₹15 lakh Health Insurance Starting at Just ₹243/Month*
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Up to 40% discount
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24*7 customer support
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10,000+ network hospitals
15 Lakh Health Insurance
A ₹15 lakh health insurance plan is a perfect choice for families and individuals who prefer private hospital treatment and want protection against sudden medical bills. It is mainly useful for emergency hospitalisation, planned surgeries, accidents, ICU care, infections and costly treatments. As medical inflation is on the rise, a ₹15 lakh plan helps you avoid depleting your savings in the event of a sudden hospitalisation.
The healthcare costs can add up faster than you expect. For instance, even a short hospital stay includes consultation charges, room rent, medicines and tests. If there’s any major surgery, complication, or ICU stay, the bill can quickly go up to lakhs. That’s where having a ₹15 lakh insurance plan becomes practical. It is comprehensive enough to cover serious treatment costs while being affordable.
With the IndusInd Health Insurance plan, you get complete support through cashless treatment at network hospitals. This makes hospital admission smooth and reduces stress during emergencies. It also ensures you stay focused on recovery rather than worrying about arranging funds!
Why Buy ₹15 Lakh Health Insurance?
Expensive Treatments
Medical treatments are more expensive than ever. ICU care, hospital stays, and surgeries in private hospitals can cost lakhs. A ₹15 lakh insurance cover provides sufficient coverage for such expensive treatments.
Multiple Hospitalisations
One hospital visit is never enough; you need to go multiple times to receive proper treatment. First, there’s the main treatment, then repeat tests, follow-ups and readmission as well. A small health cover can get exhausted quickly. But the ₹15 lakh plan offers enough coverage. So you don’t have to pay a huge amount from your pocket.
Cashless Treatments
Cashless health insurance plans play a significant role in today’s digital world. The ₹15 lakh health insurance plan provides cashless treatment at empanelled hospitals across India. You do not need to pay up front; the insurer settles the bills directly with the hospitals.
Maximise Tax Savings
You can maximise your tax savings if you buy a ₹15 lakh plan. As per Section 80D of the Income Tax Act, you can save up to ₹1 lakh yearly on your premium payments. This amount also includes the preventive health checkup costs up to ₹5000 paid within the year.
Our ₹15 lakh health insurance plan is crafted to safeguard you against rising medical costs without compromising on quality. It provides high coverage for hospitalisation, cashless treatment and other medical support.
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 ₹15 Lakh Health Insurance Policies
Health Infinity Insurance
IndusInd health infinity plan is a comprehensive plan that provides high coverage with benefits such as built-in OPD support* and unlimited restore. It covers hospitalisation, day care treatments, diagnostics and preventive care in India. This plan is perfect for corporate professionals and urban families looking for more protection and support.
Health Gain Insurance
IndusInd Health Gain is a family-focused plan offering flexible coverage options, with three variants: Plus, Power and Prime. It offers a sum insured of ₹3 lakh to ₹1 crore, unlimited restoration of the sum insured, and covers up to 12 members. It is best for working professionals and families who want affordable yet flexible health insurance.
Health Global Insurance
Perfect for people wanting to get planned treatments overseas and health insurance coverage in India (optional). You get a sum insured of up to USD 1 million for overseas treatments and unlimited SI for treatments in India. So, if you're getting treatment in the USA and need surgery in Chennai, this policy has you covered in India and abroad.
Super Top-Up Insurance
IndusInd health super top-up plan is a backup insurance plan that works well with your existing policy. It starts once your basic coverage is used up; it pays for further healthcare bills. It is mostly useful for people who want higher protection at a low cost and want backup support during medical emergencies.
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.
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Who Should Consider Buying ₹15 Lakh Health Insurance?
Growing Families
Families with children have more healthcare needs. From routine checkups to unexpected hospitalisation, expenses can arise at any time. The lower sum insured plans get exhausted quickly when multiple members are covered under one policy. A ₹15 lakh health insurance plan helps families manage their medical needs more conveniently while reducing their reliance on savings for emergency or planned treatments.
Urban Working Professionals
Urban professionals generally rely on private hospitals for quick access and high-quality treatment. Treatment in private hospitals is very expensive, and even with proper planning, costs can’t be controlled. A ₹15 lakh health insurance plan suits this group by providing cashless treatment, higher coverage and protection against increasing medical expenses.
Individuals In their Mid-Life
As people age and reach their early 40 and beyond, their healthcare needs become more frequent. Routine and ongoing treatments, diagnostic costs and other related procedures can gradually increase with time. With rising healthcare costs, choosing a higher sum insured is always a good idea. A ₹15 lakh health insurance plan supports long-term planning by providing broader coverage before medical needs become more complex.
Self-Employed Individuals
Small business owners and self-employed individuals generally do not have employer-provided health insurance, so they need to buy their own coverage. High medical expenses can significantly affect both their income and their health. A ₹15 lakh health insurance plan helps them manage medical costs without using loans or business savings.
Up to 40% Discount
Quick Cashless Claims via IndusInd app
10,000+ Network Hospitals
Claim Process for ₹15 Lakh Health Insurance
Step 1
Get your claim registered through the IndusInd Insurance App. You can also get in touch with us at (+91-224890-3009) or send an email.
Step 2
Then, to find your nearest hospital, use the cashless network hospital locator widget below.
Step 3
Go to any authorised hospital and submit your documents to ICare.
Step 4
The TPA desk of the hospital will send us your medical expenses.
Step 5
We will work with the TPA team to settle your bills directly.
Step 1
If your cashless claim gets denied, pay upfront and then claim later.
Step 2
Collect all the necessary bills, reports and receipts from the hospital.
Step 3
Get your claim registered via the website, app, email or by calling us.
Step 4
Then, fill out your claim form and submit the necessary documents.
Step 5
We will then review and reimburse you as per the terms of the policy.
Key Takeaways
Having a ₹15 lakh health insurance plan is increasingly essential, as medical costs in India are rising. ICU care, surgery, prolonged hospitalisation, and other treatments can easily cross several lakhs. The lower coverage plans generally exhaust quickly, forcing individuals to pay out of their savings or even borrow. Selecting a higher sum insured plan, such as a ₹15 lakh health insurance plan, offers strong financial protection against unforeseen medical events. Also, this reduces the risk of unnecessary financial stress during such an emergency.
The IndusInd ₹15 lakh health insurance plan (formerly known as the Reliance ₹15 lakh health insurance plan) is designed to support you when healthcare expenses are too much to handle. One of the biggest advantages of the insurance plan is cashless treatment at a wide network of 10,000+ hospitals. The bills get settled directly with your hospital, reducing the stress for you and your family.
Another significant benefit of the insurance plan is the automatic sum insured recharge feature. If your ₹15 lakh health insurance cover is used during the year, the plan restores the sum insured for future hospitalisations. This keeps you protected in the event of multiple medical emergencies. The plan also covers pre and post-hospitalisation expenses including tests, medicines, doctor visits, follow-up care, and more.
So why wait? Get your ₹15 lakh health insurance policy right now!
IndusInd General Insurance
Aapke Protection ka All-rounder
₹15 lakh health insurance starting at just ₹243 per month*!
Maximum Care, Sensible Premiums
Medical emergencies can be unpredictable. A ₹15 lakh health cover ensures you’re financially prepared when it matters most.
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