Health Insurance in Chennai

The cultural capital of South India, Chennai, is not only an economic hub but also a city known for its advanced medical infrastructure. The residents of Tamil Nadu rely on its strong network of multispecialty hospitals for quality care. However, ailments such as diabetes, heart problems, and hypertension are on the rise in Chennai and with them are the soaring costs of healthcare services.

Considering this, health insurance in Chennai has become essential for every individual, regardless of their age, gender, or fitness level. Imagine being diagnosed with a severe medical condition that needs immediate medical attention. The hospital bills for such treatment could easily run into lakhs. With health insurance, these medical costs are covered, allowing you to focus on your recovery rather than last-minute money arrangements.

IndusInd Health Insurance addresses these concerns with health plans that not only offer financial support but also make top healthcare services accessible with a network of 10,000+ hospitals*. With coverage up to ₹5 crores*, Chennai’s residents can access quality treatments without draining their savings and enjoy a quick app-based settlement of their claims.

Why Buy Health Insurance in Chennai?

High Healthcare Costs

The healthcare facilities in Chennai are trusted across India. However, this quality comes at a price. Whether it is routine check-ups or advanced surgeries, the cost for treatments is continually on the rise.

Lifestyle-Related Health Concerns

With an increase in health concerns like diabetes, hypertension, and cardiac issues in Chennai, health insurance has become indispensable. You get coverage for ongoing treatment, diagnostics, and more.

Quick Cashless Claims

During an emergency, it can be challenging to immediately access funds. IndusInd Health Insurance offers cashless treatment across hospitals in Chennai. We directly settle your hospital bills, so there is no stress about arranging funds.

Unlimited SI Reinstatement

Recurring illness or getting treatments multiple times in a year may exhaust coverage. However, our unlimited sum insured (SI) reinstatement ensures individuals are protected all year round. Simply put, your coverage is restored even if it is fully exhausted.

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Statistics and Major Health Problems in Chennai

The rising health challenges in Chennai are a result of lifestyle factors as well as infectious diseases. According to the STEPS survey, as many as 33.9% of adults in Tamil Nadu suffer from hypertension and 17.6% from diabetes.

Additionally, vector-borne diseases are a concern for Chennai, with a rise in dengue cases from 381 in 2024 to 522 in 2025.

Why Choose

Why Choose IndusInd Health Plans in Chennai

IndusInd General Health Insurance ensures individuals can access top medical facilities without straining their finances. Acknowledging concerns such as a rise in lifestyle-related ailments and the inflated cost of treatments, our policies offer wide coverage and quick support whenever needed.

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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 Chennai

Types of IndusInd Health Plans in Chennai

IndusInd Health Infinity Insurance

IndusInd Health Infinity Insurance offers coverage of up to ₹5 crore* with unlimited reinstatement of the sum insured. This is particularly beneficial in Chennai, where families often need repeated hospitalisations when dealing with conditions such as cardiac issues and more. This policy promises you will never exhaust your cover, regardless of how many claims you raise. You can also increase your SI by 30%* with an optional MoreCover add-on for added financial security.

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IndusInd Health Gain Insurance

This policy offers comprehensive coverage ranging from ₹3 lakh to ₹1 crore*, making it ideal for those seeking protection against both routine and emergency medical expenses. It also covers hospitalisation, surgeries, diagnostics, and treatment for lifestyle-related conditions such as diabetes and hypertension that are common health problems in Chennai. Additionally, opt for a family floater plan to cover your spouse, children, and elderly parents under a single SI.

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IndusInd Global Health Insurance

With an extensive coverage of up to USD 1 million*, IndusInd Global Health Insurance offers protection not only in Chennai but all over the world. This plan is tailored for individuals who frequently travel overseas for work, higher education, or specialised medical procedures. Both emergency and planned procedures are covered internationally and in India under the plan. Whether you are a professional employed in an MNC in Chennai or a student pursuing their education abroad, quality healthcare is made accessible.

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IndusInd Super Top-Up Health Insurance

If you exhaust your base insurance coverage, our Super Top-Up plan offers an additional layer of protection. It provides up to ₹1.3 crore* coverage once the medical bills have surpassed the deductible limit. This is especially useful when seeking expensive treatments in the private hospitals in Chennai, where prolonged hospitalisation can quickly surpass basic policies. For instance, if an amount of ₹10 lakh under a base plan is exhausted for the surgery of a member, this top-up will take care of the subsequent claims, such as follow-up care or another emergency procedure.

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Key Features of IndusInd Health Plans in Chennai

We offer holistic benefits specially curated for insurance seekers in Chennai, including extensive coverage and lifelong renewability, along with cashless services across a wide network of hospitals. Our plans come with flexible add-on options and wellness benefits so every individual can access quality healthcare.

Parameter	Details
Premiums	Starting at ₹243 per month*
Discounts	Up to 40%* + Cumulative Bonus
Coverage	Up to ₹5 crores* Sum Insured
Global Sum Insured	Up to USD 1 Million*
Restoration of Sum Insured	Unlimited reinstatement*
Renewability	Lifelong
Quick Claims Settlement	Within 3 to 4 hours* along with digital claims filing
Network Hospitals	More than 10,000 across India*
Pre & Post-Hospitalisation	90 days before, 180 days after*
No Room Rent Capping
Day Care Procedures & OPD
Ambulance Cover	Up to ₹3,500 per hospitalisation*
Health Check-Ups
Domiciliary Hospitalisation
Maternity Coverage	Up to ₹2 lakhs*
Organ Donor Expenses
Covid-19 Treatment
Critical Illness Cover
Co-Payment Options
Add-Ons & Optional Riders	More than 20 add-on covers to choose from*

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Reliance’s online set up helps ease the process of purchasing a health plan.

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Disclaimer: Coverage limits are subject to change based on your chosen plan. Please refer to your policy wordings here .

Inclusions & Exclusions

Health Insurance in Chennai: Inclusions and Exclusions

Location - Health Insurance

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.

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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 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.

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How to Buy

How to Buy/Renew IndusInd Health Insurance in Chennai?

Location - Health Insurance

How to Buy

Scroll up to the top of this page and enter your details. For quick premium quotes, use the calculator below.

Enter your gender, DOaB, 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.

Location - Health Insurance

How to Renew

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.

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How to File

How to File an IndusInd Health Insurance Claim in Chennai?

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.

Disclaimer: For accurate claim-related information, kindly refer to our policy documents or get in touch with our experts.

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Key Takeaway

Medical surveys conducted revealed how individuals in Tamil Nadu have been dealing with lifestyle diseases such as hypertension, diabetes, etc. These ailments often require expensive and long-term treatment. Add to this the soaring cost of hospitalisation in private facilities, making health insurance in Chennai an essential financial requirement for families.

Here’s where IndusInd Health Insurance comes in. With high coverage of up to ₹5 crores*, policyholders can afford expensive treatments without worrying about medical bills and can focus on their recovery. Accessibility to a network of more than 10,000 hospitals* across India, including leading medical facilities in Chennai, ensures cashless care is readily available. Further, quick digital claim settlements and 24*7 customer support are ideal for insurance seekers looking for a reliable insurance plan.

Our policies are designed to address varying needs. Families who have been dealing with lifestyle diseases benefit from comprehensive protection, whereas frequent travellers from Chennai can opt for global health cover up to USD 1 million*. Similarly, individuals seeking extra protection may also opt for a Super Top-Up policy up to ₹1.3 crores* in case their SI would be exhausted. Moreover, add-ons such as Maternity Cover and Air Ambulance Cover provide further flexibility to align with specific insurance needs.

In a city with superior healthcare facilities alongside rising costs, health insurance is a critical investment. Get your health insurance today!

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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.

Get Chennai health insurance starting at ₹243/month*!

10,000+ Hospitals at Your Fingertips!

Get cashless treatment at Chennai's top hospitals without payment hassles. With IndusInd General Insurance, you get instant access to quality healthcare across the city

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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 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