Health insurance in Delhi starting at just ₹243/month*
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Coverage Up to ₹5 Crores*
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99.57% Claims Settled*
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10,000+ Network Hospitals*
Health Insurance in Delhi
Delhi, India's bustling capital, is home to some of the country's most advanced medical facilities and renowned hospitals like AIIMS, Fortis and Apollo. The city's world-class healthcare infrastructure attracts patients from across the nation seeking specialised treatments. However, rising medical costs have made quality healthcare increasingly expensive, with even routine procedures costing a significant amount of money.
Delhi residents also face seasonal health challenges from severe air pollution during winter months, waterborne diseases during monsoon and heat-related illnesses in summer. The fast-paced urban lifestyle has also contributed to stress-related health issues requiring regular medical attention.
To address these growing healthcare needs in Delhi, IndusInd General Insurance (formerly Reliance General Insurance) offers health insurance plans specifically designed for Delhi's healthcare landscape, offering extensive coverage across the city's top hospitals. Our coverage includes critical illnesses - ideal for pollution-related health risks, OPD coverage - perfect for frequent consultations and app-based claims processing suited for the tech-savvy urban population.
Why Buy Health Insurance in Delhi
Health Statistics and Major Health Problems in Delhi
Delhi faces significant health challenges across multiple fronts. Vector-borne diseases remain a concern, with 200 dengue cases. Plus, air pollution continues as a major threat, requiring a 62% reduction in PM2.5 levels to meet national standards. Delhi also leads India in pollution-related deaths at 12,000 annually from short-term exposure alone.
Why Choose IndusInd Health Plans in Delhi
IndusInd General Insurance provides top-notch services that help you get quality healthcare services in Delhi, without worrying about out-of-pocket expenses with quick claim settlement.
Up to 40% Discount*
More coverage & more savings!
20+ Add-On Covers*
Customise your plan to your needs
AYUSH+Modern Treatments*
Get 100% SI coverage on both*
24/7 Customer Support*
Quick support anywhere in Delhi
Types of IndusInd Health Plans in Delhi
IndusInd Health Infinity Insurance
Extensive coverage up to ₹5 crore* with unlimited reinstatement ensures continuous protection even after multiple claims. Suitable for those who need high coverage without claim restrictions or coverage gaps. Our plan also offers the option to increase your sum insured by 30%* under the MoreCover add-on, providing enhanced financial protection for Delhi’s rising healthcare costs. For ex, if you have a ₹3 Cr SI, you can get ₹90 Lakh additional cover with this add-on.
IndusInd Health Gain Insurance
You're covered for hospitalisation, surgeries and treatments with a sum insured from ₹3 lakh to ₹1 crore*, ensuring all routine and emergency healthcare needs are covered. Perfect for individuals and families seeking extensive coverage with flexible customisation options. For ex, if you want to cover your entire family, including your spouse, dependent children and parents under the same SI, this plan is an ideal choice. It allows you to customise with add-ons and different plan variants.
IndusInd Global Health Insurance
Provides worldwide coverage of up to USD 1 million* for planned and emergency treatments across international locations. Emergency medical treatment coverage is available when you add our multi-trip rider to your policy. Ideal for frequent travellers, expatriates and professionals working in MNCs requiring quality international + national healthcare with high coverage in USD for emergency and planned treatments, such as cancer care.
IndusInd Super Top-Up Health Insurance
Acts as financial backup once annual medical expenses exceed the deductible limit, covering additional costs up to ₹1.3 crore*. For example, if you exhausted your ₹10 lakh health insurance for your father's surgery and need to make a second claim for his post-operative care. Then, this insurance will act as a secondary coverage for your other needs, making it ideal for Delhi residents facing the city’s high medical costs.
Key Features of IndusInd Medical Plans in Delhi
We offer extensive coverage features, which include global coverage, bonuses that increase your SI after every claim free year and customisable coverage for every Delhi citizen:
| Features | Features |
|---|---|
Premiums | Starts at ₹243 per month* |
Discounts | 35%* + Cumulative Bonus |
Coverage | Sum Insured up to ₹5 Crores* |
Global Sum Insured | Up to $1 Million* |
Sum Insured Restoration | Unlimited restoration |
Renewability | Lifelong renewability |
Quick Claims Settlement | Settled in 4 hours* + 100% Digital Claims |
Network Hospitals | Over 10,000* |
Pre- and Post-Hospitalisation | 90 days* before and 180 days* after |
No Room Rent Capping | |
Day Care Procedures & OPD Cover | |
Ambulance Cover | Up to ₹3,500 per hospitalisation* |
Health Check-Ups | |
Domiciliary Hospitalisation | |
Maternity Coverage | Up to ₹2 lakhs* |
Organ Donor Expenses | |
Critical Illness Cover | |
Co-Payment Options | |
Add-Ons & Optional Riders | 20+ Add-Ons* |
Health Insurance in Delhi: Inclusions and Exclusions
What is Covered?
Hospital Expenses: Covers in-patient hospitalisation, pre/post hospitalisation costs, day care procedures and ambulance charges for comprehensive medical protection.
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.
AYUSH & Modern Treatments: Coverage for traditional AYUSH therapies (Ayurveda, Yoga, Unani, Siddha, Homoeopathy) and advanced treatments like robotic surgery and stem cell procedures.
Maternity & Newborn Care: Prenatal, postnatal, delivery expenses and newborn medical care coverage up to ₹2 lakh* for growing families under this add-on.
Global Emergency Cover: Medical emergency treatment costs are covered abroad for up to 45 days* with a minimal deductible during international travel.
Accident & Illness Protection: Deductible waived for accidents and premium waiver for one year* upon critical illness diagnosis for financial relief.
OPD & Home Care Services Outpatient consultations, diagnostic tests, pharmacy expenses and home-based ICU setup coverage for convenient treatment options.
Annual Health Rewards: Cumulative bonus up to 50%* for every claim-free year, plus free health check-up after 3 years* of policy continuation.
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 an initial 30-day waiting period.
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.
Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
Trusted health coverage starts with the right advice
Call our Delhi team today!
How to Buy/Renew IndusInd Health Insurance in Delhi?
Buy Online
Scroll up to the top of this page and enter your details. For quick premium quotes, use the calculator below.
Enter your gender, DOB, PIN code and the number of people you'd like to insure.
Select your sum insured amount, policy tenure and any add-ons you require.
Enter your PAN number and DOB, and finish the CKYC process.
Pay securely online to receive your health insurance policy via email.
Renew Online
Go to the form at the top of this page and click on "Renewal". You can also tap "InstaRenew" on the Self-i app.
Provide your registered mobile number or existing health insurance policy number.
Review and verify your current policy details and modify coverage if needed.
Add optional coverage or change the sum insured amount as per your requirements.
Pay the renewal premium amount and get your insurance policy renewed immediately.
How to File an IndusInd Health Insurance Claim in Delhi?
Cashless Claims
Step 1
Call our helpline +91 48903009 or use the Self-i App to register a claim.
Step 2
Visit any of our network hospitals or approved non-network hospitals for treatment. Use the cashless network hospital locator widget below to find your nearest hospital.
Step 3
Submit pre-authorisation form within 24 hours for emergency or 48 hours before planned treatment.
Step 4
Provide all required medical reports and bills directly to the hospital staff.
Step 5
We will settle your medical bills directly with the hospital without payment.
Reimbursement Claims
Step 1
Inform us about your claim via helpline, email, or our Self-i App.
Step 2
Visit any authorised hospital of your choice and receive the required medical treatment.
Step 3
Pay all hospital bills and medical expenses upfront from your own pocket.
Step 4
Submit scanned documents within 7 days, including bills, reports and payment receipts.
Step 5
We will review your documents and reimburse the eligible medical expenses amount.
Key Takeaway
IndusInd Health Insurance (formerly Reliance General Insurance) provides complete medical protection designed for the families of Delhi facing rising healthcare costs and pollution-related health challenges. Our comprehensive plans offer access to over 10,000 cashless hospitals* nationwide, which ensures you receive quality treatment without upfront payments.
Starting at just ₹243 monthly*, you get coverage up to ₹5 Crores*, meaning your protection never runs out. With our 99.57% settlement ratio* and 4-hour claim processing*, you receive quick financial support during medical emergencies. Our lifelong renewability feature ensures continuous protection without age restrictions while tax-saving benefits help reduce your annual tax burden.
Don't let medical emergencies destroy your savings or compromise your family's future. Choose IndusInd Health Insurance (formerly Reliance General Insurance) for reliable protection, quality healthcare access and complete financial security at an affordable price that safeguards your family's stability when health matters most.
Reliance General Insurance
Aapke Protection ka All-rounder
Get Delhi health insurance starting at ₹243/month*!
10,000+ Hospitals at Your Fingertips!
Get cashless treatment at Delhi’s top hospitals without payment hassles. With IndusInd General Insurance, you get instant access to quality healthcare across the city
Relevant Links for Health Insurance
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Frequently Asked Questions (FAQs)
Do you offer NRIs health insurance in Delhi?
Yes, IndusInd General Insurance provides comprehensive health insurance plans for NRIs living in Delhi. Our policies offer extensive coverage, including cashless treatment at network hospitals, emergency medical expenses and pre-existing disease coverage after waiting periods. NRIs can easily purchase and renew policies online with 24/7 customer support* for seamless healthcare protection.
Which is the best medical insurance in Delhi?
The best health insurance in Delhi depends on the coverage you need and your budget. Consider factors like the sum insured amount, waiting periods, hospital network and premium costs. IndusInd General Insurance (formerly Reliance General Insurance) offers various plans with different benefits. Compare different plan features and choose the policy that best matches your requirements and financial capacity.
What documents are needed to claim health insurance in Delhi?
You need the original claim form, medical reports, original bills, payment receipt, doctor’s prescription, discharge summary, pharmacy bills, FIR (if applicable), and any other document required by us for processing your claim.
Why should I buy medical insurance at a younger age?
You can consider buying health insurance at a younger age for the following reasons:
- Younger individuals are also bound to be affected by various health concerns these days.
- Benefit from lower premium rates due to lower health risks.
- Accumulate higher discounts on premiums during long-term coverage.
- Younger individuals can get extensive coverage at an affordable premium.
How much health insurance coverage do you need in Delhi?
For Delhi residents, we recommend health insurance coverage of at least ₹10 lakhs, or 50% of your annual income, whichever is higher. Consider Delhi's high medical costs, pollution-related health risks and premium hospital charges. We offer flexible sum insured options from ₹3 lakhs to ₹5 crores* to match your coverage needs.
How to find the best health insurance in Delhi?
First, assess your requirements by considering your health condition, family medical history, lifestyle and income. Then, compare different policies based on features and benefits. Understand waiting periods, inclusions and exclusions. Finally, use an online premium calculator to find the perfect option that meets your needs.
What are the best wellness and prevention tips for Delhi residents?
To stay healthy in Delhi's polluted environment, always wear masks when going outside and install air purifiers to keep your home air clean. Avoid outdoor activities on high-pollution days and add indoor plants to naturally purify your living space. Focus on eating healthy foods, drinking plenty of water and exercising regularly to boost your immunity.
How can I effectively manage my family health insurance policy?
Keep all policy documents organised and review coverage annually. Understand your policy benefits, network hospitals and claim procedures. Maintain updated medical records and inform your insurer about any health changes. Schedule regular health check-ups for early detection. Pay premiums on time to avoid policy lapses and ensure continuous coverage for your family.
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 Super Top-Up UIN: The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.
Heath Global UIN: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324
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