Health Insurance in Delhi

​Delhi has always faced high levels of pollution, which has led to severe health issues among its residents. Long-term exposure can even lead to serious respiratory disorders that can cause cardiovascular complications.

Health insurance in Delhi with extensive financial protection can help you pay for any unexpected medical expenses.

Reliance General Insurance offers different types of health insurance plans in Delhi with multiple add-on options to offer the best cov​​erage.

Importance of Health Insurance in Delhi

• High Medical Costs - Medical treatments in Delhi are becoming expensive due to its advanced infrastructure and the rising demand for healthcare services.
• High Levels of Air Pollution and Lifestyle Diseases - The New Delhi Air Quality Index has consistently remained at unhealthy levels for several months. These high levels of air pollution can cause respiratory issues like asthma and bronchitis.

With a hectic lifestyle and irregular routines, it can even lead to lifestyle diseases, including hypertension and diabetes.

• Comprehensive Financial Protection - Health insurance plans in Delhi offer comprehensive coverage against various healthcare expenses. These include hospitalisation, pre- and post-hospitalisation, critical illnesses and more.

Health Statistics and Major Health Problems in Delhi

• Respiratory Issues

Airborne particulate matter (PM) is a major threat to both respiratory and cardiovascular health.

The current safe limits for PM_2.5 and PM₁₀ are 40µg/m³ and 60µg/m³

The Annual Pollutant Levels of PM_2.5 (diameter less than 2.5 microns) and PM₁₀ (diameter less than 10 microns) in NCAP (National Clean Air Programme) cities, other industrial/metro cities, Delhi 2016-22 are as follows:

• Heat-Related Illnesses

Extreme heat can cause HRI (Heat-Related Illnesses), from prickly heat to fatal heatstroke. According to National Heat-Related Illness Surveillance, Delhi reported 580 cases in 2019, 64 in 2020 and 315 as of June 2022.

• Vector-borne Diseases

Climate change has also resulted in the spread of vector-borne diseases in Delhi. Some of the major mosquito-borne diseases are:

Source: ​State Action Plan for Climate Change and Human Health 2023

Why Do You Need Health Insurance in Delhi?

• To Get Access to High-Quality Medical Treatments - As discussed in the previous section, medical treatments are expensive in Delhi. With medical insurance in Delhi, you can get access to high-quality treatment for your planned medical procedures or unexpected emergencies.
• For Cashless Treatment Options - By purchasing a health insurance policy, you can benefit from cashless treatments in some of the best healthcare centres in Delhi.
• For Extensive Financial Protection - Respiratory issues due to poor air quality can become chronic, requiring ongoing medical care. The best health insurance in Delhi with extensive coverage can help you manage such expenses whenever the need arises.
• To Cover Specific Treatments - Apart from regular medical expenses, a health insurance policy can also provide coverage for specific illnesses, such as critical illnesses that require specialised treatment.
• For Preventive Care - With medical insurance in Delhi, you can also get coverage for preventive care, such as routine health check-ups, doctor consultations, and more.

Also Read: What is Health Insurance: A Comprehensive Guide for Beginners

How Much Health Insurance Coverage Do You Need in Delhi>

The extent of health insurance coverage required should depend on your personal or family circumstances, such as your age, health condition, pre-existing diseases, cost of treatment in your location, family medical history, future healthcare expenses and annual income.

It is highly recommended that you have health insurance coverage equivalent to 50% of your annual income, with a minimum of ₹10 lakhs. In case of specific medical concerns, opt for higher coverage to ensure adequate protection.

You can use our Reliance Health Insurance Premium Calculator to compare prices and choose suitable coverage.

Here is a simple illustration of the different categories of health insurance requirements and the applicable costs.

*Prices are indicative and can differ for individual circumstances. Kindly use our online health insurance premium for the best quotes.

Reliance Health Insurance Plans in Delhi

Why Choose Reliance Health Insurance – Key Features and Benefits

Why Should You Buy Online Health Insurance in Delhi from Reliance General Insurance?

• Quick and Convenient - Reliance General Insurance offers a well-structured online platform that helps you purchase a health insurance policy in a few simple steps online. It can be purchased at the comfort of being at your home.
• Discounts - By purchasing Reliance General Health Insurance online, you can benefit from a discount on premiums of up to 40%.
• Easy to Compare - Comparing the different health insurance policies becomes easier online with the features detailed side-by-side with the premium quotes.
• Instant Purchase - When you buy health insurance online, you can benefit from instant confirmation and policy issuance.
• Zero Paperwork and Transparent Process - You don’t have to gather and secure all the necessary documents physically. You can access the policy documents online and go through a transparent process.
• 24/7 Customer Support - In case of any queries, our customer service team is available 24/7 to address them and guide you through the process.

Types of Health Insurance Plans in Delhi

What Do Reliance Health Insurance Plans in Delhi Usually Cover and Not Cover?

Inclusions

The inclusions can vary depending on the plan and the optional covers chosen. Some of the common inclusions are as follows:

Exclusions

Exclusions can be specific to the health insurance plan and optional covers. Here is a list of the most common exclusions:

• Investigation or evaluation without any treatment
• Rest, Rehabilitation and Respite Care
• Cosmetic and Plastic Surgery
• Obesity Treatment
• Change of Gender Treatments
• Self-Inflicted Injuries and Suicide Attempts
• Treatments related to alcohol or drug abuse
• Experimental, unproven or unauthorised treatments
• Maternity expenses, unless included by an add-on
• Cost of hearing aids and spectacles
• Treatment for pre-existing diseases within the waiting period
• Treatments for illnesses resulting from a war
• Cosmetic and Aesthetic treatments
• Dental treatment, unless required due to an accident

How to Find the Best Health Insurance in Delhi?

• Assess your Requirements - Analyse your requirements by considering your health condition, family’s medical history, lifestyle, work environment and annual income.
• Find Health Insurance Plans - Find health insurance plans in Delhi that can satisfy your requirements.
• Compare Health Insurance Policies - Compare the different health insurance policies based on their features and benefits to short-list a few products. Ensure to choose a broader cover.
• Look out for the Network of Hospitals - Compare the network reach of hospitals associated with the health insurance companies in Delhi to determine their accessibility.
• Understand waiting period, policy inclusions and exclusions - Focus on the waiting period and the policy inclusions and exclusions to ensure the coverage meets your healthcare needs.
• Review Customer Feedback and Claim Procedures - Review customer feedback and claim procedures to find the best health insurance company in Delhi to ensure a reliable experience.
• Use a Health Insurance Premium Calculator - Determine the premium applicable to the short-listed products using a health insurance premium calculator to decide on the most affordable and best health insurance in Delhi.

Also Read: A Guide to Comparing and Choosing the Perfect Health Insurance

Buying and Renewing Reliance Health Insurance in Delhi

Reliance Health Insurance Online Purchase Process

• Step 1: Visit our Reliance ​Health Insurance Online page.
• Step 2: Provide your name, mobile number, pincode and click on ‘View Prices’.
• Step 3: Choose the type of coverage required, whether Individual, Family, Parents or In-laws and proceed.
• Step 4: Choose the sum insured required and compare the different health insurance policies to determine the most suitable solution.
• Step 5: Pay the applicable premium and get your medical insurance in Delhi issued instantly.

Reliance Health Insurance Renewal Process

• Step 1: Visit our Renew Health Insurance
• Step 2: Provide your mobile number or health insurance policy number to proceed.
• Step 3: Verify the details of your existing policy and modify it if necessary by revising the coverage, including optional add-ons.
• Step 4: Pay the applicable premium and get the health insurance policy renewed instantly.

Documents Required

• Proof of Age and Identity- Aadhaar Card, Passport, Driving Licence, etc.
• Proof of Address- Aadhaar Card, Ration Card, Passport, etc.,
• Proof of Income- Bank Statements, Salary Pay-Slips, or ITR Forms
• Medical Reports, if applicable
• Completion of the C-KYC Process (Central Know Your Customer process) as per the AML guidelines issued by IRDAI
• Photographs

How to File a Reliance Health Insurance Claim in Delhi?

Cashless Claims

• Step 1: Inform us and register a claim by calling us on our paid helpline number - +91 48903009, writing to us (rgicl.rcarehealth@relianceada.com), or logging on to our Reliance Self-i App.
• Step 2: Visit any of our network or non-network hospitals.
• Step 3: Submit the pre-authorisation form for your health insurance in Delhi within 24 hours in case of an emergency and at least 48 hours before a planned hospitalisation.
• Step 4: Submit the medical reports and bills at the hospital.
• Step 5: We will settle the bills directly with the hospital.

Reimbursement Claims Process

• Step 1: Inform us regarding the claim using any of the above-discussed options.
• Step 2: Visit any authorised hospital and receive the treatment.
• Step 3: Pay the applicable expenses upfront out of your pocket.
• Step 4: Within 7 days of discharge, submit a scanned copy of all the necessary documents, including medical reports, bills and payment receipts.
• Step 5: We will review your documents and reimburse the amount for applicable expenses.

Documents Required

• Original claim form
• Medical reports
• Original bills
• Payment receipts
• Medical practitioner’s prescription
• Discharge summary
• Pharmacy bills
• First Information Report (FIR), if applicable
• Any other specific documents

Reliance Network Hospitals in Delhi

Network hospitals are those hospitals that have partnered with us to provide cashless hospitalisation services. It means we will directly settle your medical bills with the hospital.

By visiting our network of hospitals, you cannot only benefit from cashless claims but also gain access to quality medical procedures. We have established our network of hospitals in over 10,000 locations across India.

One important point to note is the recent General Insurance Council announcement on ‘Cashless Everywhere’. This means you can benefit from cashless hospitalisation also in non-network hospitals. So, you can walk into any authorised hospital, network hospital or non-network hospital for cashless treatments.

While cashless treatments are applicable anywhere, the procedures can be simple and streamlined in our network hospitals. Here is how you can locate our network of hospitals.

Wellness and Prevention Tips in Delhi

• Wear a mask whenever you step outside of your house.
• Use air purifiers at home to improve indoor air quality.
• Stay indoors on high-pollution days.
• Grow plants indoors, which can purify the air.
• Have a nutritious diet and stay hydrated.
• Develop a perfect workout routine.
• Practice yoga and breathing exercises to prevent respiratory diseases.
• Plan for annual check-ups and keep your health status in check.

Also Read: ​10 Tips to Healthy Heart

Frequently Asked Questions (FAQs)

1. Do you offer NRIs health insurance in Delhi?

Yes, Reliance General Insurance offers health insurance plans for NRIs.

2. Does the Reliance General Health Insurance plan available in Delhi cover COVID-19?

Yes, our Reliance General Health Insurance plans, Reliance Health Infinity and Reliance Health Gain cover COVID-19 medical expenses.

3. Are AYUSH treatments covered under Reliance General Health Insurance plans?

Yes, AYUSH treatments are covered under Reliance Health Plans

4. Which is the best medical insurance in Delhi?

The best health insurance plan in Delhi is the one that provides adequate coverage for all your healthcare needs at an affordable premium. You need to assess your requirements, compare our different health insurance plans and then choose the best health insurance policy that meets your requirements.

5. How can I calculate health insurance quotes in Delhi?

You can use our Reliance Health Insurance Premium Calculator to determine the premium quotes for our health insurance plans in Delhi.

6. Why should I buy medical insurance at a younger age?

You can consider buying health insurance at a younger age for the following reasons:

1. Younger individuals are also bound to be affected by various health concerns these days.
2. Benefit from lower premium rates due to lower health risks.
3. Accumulate higher discounts on premiums during long-term coverage.
4. Younger individuals can get extensive coverage at an affordable premium.

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.
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.
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).
The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
Maximum discount applicable for Reliance Health Infinity Insurance policy is up to 35%.
The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122
Maximum discount applicable for Reliance Health Gain Policy is 40% excluding long term healthy discount(aggregate)
The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.
Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324