1 Crore 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*
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.
Maximise Tax Savings
You can save up to ₹1 lakh* annually on your premium payments under Section 80D of the Income Tax Act - under the old tax regime. This amount also includes any preventative health check-up costs paid for within the year up to ₹5,000*.
Modern Treatment Cover
You get coverage for new age treatments like stem cell therapy, which can cost around ₹32 lakhs, with our ₹1 Crore health insurance. This ensures you have a strong safety net even if treatment costs end up exceeding your initial estimates.
Why Choose Our ₹1 Crore 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.
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 IndusInd Health Insurance Policies
IndusInd Health Infinity Insurance
This is a high coverage health insurance plan with sum insured options from ₹5 lakh to ₹5 crore*. It’s perfect for anyone looking for a ₹1 Crore health insurance plan that will cover most, if not all, their healthcare costs from quick OPD consultations to major organ transplants costing lakhs. Under this plan, you also get the option to increase your SI by 30%* under the “More Cover” benefit at no extra cost.
IndusInd Health Gain Policy
This is a family-focused health insurance policy with 3 variants - Plus, Power and Prime, offering varying coverage options. For example, if you need constant medical care or want to cover your family members against rising costs, you can choose the Prime Variant. This plan offers high SI ranging from ₹3 lakh to ₹1 crore*, with unlimited restoration of SI. It includes coverage for up to 12 family members*.
IndusInd Health Global Policy
This plan is designed to provide coverage for planned treatments abroad and medical treatments in India (optional). It offers coverage up to USD 1 million* (approx ₹87 million*) for global treatments and unlimited SI* for treatments in India. It also covers accommodation and visa costs. So, if you're getting treatment in London and need surgery in Mumbai, this ₹1 Crore plan covers you in India and abroad, without the stress of separate plans.
IndusInd Health Super Top-up
Enhance your existing health insurance coverage to ₹1 Crore with our Super Top-up plan. For instance, if you wish to enhance your existing health insurance coverage to ₹1 crore, this plan can supplement your medical needs should you exhaust your primary plan's SI. Our plan offers added coverage from ₹5 lakh to ₹1.3 crore* and covers inpatient, outpatient, and day care treatments. You get all this and more bundled in one powerful top-up plan!
Inclusions and Exclusions of ₹1 Crore Health 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.
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 ₹1 crore protection
How to Buy and Renew ₹1 Crore Health 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.
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.
Who Should Consider Buying ₹1 Crore Health Insurance?
Sole Earning Family Members
If you’re the sole breadwinner of your family, a ₹1 crore health policy can help cover your whole family under one plan. For example, you could file multiple claims a year – one family member may fall ill, one may need surgery and post-op care, etc. – and still have enough coverage leftover. In other words, a ₹1 crore health policy ensures all your family members get coverage for treatment. It also makes policy management easy for you, since you won't have to keep track of multiple health insurance plans.
Families With Senior Citizens or Children
Parents or grandparents can have higher health risks, and children may sometimes need costly medical treatments in case of an emergency or unexpected illness. These costs can quickly exhaust a basic health policy. That’s why we recommend higher coverage plans when senior citizens or young dependents are involved. A ₹1 crore health insurance policy can easily account for regular healthcare costs and unexpected medical emergencies, so your older family members and children stay covered.
Anyone With A Chronic Condition
If you or a family member has a chronic health condition like high blood pressure, diabetes, or a critical illness like cancer, then regular treatments are essential to manage symptoms. A ₹1 crore health insurance plan ensures you have access to quality healthcare. It also ensures you don't skip treatment if treatment costs start to put a strain on your finances. You also won’t have to worry about coverage running out since you get such a high sum insured amount.
Metro/Tier-1 City Residents
Healthcare in metro cities like Delhi, Mumbai, Bangalore and Chennai is more expensive, especially if you're getting treated at a private hospital. For instance, heart surgery can cost around ₹1.95 - ₹5.25 lakhs – and this is just the cost of surgery, you also need to account for costs like post-op care, medicine and follow-up consultations. Even basic tests like an X-ray can cost around ₹600*. Hence, having a high SI plan like ₹1 crore health insurance is a necessity.
Up to 40% Discount*
Quick Cashless Claims via Self-i
10,000+ Network Hospitals*
Claim Process for ₹1 Crore 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.
Key Takeaways
Lifestyle diseases, such as cancer, thyroid imbalances, fatty liver and diabetes, are on the rise due to high-stress lifestyles and poor diet. To ensure you are adequately covered, our ₹1 Crore health insurance plan covers medical treatments, including modern treatments like robotic surgery and alternative treatments at AYUSH facilities. You also get access to essential medical care, through day care procedures, preventive care and home-based treatments.
Plus, if you're not looking to buy a new health policy and are already covered under an existing plan, we also offer a super top-up plan as an alternative. It's a less expensive way to boost your coverage, and our super top-up plan offers coverage up to ₹1.3 Crores* to ensure you have more than enough coverage.
Beyond the financial benefits our plans offer, you can also file quick claims through the Self-i app and get assistance via our dedicated customer support team, making managing your healthcare needs a seamless experience. We ensure all-around and reliable protection for you and your family.
Reliance General Insurance
Aapke Protection ka All-rounder
₹1 Crore 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.
Relevant Links for Health Insurance
Health Insurance for Top Locations
FAQs About ₹1 Crore Health Insurance Plans
Is it worth buying ₹1 crore health insurance in India?
If you live in Tier-1 cities, or if one of your family members have extensive medical requirements, then ₹1 crore medical insurance is definitely worth buying.
What is the tenure of a ₹1 crore health insurance policy?
At IndusInd General Insurance, you can buy an annual health insurance policy or choose between 2/3/5 years*.
What is the eligibility for ₹1 crore health insurance?
We offer these plans to adults between the age group of 18 years and 65 years and dependent children between 91 days to 25 years. An initial waiting period of 15-30 days is applicable for all claims, except for accidental claims.
Is 1 crore health insurance enough for a family of 6 members?
This depends on multiple factors, such as your location, age and family health condition. In most cases, a health insurance policy with ₹1 Crore sum insured is enough to cover a family's medical emergencies.
Does IndusInd General Insurance offer ₹1 crore health insurance for senior citizens?
Yes. We offer plans like IndusInd Health Gain (previously known as Reliance Health Gain) and IndusInd Health Infinity (previously known as Reliance Health Infinity) that offer a ₹1 Crore sum insured option and excellent coverage for senior citizens.
What documents are needed for a ₹1 crore Health Insurance plan purchase?
- Age Proof (birth certificate, passport, Aadhaar, etc.)
- Address Proof (Voter ID, Utility bills, Ration Card, etc. )
- Identity Proof (PAN card, passport, Aadhaar card, etc. )
- Medical Reports (may be needed based on age and health conditions)
- C-KYC Process (you need to complete the C-KYC process set by IRDAI)
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.
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