50 Lakh Health Insurance

If you are someone who is seeking comprehensive coverage, then a ₹50 lakh health insurance plan is the ideal choice. This plan is most useful for advanced treatments and multiple medical needs in a year. Overall, it's a safeguard against all your emergency medical needs.

Healthcare costs in metropolitan cities such as Bangalore, Mumbai, and Delhi are extremely high. Cancer care, heart surgery, and long ICU stays can cost in lakhs. That's where this plan comes into play. With a ₹50 lakh insurance plan, you get overall protection for your medical needs.

At IndusInd General Insurance (also known as Reliance General Insurance), our ₹50 lakh health plans are designed to offer robust protection at modest premiums. With restore benefits, no room rent limit, quick cashless claim, this plan protects you against advanced treatments, letting you focus on your health while we handle your expenses.

Why Buy a ₹50 Lakh Health Insurance Plan?

Increasing Healthcare Costs

Medical expenses are rising fast. This makes lower sum insured policies insufficient. A ₹50 lakh plan offers ongoing, sufficient coverage for the future.

Family Protection

A ₹50 lakh plan can be perfect for a small nuclear family, covering your spouse and dependent children if you live in a metro city with high healthcare costs. It acts as a safety net for sudden medical emergencies and planned treatments.

Critical Illness Cover

Critical illnesses like cancer and heart surgery are costly. A ₹50 lakh plan easily covers these treatments, including second opinions, repeat hospitalisations, and post-surgery care.

Cashless Treatment

With ₹50 lakh health insurance, you can get quick access to medical facilities without paying a large sum of money. Visit a network hospital, present your health card, and obtain the necessary approvals to initiate treatment.

Why Choose

Why Choose Our ₹50 Lakh Health Insurance?

Medical costs are increasing daily. Our health insurance plans provide coverage against the rising cost of medical treatments and offer comprehensive medical services. We ensure that healthcare remains accessible to you at times of need.

Amount Insurance

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 ₹50 Lakh Health Insurance Policies

IndusInd Health Infinity Insurance

This is an extensive insurance plan designed for professionals and modern families seeking comprehensive coverage without limits. It provides sum insured from ₹3 lakh up to ₹5 crore, diagnostics, OPD, rehab, consumables, and home care with wellness perks, annual checkups, inflation shield, and NCB. This plan is perfect for urban HNIs, corporates, and large families seeking complete protection.

Explore Plan

IndusInd Health Gain Insurance

IndusInd Health Gain is a flexible health insurance plan that allows you to choose what you need. It offers coverage in India only, with a sum insured ranging from ₹3 lakh up to ₹1 crore. It offers benefits such as smart OPD add-ons, reinstatement of the sum insured, shorter waiting periods, and co-payment options. This plan suits growing families and urban professionals as it offers family cover and long-term discounts.

Explore Plan

IndusInd Health Global Insurance

IndusInd Health Global Insurance Plan is a policy that works beyond borders. It is designed for NRIs, HNIs, and frequent flyers who need healthcare accessible anywhere in the world. It provides global coverage up to USD 1 million, with optional unlimited reinstatement, India coverage, yearly no-claim bonus, home care, and OPD add-ons. It also offers concierge services, including travel and visa support. It is designed to give borderless, seamless protection for a global lifestyle.

Explore Plan

IndusInd Health Super Top Up Insurance

If you are looking for extra protection beyond your basic insurance plan, then the IndusInd Health Super Top-Up Plan is for you! It provides additional protection to your plan with sums insured from ₹5 lakh to ₹1.3 crore. It covers major medical expenses, including maternity, AYUSH, hospitalisation, and air ambulance charges. Not only this, but perks like NCB benefits, deductible buyback, and premium waiver on critical illness make it perfect to strengthen your family’s health needs.

Explore Plan

Inclusions & Exclusions

Inclusions and Exclusions of ₹50 Lakh Health Insurance Plans

Amount 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.

Amount Insurance

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 ₹50 Lakh protection

Call Us

How to Buy

How to Buy and Renew ₹50 Lakh Health Insurance?

Amount 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.

Amount Insurance

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.

Homepage Curated Plans Client Extension

Who Should Consider ₹50 Lakh Health Insurance?

Large Families

Families with a large number of dependents, like older parents or children, have regular medical needs. These families can choose a large sum insured up to ₹50 lakhs.

Families With A History Of Serious Illness

Some families have a history of serious illnesses such as cancer, diabetes, etc. Such families should purchase a high sum-insured policy and create a safeguard in advance.

Individual With Pre-existing Conditions

All those who suffer from pre-existing conditions need regular treatments. These treatments are very expensive. That's why a high sum insured plan would be perfect for them. They would be able to manage the finances easily.

Claim Process For ₹50 Lakh Health Insurance

Cashless Claims

Step 1

Register your claim through the Self-i App. Also, you can 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 and submit your documents to RCare.

Step 4

The hospital's TPA desk will send us your medical expenses.

Step 5

Our team will then coordinate with the TPA team to settle your claims.

Reimbursement Claims

Step 1

If your cashless claim is denied, pay the hospital directly.

Step 2

Be sure to collect all receipts, bills, and diagnostic reports before leaving.

Step 3

Raise your claim through our app, email, or website.

Step 4

Upload necessary documents and file the claim form.

Step 5

You will be reimbursed once your request is reviewed.

资产发布器

Our Network

Our trusted network for comprehensive coverage

Map
List

Key Takeaways

Medical expenses in India are escalating rapidly, primarily due to the cost of advanced treatments and critical illnesses. But with the IndusInd ₹50 lakh health insurance plan, it's easy and manageable. The plan offers a strong safeguard against expensive medical treatments. It makes sure that you and your family stay protected against the skyrocketing cost of medical treatments. This policy is mainly beneficial for people living in metro cities, as here the healthcare costs are high.

What makes IndusInd ₹50 lakh health insurance different is its affordability and coverage. Customers benefit from cashless hospitalisation across 10,000+ network hospitals* with this plan. In addition to this, it also offers coverage for modern treatments, such as organ transplants, robotic surgeries, and AYUSH alternatives. This makes it relevant for a variety of medical needs.

Another plus point is its no-claim bonus* feature, where your sum insured rises every claim-free year. This way, you get more coverage without paying any extra amount. This plan is also available on a floater basis for families too. This means that one policy can cover all family members at a reasonable premium.

Author - Amount Health Insurance

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.

₹50 lakh health insurance starting at just ₹243 per month*!

₹50 Lakhs of Assurance for Every Stage of Life

Lock in your ₹50 lakh shield today and cover life’s unexpected moments! Our policies are designed with today's healthcare needs in mind to ensure you stay secure.

View Plans

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

资产发布器

Homepage alternate CX

Relevant Links for Health Insurance

Reliance Health Gain Policy

Health Insurance Plans For Family

Health Insurance For Senior Citizens

Health Insurance Premium Calculator

Health Insurance For Parents

Critical Illness Insurance

Maternity Insurance

Personal Accident Insurance

Cashless Health Insurance

Arogya Sanjeevani Policy

Super Top Up Health Insurance

Group Mediclaim Policy

International Health Insurance

Health Insurance For Kids

Individual Health Plans

Insurance For Disabled

Reliance Health Infinity Insurance

Saral Suraksha Bima

Hospi Care Insurance

Health Insurance for Top Locations

Health Insurance In Hyderabad

Health Insurance In Chennai

Health Insurance In Mumbai

Health Insurance Pune

Health Insurance Kolkata

Health Insurance In Jaipur

Rajasthan Health Insurance

Health Insurance Noida

Health Insurance Chandigarh

Health Insurance West Bengal

资产发布器

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 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.