IndusInd General Insurance Company Limited
IndusInd Arogya Sanjeevani Policy
IRDAI-MANDATED standardized health policy. Basic health cover for entry-level buyers. Universal product across all insurers.
UIN RELHLIP21097V012021We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹5 lakh
Claim settlement (CSR)
95%
PED waiting
48 months
Specific disease wait
24 months
Mandatory co-pay
5%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
7,000+
Free look
15 days
What this plan does well
- IRDAI-MANDATED standardized product across all 30+ insurers
- Lifelong renewability (IRDAI mandate)
- AYUSH up to SI (mandate)
- All Day Care Procedures (mandate)
- Cumulative Bonus 5%/yr max 50% (mandate)
- Modern Treatments per IRDAI list (mandate)
- IndusInd insurer with CSR ~95.0%
Watch out for
- PED 48 months — DEALBREAKER NEGATIVE (industry 36mo)
- MANDATORY 5% co-pay on ALL claims
- Cataract sub-limit ₹40K/eye or 25% SI — DEALBREAKER
- Max SA only ₹5 Lakhs
- Room Rent capped ₹5,000/day or 2% SI whichever less
- ICU capped ₹10,000/day or 5% SI whichever less
- Maternity NOT covered
- No restoration, no high-CB (capped 50%)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.