15 Lakh Health Insurance

​Choosing a sum insured amount in health insurance is an important decision for you and your family. It affects how much medical coverage you get when you file a claim. If you choose one that is too low, it might not be enough to cover your medical expenses.

When you buy our health insurance plans for ₹15 lakhs, you get a sum insured of ₹15 lakhs and coverage for medical expenses incurred. At Reliance General Insurance, we offer a wide variety of ₹15 lakh health insurance plans for customers with varied healthcare needs.

Our ₹15 lakh medical insurance offers:

Affordable Premiums from ​₹243/month*

Trusted by ​ 5 Crore+ Policyholders

Cashless Treatment Anywhere

100% Claims Settlement*

Exclusive Discounts Up to 40%*

What is a ₹15 Lakh Health Insurance Policy?

A health insurance of ₹15 lakh is a policy that provides a sum insured of ₹15 lakhs. This sum can be used to cover all your medical emergencies.

Our ₹15 lakh health plans, in particular, cover a wide range of healthcare expenses, including inpatient treatment, post-hospitalisation care, daycare procedures and organ donation expenses.

We ensure that with our health insurance plans for ₹15 lakhs, you do not need to bear the financial burden of paying for high medical bills and are secure during health crises. Our plans also allow you to cover you and your family under one policy.

How Does the ₹15 Lakh Health Insurance Plan Work?

• A ₹15 lakh health insurance plan functions by providing coverage for medical expenses up to the insured limit of ₹15 lakhs.
• The annual sum insured of health insurance of ₹15 lakh is the maximum amount you can claim within a policy year, which is ₹15 lakhs in this case.
• You can purchase coverage for one year or opt for multi-year policies. Once you choose a plan, you can pay the required premium for health insurance of ₹15 lakhs monthly, quarterly or annually.
• In the event of a medical emergency, you can file claims with us by following a simple process.
  • For cashless claims, seek treatment at an authorised hospital, where we directly settle the bills.
  • Alternatively, you can pay the bills upfront and get reimbursed by submitting the required documents after discharge.

₹15 lakh Medical Insurance Benefits

Comprehensive Coverage:

Our ₹15 lakh health insurance covers a wide range of medical expenses. This includes hospitalisation, surgery, organ donor expenses, AYUSH treatment expenses, critical illness and much more.

Affordable Premiums:

We aim to provide extensive coverage with our health insurance plans for ₹15 lakhs at reasonable premiums. Our plans start at just ₹243* per month, making it affordable. We also offer plans with flexible policy tenure, especially for those who prefer long-term plans.

Cashless Treatment:

Access cashless hospitalisation at network hospitals or any other authorised hospital without worrying about upfront payments. We have a network of 10,000+ hospitals spread across India to make quick claim processing accessible to all our customers.

Wide Range of Add-Ons:

We offer an innovative and wide range of add-on options that are also specific with some to our health insurance of ₹15 lakhs. These include maternity covers, OPD covers, personal shields, enhanced covers, etc.

Tax Benefits:

Benefits of ₹15 lakh health insurance also include tax benefits. Enjoy tax deductions under Section 80D of the Income Tax Act for premiums paid.

Peace of Mind:

Ensures financial security by covering unforeseen healthcare expenses, reducing the burden of medical bills.

Who Should Opt for a ₹15 Lakhs Health Insurance Plan?

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Types of Health Insurance of ₹15 Lakh by Reliance General Insurance

Reliance General ₹15 Lakh Health Insurance Plans	Description
Reliance Health Gain Health Insurance	● Offers customisable plans with multiple coverage options. ● For securing coverage of up to ₹15 lakhs, you can opt for its “Power” plan. ● Provides coverage for special treatments, day care procedures, organ donor expenses, ambulance services and AYUSH treatments. ● Suitable for individuals or families with coverage up to ₹15 lakh. ● Offers in-patient care during hospitalisation with no sub-limits.
Reliance Health Infinity Insurance	● This ₹15 lakh health insurance provides broad coverage with a sum insured up to ₹5 crores. ● Global emergency covers up to 180 days, automatic restoration of the sum insured during the policy term. ● Offers coverage for maternity expenses and OPD consultations. ● Includes ambulance and pre- and post-hospitalisation benefits.
Reliance Health Super Top-Up Insurance	● Adds an extra layer of financial protection by covering expenses beyond the base plan. ● Includes coverage for pre- and post-hospitalisation, maternity benefits, domiciliary hospitalisation and donor expenses. ● High sum insured options with affordable premiums.
Personal Accident Insurance	● Provides coverage for accidental death and injuries, hospitalisation expenses, trauma counselling, fractures, burns and more. ● Offers flexibility with sum insured amounts ranging from ₹2.5 lakh to ₹10 crore. ● This includes both individual and family plan options as well as various subtypes.
Reliance General Saral Suraksha Bima	● This health insurance of ₹15 lakh offers lump sum payments in case of death or total disability due to accidents. ● Also covers specified fractures and burns and provides an education grant for dependent children.

How to Choose the Best Health Insurance Plans for ₹15 Lakhs

• Assess Your Healthcare Needs: Review your medical history, lifestyle and any pre-existing conditions to determine the coverage you require.
• Compare Premiums and Coverage: Evaluate the premium for ₹15 lakh health insurance against the coverage offered. This ensures that you are getting the best value without compromising on benefits. You can compare our plans’ premiums online in an instant using our premium calculator.
• Look for Add-ons: We offer a wide range of add-on options to enhance the coverage of your health insurance of ₹15 lakh. So, consider riders, such as maternity cover, travel cover, family shield, etc., that suit your specific needs.
• Check Claim Settlement Ratio: Choose insurers with a high claim settlement ratio to ensure smoother claim processes and faster approvals. We boast a claim settlement ratio of 100%.
• Understand Policy Exclusions: Review exclusions carefully while choosing ₹15 lakh health insurance to avoid unpleasant surprises when filing a claim.
• Tailor the Plan: Customise the policy to match your healthcare needs and financial situation, ensuring it covers future medical costs effectively.

What is the Coverage in Health Insurance of ₹15 Lakh?

• Pre-and post-hospitalisation medical expenses
• Hospitalisation expenses, including room charges, nursing and intensive care units
• Daycare procedures
• Domiciliary hospitalisation expenses
• Organ donation costs for the insured
• Costs of emergency ambulance services
• Alternative treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH)
• Personal accident cover
• Specific coverages based on the type of policy and add-ons opted for

Exclusions in ₹15 Lakh Health Insurance Plan

• Pre-existing conditions diagnosed within 48 months of the policy issuance
• Procedures for aesthetic purposes unless they are medically required
• Injuries caused by intentional self-harm, suicide attempts
• Expenses to treat ailments caused by substance abuse or alcohol consumption
• Loss or damage resulting from war, acts of terrorism or similar incidents
• Treatment in unregistered or unrecognised hospitals
• Out-patient treatments (unless opted for in your health insurance of ₹15 lakh)
• Injuries resulting from hazardous activities like adventure sports

*Note that these are general lists of inclusions and exclusions. For more detailed information, refer to your policy wording document.

Eligibility for ₹15 Lakh Medical Insurance

To be eligible for Reliance General ₹15 lakh health insurance plans, the following criteria must be met:

• Age: Minimum entry age is typically 18 years, while the maximum age varies by plan (up to 65 or 70 years in some cases). The entry age is different for kids under 18 years for family floater policies.
• Pre-policy Health Check-up: This is a ₹15 lakh health insurance requirement for applicants above a certain age or with pre-existing medical conditions.
• Pre-Existing Conditions: Waiting period applies for pre-existing diseases, which varies based on the plan. Additionally, you can check our ₹15 lakh health insurance requirements to opt for an add-on to reduce waiting periods.
• Family Coverage: Includes spouse, children and dependent parents. Check the maximum number of adults and children allowed with your chosen plan.
• Income Proof: Necessary for higher coverage plans, such as ₹15 lakh health insurance, to ensure the ability to pay premiums.

Steps to Buying Health Insurance of ₹15 Lakh Online

1. Go to the Reliance General Insurance website. Navigate the main menu and click on the “health insurance” tab.
2. Go through our available ₹15 lakh health insurance plans designed for different purposes.
3. Fill in basic details like your name, age and contact information. If you are opting for family coverage, add details of your family members.
4. Once you have selected a policy, customise it for your needs by selecting the ₹15 lakh sum insured, adding optional riders such as reduction of PED waiting period, personal shield, etc.
5. We will give you an instant quote online for ₹15 lakh health insurance based on your preferences. If you are okay with it, pay the respective premium for health insurance of ₹15 lakh or customise it further.
6. Then, we send you the policy document to your registered email address.
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List of Documents for ₹15 Lakh Health Insurance Online Buying

• Proof of age with documents such as a birth certificate, passport, driving licence, etc.
• Identity proof, such as a passport, driving licence, an Aadhaar card, etc.
• Documents to verify your address, such as ration card, utility bills, Aadhaar card, etc.
• Relevant medical records
• C-KYC documents required for health insurance of ₹15 lakh

Factors Affecting the ₹15 Lakh Health Insurance Premium

Age:

Your ₹15 lakh medical insurance premium is calculated based on several factors, one of which is the insured's age. As you age, you are at a higher risk of claiming your health insurance for treatments, so the premiums increase with age.

Lifestyle:

Another important factor affecting the premium for ₹15 lakh health insurance is your lifestyle. If you live a poor lifestyle with constant night shifts, have habits like smoking and drinking or live in a polluted environment, your premium will be higher.

Geographical Location:

The city you live in also plays an important role in this. A person living in a metro city has higher health risks and expensive healthcare facilities. Thus, the premium will be higher.

Choice of Plan and Add-ons

The premiums will vary depending on the plan you choose, as the price increases with enhanced coverage. Additionally, optional add-ons will incur additional charges.

To determine whether your chosen plan is the best plan for and fits your healthcare and budget needs, use our ₹15 lakh health insurance premium calculator for a quick estimate.

Steps for Filing a Claim for ₹15 Lakh Health Insurance

Cashless ₹15 Lakh Medical Insurance Claim Process

1. Contact Reliance General Insurance: Register your claim for ₹15 lakh health insurance by any one of the following options:
1. Call at +91 48903009
2. Email at rgicl.rcarehealth@relianceada.com
3. Use the Reliance Self-i App to initiate the claim.
2. Choose a Hospital: Visit any hospital in Reliance’s network or non-network hospital and show your Reliance Health Card at the TPA helpdesk of the hospital to avail of cashless services.
3. Submit Pre-Authorisation: For emergency treatments, submit the “Cashless Request Form” form within 24 hours of admission. For planned procedures, ensure that you submit your claim form at least 48 hours prior to hospitalisation.
4. Provide Required Documents: Attach lab reports, prescriptions and all other necessary medical documents with the claim form.
5. Approval and Direct Settlement: Once Reliance approves the claim, the insurance company will directly settle the hospital bill with the hospital, as per the policy terms.
6. Track Your Claim: You can monitor your health claim status on the Reliance General Insurance website or through the Reliance Self-i App.

Reimbursement Claim Process for Health Insurance of ₹15 Lakh

1. Contact the Claims Team: Initiate your claim through the same contact channels (call, email or Reliance Self-i App).
2. Pay for Treatment: After receiving treatment at an authorised hospital, pay the medical expenses yourself.
3. Submit Documents: Send the health claim form to RCare Health along with all original hospital bills, receipts, discharge summaries and medical reports to us within 7 days of discharge.
4. Claim Review and Payment: Reliance General Insurance will review your claim and after approval, the reimbursement amount will be credited to your bank account based on your policy terms.

*Note that deductibles and any non-covered expenses will be borne by the policyholder in both claim processes.

Documents Required for Filing a Claim of Health Insurance of 15 Lakh

• FIR (for accidents, if applicable)
• Medical reports and discharge summary
• Completed filled and signed claim form
• Original bills and payment receipts
• Pharmacy bills
• Doctor’s prescriptions

*Note that this is a general list of documents. Other documents and claim forms may be necessary for your specific type of claim.

Is ₹15 Lakh Health Insurance Enough?

For many Indians, health insurance of ₹15 lakh can offer substantial coverage, especially for individuals living in smaller cities or those with basic healthcare needs. It typically covers major surgeries, hospitalisation costs and treatments for common illnesses.

However, with rising medical inflation, especially in metro cities like Mumbai, Delhi and Bangalore, health insurance plans for ₹15 lakhs may not be adequate for severe medical emergencies, critical illnesses or prolonged treatments.

Healthcare costs in private hospitals can quickly escalate, especially for advanced treatments like cancer care or organ transplants. Additionally, those with families, senior citizens or pre-existing conditions may need higher coverage to ensure comprehensive protection.

Ultimately, ₹15 lakh medical insurance can adequately cover many medical expenses for a single individual. However, it is crucial to assess personal needs, location and medical history before deciding on the sum insured.

Frequently Asked Questions (FAQs)

• How is the ₹15 lakh medical insurance premium calculated?

  Various factors determine the premium for a ₹15 lakh health insurance policy. These include:

  • Age (older individuals or those with pre-existing health conditions may have to pay higher premiums)
  • Medical history
  • Lifestyle
  • Location
  • Coverage amount or sum insured
  • Policy terms
  • Add-on riders, such as maternity cover or critical illness protection

  We also consider the policy tenure and your family size when calculating the premium.

• How can I use the Reliance ₹15 lakh health insurance premium calculator online?

  Using the Reliance General Insurance premium calculator is simple.

  1. Go to the Reliance General Health Insurance Premium Calculator
  2. Enter your policy requirements, such as cover type, family floater or individual plan, category and sum insured.
  3. Next, enter your personal information, such as your age.
  4. Select a plan and add optional add-ons, if required.

  The calculator will automatically generate a premium quote based on the information you have provided.

• What is covered under my ₹15 lakh health insurance?

  A ₹15 lakh health insurance policy typically offers comprehensive coverage for a variety of medical expenses. These include hospitalisation costs, pre- and post-hospitalisation expenses, surgeries, ambulance charges, daycare treatments and, in some cases, maternity expenses.

  Our plans also cover domiciliary treatments and alternative treatments such as AYUSH. We advise you to read the policy document carefully for detailed information about your plan's coverage.

• Is my ₹15 lakh medical insurance enough for my family of four in India?

  A ₹15 lakh health insurance policy can provide sufficient coverage for a family of four, especially if all members are in good health and have no major pre-existing conditions. It can adequately cover medical costs, including hospitalisation and treatment for serious ailments.

  However, in metro cities where healthcare costs tend to be higher, you may want to consider increasing your sum insured. You can also opt for our super top-up plan to cover additional expenses. Assess your family’s healthcare needs, location and lifestyle to ensure that ₹15 lakh is sufficient.

• Which is the best health insurance of ₹15 lakh?

  The best ₹15 lakh health insurance plan depends on your individual needs. For example, if you need extensive coverage with covers like global emergency coverage, critical illness coverage and maternity coverage, Reliance Health Infinity Insurance can be ideal for you.

  On the other hand, if you want additional coverage beyond ₹15 lakh for lower premiums, the Reliance Health Super Top-Up Insurance plan will be the best choice for you. Thus, when selecting a plan, consider factors such as premium affordability, coverages, claim process and additional benefits.

• Do I get tax benefits under Section 80D for ₹15 Lakh health insurance cover premiums paid?

  Yes, you can claim tax benefits under Section 80D of the Income Tax Act for premiums paid towards your ₹15 lakh health insurance policy under the old tax regime.

  Individual taxpayers can claim deductions of up to ₹25,000 for health insurance premiums paid for themselves, their spouse and dependent children.

  If the insured is a senior citizen, this limit increases to ₹50,000. Additionally, you can claim an additional ₹25,000 (or ₹50,000 for senior citizen parents) for premiums paid towards your parents' health insurance policy.

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.