Health Insurance in Chennai

​Chennai, the capital of Tamil Nadu, has its fair share of health challenges affecting its population. With the increasing number of health risks for people, the rising cost of medical treatments and healthcare facilities is a significant challenge.

Thus, investing in the best health insurance in Chennai is necessary to manage high healthcare expenses while keeping your well-being in check. You can choose from a wide range of health plans to suit your coverage needs.

Reliance General offers comprehensive and customisable health policies for everyone. With their plans, you can enjoy online policy purchase and renewal convenience, 100% claim settlement ratio, 24/7 customer support, and cashless everywhere flexibility.

Importance of Health Insurance​ in Chennai

Health or medical insurance in Chennai is one of the most important investments you can make to secure your health and financial future. You can choose between an individual or the best medical insurance for a family in Chennai at affordable rates from Reliance General.

Some of the top benefits of health insurance include -

• Financial protection in times of need.
• Customisation flexibility to personalise your health insurance policy based on your specific needs.
• Ample support to manage rising medical costs.
• Access to quality treatments for life-threatening conditions.
• Better health due to preventive care provision.

Major Health Problems in Che​​nnai

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Chennai, like other cities in India, is home to many airborne and waterborne diseases and illnesses. Moreover, according to an online report, Chennai has witnessed a hike in deaths due to different lifestyle diseases.

Some of these diseases include -

• Kidney-related problems
• Heart diseases
• Diabetes
• Hypertension
• High blood pressure
• Respiratory tract diseases
• Anaemia
• Measles
• Obesity

Given these serious health problems affecting the Chennai population, it is crucial to take preventive measures to improve lifestyle habits and choices.

Moreover, to get the right treatment without draining your money, it is recommended that you buy health insurance from the best health insurance company in Chennai.

Reliance General Insurance offers affordable health plans for all your needs with extensive coverage for all health issues, including critical illnesses.

Why Do You Need Health Ins​​urance in Chennai?

How Much Health Insurance Cov​​erage Do You Need in Chennai?

The coverage requirements vary from person to person. This is because every individual has a different lifestyle, habits, family medical history, pre-existing issues, and age range.

In addition, other aspects, such as the choice of plan, occupation and future plans, can also influence the kind of coverage you require.

For example -

• A healthy, young individualcan benefit from coverage of just ₹30 lakhs to ₹50 lakhs for emergencies.
• A family looking for combined coveragewould require coverage of at least ₹55 lakhs to ₹75 lakhs to ensure ample coverage for all members.
• Due to the higher risks of contracting diseases, individuals 65 years of age or olderwill benefit from extensive coverage ranging from ₹75 lakhs to ₹100 lakhs.
• A couple planning for pregnancy will require a health plan that offers coverage for maternity requirements and childbirth.

Use our online health insurance premiurm calculator to get an accurate estimate of your required coverage and the applicable premiums.

Types of Reliance Health Insu​​rance Plans in Chennai

Also Read -Choose The Health Insurance Policy That Best Suits You

Reliance Health Insurance Key Feat​ures and Benefits

Key Features	Reliance Advantage
Affordable Premiums	Starting at ₹243/month*
Pre and Post-Hospitalisation	✓
Day Care Treatment	✓
Network Hospitals	10,000+
Cashless Hospitalisation	✓
Customisation Flexibility	✓
No Claim Bonus Benefit	✓
Global Coverage	✓
In-patient Treatments	✓
Flexible Policy Tenure	✓
AYUSH treatments	✓
Online Processes for Purchase, Renewal, and Claims	✓
Co-Payment	✓
Claim Settlement Ratio	100%*
Organ Donor Expenses	✓
OPD Coverage	✓
Maternity Cover	✓
Preventive Care and Support	✓
24/7 Customer Support	✓

Why Should You Buy Online Health I​nsurance in Chennai from Reliance General Insurance?

• Quick and Convenient- The online process requires no physical documentation or appointments and pre-medical check-ups for people under 45 years of age, making it quicker and easier to obtain a health plan in Chennai.
• Complete Transparency- With the online process, you benefit from complete transparency, ensuring you are aware of all that you are paying for towards your policy purchase.
• Easy Comparisons- The online process allows you to compare different policies and their prices without any hassle, helping you find the best health insurance policy in Chennai.
• Discounts - You can avail of various discount deals to reduce your premiums. With Reliance General, you can enjoy discounts of up to 35% on your health insurance premiums.
• Secure Payments - The online process to buy the best health insurance in Chennai is secured with top technology and trusted networks to keep your personal information safe.
• Paperless Policies- When you buy health insurance online, you contribute to digitisation by choosing paperless policies, which save paper and effort.
• Instant Issuance- The online process offers instant policy issuance, which allows you to get the necessary financial coverage from the first day.

What Do Reliance Health Insurance P​olicies in Chennai Usually Cover and Not Cover?

Inclusions

• In-patient treatments
• Daycare procedures
• Emergency ambulance
• Pre-and post-hospitalisation expenses
• Modern treatments (specific to the policy type)
• AYUSH treatments
• Diagnostic tests
• Domiciliary hospitalisation
• Cataract treatments
• Annual health check-ups under preventive care
• OPD treatments (depending on specific policy inclusions or add-ons)
• Special treatments (depending on specific policy inclusions or add-ons)
• Organ transplants
• Cancer treatments and procedures
• Burn-related skin grafting treatments
• Balloon sinuplasty
• Stell cell therapy
• Replacement and reconstruction of joints
• Robotic surgery
• Gene therapy

Exclusions

• Injuries due to war and nuclear attacks
• Cosmetic procedures
• Self-inflicted injuries
• Weight management treatments
• Dental treatments (limited to specific policy inclusions and add-ons)
• Expenses for consumables (unless paired with the add-on)
• Gender change treatments and procedures
• Injuries or death due to excessive alcohol or substance consumption
• Wellness support and assistance
• Infertility treatments
• Injuries due to voluntary participation in high-risk activities

How to Find the Best Health Insu​rance in Chennai?

Assess your Needs	Compare Plans
The first step is to assess your coverage needs. These will depend on age, lifestyle habits, the number of people under the same plan, and other factors.	Next, you must compare different plans online to find suitable medical insurance in Chennai.
Check Policy Inclusions and Exclusions	Review Claim Process
Determine which policy meets your requirements by carefully reviewing the policy inclusions and exclusions.	Check for the convenience of online claim settlements to reduce the hassle of filing a claim in times of need.
Check Claim Settlement Ratio	Read Online Reviews
Choose an insurer with a high claim settlement ratio for efficient claim settlements. Reliance General’s 100%* claim settlement ratio promises quick settlements.	Before finalising any insurer, read their customer reviews online to assess their customer support, performance and market image.

Also Read -

• How to Compare Health Insurance?
• What Should You Consider While Buying Health Insurance?

Buying and Renewing Reliance H​ealth Insurance in Chennai

Reliance Health Insurance Online Purchase Process

• Step 1 - Visit our websiteand select “Health” on the main page.
• Step 2- Before clicking on “View Prices,” please add your name, mobile number and area PIN code in the space provided.
• Step 3 - Enter the OTP shared on your mobile number to view the applicable health plans on your screen.
• Step 4 - Choose the plan you want, select the sum insured value and number of members you wish to cover, and select other add-ons.
• Step 5 - A premium will be displayed on the screen. Modify the policy if required, and make the premium payment to complete the purchase.

Reliance Health Insurance Renewal Process

• Step 1 - Visit our website, select “Renewal”, and click on “Renew Health Insurance.”
• Step 2 - Enter your mobile number to log in with an OTP or policy number and add the necessary information in the space provided before clicking “Go”.
• Step 3 - Once done, your current health insurance policy will open on the screen.
• Step 4 - Review and modify your policy by removing or combining add-ons, changing the sum insured, etc.
• Step 5 - Get a revised premium quote. If satisfactory, make the payment to complete your policy renewal.

Also Read -Why Renew Your Health Insurance on Time?

Documents Required

• Proof of identity - Aadhaar card, PAN card, passport, etc.
• Proof of age - Aadhaar card, driving licence, passport, etc.
• Proof of address - utility bills, rent agreement, Aadhaar card, etc.
• All medical reports (for pre-existing conditions)
• Previous health plan details, if applicable.
• C-KYC completion proof.

How to File a Reliance Health Insura​​nce Claim in Chennai?

Reimbursement Claim

• Step 1 - Inform us regarding the claim within 24-48 hours of hospitalisation or planned treatments. You can do so by -
• Calling us at +91-22-4890-3009 or usingour self-service
• Downloading our Reliance Self-imobile app.
• Step 2 - Go to the nearest hospital and get the desired treatment. Once you have done this, collect the following documents -
• Medical reports
• Discharge summaries
• Doctor prescriptions
• Payment receipts
• Step 3 - Submit a duly filled and signed claim formalong with the other supporting documents mentioned above.
• Step 4 - We will verify your claim form and documents to finalise your claim decision.
• Step 5 - If approved, the applicable claim settlement amount will be reimbursed to your registered bank account.

Cashless Claim

• Step 1 - Notify us about your claim by calling +91-4890-3009, downloading our Reliance Self-iapp, or submitting an online claim intimation.
• Step 2 - Visit any hospital of your choice (network or non-network) and submit the pre-authorisation form at the reception.
• Step 3 - Get the necessary treatment. Once you have done this, the hospital will update you regarding the expenses you incurred.
• Step 4 - Submit a duly filled and signed claim form to us. We will verify your claim against it.
• Step 5 - Once approved, we will settle your medical bills directly with the hospital based on your policy terms.

Useful Links -

• Health Claim Process
• Track your Health Claim

Documents Required

• A duly filled and signed claim form.
• All medical reports.
• Original payment receipts for all medical expenses.
• Medicine bills.
• First Information Report (for accidental injuries).
• Doctor prescriptions.
• Discharge summary.

Useful Links -

• Documents Checklist for Health Claim
• Health Insurance Claim Form Download

Reliance Network Hospitals in Chen​​nai

All health insurance providers have dedicated network hospitals. You had to visit a network hospital to file a cashless health claim and get the claim settlement cleared by the insurer with the hospital on your behalf.

However, as of January 2024, the General Insurance Council announced the mandatory “Cashless Everywhere” update for all health insurance companies in Chennai. With this new update, you can now file cashless claims at any network or non-network hospital in India without any hassle.

The main intent behind this announcement includes -

• Improved accessibility to medical facilities for all
• Availability of better fund management for all income groups
• Higher affordability for necessary medical care despite the rising healthcare costs.

If you want to find the nearest network hospital under Reliance General, use our hospital locator option on the website.

Wellness and Prevention Tips in Ch​ennai

• Drink clean water and skip eating raw or uncooked vegetables or fruits to reduce the risk of waterborne diseases.
• Avoid smoking to reduce your carbon footprint and lower the risk of health issues.
• Reduce outdoor exposure during peak hours to lower the risk of respiratory issues.
• Apply mosquito repellent whenever you step out, and wear full-sleeved shirts and tops with pants.
• Eat a balanced diet packed with the right amount of nutrients.
• Avoid eating street food or food from local vendors.
• Keep yourself hydrated at all times.
• Pick your favourite physical activity and make a routine around it to stay healthy.
• Go for regular medical check-ups.

Frequently Asked Questions (F​​AQs)

1. Do you offer health insurance in Chennai for NRIs?

   Yes, if you are an NRI looking for health insurance in Chennai, you can either buy our Reliance Health Infinity plan or Reliance Health Global Insurance policy. Both these plans offer global medical coverage to help you with medical expenses for emergencies and planned treatments abroad.

2. What factors impact my health insurance premium?

   Some factors that impact your health insurance premium include your age, medical history, lifestyle choices and habits, family medical history, pre-existing conditions, choice of add-ons, and location.

3. Tips to reduce my health insurance premium.

   To reduce your health insurance premium, you can do the following -

   • Buy a plan online.
   • Purchase a health plan at an early age for lower premiums.
   • Choose a higher deductible for your policy.
   • Choose long-term health plans instead of annual policies.
   • Maintain a healthy lifestyle.
4. Which is better: A family insurance policy or individual plans for all members?

   Between a family plan and individual policies for all members, a family health insurance policy is the more cost-effective option. This is because it covers your entire family under the same plan with adequate coverage for all. Moreover, it reduces the hassle of individual policy tracking and renewals.

5. Is health insurance mandatory in Chennai?

   No, health insurance is not mandatory in Chennai. However, it is recommended that everyone buy a health plan to maintain their financial health and overall well-being.​