated. Optional Super Charger provides additional Sum Insured at the end of each completed and continuous policy year or extended policy year irrespective of the number of claims, and the Coverage Summary shows Option 1 as 20% of S.I and Option 2 as 33.33% of S.I, maximum up to 100% of S.I.","display":"No base no-claim bonus stated; optional Super Charger: 20% or 33.33% of S.I up to 100% of S.I","note":"Super Charger is an add-on cover, not a base no-claim bonus.","quote":"The Company shall provide an additional Sum Insured as Super Charger Sum Insured at the end of each completed and continuous Policy Year/Extended Policy Year (if applicable) with the Company, irrespective of any number of claims made in the immediate expiring Policy. ... (Option 1): 20% of S.I, maximum up to 100% of S.I (Option 2): 33.33% of S.I, maximum up to 100% of S.I","sources":[{"clause":"3.4.3.1","heading":"Super Charger","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-3-1"},{"clause":"3.4.3.1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-3-1-2"}],"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":"Base inpatient care includes allowable consumables, but non-medical expenses in Annexure A List I are excluded unless the optional Consumables Cover is opted. With Consumables Cover, the company pays reasonable and customary expenses for List I optional items, within the Sum Insured, if prescribed and medically necessary for an accepted inpatient or day care claim.","display":"Excluded unless optional Consumables Cover is opted; then List I optional items are covered within Sum Insured","note":null,"quote":"Medicines, drugs and allowable consumables, ... Any non-medical expenses mentioned in ‘Annexure A- List I as Optional Items’. This exclusion shall be waived off, if Optional Benefit-3.4.2.1 “Consumable Cover” has been opted under the Policy. ... for items which are listed in ‘Annexure A- List I as Optional Items’ of this Policy","sources":[{"clause":"3.1.1","heading":"Inpatient Care","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-1-1"},{"clause":null,"heading":"4.2.13. Non-medical expenses","page":24,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-4-2-13-non-medical-expenses"},{"clause":"3.4.2.1","heading":"Consumables Cover","page":13,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-2-1"}],"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 is an add-on under Mother and Child Care, available only to female members aged 18 to 45 years and only for policies with a three-year policy period. It becomes available after 12 or 24 months as opted, with limits specified in the Schedule; Coverage Summary shows 1 lakh for 5 lakhs sum insured and 1 lakh or 2 lakhs for 10 lakhs and above.","display":"Optional; 12/24 months waiting; 1 lakh or 2 lakhs limit; only 3-year policy period","note":"Optional add-on; base standard exclusion for maternity is superseded only if this benefit applies.","quote":"The Company will indemnify the Insured Person up to the limit specified in the Schedule towards the Maternity Expenses incurred on Inpatient Care ... This benefit is available only to female members between the age group of 18 years to 45 years. ... This benefit is available only to policies with three-year policy period. ... This benefit shall become available only after the expiry of 12/24 (as opted) months ... 5 lakhs | 1 lakh ... >=10lakhs | Option 1- 1lakh Option 2- 2 ... lakhs","sources":[{"clause":"3.4.4.1","heading":"Maternity Cover","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-4-1"},{"clause":"3.4.4.1","heading":null,"page":35,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-4-1-2"}],"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 an add-on linked to an accepted maternity claim. It covers inpatient or day care treatment of the newborn from birth to 90 days and specified mandatory vaccinations up to 90 days, up to the Schedule limit; Coverage Summary shows 1 lac within the Sum Insured.","display":"Optional; newborn treatment from birth to 90 days and vaccinations up to 90 days; 1 lac limit","note":"Available only if the company has accepted the claim under Maternity Cover.","quote":"The Company will indemnify the Insured Personup to the limits specified in the Schedule towards the treatment of Newborn baby as In-Patient Care or Day Care Procedure ... Medical Expenses incurred by the Insured Person’s Newborn Baby from date of birth till 90 days of age ... This coverage also includes the cost of the following vaccines for mandatory New-born baby immunization up to 90 days of birth. ... Newborn baby and | 1 lac (Within Sum Insured)","sources":[{"clause":"3.4.4.2","heading":"Newborn Baby and Vaccination Cover","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-4-2"},{"clause":"3.4.4.2","heading":null,"page":35,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-4-2-2"}],"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":"The Stay Healthy Discount gives a renewal premium discount if an annual health check-up is carried out and results are shared with the company. The cost of the health check-up is borne by the insured person.","display":"Annual health check-up for renewal discount; cost borne by insured","note":"This is a discount feature, not a free check-up benefit.","quote":"The Insured Person will be entitled to a discount on the premium at the time of Renewal of the Policy irrespective of claims made during the Policy Period, if an annual health check-up is carried out during the Policy Year/(s) and the results of the same are shared with the Company ... The cost of the health check-up will be borne by the Insured Person","sources":[{"clause":"3.3","heading":"Renewal Benefit: Stay Healthy Discount","page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-3"},{"clause":"3.3(vi)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-3-vi"}],"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":"OPD Cover is optional and has Plan A or Plan B. Plan A covers OPD consultations with listed super specialists, diagnostic tests and prescription drugs; Plan B covers OPD consultations with medical practitioners, diagnostic tests, prescription drugs, Dental OPD and surgical treatments, subject to selected OPD limits.","display":"Optional OPD Cover; Plan A and Plan B with selected OPD limits","note":"Coverage Summary shows Plan A OPD limits 10000 to 20000 and Plan B OPD limits 25000 to 50000, in multiples of 5000.","quote":"Plan A: The Company will cover Reasonable and Customary charges for the following up to the limits specified in the Coverage Summary/Schedule ... OPD consultations ... Diagnostic Tests ... Prescription drugs expenses ... Plan B: The Company will cover Reasonable and Customary charges for the following up to the limits specified in the Coverage Summary/Schedule ... OPD consultations ... Diagnostic Tests ... Prescription drugs expenses ... Dental OPD ... Surgical Treatments ... Under this Policy, Policyholder can choose either Plan A or Plan B for OPD Cover","sources":[{"clause":"3.4.5","heading":"OPD Cover","page":15,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-5"},{"clause":"3.4.5(x)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-5-x"},{"clause":"3.4.5(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-5-c-2"},{"clause":"3.4.5(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-3-4-5-a-4"}],"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":"quote-verified","value":"The prospectus divides locations into Zone A and Zone B. If Zone B premium is paid and treatment is availed in Zone A, a 20% co-payment applies; Zone A premium or treatment within Zone B has no zone co-payment.","display":"Zone A and Zone B; Zone B priced policy treated in Zone A has 20% co-payment","note":null,"quote":"Zone A: Delhi, New Delhi & NCR including Faridabad, Noida, Ghaziabad, Gurugram, Noida, Gautam Buddha Nagar, Mumbai & Suburbs, MMR (Mumbai Metropolitan Region), Navi Mumbai & Suburbs, Thane City & Suburbs, Mira Road, Bhayandar, Panvel, Kalyan & Dombivali, State of Gujarat, Kolkata & Suburbs. Zone B: Rest of India If the Insured Person has paid the premium for Zone A then Insured can avail treatment anywhere in India without any Co-Payment. If the Insured Person has paid the premium for Zone B and avails the treatment in Zone B then no Co-Payment shall be applicable but if the Insured Persons avails the treatment in Zone A then Co-Payment of 20% shall be applicable.","sources":[{"clause":"Section 9","heading":"ZONE WISE CO-PAYMENT","page":14,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9672#c-section-9"}],"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 at network providers, where the company pays the network provider directly to the extent of its liability. Non-network provider claims are considered on a reimbursement basis only.","display":"Cashless at network providers; non-network claims reimbursement only","note":"Planned cashless notice must be at least 48 hours before treatment or hospitalisation; emergency cashless notice within 24 hours after treatment or hospitalisation.","quote":"For any planned treatment, consultation or procedure for which a claim may be made: | Network Provider | Yes, the Company will make payment to the extent of Company’s liability directly to the Network Provider. ... For any planned or emergency treatment, consultation or procedure for which a claim may be made: | Non- Network Provider | No, the Company will consider claims on a reimbursement basis only.","sources":[{"clause":"6.3","heading":"Cashless Facility","page":29,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-6-3"}],"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 and care management are handled by RCareHealth.","display":"RCareHealth: Claims and Care management","note":null,"quote":"Name | RCareHealth: Claims and Care management","sources":[{"clause":"Annexure II","heading":"Service-related Information","page":36,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664#c-annexure-ii"}],"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 Health Infinity Policy (RELHLIP23120V042223 effective from 2022)","pages":48,"fetched_at":"2026-10-17 19:45:52+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-infinity-pw","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9664"},{"kind":"prospectus","label":"IndusInd Health Infinity Policy (RELHLIP23120V042223 effective from 2022)","pages":25,"fetched_at":"2026-10-17 19:46:04+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-infinity-insurance-prospectus-new","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9672"},{"kind":"cis","label":"IndusInd Health Infinity Policy (RELHLIP23120V042223 effective from 2022)","pages":6,"fetched_at":"2026-10-17 19:45:39+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-infinity-insurance-cis-new","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9653"},{"kind":"brochure","label":"IndusInd Health Infinity Policy (RELHLIP23120V042223 effective from 2022)","pages":12,"fetched_at":"2026-10-17 19:40:08+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-infinity-insurance-brochure-new","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/9584"},{"kind":"proposal","label":"IndusInd Health Infinity Policy (RELHLIP23120V042223 effective from 2022) PF","pages":null,"fetched_at":"2026-10-17 19:46:07+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-infinity-proposal-form-new","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/22673"},{"kind":"proposal","label":"IndusInd Health Infinity Policy (RELHLIP23120V042223 effective from 2022)","pages":null,"fetched_at":"2026-10-17 19:46:12+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-health-infinity-insurance-portability-form-and-annexure","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223/document/22674"}],"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 Infinity Policy (UIN RELHLIP23120V042223), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-health-infinity-policy-relhlip23120v042223"}