20 Lakh Health Insurance

A ₹20 lakh health insurance policy offers robust financial protection against unexpected medical expenses, ensuring you and your loved ones are covered during emergencies. From hospitalisation and surgeries to treatment for critical illnesses, this comprehensive plan is designed to ease the financial burden of healthcare. With rising medical costs, having a high-value health insurance plan is no longer a luxury it’s a necessity. A ₹20 lakh cover provides peace of mind, knowing that you’re well-prepared for any health-related contingency. Whether you’re an individual or looking to secure your family’s health, this coverage amount offers a strong safety net.

IndusInd General Insurance offers customised ₹20 lakh health insurance plans tailored to meet diverse healthcare needs. With a wide range of benefits, including cashless hospitalisation, pre- and post-hospitalisation coverage, and access to a vast network of hospitals, our plans ensure you receive the best care without financial stress.

Why Buy a ₹20 Lakh Health Insurance Plan?

Rising Medical Costs

With healthcare inflation rising at 13–14% annually, even basic treatments are becoming expensive. A ₹20 lakh health insurance plan offers a stronger financial cushion than lower coverage options, helping you manage costs for hospitalisation, surgeries, and other medical needs.

Critical Illness Cover

A ₹20 lakh plan provides essential coverage for high-cost treatments like cancer care, cardiac surgeries, and organ transplants. It also supports post-treatment recovery and multiple claims, ensuring you’re protected throughout your health journey.

Maximise Tax Savings

You can claim tax deductions of up to ₹1 lakh* annually on your premium payments under Section 80D of the Income Tax Act (old regime). This includes preventive health check-up expenses up to ₹5,000*.

Modern Treatment Cover

Get access to advanced treatments like robotic surgeries and stem cell therapy. A ₹20 lakh cover ensures you’re financially prepared, even if treatment costs exceed expectations.

Why Choose

Why Choose Our ₹20 Lakh Health Insurance?

Our health insurance plans offer coverage against the rising cost of medical treatments and cover a wide range of medical services, ensuring healthcare remains accessible to you in times of need.

Amount Insurance

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

Types of ₹20 Lakh Health Insurance Plans

Health Infinity Insurance

A comprehensive plan offering sum insured options up to ₹20 lakh, ideal for individuals or families seeking wide-ranging coverage. From OPD consultations to major surgeries, this plan covers it all. Plus, enjoy added benefits like a 30%* increase in sum insured at no extra cost under the “More Cover” feature.

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Health Gain Policy

Designed for families, this plan comes in three variants Plus, Power, and Prime, offering flexible coverage. The Prime variant is perfect for those needing continuous care and family-wide protection. It covers up to 12 family members* and includes unlimited sum insured restoration.

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Health Global Policy

Ideal for those seeking international and domestic treatment coverage. Get up to ₹20 lakh for treatments in India and optional global coverage for planned procedures abroad. It also includes visa and accommodation support for overseas treatments.

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Health Super Top-up

Boost your existing health insurance with a Super Top-up plan. Whether you need to increase your coverage to ₹20 lakh or more, this plan offers enhanced protection for inpatient, outpatient, and critical care needs—all in one powerful package.

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Inclusions & Exclusions

Inclusions and Exclusions of ₹20 Lakh Health Insurance Plans

Amount Insurance

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: 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 ₹20 lakh protection

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How to Buy

How to Buy and Renew ₹20 Lakh Health Insurance?

Amount Insurance

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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Who Should Consider Buying a ₹20 Lakh Health Insurance Plan?

Sole Earning Family Members

If you're the only earning member in your family, a ₹20 lakh health insurance plan can offer peace of mind. It allows you to cover your entire family under one policy, making it easier to manage and ensuring everyone is protected. Whether it’s a sudden illness, surgery, or post-treatment care, this coverage helps you handle multiple medical needs without financial stress.

Families with Senior Citizens or Children

Older adults and young children often require more frequent or specialized medical attention. A ₹20 lakh plan provides a solid buffer against rising healthcare costs, ensuring your loved ones receive the care they need—whether it’s for regular check-ups or unexpected emergencies.

Individuals with Chronic Conditions

Managing chronic illnesses like diabetes, hypertension, or even critical conditions like cancer can be expensive. A ₹20 lakh health insurance plan ensures you’re covered for ongoing treatments, hospital stays, and follow-ups, reducing the burden on your finances.

Residents of Metro or Tier-1 Cities

Healthcare in cities like Mumbai, Delhi, or Bangalore can be costly. From surgeries to diagnostic tests, expenses add up quickly. A ₹20 lakh plan offers a practical solution, helping you afford quality care in top hospitals without compromising on treatment.

Claim Process for ₹20 Lakh Health Insurance

Cashless Claims

Step 1

Register your claim by using the Self-i App. You can also call us (+91-224890-3009) or send an email.

Step 2

Use the cashless network hospital locator widget below to find your nearest hospital.

Step 3

Visit any authorised hospital, we recommend going to a network 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

Register the claim via the app, website, email or by calling us.

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.

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Key Takeaways

With lifestyle diseases like diabetes, thyroid issues, fatty liver, and cancer on the rise often due to high-stress routines and unhealthy diets it’s more important than ever to have the right health coverage. A ₹20 lakh health insurance plan ensures you’re financially protected against a wide range of medical treatments, including advanced procedures like robotic surgeries and holistic care through AYUSH therapies.

This plan also covers essential healthcare services such as daycare procedures, preventive check-ups, and even home-based treatments so you’re supported at every stage of your health journey.

Already have a health insurance policy? You can enhance your existing coverage with our Super Top-up Plan a cost-effective way to increase your sum insured without buying a new policy. It’s a smart way to stay prepared for high medical expenses.

Plus, with the IndusInd Self-i app, filing claims is quick and hassle-free. Our dedicated support team is always ready to assist, ensuring a smooth and reliable experience for you and your family.

Author - Amount Health Insurance

Reliance General Insurance

Aapke Protection ka All-rounder

Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

₹20 Lakh health insurance starting at just ₹243 per month*!

A Crore-Level Promise for Your Health!

Get ₹20 Lakh 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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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.

Disclaimer:

*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.

Claim Settlement: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).

Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223

Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122

Health Gain Discount: Maximum discount applicable for Reliance Health Gain Policy is 40% excluding long term healthy discount(aggregate)

Health Super Top-Up UIN: The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.

Health Global UIN: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324

Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.