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Health insurance has become a necessity for everyone regardless of their health status and income. The main reasons behind this include rising healthcare expenses and increased exposure to various health problems.
If you are planning to buy health insurance but are worried about the hefty premiums, a 10 lakh health insurance policy is a perfect option for you. It is carefully designed to offer the required coverage at affordable premium rates.
At Reliance General Insurance, we offer multiple health insurance plans with ₹10 lakh sum insured option to suit your budgets and exclusive requirements.
Affordable Premiums from ₹243/month*
Trusted by 5 Crore + Policyholders*
Cashless Treatment Anywhere
100% Claims Settlement*
Exclusive Discounts Up to 40%*
A 10 lakh health insurance plan is a type of plan that offers ₹10 lakh sum insured. In simple words, you can claim up to ₹10 lakh in the event of covered medical emergencies. This is the maximum financial support you can get from your health insurance.
The 10 lakh medical insurance plan is an excellent option for first-time insurance buyers and those with moderate coverage requirements. It offers wide coverage at low premiums.
Moreover, the premiums of this plan are calculated based on factors such as your age, coverage requirements, location, health risks and so on.
Must Read: What is Health Insurance? A Comprehensive Guide for Beginners
Buy a Plan
Pay Premiums
Get Benefits
Raise a Claim
Enjoy Cashless or Reimbursement Claims
Buy your desired health insurance plan online or offline and select ₹10 lakh as your sum insured.
Pay your premiums to maintain coverage.
(Premiums are calculated based on selected coverage)
Enjoy various benefits such as cashless hospitalisation, necessary medical coverage and so on.
Got a medical emergency? – Contact your insurer's claim department and submit the necessary documents.
You can get your claims settled cashlessly, or you can pay first and get reimbursed at a later date.
Comprehensive Coverage
Affordable Premiums
A health insurance plan with ₹10 lakh sum insured is sufficient to cover various hospitalisation expenses such as pre- and post-hospitalisation, ICU charges, room rent, pharmacy bills, consultation charges and more.
10 lakh medical insurance plans are excellent if you have a small budget. These plans often come at lower premiums as compared to plans with higher claim limits.
Cashless Hospitalisation
Financial Security
With the best 10 lakh health insurance policy, you get the benefit of country-wide cashless hospitalisation. It means, you can receive cashless treatment at any network or non-network medical facility across India.
A 10 lakh health insurance plan provides the necessary financial security by covering unforeseen medical emergencies. It helps you protect your savings and manage your finances better during such crises.
Tax Benefits
Peace of Mind
Besides hospitalisation benefits, the 10 lakh health insurance plan can also help you increase your tax savings. As per Section 80D of the Income Tax Act, you can get tax deductions* on health insurance premiums paid annually.
By offering the above-mentioned benefits and features, a 10 lakh health insurance policy offers you peace of mind, knowing that you are well covered against your financial risks.
Young and Healthy Individuals
Small Families
Young individuals and those with good health and no pre-existing diseases can buy a 10 lakh medical insurance plan. It can cover your unforeseen medical expenses without being heavy on your budget.
Small families (2-4 members) with moderate coverage requirements can also buy medical insurance with ₹10 lakh sum insured. It will offer the required coverage at an affordable premium cost.
Individuals with Limited Budget
Individuals Covered With Group Insurance
Those who are purchasing insurance for the first time or have a small budget can buy 10 lakh medical insurance. As your budget and coverage needs increase, you gradually opt for a plan with a higher sum insured.
Those who are already covered under a group or employer health insurance policy can also opt for ₹10 lakh health insurance plan. It will offer additional coverage when your existing policy falls short.
10 Lakh Medical Insurance Types
Features and Benefits
Reliance Health Gain
● ₹3 lakh to ₹1 crore sum insured
● Covers pre and post-hospitalisation, day care procedures, in-patient and out-patient care and more.
● Available as individual and family floater plans.
● Covers AYUSH treatment
● Offers up to 50% no-claims bonus discounts.
Reliance Health Infinity
● ₹5 lakh to ₹5 crore sum insured
● Includes extended coverage over the policy period.
● Unlimited restoration benefits
● Offers Maternity and OPD cover
● Up to ₹1 lakh tax deductions.
Reliance Super Top-up Health Insurance
● Offers up to ₹1.3 crore sum insured
● Offers coverage after exhaustion of existing policy.
● No claims bonus discounts.
● Maternity cover
● Covers ambulance charges
Reliance Critical Illness Insurance
● Offers up to ₹10 lakh sum insured
● Covers 10 life-threatening conditions
● Offers lump sum payment
● No pre-policy checkup is required.
Must Read: What are the Types of Health Insurance Plans?
You can buy 10 lakh health insurance in the form of an individual, group or family insurance based on your coverage needs. Before making the final decision, assess your coverage needs to choose the best policy.
When choosing a 10 lakh health insurance plan, compare multiple plans. You can do so on our website and choose a policy that best suits your requirements and budget.
Learn about the claims settlement process. With our plans, you can get cashless or reimbursement settlements based on your requirements. Our claim procedure is simple, quick and convenient.
Before finalising a perfect policy, make sure that the premiums do not exceed your budget. To do this, you can use our health insurance premium calculator .
By purchasing your 10 lakh health insurance online, you can save both time and money. We offer up to 40% discounts on policies purchased through our website and Reliance Self-i app .
Note: This is not an exhaustive list of inclusions and exclusions of 10 lakh health insurance. For more details, refer to your policy wording .
Eligibility for 10 lakh Health Insurance
Details
Age
Adults: 18 to 65 Years
Dependent Children: 91 Days to 25 Years
Initial Waiting Period
15-30 Days
Pre-existing Disease Waiting Period
1 to 3 Years
Policy Period (Tenure)
1, 2 or 3 Years
Pre-medical Check-up
May be required based on your age and choice of plan.
Your age is a crucial factor that affects your 10 lakh health insurance premium amount. Generally, young insurance buyers receive lower premiums than senior citizens. This is because young adults are generally healthy and have a lower risk profile than older adults.
If you have a medical history of illnesses, then you may receive higher insurance premiums. This is because the insurance company sees you as a risk.
Different types of 10 lakh medical insurance plans have different premiums due to difference in the coverage. For example, group/family health insurance plans attract lower premiums as compared to individual health insurance.
Add-ons are paid covers you can buy to increase your existing policy coverage. Note that your choice of add-ons can also impact your medical insurance premiums.
Generally, multi-year health insurance policies attract lower premiums as compared to single year or annual health insurance plans. To reduce your premiums, opt for a multi-year 10 lakh health insurance policy.
A ₹10 lakh medical insurance plan is a good choice for individuals as well as family owners with moderate coverage requirements. It is enough for you if:
A ₹10 lakh health insurance plan is sufficient if you are young, healthy and do not have any pre-existing health condition. This health insurance plan is enough to cover your basic medical expenses.
If you live in non-metro and small cities, then a 10 lakh rupees health insurance policy might be enough due to relatively lower healthcare cost.
For small families with moderate requirements, health insurance for 10 lakh is sufficient to cover basic expenses due to hospitalisation, minor medical procedures, etc.
Having a ₹10 lakh medical coverage is a good idea for those who are already covered under a group health insurance policy or another plan. It offers the required coverage beyond the existing policy.
Premiums for a 10 lakh medical insurance plan are low as compared to plans with higher sum insured. This makes it an ideal option for individuals and families with a limited income and budget.
The answer to whether 10 lakh health insurance is enough or not depends on multiple factors. These include your age, health condition, risk exposure, income and so on. If you are a person with moderate coverage requirements, then ₹10 lakh sum insured might be sufficient for you.
You can buy the best 10 lakh health insurance in India at Reliance General Insurance. You can purchase our plans online through the official website or Self-i app. You can also visit our nearest branch to buy your policy in person.
You can estimate the premiums of your 10 lakh rupees health insurance by using our health insurance premium calculator.
Yes. We offer multiple health insurance plans for senior citizens that offer ₹10 lakh sum insured option. These include Reliance Health Infinity, Reliance Health Gain and Reliance Critical Illness Insurance.
At Reliance General Insurance, you can claim your ₹10 lakh health insurance policy in a simple and straightforward manner. We offer both cashless and reimbursement claim settlement with our health insurance plans.
For your added convenience, we offer a completely digital claims process via our website and Self-i mobile app.
Disclaimers:
*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. 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 Discount: Maximum discount applicable for Reliance Health Gain Policy is 40% excluding long term healthy discount(aggregate) Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122 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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