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Health Insurance Policy Online
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As per regulation, Individual & Family Floater health insurance policies starting Sept 22, 2025, will have 0% GST. Choose a start date on or after this to avail the benefit.
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Health insurance, also known as medical insurance, protects you and your family from the high costs of medical treatments. It provides financial support for planned and emergency medical expenses, including costs for hospitalisation, nursing, surgeries, medicines, day care treatment and doctor consultations.With rising healthcare costs and medical inflation increasing by 14% annually in India, health insurance has become a necessity. Imagine facing a ₹10 lakh hospital bill due to heart surgery without health insurance coverage. You will have to cover every expense from your pocket, including the doctor consultations, diagnostic tests and medicine, on top of the actual cost of surgery. With our comprehensive health insurance coverage, all these expenses are covered. At Reliance General Insurance, we offer online health insurance plans starting at just ₹243 per month* with streamlined cashless claims at 10,000+ network hospitals* across India. Our Self-i app also ensures quick claims registration and 24/7 customer support. As your health partner, we prioritise your health and well-being, providing you with a seamless experience.
Our tailor-made plans keep pace with medical advancements to ensure you have access to the most effective treatments available today and cater to your every need. Each health insurance plan can also be customised to your unique medical needs, giving you truly personalised protection. For instance, we have plans that offer protection up to ₹5 Crores, unlimited SI restoration and a short 12-month waiting period* for pre-existing disease coverage. Our plans also offer India and global coverage.
With AI-led insurance solutions, a fast, efficient and seamless claims process and a customer-first approach, we make sure you receive the care you deserve.
As of 2024, about 62% of healthcare costs are still paid out of pocket, and 1 in 4 hospital bills required people to borrow money to pay them. To put this into perspective, a typical private hospital childbirth (C-section) can cost ₹50,000 - ₹1 lakh, a simple appendix surgery around ₹46,000 and cancer surgery upwards of ₹1 lakh to several lakhs. Most people struggle to pay these high medical costs, and that is why having a health insurance plan is essential.With Reliance health Insurance, you get a high sum insured of up to ₹5 Crores and 20+ add-on covers* to ensure you're fully covered for all your healthcare needs.
The yearly premiums you pay for health insurance are tax-deductible up to ₹1 lakh* under Section 80D, based on who’s covered under your plan. This overall limit also includes any preventive health check-ups paid for within the year up to ₹5,000*. In case you bought a multi-year plan and paid the entire premium upfront, you can still claim up to the deduction limit. E.g., if you bought a 2-year plan and paid ₹40,000, you can claim ₹20,000 for each of the 2 years.The tax deduction limit for those under 60 years is ₹25,000* and for those over 60 years is ₹50,000*. If you want to know your exact tax deduction limit based on who's covered under your health insurance plan, you can check our blog on health insurance tax deductions.
Chronic conditions like asthma, diabetes or arthritis that require regular visits to the hospital and emergency hospitalisations can end up fully depleting your sum insured. But if you’ve got an Reliance health insurance plan, we offer automatic restoration of your sum insured when it is fully exhausted. For example, if you use your ₹5 lakh cover for a surgery, the entire amount is instantly reinstated for future claims within the same policy year, subject to policy terms*.Note: We offer this benefit for all subsequent claims on both related and unrelated illness/injury, starting from the next claim. But to get coverage for related illness/injury, you will need to get the Unlimited Restore Benefit add-on with your plan.
Getting medical treatment overseas can be incredibly expensive. For example, if you are planning a Coronary Artery Bypass Graft (CABG) surgery in Dubai, it can cost between USD 25,110 to USD 32,950 (approx ₹22,00,992 to ₹28,88,167) – and this is just the cost of treatment without taking into account travel and accommodation costs while you're overseas.At Reliance General Insurance, we take these expenses into account. That's why our Health Global plan covers these costs. With this policy, you get coverage for treatment overseas, along with travel and accommodation costs. This plan also offers an India + Global plan option, where you can opt to get healthcare coverage in India as well, with its own sum insured amount, separate from your global SI. Under the India plan option, you can opt for unlimited SI coverage* with no upper limit.Plus, if you're a frequent flyer, you can get our Multi-trip rider to get coverage for trip and medical emergencies while you're overseas.
Maternity expenses and critical illness care are all costs that can quickly add up since they require frequent hospital visits. But since these usually aren’t covered under base health plans, add-on covers are the way to go. With Reliance health insurance, you can choose from 20+ add-ons* to cover all your healthcare costs, from OPD consultations and maternity care to critical illnesses like cancer and heart disease.Some of our most popular add-ons include -
Health insurance plans can also help cover annual health check-up costs, and most plans even offer free annual health check-ups as part of their coverage. For example, with our Health Gain plan, you get coverage for an annual check-up for up to ₹3,000, over and above the SI limit. We also offer 24/7 access to a free health helpline for medical advice from authorised doctors or medical professionals.
Maternity care is an ongoing expense requiring routine check-ups, tests, medication and inpatient hospitalisation for childbirth. On their own, they may not seem as expensive, but these costs can quickly add up, leading to a high yearly medical bill. Therefore, having health insurance that covers maternity costs is essential if you plan to have children in the near future. At Reliance General Insurance, we offer maternity c overage and newborn expense coverage through an add-on for our Health Infinity plan and under our Super Top Up plan.The maternity add-on will cover maternity expenses (normal and C-section) up to ₹2 lakhs; and the newborn baby and vaccination add-on will cover your newborn and their vaccination expenses for ₹1 lakh. You also have the option to opt for a shorter waiting period of 1 or 2 years when buying the Health Infinity plan. The Super Top Up plan will cover pregnancy, childbirth, pre & post-natal costs, along with inpatient newborn treatment (from day 1 to 90 days) up to ₹2 lakhs.
Critical illness costs like kidney disease and cancer treatments can put a strain on your finances and quickly drain your savings if you're paying all your medical costs out of pocket. This is also true for chronic conditions like diabetes and higher blood pressure that require routine check-ups and medication. That's why it's important to have a health insurance plan, as it can cover most, if not all, these costs.At Reliance General Insurance, all our health insurance plans come with some form of critical illness coverage built in. For example, the Health Infinity plan offers a high sum insured of ₹5 Crores and unlimited SI restoration. The Health Gain and Super Top Up plans offer a 1-year premium waiver upon diagnosis of a covered critical illness. We also offer a specialised Critical Illness Health Insurance plan with an SI up to ₹10 lakhs that covers 10 critical illnesses. This plan offers the entire ₹10 lakhs as a payout upon diagnosis of a critical illness, so you can use the payout to get treatment at any medical facility of your choice.
Access to high-quality medical care ensures you stay in good health, and that's where network hospitals come in. These hospitals often have pre-negotiated rates with insurers for procedures, room rent, and consumables, which helps cap the overall medical costs to prevent arbitrary or inflated billing of insured patients. They also offer efficient cashless claims services with less paperwork and faster pre-authorisation and verification.At Reliance General Insurance, we offer a wide network of 10,000+ hospitals* across India. We ensure rigorous checks for safety, reputation, quality of care, and the qualifications of doctors and staff at all the hospitals we empanel to provide a trusted ecosystem curated to ensure high-quality medical care.You can get treated at the top hospitals in India that are part of our network of hospitals, like Fortis Hospitals (Pan-India), Apollo Hospitals (Chennai), Medanta the Medicity (Gurgaon), Kokilaben Dhirubhai Ambani Hospital & Medical Research Institute (Mumbai), Breach Candy Hospital (Mumbai), Manipal Hospitals (Bangalore, Delhi & West Bengal), and many more. Find your nearest network hospital using our hospital locator.
Disclaimer: The values present within this section have been taken from multiple sources across the web and are subject to change. To ensure accurate estimates, please contact your healthcare provider. For policy-specific coverage, please refer to your policy document or contact customer support. Healthcare costs were taken from this source and this source. Tax deduction limits were taken from this source.
At Reliance General Insurance, we believe that health insurance does not work on a one-size-fits-all formula. Hence, we have carefully designed customer-centric plans to meet your unique healthcare needs.We offer global plans like the Health Global, India-focused plans like the Health Gain, Infinity and Hospi-care, along with enhancement covers like the Super Top Up plan and the critical illness insurance plan. It's health insurance that works with you to ensure you always have access to quality healthcare, no matter where you are.
This is an India-focused plan that also offers the option to extend coverage for planned and emergency treatments overseas under the More Global option.
Enjoy limitless health insurance with our Health Infinity plan, and get a high sum insured (SI) from ₹5 Lakh up to ₹5 Crores. Our Health Infinity plan is a comprehensive health insurance policy designed to cover today's high healthcare costs with its unlimited SI restoration/reinstatement benefit* and high sum insured. It's ideal for anyone who requires comprehensive coverage for both medical emergencies and planned treatments, without worrying about running out of coverage at any point.For example, if you opted for a ₹20 lakh plan and the sum insured got exhausted during the policy year. The ₹20 lakhs gets fully restored, and this amount can be used from the next claim onwards for related and unrelated illnesses and injuries*.You can choose between individual or family coverage and benefit from options to reduce waiting periods for maternity coverage – you can select either 1 or 2 years*. You can also boost your coverage by up to 30%* with the MoreCover add-on at no extra cost! For example, you get ₹1.5 Crores extra on a ₹5 Crore base sum insured.Best For: High SI coverage (up to ₹5 Crores), unlimited SI restorations, maternity coverage (via Mother & Child Care add-on bundle), OPD services (via add-on) and lower waiting periods for maternity and pre-existing diseases.
Looking for an India-focused, affordable policy that adapts to your needs? Well, your search ends here with the Reliance Health Gain.
This is a flexible policy with coverage ranging from ₹5 Lakh to ₹1 Crore that you can fully customise based on your healthcare needs. For example, you get the option to reduce waiting periods from 3 years to 1 or 2 years for pre-existing diseases*, you can modify your plan to also cover health check-ups up to ₹3,000, and have your plan cover Modern Treatments like stem cell therapy up to 100% of the sum insured*.Under this policy, you can also cover up to 12 family members*, making it perfect for growing families. It’s also a fantastic option for urban professionals looking for affordable health coverage since you can get up to a 40%* discount + an 18% GST waiver. This means you'll be eligible for a total discount of up to 58%* when buying our Health Gain policy.Best For: SI up to ₹1 Crore, Cover up to 12 family members*, Unlimited SI Reinstatement, Health Check-ups up to ₹3,000, Vision Correction (covers LASIK) and Wellness Services (telephonic or online doctor consultations).
This is a global health insurance plan that offers medical coverage overseas. It can also be modified to offer medical coverage in India as well.
Perfect for anyone planning to get medical treatment overseas. We offer coverage starting from $150k up to $1 million (approx ₹1.32 Crore - ₹8.83 Crore), and also offer coverage for visa/documentation fees. Our Health Global plan can also be modified to cover treatments in India when you opt for the India + Global plan option, ensuring you’re covered for any unexpected emergencies back home as well.The India + Global option comes with its own SI amount, where you can get coverage starting from ₹1.5 Crore or opt for unlimited SI coverage* with no upper limit. This plan option provides coverage for both planned and emergency medical treatment in India, up to the SI limit.We also cover emergency medical expenses overseas. For that, you will need to get our Multi-trip rider, which has its own SI amount starting from ₹1 lakh to ₹5 lakh. This add-on rider is ideal for frequent flyers who travel overseas often, as it also provides coverage for trip emergencies, including flight delays, baggage loss, loss of passport, and trip cancellations.Best For: Planned medical treatment overseas (up to $1 million), 100% cashless claims for planned overseas treatment, emergency medical treatments and trip emergencies covered under the Multi-trip rider and India + Global option with unlimited coverage in India.
This is an enhancement cover that can be bought on its own or paired with an existing health insurance policy.
Our Super Top-up Insurance plan provides additional protection from ₹5 Lakh to ₹1.3 Crore. It’s ideal for anyone looking to get more coverage if their base plan offers a limited SI. For example, working professionals insured under a corporate health insurance plan can buy our super top-up plan to cover their medical costs if their base cover runs out. You can also choose to pair this with your existing health insurance plan to cover recurring healthcare costs, such as chemotherapy, dialysis, routine health check-ups, and medication, when undergoing treatment for critical illnesses or chronic conditions.Under our Super Top Up plan, you enjoy benefits like cumulative bonuses for claim-free years, preventive health check-ups, maternity coverage up to ₹2 lakhs and more, all under one enhanced plan.Best For: SI up to ₹1.3 Crore, maternity coverage (pre & post-natal, childbirth and newborn inpatient costs) up to ₹2 lakhs, free cashless health check-ups*, 1-year premium waiver on critical illness diagnosis, Global cover (In-patient, Day Care & Outpatient costs) and AYUSH treatments.
This is an India-focused enhancement cover that you can pair with an existing health insurance policy. It can also be bought on its own as a standalone plan.
Our Hospi Care insurance policy offers hospital cash payouts up to ₹10 lakhs to cover non-medical costs associated with hospitalisation. These can include costs such as food, travel, follow-up consultations and additional medicine after discharge. So, unlike regular health insurance that directly settles your medical bills for covered treatments, this plan puts the money in your hands to use as needed. This plan is ideal for anyone who needs a guaranteed fixed cash payout for ICU-related treatment, surgeries and day care procedures.We cover 150+ surgical procedures and 140 daycare procedures, and offer 100% of the sum insured for surgery-related claims. You also receive up to a 30% discount* and 0% GST on purchases and renewals made after September 22nd, 2025.Best For: 100% payout of SI up to ₹10 lakhs, 150+ surgeries* & 140 day care procedures* covered, covers unlisted surgeries up to ₹20,000, additional ₹20,000 payout for hospitalisation over 3 days due to Dengue, Malaria or Chikungunya.
This is an India-focused plan that offers a lump sum payout on diagnosis of a covered critical illness. It can be bought on its own or with another health insurance policy.
This specialised health insurance policy is designed to provide 100% coverage for 10 critical illnesses*. This means upon diagnosis of a covered critical illness like stroke, cancer or kidney failure, you receive a payout of up to ₹10 lakhs. Like our hospi care plan, you are free to use this payout as per your needs. So, you can use this amount to pay for treatment at any facility of your choice, pay for medicine, travel and food, surgery, daily living costs, etc.This plan is ideal for anyone who wants critical illness coverage that's separate from their primary health insurance plan. So, in case you have a family medical history that predisposes you to developing a critical illness like cancer or heart disease later in life, this plan offers coverage for treatment costs. This way, you neither have to dip into your savings to pay for medical bills nor do you have to exhaust your primary health insurance plan's base SI to cover treatment.The Reliance critical illness insurance policy covers a single person and offers coverage from 1 to 3 years*. It also offers lifelong renewability, so you are always covered.Best For: 100% payout up to ₹10 lakhs, coverage for 10 critical illnesses, no medical tests required on purchase (for those below 45 years), up to 3 years coverage with lifelong renewability.
Disclaimer: The policy features and prices listed within this section are subject to change. The USD to INR conversion rates stated for the Health Global plan are subject to change based on current currency exchange rates. For the most up-to-date information, you can always check the policy documents or contact customer support.
Here's a list of unique features under some of our plans that make Reliance health insurance suitable for all medical needs. Our plans provide coverage for a wide range of medical treatments, from brief consultations to advanced procedures such as robotic surgery and stem cell therapy. With us, you also get access to 24/7 online services via the Self-i app, so you're covered anytime and anywhere.And since coverage will vary across our plans, you'll need to check coverage and coverage limits before purchase to ensure you’re adequately covered for your unique medical needs.
Disclaimer: The coverage features, prices and discount rates stated in the table are subject to change. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.
Covers medical expenses for inpatient treatment, daycare treatments, pre and post-hospitalisation, organ donor expenses, home care treatments, etc.
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.
Covers outpatient department (OPD) expenses such as doctor consultations, diagnostic tests, etc., up to ₹50,000. It also covers home-based treatment/nursing set-ups of up to ₹25 lakhs.
Coverage for alternative and modern treatments like robotic surgeries and stem cell procedures etc. Plus, we cover AYUSH (Ayurveda, Yoga, Unani, Siddha and Homoeopathy).
Offers a deductible waiver in case of an accident and a 1-year premium waiver in case of a critical illness diagnosis.
Covers speech, physiotherapy and occupational therapy after an accident-related hospitalisation.
Covers maternity expenses and newborn baby care, including vaccinations for up to ₹2 lakh with the add-on.
If you face a medical emergency while overseas, your treatment costs (inpatient, outpatient or day care) will be covered up to 45 days* with a $100 deductible*, no matter where you are.
Get up to 50% SI bonus for every claim-free year and a free health check-up after 3 consecutive years.
All medically necessary costs are covered except for treatments like wellness therapies, rejuvenation treatments, dietary supplements and cosmetic surgeries.
Weight control procedures, fertility treatments, contraception and correction of refractive errors are excluded.
Any medical expenses resulting from intentional self-injury, suicide, war, nuclear activity or any illegal activities are not covered.
All accident-related claims are covered from day 1. All other claims are subject to a 30-day waiting period. And pre-existing diseases and maternity costs have their own waiting periods, which you can reduce via an add-on.
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).
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
Enhancing your health insurance policy with add-ons can significantly boost your coverage. These optional add-ons offered by Reliance General Insurance are available for a minimal additional premium. And the stars on these cards represent the Reliance health insurance plans under which these add-ons are available.
Health Infinity, Global and Gain
Get unlimited SI restoration/reinstatement* if you exhaust your base sum insured after a major claim. This cover instantly refills it. You can then make new claims for other illnesses or injuries within the same policy year, ensuring continuous protection.
So, if your SI was ₹20 Lakhs initially, and you claimed it all, we will refill ₹20 Lakhs back, so that you can use 100% of your Sum Insured again in case of a related or unrelated illness/injury on your next claim.
Health Infinity, Health Gain
Get twice the sum insured amount without doubling your premiums during claims under select health insurance plans*.
This means you’ll only need to pay a nominal amount when you first get this add-on. After which, you will receive twice the coverage under your health insurance plan while it's in effect. Do note that you will still need to renew this add-on along with your health insurance policy to continue to receive coverage.
Health Infinity, Health Global
Along with your basic treatment costs, your hospitalisation bill will also include consumable expenses like gloves, bandages and syringes. While these may not cost much on their own, they can add to your overall hospital bill. This add-on helps reduce those out-of-pocket costs.
This coverage is also available as part of the base plan under Health Global and will be covered within the sum insured of your plan.
We cover the cost of outpatient services, like doctor consultations, diagnostic tests and medications. Perfect for individuals who require frequent check-ups, as this coverage can help manage medical costs effectively.
Plans like Health Infinity and Health Global do not include OPD costs under the base plan coverage, so we recommend getting this add-on if you’re buying either of those plans.
Health Infinity
The Super Charger is a built-in loyalty reward that boosts your sum insured up to 33.33%* during each renewal, at no extra cost.
This is a type of loyalty reward, as you get a bonus on your sum insured amount the longer you hold your plan. Over time, you can boost your coverage up to 100% of the original amount*.
You're covered for expenses related to pregnancy and childbirth with select health insurance plans. Get coverage for pre- and post-natal care, delivery costs and newborn baby care of up to ₹2 lakhs.
You can get this add-on under the Health Infinity plan. In case you want this included as a base cover, you can go for our Super Top-Up plan.
To receive coverage for maternity and childbirth-related expenses, a general waiting period is applicable. However, with this add-on, you can select the waiting period of just 1 or 2 years, depending on your choice of plan.
Please note that you must already have the Maternity Cover add-on to be eligible for this waiting period selection option.
Health Gain, Health Global
This add-on covers the ambulance cost during medical emergencies of up to ₹3,500 per hospitalisation. It ensures you can afford transportation from the emergency site to the nearest hospital or medical facility.
This is available as a base cover under Health Infinity. Under Health Global, it's available under the India + Global plan option.
In life‑threatening emergencies where every minute counts, the Air Ambulance add-on covers the cost of flying you to the nearest medical facility. This ensures fast, critical care without the high expenses.
This coverage is also available under Health Global when you choose the India + Global plan option.
You're covered for treatments prescribed by a doctor that can be done at home, such as IV drips or physiotherapy. With this cover, you can reduce your hospital bills and recover in the comfort of your home.
All Health Plans
Allows you to reduce the waiting period for pre-existing diseases, such as hypertension and diabetes mellitus, etc. This means you can reduce the waiting period from 3 years to 2 years or 1 year* and get coverage sooner.
Save on your health insurance premiums by paying a fixed amount of medical expenses yourself yearly. Once the bill exceeds this amount, your insurance will cover the rest of the expense.
Health Global
Senior citizens usually pay 20% of the total claim amount from their pocket*, also known as a co-payment. With this add-on, you do not have to cover this additional expense and receive complete coverage for your health needs.
Health Gain
A cumulative bonus rewards you with increased coverage for every consecutive no-claim year. With this add-on, you continue to enjoy the bonus even after making a claim, ensuring your benefits aren't lost.
Get 100% coverage* for advanced treatments, like robotic surgeries and stem cell therapy, up to your entire sum insured. A useful cover, since the base policy only covers modern treatments up to 50% of the SI*.
We offer a fixed daily allowance to cover your companion’s expenses while they stay with you during your hospitalisation, helping ease financial stress during recovery.
Lower your room rent limit under your policy. With this cover, you can upgrade your room without worrying about additional costs. It contributes to a more comfortable and stress-free hospital stay.
Assess your healthcare needs based on your lifestyle to know how much sum insured and what type of plan you'll need (individual, senior citizen or family health insurance). For instance, we offer sum insured ranging from ₹3 lakhs to ₹5 Crores. A higher sum insured is recommended for anyone who requires frequent hospital visits or is regularly undergoing treatment. It's also recommended for those living in metro cities where healthcare is more expensive.
Select a plan with premiums that fit your budget without causing financial strain over time. Also, check for discounts. For example, with the new GST exemption on health insurance, our health insurance plans are now more affordable than ever! We now offer a maximum discount of up to 40% and an 18% GST waiver on purchase*, meaning you now get up to a 58% discount, leading to more coverage with more savings.
Carefully review what is included and excluded in the policy to ensure it covers your potential medical needs. This is because some base plans already come with built-in coverage that is often only available through add-ons under other plans. So, checking what's covered and what's not covered may help you save on premiums since you won't have to opt for add-on covers. For example, our Health Global plan covers the cost of consumables under the base policy and the Health Infinity plan includes emergency ambulance costs as part of its base plan.
Ensure your policy can be renewed for a lifetime to provide continuous coverage as you age. Insurance companies also offer bonuses, discounts, and loyalty rewards the longer you hold a policy. For example, we offer a Super Charger loyalty reward that boosts your sum insured up to 33.33%* during each renewal. Lifetime renewability can also help you save on premiums in the long run since health insurance premiums are often revised based on your age every time you buy a new plan. Therefore, if you let your policy lapse and then buy a new one, the premiums may be higher, as older individuals are typically charged higher premiums.
If you have an existing medical condition that may require immediate attention, choose a policy that covers it for timely care. You also need to check the waiting period under the policy for pre-existing conditions. We recommend going for a health insurance plan that offers the option to reduce your waiting periods. For example, all our health insurance plans* come with an add-on that allows you to reduce your PED waiting period from 3 years to 1 or 2 years*.
The insurance company's network hospital list is another important factor to consider, since cashless claims and claims processes in general are more streamlined at network hospitals. Check the number of network hospitals they offer access to and verify if any are located near you. For instance, Reliance General Insurance offers access to over 10,000 network hospitals* across India. You can also easily find your nearest network hospital by either using the Self-i app or our hospital locator.
Check the insurance company's claim settlement ratio. Ideally, it needs to be higher than 95%, because a higher claim settlement ratio indicates a higher likelihood of your claims being approved and settled. For example, we offer a 99.57% claim settlement ratio*, meaning we settle almost all the claims we get. And along with the CSR, we also recommend checking the claims settlement process – it needs to be online, quick and involve minimal paperwork.
Check what type of treatments are covered under your chosen policy. Ideally, your plan should cover allopathic treatments (evidence-based procedures that involve medication and surgery as part of the treatment), traditional Ayurvedic/AYUSH treatments, and modern/new-age treatments that utilise newer treatment methods (like robotic surgery or oral chemotherapy) and medicines. This ensures you have the freedom of choice and coverage when it comes to choosing how you wish to pursue treatment.
From Individual and Family health plans to critical illness and super top-up covers, Reliance Health Insurance offers not just medical emergency covers but also long-term protection. It's also really easy to buy our health insurance plans. The entire process is online, involves very little paperwork, and can be done on your phone via the Self-i app or on our website at any time. After payment, you get a digital copy of the policy emailed to you that you can download and save onto your phone.Here's everything you need to know before buying one of our policies:
At Reliance General Insurance, you can easily buy and renew your health insurance plan either through our website or via the Self-i app. All you need to do is enter your name, mobile number, and PIN code to get started. Then, once you've decided on a policy, complete the KYC process, pay online and get your policy instantly via email.Renewals are even quicker - Just enter your policy number, click renew and pay! You can also do this on our app by tapping on 'InstaRenew".
Buying your health insurance plan online reduces paperwork, time and offers additional discounts. Here are more reasons to buy your health policy online:
Buying health insurance online makes it easy to compare and purchase coverage from the comfort of your home.
Get instant policy issuance and start your coverage without paperwork delays.
Online purchases often come with special discounts and offers, giving you the best value for your money.
Enjoy secure online payments with multiple digital options and protection from fraud.
Customise plans, calculate premiums, manage members and check coverage details online with the Self-i app.
Buy and manage your policy anytime, anywhere. No need to wait for office visits or fixed hours.
Can't decide on a health insurance plan? Don't worry, we've made this easy for you with the table below! Comparing plans online allows you to make informed decisions as you get access to key policy information. The table below should give you a good overview of what's covered and what's not covered under each plan, so you can make an informed decision.
Disclaimer: The prices, discount rates and premiums displayed in the table above are indicative and are subject to change based on the policy you choose to buy and the coverage you opt for. The availability of the coverage features mentioned is subject to policy terms and conditions. For more detailed information, contact us.
Now that you know what plan to choose, it's time to choose between an individual policy or a family floater option. Both have their benefits, and their applicability will depend on your healthcare needs. The table below can help you narrow down which plan type is most suited for you.
Individual policy offers comprehensive coverage for a single person that can be personalised to suit their unique health needs. You can modify the policy's sum insured to be as higher or as low as you need it to be. Our plans offer sum insured options from ₹3 lakhs to ₹5 Crores. For example, if you have a pre-existing condition, such as diabetes, that requires routine health check-ups, medication, and treatment, you can obtain an individual health insurance policy.
Reliance family health insurance can cover up to 12 family members*, and all insured family members share the policy's sum insured. For example, if you have bought a ₹50 lakh plan and insured your family - self, spouse and 2 children; any of the insured members can get medical coverage. So, if your spouse and child get sick during the same year and require treatment, both their medical costs will be covered by your Reliance family floater policy.
Premiums will depend on the chosen SI amount and your age. An individual health insurance policy is a good investment for individuals with ongoing medical needs or those with pre-existing conditions, as it offers an exclusive sum insured. This means you don't need to worry about inconsistent coverage since you are the sole policyholder. Moreover, you can also claim yearly tax deductions on premiums paid up to ₹25,000 (if you're under 60 years) or up to ₹50,000 (if you're over 60 years).
A family floater health insurance policy is a cost-effective solution if you want to insure multiple people. In terms of cost per individual,it's significantly less expensive than purchasing a separate plan for each family member. However, if you have a family member with higher healthcare requirements, like your parents or grandparents, we recommend insuring them under a separate individual plan to avoid depleting your SI. This plan type also offers a yearly tax deduction of ₹25,000/₹50,000 like an individual policy.
Individual health policy is ideal for individuals who are not already insured under a health insurance policy and for those with an existing healthcare needs. This can include young individuals entering the workforce, parents or grandparents who have reached retirement age, or anyone with pre-existing like high blood pressure and asthma or chronic illnesses that require frequent hospital visits.
A family health insurance plan is ideal for nuclear families where all members are relatively healthy and don't have heightened healthcare requirements. It's also recommended for young couples and families with young children, since it helps cover a broad range of planned and emergency medical costs. And since the sum insured is shared, policy management and renewals are also easier since everyone files claims under a single plan.
Disclaimer: The product features, sum insured amount and tax deduction amounts stated within this section are subject to change. To get the most up-to-date information and assistance while deciding between either plan type, contact our customer support team.
Your health insurance premiums are calculated based on several factors. Here are some key parameters you need to pay attention to, as knowing these factors might even help you reduce your policy premiums:
The higher your sum insured, the better your financial safety net, but it will also increase your premium slightly. However, it’s still better to get more coverage as it ensures you’re protected during medical emergencies, especially for major treatments or long-term hospital stays.
Longer duration policies can have higher upfront costs but offer better value over time. A 2 or 3-year plan often comes with discounts and shields you from annual price increases or premium revisions.
Whether you choose an individual plan, a family floater, or one with advanced features like maternity or OPD cover, your premium will vary accordingly. Broader coverage and more features come with a slightly higher cost, but also better coverage.
Your age and medical history significantly impact your insurance premiums. Older individuals or those with a serious medical history will have higher premiums than younger people or those with a healthy medical background.
If you already have health conditions like diabetes, high blood pressure, or asthma, your insurer may charge a higher premium. This is because the risk of future claims is higher. So, it's important to disclose these details to avoid claims being rejected later.
Lifestyle choices such as smoking, alcohol consumption and sedentary behaviour are considered when calculating premiums. Poor lifestyle habits increase the risk of serious health issues like cancer, diabetes and obesity, leading to higher premiums.
To ensure you get enough medical coverage under your plan, insurers take into account your location/city. This is because healthcare costs in Tier-1/metro cities like Delhi, Mumbai, or Chennai are higher due to the higher cost of treatment. In contrast, healthcare costs are lower in rural areas. Simply put, if healthcare costs are higher where you live, you’ll need more medical coverage, and more coverage can mean slightly higher premiums.
Upon getting the related medical information from insured person's treating doctor/hospital. Reliance General Insurance will:
RGICL verifies illness, treatment, and eligibility based on medical information from the treating doctor or hospital. Fresh pre-authorization approvals are processed within 1 hour, and enhancement requests within 3 hours of receiving complete cashless request details.
In emergency cases, RGICL processes cashless requests within 1 hour upon receiving complete medical information.
The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals
The cashless claim is available via the Reliance health claims team, RCARE, on your health card:
If cashless is denied, don’t worry. You can still claim via reimbursement:
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
Health insurance is not just for when you're unwell; it's a financial safety net for unforeseen emergencies. Even if you are currently healthy, having health insurance helps manage potential future health issues. This way, you are prepared for unexpected medical expenses.
Contrary to popular belief, many health insurance policies offer comprehensive maternity coverage. At Reliance General Insurance, our Maternity add-on provides coverage up to ₹2 lakhs. We also cover pre- and post-natal care and childbirth expenses.
No insurance policy covers 100% of your treatment costs. Policyholders are usually required to pay a portion of the expenses through deductibles or co-payments. Understanding your policy’s terms can help manage these out-of-pocket costs effectively.
Purchasing health insurance online is safe, easy, and cost-effective. With us, you can buy insurance in minutes with total discounts of up to 40%*. Our secure online platform ensures your personal information is protected throughout the process.
Premium is the amount you pay the insurance company to maintain your health insurance coverage. The insurance company sets premium rates and will depend on factors like the sum insured, age, policy type and health status.
The sum insured is the maximum amount of coverage provided by the health insurance policy for medical expenses. So, if your SI is ₹20 lakhs, you can claim medical costs up to ₹20 lakhs during the time your policy is active.
Add-ons, also known as riders, are optional features that can be added to your health insurance policy to enhance its coverage. These come at an extra nominal fee that’s added to your overall policy premium. Popular Reliance health insurance add-ons include unlimited SI restoration, waiting period reduction cover, maternity cover and OPD services cover.
This is a reward for not making any claims during a policy year. An NCB discount can be redeemed as a discount on premiums on renewal. A cumulative bonus can be redeemed as an additional amount that gets added to your policy SI upon renewal – E.g, if you get a 10% cumulative bonus on your ₹10 lakh SI, on renewal, your SI will be increased to ₹11 lakhs.
Deductibles are the portion of medical expenses that you must pay before the insurance company covers the remaining costs during claims. They come in two types – mandatory and voluntary deductibles.Mandatory deductibles are built into the policy and must be paid by everyone, regardless of what policy you buy. Voluntary deductibles are optional and can be selected when buying a policy. The voluntary deductible amount gets added to your mandatory deductible amount.
Co-payment is the fixed percentage of total medical expenses that you must pay out-of-pocket when making a claim. The co-pay will either be a fixed amount or a fixed percentage.Note that co-pays should not be confused with deductibles. A co-pay needs to be paid every single time you file a claim. The deductible amount must typically be paid once during a policy year. Once you pay the co-pay amount, the insurance company covers the remaining medical costs.
Inclusions are the health conditions and scenarios covered by health insurance. Exclusions are = conditions and treatments that are not covered by health insurance.
A cashless claim allows you to receive treatment without upfront payment at authorised hospitals. The insurer settles the bill directly with the hospital.
Network hospitals are those partnered with your insurance provider. Claims processes in these hospitals are often quicker and require less paperwork.
A pre-existing disease is a health condition that exist at the time of purchasing the health insurance policy. These conditions often result in higher premiums due to the increased risk.
The waiting period is the time after purchasing the health insurance during which claims cannot be made. The initial waiting period for all policies is typically 30 days, and certain conditions, such as pre-existing diseases or maternity coverage, have their own specific waiting periods.
Critical illnesses are life-threatening conditions such as cancer, stroke, heart ailments, and kidney disease, which are listed and defined by the insurance provider. Health insurance providers offer critical illness coverage to pay for medical treatments for these conditions.
Super Top-up plans act as supplementary coverage for your existing health insurance policy. They come into effect when the sum insured limit of the base policy is exhausted.
Day care treatments and procedures refer to medical treatments that require less than 24 hours of hospitalisation. These can be minor surgeries like cataract surgery or short treatments that only take a couple of hours, like chemotherapy or dialysis.
These refer to alternative treatments that fall under Ayurveda, Yoga, Unani, Siddha and Homoeopathy. Under health insurance, AYUSH treatment costs are covered up to the sum insured amount of your policy. You can get AYUSH treatments at any accredited facilities recognised by the Indian Government or the Quality Council of India.
This process involves switching to a different insurance company with your existing health insurance policy or to a new policy with a different insurance company. Health insurance portability allows you to retain accumulated benefits, such as completed waiting periods and NCB discounts, which you can either retain or transfer to your new policy.
Reliance Health Insurance provides financial protection against rising medical expenses and ensures that you and your loved ones receive quality care whenever needed. We offer a high sum insured of up to ₹5 Crores, 24/7 online access to our services, and quick cashless claims at all hospitals in India.We also offer several types of health insurance plans, including international health insurance, super top-up health insurance and family health insurance plan options, to ensure we offer comprehensive medical coverage for everyone. And that’s not all - if you’re looking for targeted coverage, check out our HospiCare and Critical Illness insurance plans.Our 100% digital approach, range of discounts, lifelong renewability and easy claim process ensure that you can buy, claim or renew your policy seamlessly. We offer a health insurance policy that you can tailor to your needs, so you can truly say #MeriPolicyMeriChoice!
Yes, you can have more than one health insurance plan. For example, if you have a corporate health insurance plan provided by your employer, you can buy another health insurance for you and your family from a private insurance company like Reliance General Insurance.If you’re an urban professional, we recommend choosing either our Super Top-Up plan or our Health Gain plan. And if you’re looking for higher coverage, you can buy our Health Infinity plan.
This is the time during which you can't file a claim under your health insurance plan. For example, if your health insurance plan has an initial waiting period of 30 days, you will not be able to file claims during this period. You will need to wait out these 30 days before you can get medical coverage.Most health insurance plans come with an initial 30-day waiting period, and you can only file claims after this period. The only exception to this is accident-related injuries and medical emergencies. These get covered from day 1 of buying your plan.At Reliance General Insurance, we offer options to reduce your pre-existing disease waiting period from 3 years to 1 year*, and you can also choose your maternity waiting period to be either 1 or 2 years*.
For individual plans, the policy terminates upon the policyholder's death, but claims can be filed for hospitalisations that happened before the death. In family health plans, the coverage and sum insured are shared by the remaining members.
Pre-existing conditions are health issues diagnosed before purchasing the insurance. These conditions may attract higher premiums and have specific terms for coverage.
Network hospitals have pre-existing agreements with insurance companies to ensure quicker claim approvals and direct cashless billing for cashless claims. This means, if you get treated at an Reliance network hospital, cashless claims get approved quicker than getting treated at a non-network hospital.Non-network hospitals are hospitals that do not have any agreements with insurance companies. You can still get treatment at a non-network hospital and file a cashless claim; the process may just take a little longer.
Coverage for alternative treatments depends on the insurance provider and the specific plan. Reliance General Insurance covers AYUSH treatments (Ayurveda, Yog, Unani, Siddha and Homeopathy) in our health insurance plans.
Yes, most health insurance plans will offer maternity coverage under an add-on cover. However, you need to know that maternity coverage does come with a waiting period of 2-4 years, so if you are planning to start a family soon, we’d recommend purchasing a plan well in advance.At Reliance General Insurance, our plans offer the option to reduce the waiting period for maternity coverage down to 1 or 2 years* for an extra fee. It’s something you may want to look into if you want to get maternity and newborn coverage sooner. You can get in touch with us for more details.
Yes, since employer-provided health insurance is tied to the company you’re working for, you can lose coverage if you leave your current employer. But if you’ve got a separate plan, you ensure you always have coverage.We recommend getting a super top-up health insurance plan to pair with your employer-provided health insurance, so you have a safety net in place for you and your family in case you decide to switch jobs.
Typically, a family health insurance plan will cover you and your immediate family members, like your spouse, children and parents. Some plans also allow you to add your in-laws and siblings. If you’re looking for a family health insurance policy, the Reliance Health Gain plan allows you to cover up to 12 family members* and offers coverage up to ₹1 Crore*.If your parents are over 61, we recommend purchasing a separate senior citizen health insurance policy for them to ensure higher coverage or to look for plans that have higher age limits. This will ensure your parents have a dedicated SI amount in case they require frequent treatments or hospital visits. You can also add them under your family health insurance policy. At Reliance General Insurance, we offer plan options for senior citizens under our existing policies.
Yes, if your parents are above the age of 60, you should buy a separate senior citizen health insurance to ensure targeted coverage for their unique health and insurance needs.
Health insurance premiums are based on factors like age, medical condition, medical history, type of coverage, add-ons, etc.You can use our online health insurance calculator to quickly and seamlessly calculate your health insurance premium.
Yes, you can use Reliance General Insurance’s online premium calculator to estimate costs based on your age, coverage and other factors. We offer a user-friendly premium calculator.
Higher deductibles/co-payments result in lower premiums and vice versa. Opting for higher deductibles/co-payments can reduce your premium costs.
Yes, some providers offer discounts on online purchases. Reliance General Insurance provides up to 40% discounts on premiums if you online.
Yes, health insurance premiums typically increase with age due to higher health risks.
Yes, many insurance providers, including Reliance General Insurance, allow monthly premium payments.
During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.
With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025. Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300
Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.
Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.
Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
What this means for you: Lower Premiums: You'll now pay only the base premium-no GST added.
Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.
Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.
Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.
If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.
Cashless claims are quick and convenient, with no upfront payment required. At Reliance General Insurance, we offer ‘Cashless Everywhere’ with our health insurance plans. This way, you can enjoy the convenience of cashless claims without being restricted by network hospitals.
Typically, you’ll need -
You can contact us to know the exact list of documents needed for your claim. Cash reimbursement claims typically take 30 days*, while cashless claims are settled within 3 hours*.
A higher claims settlement ratio indicates efficiency in settling claims. Reliance General Insurance boasts a CSR of 99.57%.
Cash reimbursement claims typically take 3-4 months, while cashless claims are settled within a few days. Reliance General Insurance aims to settle claims within three months for reimbursement claims. Get in touch with us for more details.
If your health policy offers cashless hospitalisation, you can get treatment at network hospitals. However, you may still need to pay deductibles, co-payments and costs beyond coverage limits.With Reliance health insurance, you can get cashless treatment at any hospital in India. For quicker approvals, we recommend getting treated at one of our network hospitals, since claim settlements at non-network hospitals can take as long as 3 hours.
Scroll up to the calculator on top of this page and enter your details. If you're renewing your plan, click on the Renew tab and proceed to enter your details. Click "View Prices" and select the policy you want to buy. Click "Next", provide your KYC details and pay securely online to get your policy via email. If you're renewing your plan, click on the Renew tab and proceed to enter your details. Click "Renew" and check your policy details - you can choose to modify your plan coverage here. Click "Next" and pay your renewal premium to renew your health insurance plan. Alternatively, you can also open the Self-i app, tap "InstaRenew" and pay to instantly renew your plan.
Most providers offer a grace period of 30 days from the expiry date to renew your mediclaim policy without penalties. Failing to renew during this period may result in policy termination.
Yes, can also adjust your policy or switch to a different plan during health insurance renewal. For any policy adjustments or upgrades, you can contact customer support.We offer a 30-day grace period* from the expiry date to renew your health insurance policy without penalties. Failing to renew during this period can result in policy termination.
Health Insurance
July 19, 2025,Faridabad
July 19, 2025,Guntur
July 19, 2025,Pune
July 17, 2025,Tiruchirappalli
July 16, 2025,Hyderabad
July 14, 2025,Sambalpur
July 14, 2025,Visakhapatnam
July 9, 2025,Bhongir
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.Customer Count: 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 Ratio: 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: RELHLIP23120V042223Health Infinity Discount: Maximum discount applicable for Reliance Health Infinity Insurance policy is up to 35%.Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122Health 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: 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.
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