IndusInd Travel Insurance for Pre-Existing Conditions
IndusInd travel insurance for pre-existing conditions offers limited coverage for eligible life-threatening emergencies arising from declared pre-existing medical conditions, subject to policy terms, age limits, and exclusions. Indian travellers should review the plan benefits and medical conditions covered before purchasing international travel insurance.
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What is a pre-existing condition in travel insurance?
A pre-existing condition is any chronic disease, illness or ailment (and its consequences) that exists or is known to exist when your policy starts, even if it has not been treated, including conditions treated or for which medical advice was sought in the six months before the policy begins.
IndusInd covers declared, non-critical pre-existing conditions only in life-threatening emergencies, and pays for treatment until you become medically stable.
Why Buy IndusInd Travel Insurance? Key Details at a Glance
| Feature | Details |
|---|---|
| Starting Premium | ₹23/day* |
| Coverage Available | Up to $500,000 |
| Eligible Ages | 3 Months – 90 Years |
| Pre-existing Condition Coverage | Up to policy maximum, only in case of life-threatening emergencies. |
| Worldwide Coverage | Cashless Hospitalization – your insurer pays the hospital directly, so you don't have to pay upfront at hospitals. T&C applies. |
| Duration | 182 Days |
*Starting premiums are indicative and may vary by age, destination, trip duration and selected coverage. The listed prices are based on a specific traveller and trip profile and are not guaranteed quotes. Benefits, eligibility, pre-existing condition coverage and exclusions are subject to policy wording and terms and conditions. Obtain a personalised quote before purchasing.
How Much Does IndusInd Travel Insurance from India Cost in 2026?
IndusInd Travel Insurance cost starts at ₹23 per day, with plan options offering coverage from $50,000 and $500,000. It is specially is designed for individuals traveling to Asian nations, excluding Japan, Schengen countries, UK, Europe, Canada and USA. Get your instant quote in 2 minutes →
| Feature | Standard Plan | Silver Plan | Gold Plan | Platinum Plan |
|---|---|---|---|---|
| Starting Premium | ₹23/day* | ₹28/day* | ₹34/day* | ₹58/day* |
| Medical Cover | $50,000 | $100,000 | $250,000 | $500,000 |
| Baggage Loss | $500 | $1,000 | $1,200 | $1,500 |
| Pre-existing (T&C apply) | Up to $50,000 | Up to $100,000 | Up to $250,000 | Up to $500,000 |
| Trip Cancellation | Nil | $600 | $600 | $600 |
| Buy Now |
*Price shown is for a 180-day trip to Singapore for an adult aged 25. Actual premium varies with age, destination, and duration.
What is the Cheapest Pre-existing condition plan Travel Insurance?
The IndusInd Standard Plan is one of the most economical options starting at ₹23/day* with coverage up to $50,000.
- check Medical Cover: $50,000
- check Baggage Loss: $500
- check Trip Cancellation: Nil
What is the Best Travel Insurance for Pre Existing Conditions?
The IndusInd Silver Plan is the best value option, offering up to $100,000 coverage starting at ₹34/day*.
- check Medical Cover: $100,000
- check Baggage Loss: $1,200
- check Trip Cancellation: $600
Does Travel Insurance Cover Seniors With Pre-Existing Conditions?
- Preexisting diseases are covered in case of life threatening only for travelers below 70 years
- Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness)
- Some of the preexisting diseases which are not covered by IndusInd travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes
- Whether declared or not declared, 70+ Senior citizens are not covered for pre-existing diseases.
IndusInd Travel Insurance Premiums by Age - 30-Day Trip
Travel insurance premiums increase with age. The table below shows indicative starting prices for a 30-day trip for a 35-year-old traveller.
| Destination | Standard $50K |
Silver $100K |
Gold $250K |
Platinum $500K |
|---|---|---|---|---|
| USA & Canada | ₹1,192/mo ≈ ₹40/day |
₹1,688/mo ≈ ₹56/day |
₹1,959/mo ≈ ₹65/day |
₹2,306/mo ≈ ₹77/day |
| Worldwide Excl. USA/Canada | ₹1,027/mo ≈ ₹34/day |
₹1,137/mo ≈ ₹38/day |
₹1,307/mo ≈ ₹44/day |
₹1,607/mo ≈ ₹54/day |
| Asia Only | Get Asia plan quote → | |||
*Prices shown are indicative. Actual premiums depend on destination, exact age, and trip duration. Use the quote form above for an accurate price.
The Real Cost of Travelling Without Cover
Travel Insurance for Senior Citizens with Pre-Existing Conditions
Older travellers often carry the greatest medical risk abroad, yet have the hardest time finding meaningful coverage. Here is what IndusInd offers for senior travellers with declared health conditions:
Travelers Up to Age 70
- Declared non-critical pre-existing conditions are covered in life-threatening emergencies
- Treatment paid until the insured becomes medically stable
- Coverage up to policy maximum as per policy terms and conditions.
- Cashless hospitalization worldwide
Travelers Above Age 70
- Pre-existing disease coverage is not available under IndusInd's plans for above 70 year old travelers.
- Any illness and accidents in overseas and not related to pre-existing are covered as per policy terms and conditions.
- Chat with our advisors who will guide you to a suitable plan
* Coverage is subject to the declared condition not falling under the list of excluded critical illnesses. See full exclusions list below.
Which Pre-Existing Conditions Does IndusInd Cover and Which Are Excluded?
IndusInd travel insurance covers declared non-critical pre-existing conditions in life-threatening emergencies. The following table shows common conditions and their coverage status:
| Condition | Covered in Life-Threatening Emergency? | Notes |
|---|---|---|
| Hypertension (non-critical, declared) | ✅ Yes | Must be declared; not a critical illness exclusion |
| Diabetes (non-insulin dependent) | ✅ Yes | Insulin-dependent diabetes is excluded |
| Cancer / Leukemia / Malignant Tumor | ❌ No | Explicitly excluded under critical illness clause |
| Cardiac ailments | ❌ No | Excluded - includes heart disease, arrhythmia |
| Chronic Obstructive Pulmonary Disease (COPD) | ❌ No | Explicitly excluded |
| HIV / AIDS | ❌ No | Explicitly excluded |
| Kidney ailments | ❌ No | Excluded - includes chronic kidney disease |
| Liver disease | ❌ No | Explicitly excluded |
| Neurological Disorder / Stroke / Paralysis | ❌ No | Explicitly excluded |
| Thalassemia | ❌ No | Explicitly excluded |
| Insulin-Dependent Diabetes | ❌ No | Explicitly excluded; Type 2 (non-insulin) may be covered |
This table is indicative only. The pre-existing diseases are covered as per policy terms and conditions only. Always read the full policy wordings before purchase. Call 080-41101026 if you are unsure whether your specific condition is covered.
How to Declare a Pre-Existing Condition When Buying IndusInd Travel Insurance
Declaring your pre-existing condition correctly at the time of purchase is the single most important step to ensure your claim is not rejected later. Here is how to do it:
edit_note Step 1 - Complete the Proposal Form
When filling out the travel insurance proposal form, you will be asked about your medical history. Answer truthfully - include every known condition, medication you take, and any treatment received before you start your trip.
list_alt Step 2 - List All Known Conditions
Include conditions even if they are currently controlled or inactive. A condition managed with daily medication (such as hypertension or diabetes) is still a pre-existing condition and must be declared.
fact_check Step 3 - Verify Exclusions Before Purchase
Check whether your declared condition falls under IndusInd's list of excluded critical illnesses (see the table above). Consider calling our advisors to know more and to explore alternative plans or options if they are not covered.
folder_open Step 4 - Keep Medical Records Ready
Carry copies of your prescription history, doctor's reports, and diagnosis documents when you travel. These may be helpful during medical emergency in overseas.
verified_user Step 5 - Receive Policy Confirmation
Once issued, your policy will reflect the declared conditions. Review the policy document to confirm coverage terms before departure.
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Does Your Destination Affect Pre-Existing Condition Coverage Cost?
Yes, your travel destination significantly affects your premium. The benefits will vary from plan to plan. For example if you buy a plan going only to Asian countries, it might not cover for life threatening pre-existing medical conditions. While the plans which cover destinations other than Asia countries might cover the pre-existing diseases. Please go through the coverage benefits to avoid buying a wrong plan. In fact our advisors will help you in choosing the best plan suitable for you. Here is a comparison of IndusInd's plan pricing for travellers with pre-existing conditions across popular destinations:
| Destination | Plan Available | Medical Cover | Starting Premium |
|---|---|---|---|
| UK | Silver to Platinum | $100K–$500K | From ₹23/day* |
| Europe / Schengen Zone | Silver to Platinum | $100K–$500K | Get Quote |
| USA & Canada | Gold to Platinum | $250K–$500K | Get Quote |
| Australia / New Zealand | Silver to Platinum | $100K–$500K | Get Quote |
| Asia (Singapore, Thailand, Bali, etc.) | Standard to Platinum | $50K–$500K | Get Quote |
* Asia plan excludes Japan. USA & Canada require higher minimum coverage due to elevated medical costs.
How to Make a Pre-Existing Condition Claim on IndusInd Travel Insurance?
If you experience a life-threatening emergency related to a declared pre-existing condition while abroad, follow these steps:
Call the Emergency Helpline Immediately
Contact IndusInd's 24/7 emergency assistance number (printed on your policy document) as early as possible.
Provide Your Details
Inform the assistance team about the emergency medical situation. Provide the policy number and traveller name. Have your medical records accessible.
Claim Stops at Medical Stability
Coverage under the pre-existing clause ends once your treating physician confirms you are medically stable. At that point, further treatment costs become your responsibility.
What Factors Affect the Cost of IndusInd Travel Insurance?
- Premiums increase with age due to higher medical risk.
- USA & Canada plans cost more than Asia or Europe-only plans.
- Longer travel periods result in higher premiums.
- Pre-existing conditions may have exclusions or loading.
- Higher medical coverage directly increases the premium.
- Annual multi-trip plans offer better value for frequent travelers.
What Are the Important Factors to Consider While Buying IndusInd Travel Insurance for Pre-existing Conditions?
When choosing a IndusInd overseas travel insurance plan, here are the key points to keep in mind:
-
Frequency of travel:
- If you are a frequent corporate traveler or businessperson going abroad several times a year, an annual multi-trip plan is more suitable as it covers multiple journeys under one policy.
- For leisure travelers taking an occasional holiday outside India, a single-trip travel insurance plan is usually sufficient.
-
Medical coverage required:
- IndusInd offers different plans with varying maximum medical coverage limits.
- The higher the coverage, the broader the protection against unexpected hospitalization or treatment costs abroad.
- Choose the sum insured that best matches your destination and anticipated medical expenses.
-
Sub-limits vs No Sub-limits:
- For senior travelers (especially above 56 years), some plans may come with sub-limits on hospitalization and medical expenses.
- While such policies are affordable, they may restrict benefits in case of major medical emergencies.
- For more comprehensive protection, especially when traveling to the USA or Europe, it is recommended to opt for plans without sub-limits for better coverage and peace of mind.
How to Extend or Renew Your IndusInd Travel Insurance While Abroad?
Indian travellers who want to extend or renew IndusInd travel insurance can complete the IndusInd international travel insurance renewal request form online and we will try to get an approval for you.
The following documents are required for extending/renewing the policy:
- Filled & signed Good health declaration
- Passport (first and last page & stamp page of the departure)
- Air ticket copy of onward journey (traveled from India to overseas)
International Travel Insurance Covering Pre-Existing Conditions FAQ's
"Pre-Existing Condition" means chronic diseases or illnesses or ailments and consequences of such diseases or illnesses or ailments existing or known to exist at the commencement of the period of insurance, even if the same had not been treated, including diseases or illnesses treated or for which medical advice was sought in the last six months before commencement of the period of insurance and including their consequences.
The treatment for these emergency measures would be paid till the Insured/Insured Person becomes medically stable. All further medical cost to maintain medically stable state would have borne by the Insured/ Insured Person.
Yes, you can get Indusind international travel insurance that covers pre-existing conditions under life threatening situations only. Only declared pre-existing medical conditions are covered. There are some diseases excluded from this cover. Please go through the policy terms and conditions before you purchase the policy.
Indusind travel insurance covers declared non critical pre-existing conditions under life threatening for travelers up to age of 70 years as per policy terms and conditions. Travelers above 70 years are not covered for pre-existing diseases under Indusind travel insurance.
However there might be special plans or companies which offer pre-existing cover for 70 plus travelers. For more information please get in touch with the insurance advisor via 
Chat with us.
Purchasing Indusind travel insurance with pre-existing condition coverage offers several unique benefits. Some of the key benefits are as below.
- Medical insurance cover for sickness and accident.
- Covers pre-existing medical conditions under life threatening situations up to sum insured (T&C apply)
- Access to quality health care with Indusind travel insurance.
- Peace of mind.
- Smooth claims settlement.
- 24/7 customer support.
- Best travel insurance which covers pre-existing diseases
Some of the common exclusions in pre-existing conditions coverage under Indusind travel insurance are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes.
The Indusind travel insurance does not cover pre-existing coverage unless it is life threatening. Regular checkups, medical tests and planned treatments which are related to pre-existing medical condition are excluded.