10 Lakh health insurance starting at just ₹243/month
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Up to 40% discount
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24x7 customer support
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10,000+ network hospitals
10 Lakh Health Insurance
A 10 lakh health insurance plan gives you great coverage for big medical bills, surgeries and hospital stays, which keeps your family financially safe during health emergencies. For example, heart surgery costs in India range between ₹2.5 lakh and ₹4 lakh, which shows why good coverage becomes necessary for such procedures.
Emergency medical situations do not give you time to arrange funds, making comprehensive coverage absolutely necessary. With 10 lakh coverage, you get proper treatment without worrying about high costs hurting your family's finances.
IndusInd General Insurance’s (formerly Reliance General Insurance) 10 lakh health insurance plans solve these problems with smart features designed specifically for Indian families. Our policies offer restore benefits that refill your coverage after you use it, so you stay protected all year long, even after making claims.
Plus, you get no room rent limits, which means you can choose any hospital room without paying extra money during treatment periods.
Why Buy a 10 Lakh Health Insurance Plan?
Covers Major Medical Emergencies
Healthcare costs are rising fast, with hospitalisation expenses increasing by 11.35% annually and average health claims reaching ₹70,558. This coverage handles serious medical emergencies like accidents, surgeries and sudden illness.
Protection Against Critical Illness Costs
Critical illnesses like heart disease, cancer and stroke need expensive treatment costing lakhs. If you have a 10 lakh health insurance plan, you get the care you need for life-threatening illnesses without having to spend all of your funds.
Adequate Coverage for Family Healthcare
With medical costs rising every year, families need higher coverage. This plan covers multiple family members under one policy, protecting parents, spouses and children from expensive healthcare and unexpected medical emergencies.
Financial Security During a Health Crisis
Medical emergencies create huge financial stress when treatment costs exceed your savings capacity. Higher coverage handles hospital, surgery and treatment expenses, letting you focus on recovery instead of arranging money.
Choosing the right health insurance company matters when your family’s health and financial security are at stake. IndusInd 10 lakh health insurance plans offer unique benefits and superior features that make us the smart choice for Indian families today.
AYUSH & Modern Surgery
100% SI coverage for both.
Up to 40% Discount
More protection at lower costs.
Unlimited SI Restoration
Unlimited comprehensive coverage.
20+ Add-On Covers
Choose coverage as per needs.
Types of IndusInd 10 Lakh Health Insurance Policies
Health Infinity Plan
It provides complete coverage, including hospital stays, doctor visits, medical tests and unlimited restore benefits. It has no room rent limit and covers rehabilitation with inflation protection. It offers a high no-claim bonus for families seeking extensive coverage. This 10 lakh health insurance plan works best for those who want complete healthcare protection, including outpatient treatments and advanced medical facilities.
Explore Plan
Health Gain Plan
It is a flexible 10 lakh health insurance plan that you can build according to your needs. It covers hospital stays and daycare treatments without any room rent limits. The plan offers restore benefits that help refill your coverage after use. This works perfectly for growing families and working professionals who want customised protection. You get online discounts and can add extra benefits based on what your family requires most.
Explore Plan
Hospi-Care Plan
Hospi Care works differently by paying you fixed cash amounts instead of covering actual hospital bills. You get lump sum payments for specific surgeries, ICU stays or critical illness. This plan suits people who already have basic health insurance but need extra money during medical emergencies. It helps cover indirect expenses and income loss during hospitalisation effectively with its 10 lakh health insurance coverage.
Super Top-Up Plan
Super Top-Up acts as backup insurance starting after your main health policy gets exhausted. It provides high coverage amounts at low premiums, but requires crossing a deductible limit first. Once you exceed, the plan pays for your medical expenses. This option suits everyone wanting extra protection beyond basic coverage, especially salaried individuals and large families seeking enhanced 10 lakh health insurance protection.
Arogya Sanjeevani Policy
Arogya Sanjeevani is a simple government-approved plan that covers basic medical needs at affordable rates. It includes hospital treatment, traditional medicines, cataract surgery and daycare procedures with fixed room rent limits. This straightforward 10 lakh health insurance coverage works well for people who want essential health protection without dealing with complicated terms or paying high premiums.
What is Covered?
Hospital Expenses: Covers pre- and post-hospitalisation costs, inpatient hospitalisation, home care treatments and day care procedures, etc.
Day 1 Coverage: Covers medical emergencies and accident-related claims from day 1 of the insurance policy.
AYUSH &Modern Treatments: Offers coverage for both AYUSH therapies and modern treatments, including stem cell procedures, immunotherapy and robotic surgery.
Global Emergency Cover: Covers up to $100 for 45 days for medical emergencies abroad, including outpatient, inpatient and day care treatments.
Maternity and Newborn Cover: Covers newborn baby care and maternity expenses up to ₹2 lakh with an add-on.
Accident & Illness Protection: Offers a deductible waiver in case of an accident or a 1-year waiver in case of a critical illness diagnosis.
OPD & Home Care Services: Covers OPD expenses such as medicines, tests, consultations and doctor-prescribed home-based treatments.
Rehabilitation Services: Covers rehabilitation expenses such as recovery support after hospitalisation and physiotherapy.
Annual Rewards: Get a free health checkup after 3 consecutive years and up to 50% SI bonus for each claim-free year.
What is Not Covered?
Non-Medical Treatments: Rejuvenation treatments, wellness therapies, dietary supplements, cosmetic surgeries and other such expensive treatments are not covered.
Lifestyle and Fertility: Fertility treatments, weight control procedures, contraception, and refractive error correction are not included.
Legal and Statutory: Claims from nuclear activity, war, suicide and breach of law are excluded from this plan.
Outpatient & External Anomalies: Congenital anomalies, outpatient consultations and other unrelated OPD visits are not included in the policy.
Waiting Period: Claims during the first 30 days, pre-existing conditions and maternity benefits within 12 months of policy start are subject to waiting periods.
Experimental or Unapproved Treatment: Non-approved or investigational treatments not recognised by regulatory bodies such as the WHO or IRDA are excluded.
Unlawful or Self-Inflicted Situations: Claims won’t be payable if injuries are caused by substance abuse, suicide attempts, terrorism, war or involvement in riots.
Disclaimer: The list of inclusions and exclusions varies depending on the type of plan you choose. Read your policy documents carefully here.
Get top-tier protection and lifelong cover
Call us today to get ₹10 lakh protection
Who Should Consider Buying 10 Lakh Insurance?
Young Working Professionals (25-35 years)
If you have just started your career and earn between 5-15 lakhs per year, this insurance is perfect for you because you can get lower premiums while you're still healthy. Since your parents might depend on you for medical support, having a 10 lakh cover becomes essential to protect your growing savings. This amount easily handles most treatments in good hospitals, which means you can focus on building your successful career without worrying about unexpected medical bills.
Small Business Owners and Self-Employed People
When you run your own business, you don't get health insurance through your job. This means you need to obtain your own insurance, especially if your monthly income fluctuates significantly. This policy becomes your financial safety net during tough business periods because you won't need to dip into your business funds for medical emergencies. This coverage protects both your family while removing the common fear that stops self-employed people from seeking timely treatment.
Nuclear Families with School-Going Children
If you have 1-2 kids and live in a city, 10 lakh coverage works perfectly because children often fall sick and need immediate attention. This amount ensures you can access the best treatment without thinking twice about costs. Your family receives quality healthcare while your savings account remains protected, giving you complete confidence that your children's health needs are fully covered.
Senior Citizens Planning Their Healthcare
If you're above 60 and want to maintain your independence, this insurance becomes crucial because health problems become more common and treatments cost significantly more at this age. Since your kids may live in different cities and can't always help right away, a 10 lakh cover is enough to cover most age-related problems, like heart problems or joint replacements. This gives you the freedom to choose your preferred treatment and hospital without depending on others for money.
Up to 40% Discount
Quick Cashless Claims via IndusInd Insurance App
10,000+ Network Hospitals
Claim Process for ₹10 Lakh Health Insurance
Step 1
Start your claim using the IndusInd General Insurance App mobile application.
Step 2
Alternatively, contact us at (+91-224890-3009) or through email.
Step 3
Go to any network hospital and provide documents to ICare.
Step 4
The hospital's TPA counter will forward your treatment costs to us.
Step 5
Our experts will coordinate with TPA to clear your hospital bills directly.
Step 1
If cashless gets rejected, make an upfront payment and file for reimbursement.
Step 2
Gather all invoices, receipts and test reports from your hospital.
Step 3
File your claim through the app, website, email or phone call.
Step 4
Complete the claim application and provide the necessary documents.
Step 5
We will assess and refund you according to policy guidelines.
Key Takeaways
Health insurance has become a necessity in today's India, as medical costs continue to rise at an alarming rate. Healthcare costs in India are increasing rapidly, with expenses expected to rise by 13% in 2025, making adequate coverage necessary for protecting your financial future during medical emergencies. An unexpected medical emergency might bankrupt your household without health insurance. IndusInd General Insurance (formerly Reliance General Insurance) understands these challenges and offers comprehensive 10 lakh health insurance plans designed specifically for Indian families like yours.
Our health insurance plans come with exceptional benefits that truly set us apart from other insurance companies in the market today. The unlimited restore benefit automatically refills your entire 10 lakh coverage amount whenever you exhaust it during the policy year. We don't impose any room rent limits, giving you complete freedom to choose any hospital room without paying extra money.
Whether you're a young professional starting your career, a small business owner managing fluctuating income or a growing family with children, our flexible plans adapt to your specific needs. With cashless treatment available at over 10,000 network hospitals* across India, you do not need to worry about arranging funds during medical emergencies. Also, purchasing and claim filing instantly with IndusInd Insurance app app and you can save up to 40% on premium costs, making quality healthcare protection affordable for every Indian family.
IndusInd General Insurance
Aapke Protection ka All-rounder
₹10 Lakh health insurance starting at just ₹243 per month*!
A Crore-Level Promise for Your Health!
Get ₹1 Crore protection against any and all medical emergencies! Our policies are designed with today's healthcare needs in mind to ensure you and your family stay secure.
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