Health Insurance in Tamil Nadu

​Health insurance in Tamil Nadu plays a key role in ensuring easy access to healthcare services to the public. In fact, the best health insurance policies in Tamil Nadu function as financial safety tools that allow you to overcome your medical emergencies without any financial challenges.

So, whether you are looking for an individual health policy or a family insurance plan, we have tailored Reliance health insurance schemes in Tamil Nadu to cover your exclusive needs. With us, you can expect:

5 Crore+ Policyholders*

Cashless Hospitalisation Anywhere

100%* Claims Settlement

Premiums Starting at ₹243/month*

Importance of Health Insurance in Tamil Nadu

Rising Medical Cost

Healthcare services cost in Tamil Nadu is increasing sharply, similar to the rest of the country. Dealing with hefty expenses without health insurance can lead to financial challenges and debt.

Increased Risk Exposure

Whether it is seasonal ailments or deadly virus outbreaks like COVID-19, individuals are exposed to serious health risks that can lead to significant financial burdens.

Financial Risk Management

Health insurance is important for the overall financial protection and risk management. By offering necessary coverage, it safeguards your savings during medical emergencies.

Also Read: The Role of Health Insurance in Wellness Programmes

Health Statistics and Major Health Problems in Tamil Nadu

• According to a health survey conducted on people above 30 years of age, it is found that:
  • About 20% of individuals are suffering from stress and hypertension.
  • About 10% of people have heart disease.
  • Nearly 30% of adults have diabetes mellitus.
• As per the findings of TNHSP, cervical cancer and cardiovascular diseases are the biggest threats to the people of Tamil Nadu.

Source: Tamil Nadu Health Systems Project, TN Department of Health and Welfare​

Why Do You Need Health Insurance in Tamil Nadu?

These are just a handful of reasons why you should immediately purchase a suitable health insurance policy. It is a necessary tool that protects you and your family from unexpected medical crises and ensures financial stability.

How Much Health Insurance Coverage Do You Need in Tamil Nadu?

Health insurance coverage requirements are different for each individual. These are calculated based on your age, health status, medical background and income, among other factors.

Below is an approximate estimate for the health insurance coverage in Tamil Nadu to provide you with a general idea about the premium cost:

For an accurate estimate, use our health insurance premium calculator or contact us.

Types of Reliance Health Insurance Plans in Tamil Nadu

Reliance Health Insurance Key Features and Benefits

Key Features	Reliance Advantage
Affordable Premiums	Starts at ₹243/month
Multiple Sum Insured Options	₹3 Lakhs to ₹5 Crores
Claim Settlement Ratio	100% (FY 2023-24)
Cashless Hospitalisation	✓
Day Care Treatment	✓
Mo​dern Treatment	✓
AYUSH Treatment	✓
Types of Policies	Individual, Family and Group
Critical Illness Cover	✓
Network Hospitals	10,000+
In-Patient Hospitalisation	✓
Domiciliary Hospitalisation	✓
Restoration of Sum Insured	✓
Zero Paperwork	Online purchases and processes via our website and Reliance Self-i mobile app.
Room Rent	✓
Organ Donor	✓
Emergency Ambulance	✓
Optional Add-Ons	OPD Cover, Maternity Cover, Room Rent Waiver, Restore Benefit Cover and more.

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

Simple Online Purchase	Zero Paperwork
We have a simple and quick policy purchase process with zero paperwork. You can buy health insurance in Tamil Nadu directly from our website or Reliance Self-i application.	We offer paperless insurance policies to save you from the hassle of time-consuming documentation. Enjoy digital insurance without worrying about losing or misplacing policy papers.

Easy Online Comparison	Affordable Premiums and Discounts
When buying online, you can compare multiple plans to make an informed decision. This allows you to select the best policy based on your unique needs.	Our health insurance premium rates are pocket-friendly, starting from only ₹243 per month. In addition, you can get up to 40% discounts when buying insurance online.

Secure and Transparent

Purchasing health insurance online is a completely secure and transparent process. We use a robust digital system to keep your confidential data away from unauthorised access.

How to Find the Best Health Insurance in Tamil Nadu?

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Review Customer Feedback	Understand Terms and Conditions
Check out customer reviews to learn about the various pros and cons of your chosen health insurance plan. This step is necessary to make an informed decision.	Don’t finalise a policy before understanding its terms and conditions. Take enough time to go through the policy papers and read every clause to avoid any confusion.

Also Read:Why It Is Important To Have An OPD Cover With Health Insurance?

Types of Health Insurance Plans in Tamil Nadu

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What Do Reliance Health Insurance Policies in Tamil Nadu Usually Cover and Not Cover?

The inclusions and exclusions of Reliance health insurance in Tamil Nadu differ based on the type of policy. Below is a list of common events that are covered and not covered under our health plans:

Inclusions

Inclusions	Details
Pre- and Post-Hospitalisation	Offers financial assistance up to 60 days before and 40 days after hospitalisation.
In-Patient Treatment	Covers healthcare expenses due to illness, injuries and other unforeseen events. It includes consultation charges, ambulance charges, room rent, etc.
Day Care Procedures	Covers treatments that do not require more than 24 hours of hospitalisation.
Organ Donor Expenses	Covers the cost of organ transplant surgery and related expenses.
Ambulance Cost	Covers ambulance charges incurred during medical emergencies.
Ayush Treatment	Covers alternate treatments, including Ayurveda, Yoga, Unani, Siddha and Homeopathy.
Preventative Healthcare	Covers yearly routine check-ups.
Modern Treatment	Covers advanced treatments like stem cell therapy, robotic surgeries, laser operations, etc.

Exclusions

• Injuries due to war, nuclear invasion or related hazards.
• Self-inflicted injuries, suicide/attempt-to-suicide.
• Cosmetic treatments.
• Obesity and lifestyle-related surgeries.
• Dental treatment (unless covered with an add-on)
• Maternity treatment (unless covered with an add-on)
• IVF treatments.
• Pre-existing conditions during the waiting period.
• Claims raised after policy expiry.

Buying and Renewing Reliance Health Insurance in Tamil Nadu

Reliance Health Insurance Online Purchase Process

• Step 1:Go to our Health Insurance Page.
• Step 2: Enter your name, contact details and other required information.
• Step 3: Choose the type of plan you want to buy: Individual, Family, Senior Citizen, etc.
• Step 4: Click “View Prices” to receive an instant quote.
• Step 5:If you are satisfied with the quote, customise your plan and add a few other details.
• Step 6:Pay the specified premium amount.

Reliance Health Insurance Renewal Process

• Step 1:Open the Reliance General Insurance website and go to our Health Insurance Renewal
• Step 2: Enter your policy or mobile number.
• Step 3: Review the existing plan and make the necessary adjustmentsusing available add-ons.
• Step 4: Pay the premium using any online method of your choice.

Documents Required for Reliance Health Insurance Purchase/Renewal

• Proof of Age (Aadhaar, Birth Certificate)
• Proof of Address (PAN card, Aadhar Card, Driving Licence, etc. )
• Proof of Income (Bank statements, recent salary slips)
• Medical Reports
• Existing Policy Papers (for renewal)
• Other documents required by our team.

How to File a Claim for Reliance Health Insurance in Tamil Nadu?

Cashless Claim Process

• Step 1: Register your claims immediately through our claims helpline or Reliance Self-i You can also intimate your claim by sending us an email.
• Step 2:Once your claim is approved, get the necessary treatment at any hospital of your choice.
• Step 3: Once treatment is done, submit the required documents for a cashless settlement.

Reimbursement Claim Process

• Step 1: Register your claim using the same process mentioned above.
• Step 2:Get the required treatment done at any hospital of your choice.
• Step 3: After treatment is complete, pay all the bills in full and collect the invoices.
• Step 4:Submit all the invoices along with other necessary documents for reimbursement.

Documents Required

• Duly filled and signed health insurance claim form.
• Original bills and invoices incurred during hospitalisation.
• Original discharge papers.
• Prescription letter from the attending doctor.
• FIR (if applicable)
• Policy Documents
• Other documents based on your claim.

Reliance Network Hospitals in Tamil Nadu

The Reliance network hospitals are hospitals and authorised healthcare facilities we have partnered with to offer streamlined medical care services to our policyholders. We have more than 10,000 network hospitals located across Tamil Nadu and India as a whole.

About Cashless Everywhere Initiative 2024

The “Cashless Everywhere” initiative launched recently by the General Insurance Council in January 2024 allows health insurance policyholders to receive cashless treatment at any hospital across India.

Once your treatment is complete at a non-network hospital, you can file a claim with our TPA to settle your bills cashlessly.

Why Choose Reliance Network Hospitals?

While cashless treatment is available at non-network hospitals, it often comes with a complicated process.

This is why it is recommended that you get your treatment at Reliance Networks Hospitals. We offer a quick cashless claims settlement with a straightforward procedure. Here are some other reasons to choose our network facilities:

• Easily Accessible Network of 10,000+ Hospitals
• Trusted and Experienced Medical Professionals
• High-quality Treatment
• Streamlined Claims Procedure

Wellness and Prevention Tips in Tamil Nadu

• Have a balanced diet rich in both macro and micronutrients.
• Drink plenty of water to keep your body hydrated in the hot climate.
• Wear sunscreen to protect your skin from sun damage.
• Stay updated regarding vaccination for various diseases like COVID-19, Hepatitis, etc.
• Practise good personal hygiene and keep your surroundings clean.
• Exercise regularly to stay fit and active.
• Take routine health check-ups to detect health problems in their early stage.
• Practice yoga and meditation to improve your mental health.
• Avoid eating excessive salt and sugar.

Also Read: Why It Is Important To Get A Full Body Check-Up At Least Once A Year?

Frequently Asked Questions (FAQs)

• Do you offer NRIs health insurance in Tamil Nadu?

Yes. NRIs and frequent overseas travellers in Tamil Nadu can purchase our Reliance Health Infinity plan to enjoy global medical coverage. This plan covers planned hospitalisation abroad.

• What is the best medical insurance in Tamil Nadu for families?

Our Reliance Health Gain Insurance is an excellent Tamil Nadu health scheme for families. It offers up to ₹5 lakh sum insured and can be used to insure up to 6 members of your family.

• What is the cost of health insurance in Tamil Nadu?

The cost of medical insurance in Tamil Nadu is subjective. It depends on your age, health, medical history, type of policy, chosen sum insured, risk exposure and more. You can calculate your health insurance premiums using our health premium calculator.

• What is the tenure of health insurance in Tamil Nadu?

The tenure of health insurance in Tamil Nadu ranges from 1 to 5 years. At Reliance General Insurance, you can choose from annual and multi-year policies. To get maximum discounts, consider buying a multi-year plan online.

• What is the highest health insurance coverage offered by Reliance General Insurance?

We offer up to ₹5 crore sum insured with our health insurance plans.

• What is the minimum age limit for buying medical insurance in Tamil Nadu?

The minimum age limit for buying Tamil Nadu medical insurance is 18 years. So, if you are above this age and have a fixed source of income, you can buy a suitable health insurance plan.

Relevant Links for Health Insurance

Health Insurance | Health Insurance Plans For Family | Health Insurance For Senior Citizens | Health Insurance Premium Calculator | Health Insurance For Parents | Critical Illness Insurance | Maternity Insurance | Personal Accident Insurance | Cashless Health Insurance | Arogya Sanjeevani Policy | Super Top Up Health Insurance | Group Mediclaim Policy | International Health Insurance | Health Insurance For Kids | Individual Health Plans | Insurance For Disabled | Reliance Health Gain Policy | Reliance Health Infinity Insurance | Saral Suraksha Bima | Hospi Care Insurance

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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 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). 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.