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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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A 10 lakh health insurance plan gives you great coverage for big medical bills, surgeries and hospital stays, which keeps your family financially safe during health emergencies. For example, heart surgery costs in India range between ₹2.5 lakh and ₹4 lakh, which shows why good coverage becomes necessary for such procedures.
Emergency medical situations do not give you time to arrange funds, making comprehensive coverage absolutely necessary. With 10 lakh coverage, you get proper treatment without worrying about high costs hurting your family's finances.
Reliance General Insurance's 10 lakh health insurance plans solve these problems with smart features designed specifically for Indian families. Our policies offer restore benefits that refill your coverage after you use it, so you stay protected all year long, even after making claims.
Plus, you get no room rent limits, which means you can choose any hospital room without paying extra money during treatment periods.
Healthcare costs are rising fast, with hospitalisation expenses increasing by 11.35% annually and average health claims reaching ₹70,558. This coverage handles serious medical emergencies like accidents, surgeries and sudden illness.
Critical illnesses like heart disease, cancer and stroke need expensive treatment costing lakhs. If you have a 10 lakh health insurance plan, you get the care you need for life-threatening illnesses without having to spend all of your funds.
With medical costs rising every year, families need higher coverage. This plan covers multiple family members under one policy, protecting parents, spouses and children from expensive healthcare and unexpected medical emergencies.
Medical emergencies create huge financial stress when treatment costs exceed your savings capacity. Higher coverage handles hospital, surgery and treatment expenses, letting you focus on recovery instead of arranging money.
Healthcare costs in India are expected to rise by 13% in 2025. This is much higher than in other countries worldwide. Around 400 million Indians still do not have any health insurance, which makes medical emergencies very expensive for them. India's overall insurance coverage is only 3.7%, meaning most people lack proper health protection.
Choosing the right health insurance company matters when your family's health and financial security are at stake. Reliance 10 lakh health insurance plans offer unique benefits and superior features that make us the smart choice for Indian families today.
Health Infinity Plan provides complete coverage, including hospital stays, doctor visits, medical tests and unlimited restore benefits. It has no room rent limit and covers rehabilitation with inflation protection. It offers a high no-claim bonus for families seeking extensive coverage. This 10 lakh health insurance plan works best for those who want complete healthcare protection, including outpatient treatments and advanced medical facilities.
It is a flexible 10 lakh health insurance plan that you can build according to your needs. It covers hospital stays and daycare treatments without any room rent limits. Health Gain policy plan offers restore benefits that help refill your coverage after use. This works perfectly for growing families and working professionals who want customised protection. You get online discounts and can add extra benefits based on what your family requires most.
Arogya Sanjeevani Policy is a simple government-approved plan that covers basic medical needs at affordable rates. It includes hospital treatment, traditional medicines, cataract surgery and daycare procedures with fixed room rent limits. This straightforward 10 lakh health insurance coverage works well for people who want essential health protection without dealing with complicated terms or paying high premiums.
Hospi Care Insurance works differently by paying you fixed cash amounts instead of covering actual hospital bills. You get lump sum payments for specific surgeries, ICU stays or critical illness. This plan suits people who already have basic health insurance but need extra money during medical emergencies. It helps cover indirect expenses and income loss during hospitalisation effectively with its 10 lakh health insurance coverage.
Super Top-Up Insurance acts as backup insurance starting after your main health policy gets exhausted. It provides high coverage amounts at low premiums, but requires crossing a deductible limit first. Once you exceed, the plan pays for your medical expenses. This option suits everyone wanting extra protection beyond basic coverage, especially salaried individuals and large families seeking enhanced 10 lakh health insurance protection.
What is Covered?
Medical Expenses: Covers inpatient treatment, pre- and post-hospitalisation, daycare treatments, organ donor expenses, home care treatment costs, etc.
Modern and AYUSH Treatments: All surgeries plus Ayurveda, Homoeopathy treatments are covered.
Maternity and Newborn Cover: Pregnancy costs, baby care expenses covered up to ₹2 lakhs 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.
Annual Rewards: Bonus coverage for claim-free years, and free health checkups are available.
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: Physiotherapy, speech therapy are covered when medically required for post-accident treatments.
What is Not Covered?
Non-Medical Treatments: Beauty treatments, wellness therapies, and cosmetic surgeries, Weight loss procedures, and fertility treatments are excluded.
Legal and Statutory: War, nuclear risks, self-harm, suicide, and illegal activities excluded.
Waiting Period: No claims for the first thirty days, except accidents are covered.
Unlawful or Self-Inflicted Situations: Drug abuse, riots, terrorism, and intentional injuries are not covered.
Experimental or Unapproved Treatment: We cover all treatments with proper medical authority approval. Those without proper approvals are excluded.
Note: The list of inclusions and exclusions varies depending on the type of plan you choose. Read your policy documents carefully here.
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If you have just started your career and earn between 5-15 lakhs per year, this insurance is perfect for you because you can get lower premiums while you're still healthy. Since your parents might depend on you for medical support, having a 10 lakh cover becomes essential to protect your growing savings. This amount easily handles most treatments in good hospitals, which means you can focus on building your successful career without worrying about unexpected medical bills.
When you run your own business, you don't get health insurance through your job. This means you need to obtain your own insurance, especially if your monthly income fluctuates significantly. This policy becomes your financial safety net during tough business periods because you won't need to dip into your business funds for medical emergencies. This coverage protects both your family while removing the common fear that stops self-employed people from seeking timely treatment.
If you have 1-2 kids and live in a city, 10 lakh coverage works perfectly because children often fall sick and need immediate attention. This amount ensures you can access the best treatment without thinking twice about costs. Your family receives quality healthcare while your savings account remains protected, giving you complete confidence that your children's health needs are fully covered.
If you're above 60 and want to maintain your independence, this insurance becomes crucial because health problems become more common and treatments cost significantly more at this age. Since your kids may live in different cities and can't always help right away, a 10 lakh cover is enough to cover most age-related problems, like heart problems or joint replacements. This gives you the freedom to choose your preferred treatment and hospital without depending on others for money.
The cost of 10 lakh health insurance depends on several factors like your age, family members, city location and chosen benefits. Getting an accurate premium quote is easy when you follow these simple steps using our online calculator.
Go to the Calculator
Go to the health insurance premium calculator below.
Fill Your Information
Add your name, total family members and kids you want to include.
Add Family Information
Press "Suggest Me a Plan" and fill in your family member's details.
See Your Price
Press "Get Quote" to see how much your policy will cost you.
Note: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Health insurance has become a necessity in today's India, as medical costs continue to rise at an alarming rate. Healthcare costs in India are increasing rapidly, with expenses expected to rise by 13% in 2025, making adequate coverage necessary for protecting your financial future during medical emergencies. An unexpected medical emergency might bankrupt your household without health insurance. Reliance General Insurance understands these challenges and offers comprehensive 10 lakh health insurance plans designed specifically for Indian families like yours.
Our health insurance plans come with exceptional benefits that truly set us apart from other insurance companies in the market today. The unlimited restore benefit automatically refills your entire 10 lakh coverage amount whenever you exhaust it during the policy year. We don't impose any room rent limits, giving you complete freedom to choose any hospital room without paying extra money.
Whether you're a young professional starting your career, a small business owner managing fluctuating income or a growing family with children, our flexible plans adapt to your specific needs. With cashless treatment available at over 10,000 network hospitals* across India, you do not need to worry about arranging funds during medical emergencies. Also, purchasing and claim filing instantly with Self-i app and you can save up to 40% on premium costs*, making quality healthcare protection affordable for every Indian family.
Is 10 lakh rupees health insurance enough for me?
It depends on your age, health and income level. For basic medical needs, 10 lakh coverage may suffice. However, consider your medical history, family health risks and potential healthcare costs before making your final decision.
Where can you purchase the best 10 lakh health insurance in India?
You can buy a 10 lakh health insurance from Reliance General Insurance through multiple convenient options. You can purchase online through our official website or convenient mobile app. Alternatively, visit our local branch offices to buy your policy directly from our experienced agents.
How do you estimate 10 lakh health insurance premiums?
Use Reliance's online premium calculator available on our website. Simply enter your age, health details and specific coverage requirements. The calculator will instantly display estimated premium costs for your desired 10 lakh health insurance plan.
Does Reliance offer 10 lakh health insurance for senior citizens?
Yes, Reliance provides comprehensive health plans for seniors with 10 lakh coverage options. Our available plans include Health Infinity, Health Gain and Critical Illness Insurance, all specially designed for older adults' unique healthcare needs.
What is the current GST rate on health insurance premiums?
From September 22, 2025, health insurance carries zero GST rate. Previously, premiums included 18% GST charges. This beneficial government decision is now active, making health insurance significantly cheaper and more affordable for all Indian citizens.
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Disclaimers:
*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.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 Gain Discount: Maximum discount applicable for Reliance Health Gain Policy is 40% excluding long term healthy discount(aggregate)Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122Health Super Top-Up UIN: The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.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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