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A ₹20 lakh health insurance policy provides comprehensive coverage for medical emergencies, safeguarding you against high healthcare costs. Whether it is hospitalisation, surgery or critical illnesses, this plan covers significant expenses. Thus, it offers adequate coverage for individuals and families and peace of mind.
Reliance General Insurance offers tailored ₹20 lakh health insurance plans designed to suit diverse needs. With a wide range of benefits, our health insurance plans of ₹20 lakh ensure comprehensive protection.
Affordable Premiums from₹243/month*
Trusted by5 Crore+Policyholders
Cashless TreatmentAnywhere
100%Claims Settlement*
Exclusive Discounts Up to 40%*
A ₹20 lakh health insurance policy provides monetary coverage of up to ₹20 lakhs for medical treatments. This plan is designed to cover high hospitalisation costs, surgeries and the treatment of critical illnesses.
You can get cashless hospitalisation at any hospital in India or submit claims for reimbursement. Coverage typically includes room rent, doctor’s fees, ICU charges and post-hospitalisation care.
Reliance General Insurance’s ₹20 lakh health insurance policy offers additional benefits, such as coverage for daycare procedures, ambulance costs and emergency treatments.
For cashless treatments, you simply need to present your insurance card at the hospital, and we will directly settle the bill with the hospital. This way, we streamline the claims process and ensure financial protection with our health insurance of ₹20 lakh.
When you or a covered family member needs treatment, you can file a claim under your Reliance health insurance for ₹20 lakh, and we cover the medical treatment costs. You can do this by opting for cashless treatment or submitting a reimbursement claim after treatment.
We then review your claim and cover eligible expenses such as hospitalisation, surgeries and post-treatment care. To make sure this whole process is done quickly, you must submit necessary documents, like hospital bills and medical reports, for claim approval on time.
Benefits
Details
Affordable Premiums
Despite the high sum insured, we offer ₹20 lakh health insurance plans at affordable premium rates. This makes it a cost-effective choice with higher coverage.
Wide Coverage
This plan covers hospitalisation, surgeries, critical illnesses, pre-and post-hospitalisation expenses and daycare procedures. With our ₹20 lakh health insurance cover, you are ensured comprehensive healthcare protection.
No Claim Bonus
For every claim-free year, you can earn a bonus or an increase in the sum insured, enhancing your coverage.
Cashless Treatment
Policyholders can get cashless hospitalisation at any hospital, eliminating the need for upfront payments.
Additional Benefits
Many of our plans offer coverage for ambulance services, annual health check-ups and alternative treatments under AYUSH.
Family Coverage
Some of our ₹20 lakh medical insurance policies can cover multiple family members, protecting everyone under a single plan.
Coverage for COVID-19
Our policies also cover expenses related to COVID-19 treatment, protecting during the ongoing pandemic.
Tax Benefits
Annual premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act (under the old regime), offering savings on taxable income.
Peace of Mind
With substantial coverage, you can rest assured that expensive medical treatments will not burden your finances.
Those with children or elderly parents should opt for health insurance for ₹20 lakh. With a higher sum insured, you can ensure financial protection for all family members.
People residing in cities where medical treatments are expensive can benefit from ₹20 lakh medical insurance. This can help them manage the high healthcare costs.
Those between 40 and 60 years of age are more prone to health issues and would benefit from comprehensive coverage.
Individuals in stressful or hazardous professions should consider a higher sum insured. Thus, ₹20 lakh health insurance would be better as it can offer higher protection against critical illnesses or accidents.
A ₹20 lakh plan offers reassurance that expensive treatments, such as surgeries or long-term hospitalisations, will not drain your savings.
Types of Reliance General ₹20 lakh insurance
Description
Reliance Health Gain Health Insurance
● Offers customisable health insurance plans with varied subtypes, different sum insured and policy tenures.
● You can get coverage of up to ₹20 lakhs with its “Power” plan.
● The Power plan offers coverage for a maximum of 4 adults and 6 children.
● You get coverage for special treatments, daycare procedures, domiciliary hospitalisation, organ donor, AYUSH treatments, ambulance cover, etc.
● You receive inpatient care with no sub-limits.
Reliance Health Super Top-Up Insurance
● With this ₹20 lakh health insurance policy, secure additional coverage for medical expenses.
● It offers coverage of up to ₹1.3 Crore and worldwide emergency coverage for up to 45 days.
● Offers up to ₹5,000 after every 3 consecutive policy years for health check-up tests.
● Get ambulance cover of ₹3500 per hospitalisation with this policy.
● Covers pre-and post-hospitalisation, maternity cover, day care procedures, domiciliary hospitalisation, donor expenses, inpatient care, etc.
● High coverage option at affordable premium rates.
Reliance Health Infinity Insurance
● Secure comprehensive coverage for extensive medical treatments and expenses of up to ₹5 Crores.
● Enjoy global emergency coverage for up to 180 days for medical emergencies abroad.
● In case of a claim, your sum insured gets automatically restored multiple times during the policy term.
● Get ambulance coverage up to ₹5,000 per hospitalisation.
● Covers outpatient department consultations and maternity expenses.
● Offers coverage for medical expenses before and after hospitalisation for up to 90 days.
Reliance General Saral Suraksha Bima
● Provides a 100% lump sum payment of the sum insured in case of death or permanent total disability due to an accident.
● Offers up to 7.5% discount on add-ons.
● Covers specified fractures and burns caused by accidents.
● An education grant is provided to dependent children in case of accidental death or total disability of the insured.
Personal Accident Insurance
● Our health insurance of ₹20 lakh offers a lump sum benefit in case of death due to an accident, ensuring financial security for the family.
● Coverage ranging from ₹2.5 lakhs to ₹10 crore to suit your needs.
● Covers hospitalisation expenses, trauma counselling, fractures, burns, etc., due to an accident.
● Choose from two types of Reliance accident insurance plans, individual or family, depending on your needs.
*Note that these are general lists of inclusions and medical insurance exclusions of ₹20 lakh plans. For more detailed information, refer to your policy wording document.
Most of our health insurance of ₹20 lakh covers individuals between 18 and 65 years old. Some policies, such as the Reliance Health Gain insurance, extend coverage to senior citizens as well.
Our family floater plan allows you to add your spouse, children and dependent parents. Verify the maximum number of dependents covered in your chosen policy.
Individuals buying our policies, especially those above a certain age (usually 45-55 years), are required to submit a medical examination approval. We may also need an examination to verify the claim (if required).
While pre-existing illnesses are covered after a waiting period, individuals with severe health issues may not be eligible to claim expenses for those due to some of our ₹20 lakh health insurance eligibility criteria.
*Note that depending on your choice, specific plans may have specific eligibility requirements. Thus, check eligibility before buying the plan.
Note that the requirement of documents for ₹20 lakh health insurance may vary depending on the plan you choose.
*Note that the policyholder must pay deductibles or uncovered expenses during both the claim processes.
*Note that this is not an exhaustive list. Additional documents may be required based on the specific circumstances of your claim.
Now that you have answered “What is ₹20 lakh health insurance” in detail in the above sections, whether the coverage is enough for you or your family is the next important question.
Health insurance of ₹20 lakh would provide you and your family with adequate coverage to cover expenses incurred for specific medical conditions, doctor’s fees, ICU charges or surgeries. This is, in fact, a wise choice as medical expenses are on the rise, especially in the metro cities.
Thus, ₹20 lakh health insurance policy will adequately protect your loved ones and expensive medical costs for treating critical illnesses. However, we advise you to ensure that your chosen plans offer coverage for your specific medical needs. If it does not cover, you can opt for add-ons from our range of riders.
A ₹20 lakh health insurance policy provides coverage for medical expenses up to ₹20 lakhs. It is designed to cover major hospitalisations, surgeries, critical illnesses and various treatments, ensuring that policyholders are protected from hefty medical bills.
The policy covers hospitalisation, daycare procedures and, in some cases, alternative treatments like AYUSH.
The premium for a ₹20 lakh health insurance plan varies based on factors like age, medical history and the policyholder’s lifestyle. Premiums also increase with age and additional riders, such as critical illness coverage or maternity benefits.
The best ₹20 lakh health insurance policy depends on individual needs. For comprehensive coverage, look for a policy that offers cashless treatment, wide coverage for critical illnesses, hospitalisation expenses and additional benefits like ambulance cover and annual check-ups.
You can find these features in our Health Gain and Health Infinity Insurance plans.
A ₹20 lakh health insurance plan typically covers hospitalisation, surgeries, ICU charges, doctor's fees and pre- and post-hospitalisation expenses. Some policies also include daycare treatments, ambulance fees and coverage for alternative treatments under AYUSH.
The plan helps manage major healthcare expenses, protecting your savings during medical emergencies.
Eligibility for a ₹20 lakh health insurance policy usually depends on the applicant’s age and medical history. Most insurers provide plans for individuals aged 18 to 65, though senior citizens may face higher premiums. Pre-existing conditions may have a waiting period before coverage starts, so it is essential to read the policy terms carefully.
The primary benefits of our ₹20 lakh health insurance policy include wide coverage for hospitalisation, surgeries and critical illnesses. It also offers peace of mind, knowing that you are financially protected against significant healthcare expenses.
Our policies with cashless treatment options further simplify the process, ensuring you do not need to pay upfront at hospitals.
To find the best ₹20 lakh health insurance policy, compare plans on our website for coverage, premiums, sum insured and other benefits. Look for policies that offer comprehensive coverage for your needs, affordable premiums and value-added services like health check-ups or wellness programs.
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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: 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 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: 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. 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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