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Pune, known for its peaceful weather and cultural heritage, is home to over 7 million people. With urbanisation and the rise of IT hubs in the city, the costs of healthcare and lifestyle diseases have been on the rise. Thus, its citizens must have health insurance in Pune to secure financial protection from unexpected medical emergencies.
To answer the healthcare demands, Reliance General Insurance offers comprehensive health insurance policies tailored to Pune’s unique health challenges. We ensure you receive quality medical care without financial stress with one of the best mediclaim policies in Pune.
Mental health issues such as depression and anxiety are on the rise and commonly seen among citizens in Pune. Additionally, the burning of trash and increasing pollution have contributed to respiratory illnesses, causing a vital need for the best health insurance policy in Pune.
Getting treatment and accessing healthcare facilities is becoming increasingly expensive. However, without adequate health insurance, these medical expenses can burn a hole in your pocket and result in financial stress.
Pune struggles with vector-borne diseases, such as dengue and malaria, particularly in monsoon. These diseases also result in a higher number of people being hospitalised to be treated for the same.
You get tax benefits under section 80D of the Income Tax Act for paying premiums for health insurance premiums. Under this section, you can save up to ₹1 lakh and maximise your savings.
Pune, a bustling city with rapid urbanisation, faces numerous health challenges. The NCDC reports show that respiratory illnesses and lifestyle-related diseases like hypertension and diabetes are common. Pune also experiences outbreaks of vector-borne diseases such as dengue and malaria, especially during the monsoon.
Health Issues
Data from NCDC (2022-2023)
Respiratory Illnesses
Increased due to rising air pollution, especially during winter.
Vector-borne Diseases
5268 dengue cases and 20579 malaria cases were reported across Maharashtra, with Pune being a hotspot.
Heat-related Illnesses
Significant rise in heat stroke cases during summer months.
Waterborne Diseases
Regular cholera and gastroenteritis outbreaks during monsoons.
Source: State Action Plan on Climate Change and Human Health, Maharashtra
Our health insurance products are designed to cater to the specific needs of individuals of varied age groups. These plans help you get quick treatment and better quality healthcare when you need it.
High levels of air pollution contribute to respiratory diseases, making timely medical attention crucial for residents. Additionally, with over 20,000 reported cases of vector-borne diseases like dengue and malaria in 2023, having insurance can give you quick access to treatment.
The rapid urbanisation of Pune has led to increased healthcare costs, with average out-of-pocket expenses for hospitalisation soaring. Thus, with health insurance in Pune, you do not have to worry about last-minute medical expenses and with a higher sum insured.
Comprehensive health insurance ensures financial security, covering expenses related to consultations, hospitalisation and treatments, thereby safeguarding you and your loved ones against unforeseen health issues.
Health insurance in Pune depends on various factors that govern premium prices. These factors include coverage requirements depending on the region, the number of people covered under one policy and the add-ons required.
A common thumb rule states that you must reserve 2% of your annual income for health insurance premiums. In addition, for adequate coverage, it is ideal to have the sum insured as 50% of your salary.
For example, if you earn ₹5 lakhs annually, then ensure that you are investing at least 2% of it in health insurance premiums, i.e. ₹10,000. Also, ensure that the sum insured is approximately ₹2.5 lakhs. To speed up this process, you can use our health insurance premium calculator and derive an estimate instantly.
*The example is an illustration and can differ for individual circumstances.
Also Read: Everything You Can Include in Your Family Health Insurance Plan
Reliance Health Insurance Policy
Features of Health Insurance
Reliance Health Infinity Plan
● Unlimited sum insured option with comprehensive coverage.
● Covers daycare procedures and pre- and post-hospitalisation expenses.
● Additional benefits include annual health check-ups and wellness services.
● Higher sum insured of up to ₹5 crores.
Reliance Health Global Plan
● Comprehensive global coverage for medical expenses incurred outside India.
● Covers hospitalisation, outpatient treatment and pre-existing diseases after a waiting period.
● Get a lifetime limit of twice the sum insured of up to USD 1 million.
● Coverage for a wide range of specialised illnesses and planned hospitalisation for the same.
Reliance Health Gain Plan
● Tailored coverage with flexible sum insured options to suit individual needs.
● Includes features like health check-ups and discount options for a healthy lifestyle.
● No sub-limits for in-patient care.
● Coverage for special treatments with a higher sum insured of over ₹25 lakhs.
● Unlimited restoration of the sum insured.
Reliance Hospi Care Insurance Plan
● Focused coverage for hospitalisation expenses with fixed benefits per day.
● It covers costs for 150+ surgeries, room rent and ICU charges without sub-limits.
● Lump sum coverage of ₹20,000 for hospitalisation due to diseases like Dengue, Chikungunya and Malaria.
● You can avail yourself of a discount of up to 30%.
Reliance Super Top-Up Plan
● Enhanced coverage that acts as a top-up to existing health insurance policies.
● Provides additional financial security with higher sum insured options at lower premiums.
● Higher sum insured of up to ₹1.3 Crore.
● Maternity cover of up to ₹2 Lakhs.
● Option to opt for lifelong policy renewal option.
Reliance Specially-Abled Health Insurance
● Customised health cover specifically designed for individuals with disabilities.
● Covers medical expenses, rehabilitation and pre-existing conditions after a waiting period.
● Provides access to specialised healthcare services and support.
● Coverage for cataract treatment of up to ₹40,000 for one eye in a policy year.
Also Read: Finding the Best Among the Rest: Different Types of Health Insurance Policies in India
Key Features
Benefits
Cashless Treatment
✓
Pre and Post-Hospitalisation Cover
No-Claim Bonus
In-patient Hospitalisation
Day Care Treatment
AYUSH Treatment
Emergency Ambulance
Minimal Paperwork
Customisable Plans
Online Claim Process
Domiciliary Hospitalisation
COVID-19 Coverage
Co-Payment Option
Organ Donor Expenses
Claim Settlement Ratio
100%*
Extensive Network of Hospitals
10,000+ hospitals*
Affordable Premiums
Starting at just ₹243/month*
Global Coverage
Plan options for international coverage, allowing for treatment abroad when necessary.
Additional Benefits
Offers unique features like maternity cover, newborn care and coverage for specially-abled individuals.
Coverage for Outpatient Treatments
This includes OPD treatments such as consultations, medicines, minor surgeries, etc.
Room Rent
Option for increasing or decreasing your room rent limits and room categories.
Convenience: You can purchase our health insurance from the comfort of your home without the need for physical visits. This saves you valuable time and effort.
Instant Quotes: With Reliance General Insurance’s medical insurance in Pune, you get instant premium quotes to compare and make informed decisions quickly.
Hassle-Free Claims: Reliance General Insurance offers a user-friendly online claims process, ensuring timely settlements. The claim process can be completed online with just a few steps.
Cashless Everywhere: You can get cashless treatments at any hospital in Pune. However, we have a vast network of 10,000+ hospitals to speed up the cashless claims processes.
Discounts and Offers: With us, you can benefit from exclusive discounts of up to 40% for online policy purchases. Additionally, you get more exclusive discounts with particular policy types.
Access to Support: We offer 24/7 customer support for any queries or assistance to give you a smooth insurance experience.
Maintenance of Transparency: We ensure that clear and comprehensive information about policy features, inclusions and exclusions and terms are available online.
Types of Reliance Health Insurance
Description
Individual Health Insurance
Offers financial protection for medical expenses incurred by a single individual.
Family Health Insurance
This is the best health insurance policy for a family in Pune. It covers medical treatment expenses for all family members, including spouses, dependent children and parents.
Group Health Insurance
Created for organisations to extend medical coverage to their employees.
Senior Citizen Health Insurance
Tailored for senior citizens, our medical insurance in Pune addresses specific health concerns and ensures comprehensive protection.
Critical Illness Insurance
Covers medical expenses related to critical illnesses such as cancer, heart disease and more.
Coverage for hospitalisation expenses due to:
Illness or injury,
Room rent,
ICU charges,
Doctor fees
Nursing expenses
Expenses for pre-and post-hospitalisation for 30-90 days
Coverage for alternative treatments under AYUSH treatment
Ambulance charges for transporting insured persons for medical emergencies
Coverage for daycare treatments
Expenses for cataract treatment
Coverage for modern treatment procedures, such as stem cell therapy
Coverage for OPD treatment expenses for consultation, medicines, diagnostic tests and dental treatment.
Coverage for annual health check-ups
Expenses for hospitalisation without treatment (only for diagnosis)
Expenses for rehabilitation, cure and rest are excluded
Cosmetic procedures and plastic surgery, unless required due to accident or illness
Treatment for obesity
Expenses for gender change treatment
Treatment for substance or alcohol abuse
War-related injuries
Dental treatment, unless required for an accident
Self-inflicted injuries
To select the best health insurance policy in Pune, you must understand your coverage needs. For example, if you have senior citizens in your family and require coverage for pre-existing illnesses, then look for plans that fulfil your needs.
Visit our health insurance page and compare the coverage and other details of our range of plans. Our online platform allows you to compare premium prices, policy inclusions and other features side by side.
Check customer feedback and ratings on our website to understand the extent of our services and their quality. Additionally, check the claim settlement process and ratio, as they are important for hassle-free treatment.
Ensure that your chosen insurance provider has a wide network of hospitals registered with them. Network hospitals make the treatment and claiming process quicker and stress-free.
Review the policy's terms, including waiting periods, exclusions and sub-limits on specific treatments. Ensure that you choose an insurer that provides shorter waiting periods and no sub-limits in case of hospitalisation.
Go to our official Reliance Health Insurance page.
Enter your name, age, contact number and location (pin code), then click on “View Prices”.
Choose the number of people you wish to insure and the appropriate coverage, such as individual, family floater, group, etc.
Choose the required sum insured and view the instant quote. You can compare the premium prices with our health insurance plans and choose the best plan for you.
Complete the online payment and get the best health insurance policy in Pune instantly via email.
Go to our Renew Health Insurance page.
Enter your mobile number or health insurance policy number to continue.
Review the details of your current policy and make any necessary changes, such as adjusting the sum insured or adding optional add-ons.
Complete the payment for the applicable premium to renew your policy instantly.
Identity proof, such as an Aadhaar Card, Passport, Driving Licence, etc.
Age proof, such as an Aadhaar Card, Passport, Driving Licence, etc.
Provide proof of income, such as bank statements, ITR forms, salary slips, etc.
Medical reports
C-KYC completion as per IRDAI’s AML guidelines.
Recent passport-size photos
Notify us and register your claim by:
Calling our helpline at +91 48903009,
Emailing us at rgicl.rcarehealth@relianceada.com or
Through the Reliance Self-i App.
Visit any network or non-network hospital of your choice.
For emergencies, submit the pre-authorisation form within 24 hours or at least 48 hours before a planned hospitalisation.
Provide the required medical reports and bills to the hospital.
We will directly settle the approved bills with the hospital.
Inform us about the claim using any of the methods mentioned above.
Visit an authorised hospital and proceed with the necessary treatment.
Pay for the expenses upfront at the hospital.
Within 7 days of discharge, submit a scanned copy of all relevant documents, including medical reports, bills and payment receipts.
We will review the documents and claim form and reimburse the eligible expenses.
Duly filled claim form
Original bills and payment receipts
Prescription from doctors
Discharge summary
Pharmacy bills
First Information Report (FIR), if applicable
Any other specific documents
FIR (in case of accidents)
*Find an extensive list of documents for specific healthcare needs.
A network hospital is a medical facility that has a tie-up with Reliance General Insurance, allowing policyholders to get cashless treatments. In these hospitals, the insurance company directly settles the medical bills, so you don't have to pay upfront for hospitalisation, except for non-covered expenses.
IRDAI’s “Cashless Everywhere” initiative ensures that every health insurance company in Pune (and India) offers cashless claim facilities at all hospitals in India. This initiative aims to make the treatment process more seamless for policyholders.
This update means you can receive treatment without the financial hassle of arranging funds in advance. Instead, Reliance General Insurance will handle the bill settlement directly with the hospital.
To find Reliance network hospitals in Pune, use our hospital locator:
Adapt to Monsoon Weather : Pune's monsoon season can lead to infections; keep your home dry and clean to prevent mould growth.
Boost Immunity : Consume foods rich in Vitamin C, like citrus fruits, to build resistance to seasonal colds and flu.
Stay Active : Utilise the city's mild winters for outdoor activities like hiking at the nearby forts for physical fitness.
Hydrate Well : Despite the moderate climate, it’s essential to drink plenty of water to maintain optimal body function.
Practice Mindfulness : Engage in yoga or meditation, especially in Pune's tranquil environments, to reduce stress and improve mental health.
Yes, we offer health insurance for NRIs. For coverage outside of India, you can purchase our International Health Insurance for your planned international treatments.
Yes, Reliance General Insurance offers coverage for AYUSH treatments, including Ayurveda, Yoga, Unani, Siddha and Homeopathy.
The best health insurance in Pune is the one that provides comprehensive coverage at affordable rates. It must also provide a higher sum insured, coverage for hospitalisation, pre- and post-hospitalisation, quick buying and claiming process, AYUSH treatment, 24X7 emergency assistance, etc.
Ensure that you compare premium prices and coverages before buying a plan for you and your family.
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.
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