Buy IndusInd Health Insurance in Chandigarh starting at just ā¹243/month*
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99.57% Claims Settled
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Diverse range of plans
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10,000+ Network Hospitals
Health Insurance in Chandigarh
Chandigarh, Indiaās first planned city, is known for its clean environment, modern infrastructure, and high standard of living. With top-tier hospitals like PGIMER, Fortis, and Max Super Speciality Hospital, the city offers advanced medical care. However, rising treatment costs and increasing lifestyle diseases have made healthcare expensive even routine consultations and diagnostics can strain household budgets.
Chandigarhās residents face unique health challenges, including high obesity rates, hypertension, and pollution-related respiratory issues. The cityās air quality has deteriorated in recent years, with AQI levels often crossing safe limits. Additionally, mental health concerns and chronic illnesses like diabetes are on the rise.
To address these evolving healthcare needs, IndusInd General Insurance (formerly Reliance General Insurance) offers health insurance plans tailored for Chandigarhās urban lifestyle. Our policies provide extensive coverage across the cityās top hospitals, including critical illness protection, OPD benefits, and app-based claim processing for tech-savvy users. With family floater options and wellness rewards, we ensure complete financial protection for Chandigarhās health-conscious population.
Why Buy Health Insurance in Chandigarh
Health Statistics and Major Health Problems in Chandigarh
Chandigarh faces a dual burden of non-communicable and pollution-related diseases. The city has one of the highest obesity rates in India at 13.6%, and diabetes prevalence is nearly double the national average. Mental health disorders and hypertension are also widespread, with 35.5% of adults affected.
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 Chandigarh
Types of IndusInd Health Plans in Chandigarh
IndusInd Health Infinity Insurance
IndusInd Health Infinity Insurance offers extensive protection up to ā¹5 crore* with unlimited reinstatement, ensuring uninterrupted coverage even after several claims. This helps reduce the stress of exhausting your sum insured during prolonged or expensive treatments. Itās ideal for those who require high-value coverage without any claim limits or coverage breaks. You can also enhance your sum insured by 30%* with the MoreCover add-on, offering stronger financial security against Delhiās rising medical expenses. For instance, a ā¹3 Cr SI gives you ā¹90 Lakh extra cover.
IndusInd Health Gain Insurance
IndusInd Health Gain Insurance offers complete coverage for hospitalisation, surgeries, and treatments with a sum insured ranging from ā¹3 lakh to ā¹1 crore*. This all-inclusive health plan ensures youāre protected for both routine and emergency medical needs without financial burden. Itās an excellent choice for individuals and families looking for broad coverage with flexible customisation. For example, you can cover your spouse, dependent children, and parents under a single sum insured. The plan also allows add-ons and multiple variants for personalisation.
IndusInd Global Health Insurance
IndusInd Global Health Insurance offers international coverage of up to USD 1 million* for both planned and emergency treatments across the globe. Emergency care abroad is included when you opt for our multi-trip rider. This plan is essential for uninterrupted healthcare access while travelling, especially for long-term medical procedures. Itās an ideal solution for frequent travellers, expatriates, and professionals working in MNCs who need high-value global and domestic coverage for critical treatments like cancer or surgeries abroad.
IndusInd Super Top-Up Health Insurance
IndusInd Super Top-Up Health Insurance acts as a financial cushion once your annual medical expenses cross the deductible, covering extra costs up to ā¹1.3 crore*. It becomes vital when your base policy falls short during expensive private treatments in Delhi. For instance, if your ā¹10 lakh insurance is used for your fatherās surgery and you need to make another claim for his recovery, this plan steps in as secondary coverage. Itās ideal for Delhi residents facing high healthcare expenses.
Key Features of IndusInd Medical Plans in Chandigarh
We provide broad coverage benefits, including global protection, yearly bonuses that raise your SI after claim-free years, and flexible plans for every Chandigarh resident.
Key Features | Details |
|---|---|
Premiums | Starts at ā¹243 per month* |
Discounts | 35%* + Cumulative Bonus |
Coverage | Sum Insured up to ā¹5 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 ā¹3,500 per hospitalisation* |
Health Check-Ups | |
Domiciliary Hospitalisation | |
Maternity Coverage | Up to ā¹2 lakhs* |
Organ Donor Expenses | |
Covid-19 Treatment | |
Critical Illness Cover | |
Co-Payment Options | |
Add-Ons & Optional Riders | 20+ Add-Ons* |
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 ā¹2 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 Chandigarh team today!
Disclaimer: For accurate claim-related information, kindly refer to our policy documents or get in touch with our experts.
Key Takeaway
IndusInd Health Insurance (formerly Reliance General Insurance) offers robust medical protection tailored for families in Chandigarh dealing with rising treatment costs and pollution-related health risks. Our health plans provide access to over 10,000 cashless hospitals* across India, ensuring seamless treatment without upfront payments.
Starting at just ā¹243/month*, you receive coverage up to ā¹5 Crores*, giving you peace of mind that your protection wonāt run out. With a 99.57% claim settlement ratio* and 4-hour claim processing*, you get fast financial support during emergencies. Lifelong renewability guarantees uninterrupted coverage, while tax-saving benefits help reduce your annual tax burden.
Donāt let unexpected medical expenses drain your savings or disrupt your familyās future. Choose IndusInd Health Insurance for dependable coverage, quality care access, and complete financial protection at a price that secures your familyās well-being when health matters most.
Get Chandigarh health insurance starting at ā¹243/month*!
10,000+ Hospitals at Your Fingertips!
Get cashless treatment at Chandigarh's top hospitals without payment hassles. With IndusInd General Insurance, you get instant access to quality healthcare across the city
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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 ā¹3 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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