Health insurance in Mumbai starting at just ā¹243/month*
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Coverage Up to ā¹5 Crores*
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99.57% Claims Settled*
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10,000+ Network Hospitals*
Health Insurance in Mumbai
Mumbai, Indiaās financial centre, is home to well-known hospitals such as Kokilaben, Lilavati, and Hinduja. The cityās healthcare system attracts people from nearby towns, as well as patients from other states, for advanced treatment. At the same time, the cost of medical care has continued to rise. Even basic procedures can create pressure on personal savings.
Mumbai also deals with seasonal health issues, such as waterborne infections during the monsoon, respiratory problems from construction dust, and heat stress in the long summers. Additionally, the fast-paced city life has contributed to the increasing number of people dealing with lifestyle-related conditions that require long-term care.
To support the growing medical needs in Mumbai, IndusInd General Insurance (formerly Reliance General Insurance) offers health insurance plans tailored to the diverse needs of individuals and families. At a starting cost of just ā¹243/month*, our plans cover critical illnesses linked to air quality, OPD benefits for frequent doctor visits and quick digital claims support via Self-i App to fast-track your medical needs.
Why Buy Health Insurance in Mumbai?
Health Statistics and Major Health Problems in Mumbai
Mumbai faces serious health challenges across multiple areas. Vector-borne illnesses are common, with malaria and dengue cases peaking during the monsoon.
A major study showed that more than 26.86% of residents in certain areas of Mumbai suffer from high blood pressure, along with obesity and poor glucose control. The city has also seen a 530% jump in diabetes-related deaths over five years.
IndusInd General Insurance helps you access the right medical care in Mumbai without the stress of large bills or long claim delays. Whether itās a specialist consultation or a hospital stay, our plans are built to work smoothly across top hospitals in the city.
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 Mumbai
Types of IndusInd Health Plans in Mumbai
IndusInd Health Infinity Insurance
Higher coverage limit up to ā¹5 crore* with unlimited reinstatement gives you ongoing support even if you make multiple claims. This removes the stress of running out of cover during long or repeated treatments. You can also raise your sum insured by 30%* through the MoreCover add-on, giving you extra financial safety in Mumbaiās rising medical costs. For example, with a ā¹3 Cr SI, you can increase it by ā¹90 Lakh.
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IndusInd Health Gain Insurance
This plan covers hospital stays along with surgeries and treatments with an extensive sum insured ranging from ā¹3 lakh to ā¹1 crore*. It addresses both regular and emergency health needs without creating financial pressure. A practical choice for individuals and families looking for reliable protection that can be tailored. For example, you can include your spouse along with dependent parents and children under one sum insured.
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IndusInd Global Health Insurance
Covers you worldwide up to USD 1 million* for both emergency and scheduled treatments. You can activate this by adding our multi-trip rider to your policy. It gives you access to medical care abroad, which becomes important if you are travelling for a longer period or for treatments like cancer care. A good choice for frequent travellers, along with people working overseas or in global firms who want both national and international medical support.
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IndusInd Super Top-Up Health Insurance
This policy steps in after you cross your base plan and offers an additional amount of up to ā¹1.3 crore*. This works well when your main health plan runs out during expensive private treatments in Mumbai. For example, if a major surgery exhausts your ā¹15 lakh policy and you need to claim again for postoperative care, this cover helps you cover those extra costs.
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Key Features of IndusInd Medical Plans in Mumbai
We offer broad coverage options, including global support, bonuses that grow your SI after every year without a claim and flexible features suited for every Mumbai resident:
| Features | Details |
|---|---|
Premiums | Starts at ā¹243 per month* |
Discounts | 40%* + 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 | ā |
Day Care Procedures & OPD Cover | ā |
Ambulance Cover | Up to ā¹3,500 per hospitalisation* |
Health Check-Ups | ā |
Domiciliary Hospitalisation | ā |
Maternity Coverage | Up to ā¹2 lakhs* |
Organ Donor Expenses | ā |
Covid-19 Treatment | ā |
Critical Illness Cover | ā |
Co-Payment Options | ā |
Add-Ons & Optional Riders | 20+ Add-Ons* |
Disclaimer: Coverage limits are subject to change based on your chosen plan. Please refer to your policy wordings here.
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 depend on your selected plan. For the full list of Inclusions and Exclusions, please refer to the policy wordings.
Need help buying health insurance in Mumbai?
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Key Takeaway
Mumbai is known for its advanced healthcare system, with some of the best doctors and finest medical facilities in the city. However, it is also one of the costliest cities in terms of healthcare.
IndusInd Health Insurance (formerly Reliance Health Insurance) offers strong medical support for Mumbai families managing high treatment costs and seasonal health risks. Our health plans connect you with over 10,000 cashless hospitals* across India so you can get treatment without payment delays.
Starting at ā¹243 per month*, you receive coverage up to ā¹5 Crores*, providing you with extensive protection at affordable premiums. With a claim settlement ratio of 99.57%*, you donāt wait long for help when itās needed the most. Additionally, lifelong renewability ensures your protection continues without age restrictions, while tax savings help reduce your yearly burden.
Donāt let medical costs put your savings or your familyās well-being at risk. Choose IndusInd Health Insurance (formerly Reliance Health Insurance) for affordable cover, trusted medical access and support that stands by you when health becomes your top concern.
IndusInd Network Hospitals in Mumbai
10,000+ Hospitals at Your Fingertips!
Get cashless care at top hospitals across Mumbai. With IndusInd General Insurance, you get instant access to reliable medical services near you.
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