Health Insurance in Mumbai

​Health insurance has become indispensable to Mumbai residents owing to the city’s fast-paced lifestyle, resulting in lifestyle-related health conditions. While Mumbai is known for its advanced healthcare infrastructure, its high costs leave people hesitant to opt for healthcare outside of emergency scenarios.

This is where Reliance General Health Insurance in Mumbai has been a true #HealthKaYaar for Mumbaikars. From affordable premiums to tailored health coverage, we have everything you are looking for.

Importance of Health Insurance​​ in Mumbai

Health Statistics and Major Health P​roblems in Mumbai

Dengue, Malaria and Chikungunya

Vector-borne diseases like dengue, chikungunya and malaria are very prevalent in Mumbai, especially during the rainy season.

According to a report , there is an increase in dengue cases in the city each year after monsoon. Mumbai also records thousands of cases of malaria every year.

Mental Stress

Mumbai is a fast-paced city where everyone is leading a busy life. Apart from physical health issues, mental issues like depression and anxiety are on the rise, with nearly 1 in every 9 people living with a diagnosable mental health disorder.

Pollution-Related Ailments

Every 4 out of 5 families are suffering from pollution-related health issues. Such health issues are not only life-threatening but also financially draining.

Why Do You Need Medical Insuranc​e in Mumbai?

Rising Healthcare Cost

Healthcare costs in Mumbai have been increasing sharply over the past few years. Even the basic services, such as routine check-ups and consultation charges, have become unmanageable for many individuals.

Lifestyle Diseases

Lifestyle diseases like stress and depression are very common in Mumbai. These issues impact your mental, physical and financial health.

Health insurance offers preventative treatment and wellness programs that help in improving your overall health.

Medical Emergencies

Medical emergencies can strike anyone and anywhere; Mumbai is no exception. Health insurance prepares you to deal with such challenges by offering the necessary financial assistance.

How Much Health Insurance Coverag​​e Do You Need in Mumbai?

The health insurance coverage requirements in Mumbai vary depending upon factors like the type of policy, and your age, health condition, risk exposure, income, etc.

Based on these factors, here is the approximate coverage needed by different categories of policyholders in Mumbai.

Note: These are approximate figures. For an accurate estimate, use our health insurance premium calculato r or get in touch with our team.

How to Find the Best Health Insurance​​ in Mumbai?

Check Customer Feedback and Reviews	Understand Policy Terms
Take a look at the customer reviews and testimonials to understand the efficiency and authenticity of the insurance plans and providers.	Finally, take a look into the terms and conditions of the selected policy. This is to ensure that you are not missing out on an important detail.

Also Read: Tips To Make Buying Health Insurance Easier

Why Should You Buy Online Health In​​surance in Mumbai from Reliance General Insurance?

Comprehensive Coverage	10,000+ Network Hospitals
Our health insurance plans offer comprehensive coverage for pre- and post-hospitalisation, daycare treatments, in-patient and out-patient care, pharmacy bills, diagnostic tests, routine check-ups and more.	Get high-quality cashless treatment from trusted healthcare experts at our network hospitals. Whether you need daycare treatment or immediate hospitalisation, you can visit any network facility for a hassle-free experience.

Why Choose Reliance Health Insuranc​e in Mumbai – Key Features and Benefits

Key Features	Reliance Advantage
Low Premiums	Starts at ₹243/month
Types of Policies	Individual, Family and Group
Multiple Sum Insured Options	₹3 Lakhs to ₹5 Crores
Claim Settlement Ratio	100%
Cashless Hospitalisation	✓
Network Hospitals	10,000+
In-Patient Hospitalisation	✓
Domiciliary Hospitalisation	✓
Day Care Treatment	✓
Modern Treatment	✓
AYUSH Treatment	✓
Critical Illness Cover	✓
Room Rent	✓
Organ Donor	✓
Restoration of Sum Insured	✓
Zero Paperwork	Online purchase via website and Self-i mobile app.
Emergency Ambulance	✓
Optional Add-Ons	OPD Cover, Maternity Cover, Room Rent Waiver, Restore Benefit Cover and more.

Types of Reliance Medical Insurance in​​ Mumbai

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Also Read: The Role of Health Insurance in Wellness Programmes

What Do Reliance Health Insurance in​​ Mumbai Usually Cover and Not Cover?

Inclusions

Inclusions	Details
In-Patient Treatment	Coverage for medical expenses resulting from illness, injury and emergency hospitalisation. These include room rent, consultation charges, pharmacy bills, etc.
Pre- and Post-Hospitalisation	Coverage for healthcare expenses incurred up to 60 days before and 40 days after hospitalisation.
Organ Donor Expenses	Coverage for expenses incurred during an organ transplant surgery.
Ayush Treatment	Coverage for various alternate treatments, including Ayurveda, Yoga, Unani, etc.
Modern Day Treatment	Coverage for advanced healthcare procedures such as stem cell therapy, robotic surgery and more.
Ambulance Charges	Covers the ambulance charges incurred during medical emergencies.
Preventative Healthcare	Coverage for annual routine check-ups.
Daycare Treatment	Coverage for same-day treatments.

Exclusions

Our health insurance plans in Mumbai do not cover the expenses arising from the following events:

• War, nuclear attacks
• Self-harm, suicide attempts, self-inflicted injuries.
• Rest or rehabilitation care
• Obesity treatment
• Cosmetic procedures
• Experimental or unapproved treatments
• Hearing aid, spectacles
• Dental treatment (unless covered with an add-on)
• Maternity expenses (unless covered with an add-on)
• Undeclared pre-existing diseases.
• Claims raised during the waiting period.
• Claims raised after the expiry of the policy.

Buying and Renewing Reliance Health I​​nsurance in Mumbai

Reliance Health Insurance Online Purchase Process

• Step 1: Open your browser and then our health insurance page .
• Step 2: Enter your name, number, and address and click on “View Prices”.
• Step 3: Select the policy type: individual, family, parents or in-laws.
• Step 4: Check the received quote and make necessary adjustments to the plan if you are satisfied.
• Step 5: Make the premium payment.

Also Read: Health Insurance For First-Time Buyers

Reliance Health Insurance Renewal Process

• Step 1: Go to the Reliance Health Insurance Renewal
• Step 2: Enter your policy or mobile number.
• Step 3: Review your plan and make any necessary adjustments, if required.
• Step 4: Pay the renewal charges online using any preferred payment method.

Documents Required for Reliance Health Insurance Purchase/ Renewal

• Proof of Age (birth certificate, 10th marksheet, etc.)
• Proof of Identity (Aadhaar, PAN, Voter ID, etc.)
• Proof of Address (Passport, Driving Licence, etc. )
• Proof of Income (Recent payslips, ITR form, bank statements)
• Medical Reports
• KYC process
• Other documents required by our team.

How to File a Reliance Health Insurance Cla​im in Mumbai?

Cashless Claim Process

• Step 1: Register your claim immediately in the event of a claim. You can do this by calling us at +91-224890-3009. You can also intimate your claim via the Reliance Self-i app or email.
• Step 2: Once your claim request gets approved, get cashless treatment at the nearest network or non-network hospital.
• Step 3: After your treatment is complete, we will settle your incurred expenses directly with the network hospital or our TPA at a non-network hospital.

Reimbursement Claim Process

• Step 1: Register your claim using the same steps mentioned above or through our self-help
• Step 2: Get treatment at a non-network hospital and pay all the bills after discharge.
• Step 3: Submit the claims form and the original bills to our claims department for reimbursement.

Documents Required

• Carefully filled out health claims form .
• Policy details
• Diagnostic reports
• The prescription letter signed by the attending medical practitioner
• Hospital discharge papers
• Original bills
• FIR report (if applicable)
• Ambulance bill
• Other case-specific documents.

Reliance Network Hospitals in Mu​​mbai

Network hospitals are healthcare facilities that partner with insurance companies to offer cashless medical treatments. Here, the insurer settles your bills directly at your selected network facility.

At Reliance General Insurance, we have a network of more than 10,000 hospitals in India.

About Cashless Everywhere Initiative 2024

“Cashless Everywhere” is the latest initiative announced by the General Insurance Council of India (GIC) in January 2024. This scheme allows you to receive cashless treatment at any registered hospital or medical facility within India.

Why Choose Reliance Network Hospitals?

Why choose Reliance network hospitals if you can get cashless treatment at any hospital in Mumbai? – Here are some reasons why you may want to consider our network hospitals

• Streamlined Claims Settlement: No need to go through the complicated and lengthy cashless settlement process at non-network hospitals.
• High-Quality Treatment: Get the best quality treatment from reputed doctors and healthcare practitioners.

To find your nearest network hospital, use our Hospital Locator Tool .

Wellness and Prevention Tips in M​​umbai

• Get rid of stagnant water from your surroundings to prevent mosquito breeding.
• Clean water tanks and other water storage containers regularly.
• Use mosquito repellents.
• Wear full-sleeved clothing during monsoons.
• Avoid eating at unhygienic places.
• Drink plenty of water.
• Have a balanced diet rich in proteins, good fats, complex carbs, fibre and other micronutrients.
• Utilise air purifiers.
• Stay updated on your v

Also Read: The Benefits of Preventive Health Checkup

Frequently Asked Questions (F​​AQs)

• Do you offer health insurance in Mumbai for NRIs?

  Yes. We offer Reliance Global Health Insurance for NRIs and frequent overseas travellers. With this plan, you can avail yourself of worldwide hospitalisation for planned treatments abroad. Not only this, but you can also get emergency treatment at any authorised hospital in India.

• I am 18 years old with no major health issues. Should I still purchase a health insurance policy?

  Yes, it’s often recommended. By purchasing health insurance early, you can benefit from low premium rates, no pre-policy check-ups and early completion of waiting periods for PED and other necessary coverage.

• What are the best health insurance companies in Mumbai?

  Reliance General Insurance is one of the most trusted and well-recognised health insurance providers in Mumbai. With over 5 crore happy policyholders and benefits like a 100% claims settlement ratio, we offer tailored health insurance policies to meet your exclusive needs.

• What do I need to purchase health insurance online from Reliance?

  You can purchase health insurance online from Reliance with your mobile number and KYC documents, i.e., address and ID proof. For more information, give us a call .

• What is the cost of health insurance in Mumbai?

  The cost of health insurance in Mumbai is not fixed. It is calculated for each individual based on factors such as coverage needs, type of policy, selected sum insured and more. You can utilise our health insurance premium calculator to estimate the closest amount.