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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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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 HospitalisationAnywhere
100%*Claims Settlement
Premiums Starting at₹243/month*
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.
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.
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
Source: Tamil Nadu Health Systems Project, TN Department of Health and Welfare
Cashless Hospitalisation
High-Quality Medical Care
Tax Benefits
Health insurance offers cashless hospitalisation benefits. This means you can get treatment at any hospital without worrying about the hefty upfront payments.
Health insurance offers immediate access to high-quality medical care at the network hospitals. With the right health insurance policy in Tamil Nadu, you can get the necessary medical attention for your planned or emergency treatments.
As per Section 80D of the Income Tax Act, you can get deductions on your annual health insurance premiums up to ₹1 lakh. This is another reason why you should consider buying 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.
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:
Category
Coverage Needed (Approx)
Annual Premiums (Approx)
Self/Individual
₹10 to ₹15 lakhs
₹15,000 to ₹20,000
Family (Self, Spouse, One Dependent Child)
₹15 to ₹20 lakhs
₹20,000 to ₹35,000
Parents Above 65 Years of Age (Mother and Father)
₹20 to ₹25 lakhs
₹35,000 to ₹50,000
For an accurate estimate, use our health insurance premium calculator or contact us.
Reliance Health Insurance Policy
Key Features and Benefits
Reliance Health Gain Plan
● Offers comprehensive coverage to families under a single policy.
● Covers daycare treatments, pre and post-hospitalisation expenses, in-patient/out-patient care and more.
● Lifetime renewability with multiple sum insured options.
Reliance Health Infinity Plan
● Designed to offer high coverage via multiple sum insurance options up to 5 Crores.
● Covers pre-existing diseases after a short waiting period.
● Covers domiciliary treatment and annual health check-ups.
Reliance Health Global Plan
● Offers medical coverage outside of India for planned treatments.
● Highly recommended for frequent international travellers and NRIs.
Reliance Hospi Care Insurance Plan
● Offers a single fixed payout for pre-defined treatments.
● Offer daily hospital allowance and ICU allowance.
● No pre-policy check-up is needed.
Reliance Super Top-Up Plan
● Provides coverage above your base sum insured.
● Can be purchased with an existing health insurance scheme in Tamil Nadu.
● Recommended for family plans and pre-existing diseases.
Reliance Specially Abled Health Insurance
● Tailored to meet the unique needs of specially-abled individuals.
● Covers emergency hospitalisation and other specialised procedures.
● Offers extensive coverage at low premiums.
Reliance Group Mediclaim Insurance
● Covers a group of employees or individuals under a single plan.
● Offers pre-existing disease coverage from day 1.
● No medical check-up is required for group members.
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)
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Day Care Treatment
Modern 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.
Simple Online Purchase
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.
Assess Coverage Needs
Select Right Policy
Compare Plans Online
Determine your coverage requirements based on your age, health condition, number of family members and other factors.
Choose a suitable policy based on your requirements and budget. To enjoy dedicated coverage, make sure to select the right policy that aligns with your needs.
Compare different plans online based on their features, sum insured, inclusions and exclusions and so on.
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?
Individual Health Insurance
Family Health Insurance
Offers medical coverage for a single person. It includes coverage for pre- and post-hospitalisation, room rent, daycare procedures, etc.
Offer extensive coverage to multiple family members under a single policy. Covers hospitalisation, pharmacy bills, doctor fees, etc.
Senior Citizen Health Insurance
Critical Illness Insurance
Offers specialised coverage for aged individuals. Covers pre-existing diseases, planned treatments, outpatient care, etc.
Offers coverage against pre-specified life-threatening diseases, such as cancer, kidney failure, cardiac problems, etc.
Group Health Insurance
International Health Insurance
Offers coverage for a group of individuals, such as a corporate group. Included coverage for medical emergencies, maternity care, etc.
Offers worldwide coverage for planned treatments. It is a useful plan for international travellers and NRIs.
Top-up Health Insurance
Offers additional coverage after the existing sum insured is exhausted. It comes with higher sum insured amounts at low premiums.
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
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.
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.
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.
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:
Also Read: Why It Is Important To Get A Full Body Check-Up At Least Once A Year?
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.
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.
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.
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.
We offer up to ₹5 crore sum insured with our health insurance plans.
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.
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.
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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.
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