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Reliance General Insurance offers ₹50 Lakh health insurance plans to suit your exclusive coverage requirements. We also offer competitive premiums and quick claims settlement to keep you healthy and worry-free.
Affordable Premiums from ₹243/month*
Trusted by5 Crore +Policyholders
Cashless TreatmentAnywhere
100% Claims Settlement*
Exclusive Discounts Up to40%*
The 50 lakh health insurance is a type of health insurance policy with ₹50 lakh as the sum insured. It offers financial protection during health-related emergencies such as hospitalisation, surgeries, medication, etc.
Such plans cover a wide range of medical expenses, such as pre-and post-hospitalisation charges, doctor’s fees, diagnostic tests, daycare treatments and more.
In short, the 50 lakh medical insurance plans offer comprehensive financial protection to individuals and families with exclusive medical needs.
Must Read: What is Health Insurance? A Comprehensive Guide for Beginners
First, you buy a suitable health insurance policy based on your requirements and select ₹50 lakh as your sum insured.
Pay specified premiums to maintain the coverage of your 50 lakh health insurance plan. You can choose to pay your premiums monthly or yearly based on your preferences.
Enjoy the required coverage and benefits during your policy period. This includes annual checkups, wellness programs, tax deductions and more.
In the event of medical emergencies, register a claim under your health insurance for 50 lakh and submit the necessary documents.
Finally, settle your claim cashlessly at authorised hospitals or apply for reimbursement after paying your bills upfront after completing the necessary treatment.
Comprehensive Coverage
Cashless Hospitalisation Facility
Health insurance with ₹50 lakh coverage is sufficient to cover a wide range of medical expenses. These include pre- and post-hospitalisation, daycare procedures, minor surgeries, routine checkups, and more. Helping you save on finances while prioritising your health.
Our 50 lakh health insurance plan offers cashless hospitalisation at network and non-network hospitals. So, you can receive high-quality treatment without making any last-minute money arrangements.
Preventative Healthcare
Tax Benefits
A 50 lakh health insurance plan makes preventative healthcare accessible and covers preventative healthcare costs resulting from diagnostic tests, routine checkups, vaccinations and more.
A 50 lakh medical insurance policy can also help you save on taxes. Under Section 80D of the Income Tax Act, you can save on your health insurance premiums.
Individuals
Families
High-earning individuals, especially those living in metro cities, should buy 50 lakh medical insurance to cover their unforeseen medical expenses. This plan will help you deal with the increasing cost of healthcare in your city.
Families with no serious medical history and moderate coverage requirements can also invest in ₹50 lakh health insurance. This coverage amount is sufficient to cover the unplanned medical expenses of a family.
Senior Citizens
Self-Employed Individuals
Senior citizens should also buy a ₹50 lakh health insurance plan to cover their growing medical expenses. This plan can help you cover critical illnesses and pre-existing diseases.
Self-employed individuals and entrepreneurs not covered by corporate or group health insurance should consider buying 50 lakh health insurance. This plan also lets you extend coverage to your dependents, including spouse, children and parents.
Reliance General 50 Lakh Insurance
Features and Benefits
Reliance Health Gain
● Offers up to ₹1 crore sum insured with options including 50 lakh with Prime plan.
● Customisable plan for individuals and families.
● Option to reduce the waiting period.
● Covers AYUSH treatment.
● No sub-limits on inpatient care.
● Offers up to 40% discounts, including long-term discount, family discount, girl-child discount and more.
Reliance Health Infinity
● Offers coverage up to ₹5 crore.
● ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore, ₹2 crores, ₹3 crores, ₹4 crores and ₹5 crores sum insured options.
● Covers domiciliary hospitalisation, AYUSH benefits, daycare procedures, organ donor expenses and more.
● One-time restoration benefit.
Reliance Super Top-up Health Insurance
● Offers coverage when the sum insured of existing policy is exhausted.
● Offers up to ₹1.3 crore additional sum insured.
● Include maternity and child cover.
● Covers ambulance charges.
● Covers overseas expenses.
● Offers multiple discounts to 35%.
Must Read: What are the Types of Health Insurance Plans?
Take enough time to figure out your coverage needs. Take into account factors like the type of policy you want, your location, age and health conditions, number of family members you want to cover and so on when choosing 50 lakh medical insurance.
When choosing a health insurance cover of 50 lakh, make sure that it’s enough to cover your unplanned medical expenses efficiently. If not, consider opting for a higher sum insured.
Next, compare multiple health insurance plans with ₹50 lakh sum insured based on their features and benefits. This is the best and the easiest way to choose the best ₹50 lakh health insurance policy.
Before finalising a policy, take a look into its claims procedure and make sure that it is easy, quick and has a higher claims settlement rate. With Reliance health insurance plans, you get a 100% claims settlement ratio*.
To reduce your premiums, always buy 50 lakh health insurance plans online. You can purchase the desired insurance plans from our website or the Reliance Self-i application to enjoy up to 40% discounts.
Note: This is not an exhaustive list of inclusions and medical insurance exclusions of 50 lakh plans. For more details, refer to your policy wording.
50 Lakh Health Insurance Eligibility
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.
Type of Requirement
Accepted 50 Lakh Medical Insurance Documents
Age Proof
Birth Certificate, Passport, Aadhaar Card, etc.
Address Proof
Aadhaar Card, Utility Bills, Ration Card, etc.
Identity Proof
PAN, Passport, Driving Licence, Voter ID
Medical Reports
May be needed based on your selected plan and medical conditions.
C-KYC Process
You must complete the C-KYC process regulated by IRDAI.
Your age is the primary factor that affects your health insurance premiums. You are likely to receive lower premium rates if you are young and healthy. This is because you are less prone to serious medical risks.
On the other hand, older adults or senior citizens attract higher premiums due to a higher exposure to various illnesses.
If you have been diagnosed with a health condition before buying health insurance, you might attract higher premiums than individuals with no pre-existing health conditions.
Location also plays a crucial role in determining your ₹50 health insurance premium. If you live in tier-1 metro cities, you may get higher premiums due to expensive healthcare services.
Conversely, if you live in a small city or town, you may be offered lower premium rates.
Different types of health insurance plans come at different premium rates due to differences in their benefits and features. To learn about the premiums of your chosen Reliance health insurance plan, use our health insurance premium calculator.
Add-ons and health insurance riders can also affect your 50 lakh health insurance premium. These are optional covers that can be purchased at an additional cost. While add-ons increase your premiums, they impressively enhance the coverage of your existing policy.
Your health insurance premiums can also vary based on the no-claims bonus discounts you have accumulated during your policy period. At Reliance General Insurance, you can enjoy up to 50% reduction on your premiums with NCB points.
*Note that You will need to cover any deductibles or non-covered expenses. We will not cover or reimburse the expenses for the same.
A ₹50 lakh medical insurance can be a sufficient option for the following categories of individuals:
Young individuals with healthy lifestyles and no history of serious illness are among the most common buyers of ₹50 lakh medical insurance. This sum insured amount may be enough to cover the unforeseen healthcare expenses.
A 50 lakh health insurance policy may be enough for small families with 2-4 members and no pre-existing conditions. This is especially true for those living in small/non-metro cities and towns.
If you are in your mid-30s or 40s with a healthy lifestyle and no critical pre-existing condition, then ₹50 lakh medical insurance may be sufficient for you. This will cover your unforeseen medical expenses due to hospitalisation.
Health insurance with ₹50 lakh sum insured is a great option for individuals who are covered under a group or employer-provided health insurance scheme. It offers necessary coverage that goes beyond the limits and coverage level of the existing group policy.
While ₹50 lakh health insurance offers necessary financial security, it may not be enough for certain policy buyers. These include the following:
Yes. A health insurance policy with ₹50 lakh sum insured is totally worth buying for individuals and families. It offers extensive financial protection and covers increasing medical needs at reasonable premiums.
You can buy the best 50 lakh health insurance policy at Reliance General Insurance. We offer comprehensive coverage with 100% claims settlement at competitive premium rates. To buy our plans, visit the website or login to Reliance Self-i application.
The eligibility for health insurance with ₹50 lakh sum insured depends on the type of plan. The eligibility criteria for our health insurance policies are as follows:
The health insurance premium for 50 lakh is determined based on parameters such as your age, policy type, policy period, location and others. You can use our health insurance premium calculator to estimate the closest premium amount you will have to pay based on these factors.
There are many benefits of buying a ₹50 lakh health insurance policy. These include:
Our health insurance of 50 lakhs, like Reliance Health Gain and Reliance Health Infinity offers comprehensive coverage.
It includes pre and post-hospitalisation, daycare procedures, inpatient care, OPD treatment, pharmacy bills, minor surgeries, ICU charges, room rent, annual checkups and more. Get in touch with us for more details.
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.
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).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.Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223Health Infinity Discount: Maximum discount applicable for Reliance Health Infinity Insurance policy is up to 35%.Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122Health 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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