50 Lakh Health Insurance Plan 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
50 Lakh Health Insurance
If you are someone who is seeking comprehensive coverage, then a ₹50 lakh health insurance plan is the ideal choice. This plan is most useful for advanced treatments and multiple medical needs in a year. Overall, it's a safeguard against all your emergency medical needs.
Healthcare costs in metropolitan cities such as Bangalore, Mumbai, and Delhi are extremely high. Cancer care, heart surgery, and long ICU stays can cost in lakhs. That's where this plan comes into play. With a ₹50 lakh insurance plan, you get overall protection for your medical needs.
At IndusInd General Insurance (also known as Reliance General Insurance), our ₹50 lakh health plans are designed to offer robust protection at modest premiums. With restore benefits, no room rent limit, quick cashless claim, this plan protects you against advanced treatments, letting you focus on your health while we handle your expenses.
Why Buy a ₹50 Lakh Health Insurance Plan?
Increasing Healthcare Costs
Medical expenses are rising fast. This makes lower sum insured policies insufficient. A ₹50 lakh plan offers ongoing, sufficient coverage for the future.
Family Protection
A ₹50 lakh plan can be perfect for a small nuclear family, covering your spouse and dependent children if you live in a metro city with high healthcare costs. It acts as a safety net for sudden medical emergencies and planned treatments.
Critical Illness Cover
Critical illnesses like cancer and heart surgery are costly. A ₹50 lakh plan easily covers these treatments, including second opinions, repeat hospitalisations, and post-surgery care.
Cashless Treatment
With ₹50 lakh health insurance, you can get quick access to medical facilities without paying a large sum of money. Visit a network hospital, present your health card, and obtain the necessary approvals to initiate treatment.
Medical costs are increasing daily. Our health insurance plans provide coverage against the rising cost of medical treatments and offer comprehensive medical services. We ensure that healthcare remains accessible to you at times of need.
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 ₹50 Lakh Health Insurance Policies
Health Infinity Insurance
This is an extensive insurance plan designed for professionals and modern families seeking comprehensive coverage without limits. It provides sum insured from ₹3 lakh up to ₹5 crore, diagnostics, OPD, rehab, consumables, and home care with wellness perks, annual checkups, inflation shield, and NCB. This plan is perfect for urban HNIs, corporates, and large families seeking complete protection.
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Health Gain Insurance
IndusInd Health Gain is a flexible health insurance plan that allows you to choose what you need. It offers coverage in India only, with a sum insured ranging from ₹3 lakh up to ₹1 crore. It offers benefits such as smart OPD add-ons, reinstatement of the sum insured, shorter waiting periods, and co-payment options. This plan suits growing families and urban professionals as it offers family cover and long-term discounts.
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Health Global Insurance
IndusInd Health Global Insurance Plan is a policy that works beyond borders. It is designed for NRIs, HNIs, and frequent flyers who need healthcare accessible anywhere in the world. It provides global coverage up to USD 1 million, with optional unlimited reinstatement, India coverage, yearly no-claim bonus, home care, and OPD add-ons. It also offers concierge services, including travel and visa support. It is designed to give borderless, seamless protection for a global lifestyle.
IndusInd Health Super Top Up Insurance
If you are looking for extra protection beyond your basic insurance plan, then the IndusInd Health Super Top-Up Plan is for you! It provides additional protection to your plan with sums insured from ₹5 lakh to ₹1.3 crore. It covers major medical expenses, including maternity, AYUSH, hospitalisation, and air ambulance charges. Not only this, but perks like NCB benefits, deductible buyback, and premium waiver on critical illness make it perfect to strengthen your family’s health needs.
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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 ₹50 Lakh protection
Who Should Consider ₹50 Lakh Health Insurance?
Large Families
Families with a large number of dependents, like older parents or children, have regular medical needs. These families can choose a large sum insured up to ₹50 lakhs.
Families With A History Of Serious Illness
Some families have a history of serious illnesses such as cancer, diabetes, etc. Such families should purchase a high sum-insured policy and create a safeguard in advance.
Individual With Pre-existing Conditions
All those who suffer from pre-existing conditions need regular treatments. These treatments are very expensive. That's why a high sum insured plan would be perfect for them. They would be able to manage the finances easily.
Up to 40% Discount
Quick Cashless Claims via IndusInd Insurance App
10,000+ Network Hospitals
Claim Process For ₹50 Lakh Health Insurance
Step 1
Register your claim through the IndusInd Insurance app. Also, you can 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 and submit your documents to ICare.
Step 4
The hospital's TPA desk will send us your medical expenses.
Step 5
Our team will then coordinate with the TPA team to settle your claims.
Step 1
If your cashless claim is denied, pay the hospital directly.
Step 2
Be sure to collect all receipts, bills, and diagnostic reports before leaving.
Step 3
Raise your claim through our app, email, or website.
Step 4
Upload necessary documents and file the claim form.
Step 5
You will be reimbursed once your request is reviewed.
Key Takeaways
Medical expenses in India are escalating rapidly, primarily due to the cost of advanced treatments and critical illnesses. But with the IndusInd ₹50 lakh health insurance plan, it's easy and manageable. The plan offers a strong safeguard against expensive medical treatments. It makes sure that you and your family stay protected against the skyrocketing cost of medical treatments. This policy is mainly beneficial for people living in metro cities, as here the healthcare costs are high.
What makes IndusInd ₹50 lakh health insurance different is its affordability and coverage. Customers benefit from cashless hospitalisation across 10,000+ network hospitals* with this plan. In addition to this, it also offers coverage for modern treatments, such as organ transplants, robotic surgeries, and AYUSH alternatives. This makes it relevant for a variety of medical needs.
Another plus point is its no-claim bonus* feature, where your sum insured rises every claim-free year. This way, you get more coverage without paying any extra amount. This plan is also available on a floater basis for families too. This means that one policy can cover all family members at a reasonable premium.
IndusInd General Insurance
Aapke Protection ka All-rounder
₹50 lakh health insurance starting at just ₹243 per month*!
₹50 Lakhs of Assurance for Every Stage of Life
Lock in your ₹50 lakh shield today and cover life’s unexpected moments! Our policies are designed with today's healthcare needs in mind to ensure you stay secure.
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