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Get ₹1 Crore health insurance from Reliance General Insurance starting at ₹243* per month!
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Whether you live in metropolitan cities with rising healthcare costs or have dependents who need extra medical care, Reliance General Insurance offers tailored ₹1 Crore health insurance plans to meet your growing medical needs.
Our plans are bundled with benefits like 100% claims settlement, exclusive discounts, online purchase/renewal and more.
Affordable Premiums from ₹243/month*
Trusted by 5 Crore+Policyholders
Cashless TreatmentAnywhere
100%Claims Settlement*
Exclusive DiscountsUp to 40%*
A ₹1 Crore health insurance plan is a health policy that covers medical treatment costs up to a limit of ₹1 Crore. This means you can claim financial assistance or reimbursement under your ₹1 Crore plan up until you fully exhaust that amount.
Our ₹1 Crore medical insurance covers a broad range of healthcare expenses due to hospitalisation, day care treatments, minor surgeries, diagnostics, doctor consultation, emergency ambulance, pharmacy expenses and more.
Visit our website or the Reliance Self-i mobile application to buy health insurance with ₹1 Crore sum insured.
Next, pay the specified premiums to maintain your ₹1 Crore health coverage during the selected policy period.
Enjoy medical coverage and benefits like cashless hospitalisation, preventative healthcare, annual check-ups, tax savings, etc.
During a medical emergency, file a claim conveniently by calling our claims department or using the Reliance Self-i app.
Once the claim is approved, opt for cashless settlement at an authorised hospital or get reimbursed after paying for your treatment in full.
₹1 Crore health insurance offers a claim limit of ₹1 Crore. This amount ensures complete financial protection against a range of unforeseen medical emergencies for you and your family.
A ₹1 Crore medical insurance policy also allows you to increase your tax savings under the old regime. As per Section 80D of the IT Act, you can claim up to ₹1 lakh tax deductions every year on health insurance premiums paid towards an individual or family plan.
With a Reliance ₹1 Crore medical insurance policy, you can now get cashless services at any authorised hospital in India. This allows you to receive high-quality medical treatment at a hospital of your choice.
₹1 Crore health insurance covers expensive modern-day treatments such as robotic surgery, stem cell therapy, etc.
Individuals with higher income can opt for ₹1 Crore health insurance to safeguard against potential medical emergencies. The right plan helps cover hefty medical expenses without any financial strain.
Families, especially those living in metropolitan cities, must opt for ₹1 Crore health insurance to cover their family members' potential medical expenses. This plan offers access to top-quality treatment without compromising your budget.
Individuals with serious pre-existing conditions and poor lifestyle habits (smoking, drinking, sedentary lifestyle) can also opt for a ₹1 Crore health insurance policy, as they are more likely to develop health ailments later in life.
Entrepreneurs and business owners can also buy ₹1 Crore health insurance to minimise their financial risk during medical crises. It is even more essential for individuals in high-risk professions such as construction, mining, sports, etc.
1 Crore Medical Insurance Types
Features and Benefits
Reliance Health Gain
● Comprehensive health insurance with up to ₹1 Crore sum insured.
● Covers emergency hospitalisation, pre- and post-hospitalisation, ambulance charges, daycare treatments and more.
● Covers AYUSH treatments.
● No sub-limits on in-patient care.
● Offer up to 40% discounts, including family discounts, long-term discounts, girl-child discounts, etc.
● Recommended for individuals and families looking for extensive financial protection.
Reliance Health Infinity
● Includes up to ₹5 Crore sum insured with options starting from ₹5 lakh.
● Covers global medical expenses with MoreGlobal add-on.
● Covers alternate treatments, such as AYUSH.
● Covers domiciliary hospitalisation, organ donor expenses and other expensive treatments.
● Includes wellness programs and annual health check-ups.
Reliance Super Top-up Health Insurance
● Offers coverage after the existing health insurance policy is exhausted.
● Offers up to ₹1.3 sum insured at affordable premiums.
● Covers critical illness treatments.
● Offers up to 35% discounts.
● Include maternity and childbirth cover.
● Recommended for policyholders with growing coverage requirements, such as senior citizens and family owners.
First and foremost, learn about your coverage needs before searching for the best 1 Crore health insurance plan. When doing so, take into account factors like your income, age, health conditions, location and other relevant factors.
Health insurance for ₹1 Crore is available in the form of individual and family-floater options. If you want to have insurance for all your family members without exceeding your budget, consider purchasing a family-floater policy.
This is another proven tip for choosing 1 Crore health insurance with the best features and benefits. So, before finalising a policy, make sure to compare multiple plans based on their features, inclusions, exclusions, claims process and more.
To enjoy personalised coverage, customise your 1 Crore health insurance plan using optional features and add-ons. These include Critical Illness Covers, Dental Covers and more.
To buy the best 1 Crore health insurance policy at an affordable price, make sure to buy your plan online from our website or the Reliance Self-i application. You can get attractive deals and discounts of up to 40%* when you buy your plans online.
*This is a general list of inclusions and exclusions in 1 crore health insurance. For the full list, please refer to the policy wording document of your chosen Reliance health insurance policy.
1 Crore Medical Insurance Eligibility
Details
Age
Adults: 18 to 65 Years
Dependent Children: 91 Days to 25 Years
Policy Period (Tenure)
1, 2 or 3 Years
Initial Waiting Period
15-30 Days
Pre-existing Disease Waiting Period
1 to 3 Years
Pre-medical Check-up
May be needed based on your age and type of policy.
Age definitely plays a role here since younger individuals are offered lower premium rates than older adults. This is because younger candidates are less likely to develop critical illnesses.
₹1 Crore health insurance premiums will be higher if you live in Tier-1 or metro cities. The higher the cost of healthcare services in your city, the higher your premiums will be.
If you have pre-existing health conditions that require extensive medical coverage, you are likely to attract higher premium rates.
Optional add-ons or riders are excellent for enhancing the coverage. However, they come at an added cost. Hence, it is recommended that you choose add-ons wisely.
In general, yearly policies come at higher premiums than policies purchased for a longer tenure, like 3 or 5 years. If you want to enjoy low premium rates, invest in a multi-year or long-term 1 Crore health insurance policy.
The answer to whether or not ₹1 Crore health insurance is enough depends on multiple factors. These include your location, age, medical history and unique healthcare needs. Here are a few important parameters to help you decide whether ₹1 Crore health insurance is for you or not:
Your location plays a key role in deciding your sum insured limit, as healthcare costs vary based on your geography. For example, medical costs in cities like Delhi, Mumbai and Bangalore are much higher than in Tier-2 or Tier-3 cities. If you live in metropolitan cities, then ₹1 Crore health insurance should be sufficient for you.
If you or your dependents are suffering from critical health ailments such as heart conditions, cancer, kidney issues, etc., then a ₹1 Crore health insurance policy may be needed to cover surgery and treatment costs.
If you want to insure all your family members under a single policy, then ₹1 Crore health insurance is enough for you. It will offer the required coverage and benefits to all your family members.
Besides comprehensive coverage, having a family floater policy is much more convenient and affordable than buying an individual plan for each member.
A ₹1 Crore health insurance is a suitable choice for individuals with a serious medical history or any pre-existing conditions. This plan is sufficient to cover the potential medical risks you are exposed to.
Premium healthcare services like private AC rooms, personalised medical plans, modern/technologically advanced surgeries, etc., come at an expensive cost. If you want to enjoy such services without increasing your out-of-pocket expenses, then choosing ₹1 Crore health insurance is a smart decision.
If you live in Tier-1 cities and have extensive medical requirements, then ₹1 Crore medical insurance is definitely worth buying.
At Reliance General Insurance, you can buy an annual health insurance policy or choose between 2/3/5 years for a multi-year plan.
The premium for 1 Crore health insurance is determined on the basis of various factors like age, medical history, location, policy type and tenure and so on. You can use our online health insurance calculator to estimate your 1 Crore health insurance premium based on these factors.
The answer depends on multiple factors, such as your location, age and family health condition. In most cases, a health insurance policy with ₹1 Crore sum insured is enough to cover a family's medical emergencies.
Yes. We offer plans like Reliance Health Gain and Reliance Health Infinity that offer ₹1 Crore sum insured option and excellent coverage for senior citizens. Get your quote today for more details.
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 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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