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Maharashtra has witnessed a significant number of individuals being affected by vector-borne diseases every year. Respiratory infections and lifestyle diseases have also left many individuals facing ongoing health concerns.
These health challenges among people across different age groups make the need for reliable health insurance in Maharashtra more important than ever.
Reliance General Insurance offers affordable health insurance in Maharashtra with extensive coverage for a wide range of illnesses and diseases.
High Incidences of Vector-Borne Diseases - Maharashtra faces frequent outbreaks of vector-borne diseases that can lead to high unforeseen medical expenses.
Increasing Prevalence of Lifestyle Diseases - Lifestyle diseases, such as hypertension and diabetes, are increasingly common in Maharashtra. It can lead to severe complications and need timely medical attention.
Widespread Respiratory Illnesses - Respiratory illnesses are also prominent among the residents of Maharashtra, demanding robust health insurance coverage to prevent serious complications.
Comprehensive Financial Security - By purchasing the best health insurance policy in Maharashtra, you can ensure comprehensive financial protection. It can cover a wide range of diseases and their related healthcare services.
Year
Dengue
Malaria
Chikungunya
2019
14888
11433
1646
2020
3356
19484
782
2021
12720
31160
2526
2022
5268
20579
787
Disease
Acute Respiratory Infection/ Influenza-like Illness
3269158
1620250
1106268
1020832
Suspected Influenza Cases
48618
20650
11888
18495
Influenza A
2287
121
387
3620
Source:State Action Plan on Climate Change and Human Health
To Manage High Medical Costs - From the previous section, it is evident that timely medical attention is important. However, with the rising cost of medical treatments today, having a health insurance policy is crucial.
To Ensure Quality Medical Treatments - During an emergency or a planned treatment, seeking quality healthcare services is essential. With adequate coverage under health insurance in Maharashtra, you can get access to quality healthcare services without the burden of high costs.
The health insurance coverage required for your healthcare expenses will be based on your age, health condition, family medical history and more. For instance, if you have a pre-existing health condition or your family members have suffered a critical illness such as cancer, you need to determine the coverage required to pay for such related treatment expenses in your locality.
If you have no idea about your future healthcare requirements, you can consider a coverage of 50% of your annual income. You can use our Reliance Health Insurance Premium Calculator to determine the premium for the coverage desired for your healthcare services.
Let us have a quick look at a simple illustration of health insurance coverage requirements and their respective premium rates.
Category
Coverage Needed (₹) (Approx)
Monthly Premiums (₹) (Approx)*
Individual (33 years old, female)
10 lakhs
536
Family with 2 Adults and 1 Child (Eldest member, 43 years old)
20 lakhs
1,728
Parents (Father and Mother) Eldest member - 61 years old)
15 lakhs
5,138
*Prices are indicative and can differ for individual circumstances. Use our online health insurance premium to determine the right premium quote for your health insurance coverage.
Also Read: Understanding Health Insurance Premiums: How Age Affects Your Costs
Reliance Health Global Plan
● Offers comprehensive coverage for planned medical treatments abroad
● Get a sum insured of up to USD 1 Million.
● Coverage for visa charges, travel and accommodation expenses
● Cashless hospitalisation worldwide for a wide range of illnesses
● Emergency medical evacuation and repatriation
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Reliance Health Infinity Plan
● Extensive coverage for in-patient care, pre-and post-hospitalisation, daycare treatments, critical illnesses and more.
● Sum insured of up to ₹5 crores
● Wide range of optional covers for customised health insurance coverage
● Unlimited restoration of the sum insured
● Windfall of discounts
Reliance Health Gain Plan
● Extensive health insurance coverage for individuals and families
● Sum insured of up to ₹1 crore
● Choice of room category
● Coverage for organ transplantation, AYUSH treatments, daycare procedures and more
Reliance Super Top-Up Plan
● Option to increase the coverage extensively
● Sum insured of up to ₹1.3 crores
● Extensive coverage for a wide range of illnesses at an affordable premium
● Extensive discounts
● Covers overseas medical expenses
Reliance Hospi Care Insurance Plan
● Sum insured ranging from ₹1 lakh to ₹10 lakhs
● Lump sum cash benefit for certain specified illnesses
● Daily cash for ICU up to 15 days
● Daily cash for hospitalisation up to 60 days
● Cash benefit for surgical procedures up to 100% of the sum insured
Reliance Specially Abled Health Insurance
● Specially curated for differently-abled individuals
● Lifelong renewability
● Covers the cost of emergency ground ambulance
● Sum insured of ₹4 lakhs and ₹5 lakhs
● Covers AYUSH and modern treatments
Reliance Group Mediclaim Insurance
● Covers medical expenses of employees (7 to 1000) within an organisation
● Option to include coverage for family members
● Waiting period not applicable to pre-existing diseases
● Flexible and affordable
● Covers employees in the age group of 18 - 60
Key Features
Reliance Advantage
Affordable Health Insurance Coverage
Starts at ₹243/month*
Extensive Sum Insured
₹3 Lakhs to ₹5 Crores
Network Hospitals
Over 10,000 across India
In-Patient Hospitalisation
✓
Pre and Post-Hospitalisation
Day Care Treatment
Domiciliary Hospitalisation
Cashless Hospitalisation
Restoration of Sum Insured
Modern Treatment
Critical Illness Cover
Organ Donor
AYUSH Treatment
Emergency Ambulance
Room Rent
Types of Health Insurance Coverage Offered
Individual, Family and Group
Purchase Process
Online with Zero Paperwork
Discounts
For online purchases, existing customers, long-term policies and more
High Claim Settlement Ratio
100%
Wide Range of Optional Add-Ons
Maternity Cover, Unlimited Restoration of Sum Insured, Critical Illness Add-on, Reduction in Waiting Period, and more
Simple Process - Purchasing health insurance in Maharashtra online is a simple process. It is easy to understand and less time-consuming.
Quick Process - After providing the required information and choosing a suitable policy, you will get the health insurance plan in a few minutes.
Compare Health Insurance Plans - You can compare the health insurance policies available based on their coverage and benefits to choose the best health insurance policy in Maharashtra.
Discounts - When you buy health insurance online, you can get a discount on your premium of up to 40%.
Zero Paperwork - By purchasing health insurance online, you can avoid the hassle of gathering all the documents and securing them for the purchase physically.
Transparent Process - Online purchase provides a transparent platform that lets you know what happens at every step and the breakdown of the premium for your health insurance in Maharashtra.
Customer Support - Our dedicated customer support team is available 24/7 to clarify your doubts and assist you with any of our processes.
Types of Health Insurance Plans
What does it Cover?
Individual Health Insurance
Medical expenses for a single individual.
Family Health Insurance
Medical expenses for the individual family members, including spouse, dependent children and parents
Senior Citizen Health Insurance
Medical expenses of senior citizens (individuals aged 60 years and above)
Group Health Insurance
Medical expenses of the employees in an organisation
Top-Up Health Insurance
Medical expenses for the insured person with the option to enhance the coverage when the existing sum insured gets exhausted
Critical Illness Insurance
Medical expenses for critical illness treatments, such as for cancer, cardiac issues, etc.
International Health Insurance
Medical expenses for planned treatments abroad
Inclusions
Exclusions
● In-patient treatment for a wide range of illnesses and diseases
● Coverage for pre-hospitalisation (up to 60 days before hospitalisation) and post-hospitalisation (up to 90 days after hospitalisation) expenses
● AYUSH treatments (Ayurveda, Yoga, Unani, Siddha and Homeopathy)
● Ambulance charges during an emergency
● Daycare procedures that do not take more than 24 hours of hospitalisation
● Domiciliary expenses when the insured cannot be transported to a hospital
● Modern treatments, such as organ transplantation and robotic surgeries
● Organ transplantation surgeries
● Preventive health check-ups
● OPD treatment that includes doctor consultations, diagnostic tests, prescription drugs, etc.
● Coverage for hospitalisation expenses due to mental illnesses
● Cosmetic and Plastic Surgery
● Obesity Treatment
● Change of Gender Treatments
● Cosmetic and Aesthetic treatments
● Investigation or evaluation without any treatment, experimental, unproven or unauthorised treatments
● Rest, Rehabilitation and Respite Care
● Treatment for pre-existing diseaseswithin the waiting period
● Maternity expenses, unless included by an add-on
● Dental treatment, unless required due to an accident
● Self-Inflicted Injuries, Suicide Attempts, treatments related to alcohol or drug abuse
● Cost of hearing aids and spectacles
● Treatments for illnesses resulting from a war
Please Note: The inclusions and exclusions can vary for the individual health insurance plans and their optional coverage benefits. Read through the respective policy document before purchasing it.
Analyse your Requirements - Understand your individual circumstances, such as your health condition, age, nature of occupation, family medical history and more to determine your health insurance requirements.
Research for Health Insurance Policies in Maharashtra - Find the different health insurance providers and their Maharashtra medical insurance plans that will suit your requirements.
Compare for the Best Coverage - Compare the different options for health insurance in Maharashtra based on their features, coverage benefits, and premium rates to strike the best deal.
Check for Customisation Options - Find the flexible features and optional covers that can enhance the coverage for your personalised requirements.
Check for the Network of Cashless Hospitals - Look out for the insurer’s network of hospitals that provide cashless hospitalisation across India.
Determine the Premium - If you have chosen a few policies, compare the cost using the health insurance premium calculator to find the most affordable health insurance in Maharashtra.
Understand Policy Terms and Conditions - Be clear about the health insurance policy inclusions and exclusions, waiting periods, and claim settlement procedures to have a smooth experience.
Review Customer Feedback - Review customer feedback and claim settlement ratio to find reliable health insurance providers to have a seamless experience.
Also Read: Advantages of Buying a Family Floater Health Plan
Step 1: Visit our Reliance Health Insurance Online
Step 2: Give the necessary details, such as your name, mobile number, pincode and click on ‘View Prices’.
Step 3: Determine the type of health insurance coverage required, whether individual, family, parents, or in-laws and proceed.
Step 4: Determine the sum insured and the most suitable health insurance policy. Include add-ons if necessary.
Step 5: Pay the applicable premium to buy your health insurance in Maharashtra.
Step 1: Visit our Renew Health Insurance
Step 2: Give either your mobile number or policy number to proceed.
Step 3: Review the coverage of your existing policy and modify it as required.
Step 4: Pay the applicable premium to renew your health insurance in Maharashtra.
Proof of Identity (Aadhaar card, passport, PAN, etc.)
Proof of Address (Aadhaar card, ration card, driving licence, etc.)
Proof of Income (Salary payslips, bank statements, ITR forms, etc.)
Health Records (Medical and diagnostic test reports, etc.)
KYC Verification
Passport-size photographs
Step 1: Using any of the following methods, inform us of the claim within 24 hours for emergency hospitalisation and before 48 hours for planned treatments.
Paid helpline number - +91 22 48903009
Email - rcarehealth@relianceada.com
Mobile application - Reliance Self-i App
Step 2: Make the necessary arrangements to go to any of our network or non-network hospitals.
Step 3: Fill out the pre-authorisation form with the help of our Third-Party Administrators (TPAs).
Step 4: Submit the medical reports and bills at the hospital.
Step 5: We will settle your medical bills directly with the hospital.
Step 1: Using any of the above-discussed methods, inform us of the claim within 24 hours for emergency hospitalisation and before 48 hours for planned treatments.
Step 2: Make the necessary arrangements to go to any authorised hospital.
Step 3: Pay for the applicable medical expenses at your end.
Step 4: Submit the essential documents, medical bills, and payment receipts.
Step 5: We will review your claim and documents to reimburse the approved expenses.
Health insurance claim form
Health records, including prescrips, diagnostic test reports, medical treatment reports, etc.
Original hospital bills
Payment receipts
Discharge summary
Pharmacy bills
First Information Report, if applicable
Other medical documents specific to your health condition
Network hospitals refer to hospitals that have established partnerships with us to offer cashless healthcare services. Therefore, when you visit any of our network of hospitals, we will settle your bills directly with the hospital.
We have established a network of over 10,000 hospitals that offer cashless and high-quality medical treatments across India.
To enhance this service of cashless hospitalisation, the General Insurance Council recently announced that cashless services can be offered at non-network hospitals as well. So, now you can go to any of our network of hospitals or other authorised non-network hospitals to get cashless claim benefits.
Wellness and Prevention Tips in Maharashtra
Stay protected from the spread of vector-borne diseases by maintaining good hygiene.
If you find a symptom of fever, body ache, or headache, get yourself tested immediately.
Be aware of vaccination schedules and ensure you promptly receive them.
Use mosquito repellents, especially during the monsoon season.
Consume nutritious food and stay hydrated for a healthy lifestyle.
Keep monitoring your blood sugar and blood pressure levels regularly.
Wear a mask wherever you go outside.
Practise yoga and breathing exercises to maintain a healthy respiratory system.
Also Read: 6 Ways to Improve Blood Circulation Naturally
Yes, we offer NRIs a wide range of health insurance policies in Maharashtra.
The best health insurance policy in Maharashtra for your specific requirements can be identified by comparing the various products that will suit your healthcare needs. Consider your age, health condition, pre-existing diseases, work environment and income to understand your requirements.
Compare the different health insurance plans available in Maharashtra based on their coverage features and premiums to find the most suitable and affordable policy.
Buy medical insurance at a young age to benefit from lower premiums and extensive coverage. At a young age, the risk of developing serious illnesses is generally lower. Therefore, you can afford to get extensive comprehensive coverage at an extremely affordable premium.
Your coverage for health insurance in Maharashtra should largely depend on your individual circumstances, such as your age, family medical history, pre-existing illnesses and cost of healthcare services in your locality. Get the help of our customer service team if you need assistance determining this coverage.
Yes, AYUSH treatments are covered by Reliance Health Insurance in Maharashtra.
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 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. 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).
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