1 Crore Health Insurance

₹1 Crore health insurance is designed to provide extensive coverage against costly medical expenses like critical ICU care, complex cardiac care, and long-term treatments for chronic conditions like diabetes or kidney disease. In other words, this plan will cover your medical costs up to ₹1 Crore to ensure your medical treatments are fully covered.

To put this into perspective, heart surgery and cancer treatments now cost upwards of ₹30-₹40 lakhs*. Ongoing care is equally as expensive, with daily dialysis treatments costing around ₹1,500 to ₹4,000 per session*. So, if you live in metropolitan cities like Delhi or Mumbai, where healthcare is expensive or have a family member who needs ongoing medical care, this level of coverage can be a financial lifeline.

At IndusInd General Insurance (formerly Reliance General Insurance), our ₹1 crore health insurance plans are built to account for these costs. From hospitalisations to follow-up OPD visits, and even multiple claims within the same year, we have you covered. With this level of protection, you can focus fully on recovery while we take care of the bills.

Why Buy a ₹1 Crore Health Insurance Plan?

Rising Medical Costs

Medical inflation is rising at the rate of 13%-14% annually, which is lower than the wage growth in India. Plus, medical costs, even for minor surgeries like cataract, has increased to ₹1 lakh, so a basic ₹5 or ₹10 lakh plan is no longer enough.

Critical Illness Cover

1 Crore health insurance offers coverage for high-cost treatments for critical illnesses like cancer, organ transplants, etc. Under this plan, you stay insured even when you need post-operative care or a second claim in the year after a surgery.

Enhanced Experience

No claim will get you more gain. Every claim-free year gets you 33.33% of your SI as Cumulative

Enhanced Experience

No claim will get you more gain. Every claim-free year gets you 33.33% of your SI as Cumulative

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Our Achievements

“We at Reliance General Insurance value each customer and their time. Our efforts are to bring the best product for you!We at Reliance General Insurance value each customer and their time. Our efforts are to bring the best product for you!”

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Why Choose

Why Choose Our ₹{Page Name} Health Insurance?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

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AYUSH & Modern Surgery

Get 100% SI coverage for both*

Up to 40% Discount*

More coverage and more savings!

Unlimited SI Restoration*

Coverage that never runs out*

20+ Add-On Covers*

Customise our plans to your needs

We are dedicated to resolving your issues, but if they remain unresolved, please follow the steps mentioned below.

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Inclusions & Exclusions

Inclusions and Exclusions of ₹{Page Name} Health Insurance Plans

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What is Covered?

Medical Expenses: Covers inpatient treatment, pre- and post-hospitalisation, daycare treatments, organ donor expenses, home care treatment costs, etc.

Day 1 Coverage: We offer day 1 coverage under our health insurance plans for accident-related claims and for medical emergencies to ensure quick and comprehensive medical coverage.

Modern and AYUSH Treatments: Modern treatments like robotic surgeries are covered. Plus, we cover AYUSH (Ayurveda, Yoga, Unani, Siddha and Homoeopathy).

Global Emergency Cover: Cover of $100* for 45 days (with deductible) for medical emergencies abroad, including inpatient, outpatient and daycare treatments.

Maternity and Newborn Cover: Covers maternity expenses and newborn baby care for up to ₹2 lakh with an add-on.

Accident & Illness Protection: Offers a deductible waiver in case of an accident and a 1-year premium waiver in case of a critical illness diagnosis.

OPD & Home Care Services: We offer up to ₹50,000* for OPD costs, such as doctor consultations and tests. It also covers home-based treatment of up to ₹25 lakhs*.

Rehabilitation Services: Speech, physiotherapy and occupational therapy are covered when needed after an accident.

Annual Rewards: Get up to 50% SI bonus for every claim-free year and a free health check-up after 3 consecutive years.

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What is Not Covered?

Non-Medical Treatments: All medically necessary costs are covered except for treatments like wellness therapies, rejuvenation treatments, dietary supplements and cosmetic surgeries.

Lifestyle and Fertility: Weight control procedures, fertility treatments, contraception and correction of refractive errors are excluded.

Legal and Statutory: Any medical expenses resulting from intentional self-injury, suicide, war or any illegal activities are not covered.

Unrelated Outpatient & External Anomalies: We cover all OPD costs that precede your hospitalisation. However, to get coverage for all OPD treatments, you'll need the OPD services add-on. We also generally do not cover congenital diseases under our plans.

Waiting Period: All accident-related claims are covered from day 1. All other claims are subject to a 30-day waiting period. And pre-existing conditions and maternity costs have their own waiting periods, which you can reduce via an add-on.

Experimental or Unapproved Treatment: We cover all medical treatments, except ones not approved by the Insurance Regulatory and Development Authority of India (IRDAI) or the World Health Organisation (WHO).

Unlawful or Self-Inflicted Situations: Injuries caused by self-harm, participation in illegal activities, substance abuse, riots, terrorism or war are not covered.

Disclaimer for Relaince General Insurance!

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Need help selecting a 1 crore health insurance plan?

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How to Buy

How to Buy and Renew ₹{Page Name} Health Insurance?

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Buy Online

Visit the form on top and enter your details. For quick premium quotes, use the calculator below.

Select your gender, DOB, PIN code and the number of people you'd like to insure.

Select your SI amount, policy term and any add-ons you require.

Enter your PAN number and finish the CKYC process.

Pay securely online to receive your policy via email.

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Renew Online

Scroll up to the form on top and click on the Renewals tab. You can also tap "InstaRenew" on the Self-i app.

Enter your details as requested, like policy or mobile number.

Click on “Send OTP” to verify and continue with the renewal process.

Review and edit your existing policy if needed.

View the updated premium and pay online to renew instantly.

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Process Steps

How Much Does ₹{Page Name} Health Insurance Cost?

Anyone who is above 18 years of age, have completed education up to at least 10th Standard and has a valid Aadhaar card & PAN card. For instance, below are few categories who can be benefited the most.

How Much Does ₹1 Crore Health Insurance Cost?

Go to Calculator

Go to the health insurance premium calculator below and enter your details.

Enter Your Details

Enter your name, number of family members and children you want to cover.

Enter Location

Provide your location details and coverage preferences.

Check Premium

Click “View Quote” to receive an estimate of your policy premium.

Claim Process

Claim Process for ₹{Page Name} Health Insurance

Claim Process for ₹1 Crore Health Insurance

Cashless Claims

Step 1

Step 2

You can also call us (+91-224890-3009) or send an email.

Step 3

Visit any authorised hospital and submit documents to RCare.

Step 4

The hospital's TPA desk will send us your medical expenses.

Step 5

Our team will work with the TPA team to settle your bills directly.

Reimbursement Claims

Step 1

In case your cashless claim is denied, pay upfront and claim later.

Step 2

Collect all the bills, receipts and diagnostic reports from the hospital.

Step 3

Step 4

Fill out the claim form and submit the required documents.

Step 5

We will review and reimburse you as per the policy terms.

Disclaimer for Relaince General Insurance!

What is an Account Aggregator?

Account Aggregator (AA) is a Reserve Bank of India (RBI) regulated entity that securely collects and transfers customer data between a network of insurance companies, financial institutions and mutual funds. The purpose of transferring data is to make it easier for customers to quickly get various financial services and for institutions to process customer requests with their data being readily available. The data is shared safely through encryptions and digital signatures, thus protecting it from getting into unwanted hands. Not even Account Aggregators can read the customer data they collect. Most importantly, any data is shared only with the explicit consent of the customer.

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While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.