IndusInd General Insurance Company Limited
IndusInd HealthGain Policy
IndusInd (formerly Reliance) entry-level health plan. Standard IRDAI definitions, version 1.0/040226.
UIN INIHLIP26040V042526We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
95%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
30 / 60 days
Network hospitals
7,800+
Free look
30 days
What this plan does well
- IndusInd (formerly Reliance) entry-level health plan
- Home Care Treatment section (Section 27) — DISTINCTIVE
- Standard IRDAI definitions
- All Day Care Treatments
- AYUSH up to SI
- Domiciliary up to SI
- Organ Donor up to SI
- Mental Healthcare Act 2017 compliance for Medical Practitioner def
Watch out for
- Specific waiting up to 24 months (verify exact)
- Pre/Post default 30/60 (vs ManipalCigna ProHealth 60/180)
- CB %/cap not specified in portfolio default — verify Schedule
- Restoration not standard — verify variant
- OPD not covered in base
- IndusInd General rebrand — UIN prefix change may confuse buyers
- Network ~7-8K (lower than Care Health 22K)
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.