Health Insurance in Rajasthan

​Living in Rajasthan brings unique health challenges due to the region's extreme temperatures, dust storms and rising cases of respiratory and vector-borne diseases. Access to quality healthcare can be limited in many rural areas, making health insurance in Rajasthan essential for both preventive care and emergency medical needs.

Reliance General Insurance offers comprehensive health insurance Rajasthan plans tailored for Rajasthan’s residents. These plans provide coverage for hospitalisation, critical illnesses and cashless treatment at top hospitals across the state.

Whether facing the summer heat or managing long-term health conditions, Reliance’s Rajasthan health policy ensures financial protection and access to quality care.

Importance of Health Insurance​​ in Rajasthan

Health insurance is an important investment and is growing in importance year by year. Here are some of the top reasons that highlight the importance of a Rajasthan health policy:

• Health insurance offers financial protection against rising medical costs, covering hospitalisations, surgeries and treatments.
• Temperatures soar in Rajasthan, and desert winds worsen air quality. As a result, residents are at higher risk for heat-related illnesses and respiratory diseases.
• Healthcare facilities in rural areas of Rajasthan are limited. Thus, health insurance plans are crucial for accessing quality medical care in urban centres.
• Policies like those offered by Reliance General Insurance help manage these healthcare expenses. These plans ensure that residents have access to cashless treatment and financial support during critical health emergencies.

Also Read: ​Ensure Safety with Personal Accident Coverage

Health Statistics and Major Heal​th Problems in Rajasthan

Increase in Vector-Borne Diseases

Rajasthan has seen a rise in vector-borne diseases, particularly malaria, dengue and chikungunya. In 2022, there were over 12,310 dengue cases, with hotspots in cities like Jaipur and Udaipur. Malaria cases, though fewer, were also reported, with a peak of 1,508 cases in 2022.

Prevalent Chronic Lung Disease

Extreme weather conditions and air pollution in Rajasthan, particularly in urban cities, have led to an increase in chronic lung conditions like COPD and asthma. Cities like Kota and Bhilwara experience poor air quality, with PM2.5 levels exceeding 80 μg/m³. This exposure contributes to a significant rise in respiratory issues across the state.

Increase in Heat-Related Illnesses

Rajasthan is one of the hottest states in India and frequently experiences extreme heat conditions. In 2023, temperatures soared above 45°C during peak summer, especially in districts like Barmer and Jaisalmer.

Prolonged exposure to such high temperatures led to a significant rise in heat-related illnesses such as heat strokes, dehydration and heat exhaustion. Vulnerable populations, such as outdoor workers, traffic police and the elderly, are at higher risk.

Year	Average Max. Temperature	Heat-Related Illnesses
2022	44.5°C	3,540
2023	45°C+	4,220

Impacts of Extreme Weather Events

Rajasthan also faces multiple extreme weather events, including floods, droughts and cyclones. According to the 2023 SAPCCHH Report, districts such as Ajmer, Jodhpur and Udaipur are identified as hotspots for flood risks, while drought-prone areas like Barmer and Jaisalmer struggle with long-term water scarcity.

Event	Affected Districts	Health Impact
Floods	Ajmer, Udaipur, Jodhpur	Waterborne diseases
Drought	Barmer, Jaisalmer	Malnutrition, dehydration
Cyclones	Coastal regions	Respiratory issues

Source: State Action Plan for Climate Change & Human Health, Rajasthan 2023

Why Do You Need Health Insura​​nce in Rajasthan?

Extreme Weather Conditions

Rajasthan’s scorching summer heat leads to heat-related health issues. Sandstorms also worsen respiratory illnesses like asthma, increasing the chances of requiring hospitalisation.

Rise in Vector-Borne Diseases

As mentioned earlier, during monsoon season, the state sees a spike in the number of cases reported for dengue and malaria. The treatment for these conditions can result in costly hospital days, which can be stress-free if you have a Rajasthan health policy.

Chronic Illnesses

The state's population faces increasing incidences of chronic illnesses, especially lung diseases. The most prevalent cases are found to be asthma and COPD (chronic obstructive pulmonary disease) among elderly citizens of Rajasthan. Thus, reliable medical care is required in such cases.

High Out-of-Pocket Medical Costs

With rising healthcare costs, especially in cities like Jaipur and Udaipur, health insurance provides financial security during emergencies and routine treatments.

Also Read: ​How To Save On Health Insurance Premium Under Section 80D

How Much Health Insurance C​​​overage Do You Need in Rajasthan?

Residents should consider a Rajasthan health policy that offers comprehensive coverage. To determine the right coverage for you, consider common influencing factors, such as:

• Age
• Current health status
• Financial stability
• Unique challenges of the city you live in
• Lifestyle and working conditions

Ideally, you must allocate around 2%-5% of your annual income towards spending your health insurance. For Rajasthan residents, in particular, you can refer to the following estimated sum insured:

Insured Person(s)	Estimated Sum Insured
Individual	₹10-₹15 lakhs
Family	₹20 lakhs
Senior Citizens	₹25-₹35 lakhs

For personalised estimates, use our health insurance premium calculator and select a plan that offers overall coverage for your needs. This will ensure that you are neither underinsured nor overburdened with high premium prices.

Reliance Health Insurance Raj​asthan Plans

Rajasthan Medical Insurance Plans	Description
Reliance Health Infinity Plan	● Unlimited sum insured option. ● Covers daycare treatments and pre/post-hospitalisation. ● Includes wellness services and annual health check-ups. ● Maximum coverage of up to ₹5 crore.
Reliance Global Health Policy	● International coverage with a sum insured up to USD 1 million. ● Covers planned treatments abroad. ● Lifetime global coverage for critical illnesses.
Reliance Health Gain Insurance	● Flexible sum insured options up to ₹1 crore. ● Unlimited restoration of the sum insured. ● Health check-ups and discounts for healthy lifestyle choices.
Reliance Specially Abled Insurance	● Coverage for pre-existing conditions and rehabilitation. ● Sum insured up to ₹5 lakhs. ● Special cover for cataract treatments. ● Coverage of up to ₹2,000 for emergency ground ambulance service per hospitalisation.
Reliance Super Top-Up Insurance	● Top-up coverage up to ₹1.3 crore. ● Covers high-value claims beyond your existing insurance. ● Maternity coverage of up to ₹2 lakhs is included.
Reliance Hospi Care Insurance	● Fixed daily benefits for hospitalisation. ● Covers 150+ surgeries. ● ​Lump-sum payout for specified diseases like dengue.

Why Choose Reliance Medical Insur​ance in Rajasthan – Key Features and Benefits

Key Features	Benefits
Cashless Treatments	Get swift claim settlement and stress-free medical treatment with this facility.
Low Waiting Period	We offer a low waiting period of a minimum of 15 days.
Network Hospitals	We have a wide range of 10,000+ network hospitals spread across nationally.
Documentation	Minimal paperwork for claiming and buying policies online.
COVID-19 Coverage	Get COVID-19 coverage with all of our health insurance plans.
Co-Payment Option	With us, co-payment is an option and not a mandate.
Low Premium Prices	We offer comprehensive coverage at competitive rates, starting at just ₹243*.
Higher Sum Insured	We offer a maximum sum insured of ₹5 crore (this varies based on your policy).
High Claim Settlement Ratio	100%*
Mental Illness Coverage	Coverage for expenses related to mental illness treatment.
Preventive Health Check-ups	We cover your preventive check-up expenses annually.

Why Should You Buy Online Healt​​h Insurance in Rajasthan from Reliance General Insurance?

Instant Policy Issuance

Purchasing the best health insurance in Rajasthan online ensures you receive your health insurance policy immediately, without paperwork or delays.

Compare Plans Easily

You can compare different health insurance policies and premiums from the comfort of your home and pick the best one.

Exclusive Online Discounts

Buying online offers exclusive discounts of up to 40% on premium prices and lowers expenses compared to offline purchases.

Convenient Renewal

With online purchases, you also have access to easy policy renewal options. These allow you to update or extend your policy with just a few clicks.

Transparent Process

Our online buying process offers you a transparent view of policy terms, exclusions and coverage details before purchase.

Types of Reliance Health Insuran​ce in Rajasthan

Health Insurance Rajasthan Plans	Description
Individual Health Insurance Plans	This type of plan is ideal for single individuals to secure coverage for their medical expenses.
Family Health Insurance Plans	Our family insurance plan is the best option for covering a maximum of 8 family members under a single policy.
Group Mediclaim Policy	This plan is designed especially for organisations that want to provide necessary medical care for their employees.
Critical Illness Health Insurance	This plan provides a financial safety net for individuals diagnosed with severe health conditions. It offers a lump-sum payout, helping cover the costs of treatment and recovery for up to 10 critical illnesses.
Reliance Global Health Plan	This plan provides international medical coverage, specifically designed to cover planned hospitalisations abroad. It offers coverage limits of up to USD 1 million.
Senior Citizen Health Insurance	Tailored for elderly individuals, this plan offers protection against age-related health conditions, including critical illnesses. It provides a higher sum insured and the convenience of cashless treatments.

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

Inclusions

• AYUSH treatments
• Pre- and post-hospitalisation expenses for 30-90 days
• Hospitalisation expenses related to illness or injury, including room rent, ICU charges, doctor’s fees and nursing expenses
• Daycare treatments
• Emergency ambulance charges
• Coverage for domiciliary hospitalisation
• Cover for organ donor expenses
• Coverage for cataract surgeries.
• Modern treatment methods
• Daycare treatments
• Annual health check-ups

Exclusions

• Hospitalisation for investigation and evaluation
• Treatment for obesity
• Expenses for cosmetic or aesthetic surgeries or treatments
• Gender change treatments
• Treatment for injuries or illnesses resulting from war, nuclear activities or terrorism
• Experimental or unproven treatments
• Self-inflicted injuries
• Expenses for rest cure, respite care or rehabilitation

How to Find the Best Health Ins​​urance in Rajasthan?

Opt for Higher Sum Insured

Ensure that the plan you choose offers high coverage and adequate sum insured so that your healthcare needs are met. Also, consider inflation and healthcare costs in your city before choosing the sum insured.

Choose Appropriate Policy

We offer different types of plans that cater to people with varying age groups and health conditions. For example, if you want coverage for your family of 6, choose our Health Infinity Insurance.

Claim Settlement Process

Ensure that the claim settlement process of the chosen plan is quick and easy so that you can get financial coverage when needed. Also, ensure that the claim settlement ratio is high.

Compare Premium Prices and Coverage

Use online comparison tools to find the best health insurance in Rajasthan that offers comprehensive coverage within your budget. Comparing premiums among our various types of plans will help you secure the best coverage at the best price.

Buying and Renewing Reliance Hea​​​lth Insurance in Rajasthan

Steps to Purchase Reliance Health Insurance Online

1. Go to the Reliance Health Insurance pageto buy suitable Rajasthan medical insurance plans.
2. Enter your personal details, such as name, age, mobile number and location (pin code). Then click on “View Prices”.
3. Select the plan that best suits your coverage needs. For example, you would need a different plan if you were looking for coverage for a single person as opposed to a group.
4. Opt for a suitable sum insured and optional add-ons per your coverage requirements. Review the premium prices.
5. Complete the online payment for the premium and get your health insurance in Rajasthan via email.

Steps to Renew Reliance Health Insurance Online

1. Visit the Reliance Renew Health Insurance pageto renew your policy quickly.
2. To proceed with the renewal process, enter your registered mobile number and policy details.
3. View your current health insurance plan and select it to renew.
4. Make modifications to your current plan if required. For example, add-on options to enhance your coverage.
5. Renew your best mediclaim policy in Rajasthan by completing the online payment.

Required Documents

• Identity proof, such as an Aadhaar Card, Passport, Driving Licence, etc.
• Medical reports
• Recent passport-size photos
• C-KYC completion as per IRDAI’s AML guidelines
• Proof of income, such as ITR forms, bank statements, salary slips, etc.
• Age proof, such as a Driving Licence, Aadhaar Card, Passport, etc.

How to File a Claim for Your Rajasthan​ Health Policy?

Cashless Claims

1. Register your claim for your healthcare needs in Rajasthan with us using any one of the following ways:
   • Calling our helpline at +91 48903009,
   • Emailing us at rcarehealth@relianceada.comor
   • Through the Reliance Self-i
2. Visit any authorised hospital near you to get quick and hassle-free treatment.
3. To access our cashless facility, you need to submit a completely filled pre-authorisation form.
   • If the hospitalisation has occurred for an emergency, ensure that you submit the form within 24 hours of admission. However, for planned treatments, you need to submit the form 48 hours before hospitalisation.
4. Submit every supporting document along with the claim form.
5. Once the claim is approved, we will settle the bill for your medical expenses.

*Note that you have to pay for deductibles or uninsured treatments.

Reimbursement Claim

1. Register your reimbursement claim in Rajasthan, as mentioned earlier; i.e., contact us.
2. Visit your preferred hospital to receive treatment.
3. Pay for all the medical expenses, including hospitalisation, lab tests, pre- and post-hospitalisation yourself.
4. Prepare the documentation, such as duly filled claim form, medical bills, receipts, etc., and submit it to us for approval.
5. Once the claim is approved, you will receive the reimbursement for your expenses.

*Note that the reimbursement received will not cover deductibles and uninsured expenses.

Required Documents

• FIR (in case of accidents)
• Original bills and payment receipts
• Medical reports
• Prescription from doctors
• Pharmacy bills
• Any other specific documents
• Duly filled claim form
• Discharge summary
  

*Find an extensive list of documents for specific healthcare needs.

Reliance Network Hospitals in Raj​asthan

Reliance General Insurance has a vast network of over 10,000 hospitals across India, including many in Rajasthan, providing easy access to cashless treatments. Given the state's healthcare challenges, having access to network hospitals is one of our most beneficial features for Rajasthan residents.

Leading hospitals are part of this network, offering everything from routine check-ups to specialised surgeries. With the IRDAI’s Cashless Everywhere initiative, policyholders can get cashless healthcare services at any hospital in India, including Rajasthan.

With this feature, you do not have to worry about upfront payments. This ensures seamless treatment in emergencies or for planned procedures.

Residents of cities like Jaipur, Jodhpur and Udaipur can access top hospitals through Reliance’s network. This ensures peace of mind during medical emergencies.

Use Reliance’s hospital locator to find nearby facilities.

Wellness and Prevention Tips in R​ajasthan

• Stay Hydrated: Rajasthan has extreme heat, so drink plenty of water to avoid dehydration, especially during the summer months.
• Wear Protective Gear: Use sunscreen, sunglasses and wide-brimmed hats to protect yourself from the harsh sun and prevent heatstroke.
• Eat Seasonal Fruits:Include hydrating fruits like watermelon, cucumber and muskmelon to stay cool and boost immunity.
• Prevent Mosquito Breeding:During the monsoon season, use mosquito nets and repellents to prevent vector-borne diseases like malaria and dengue.
• Air Quality Precautions: Wear masks to avoid respiratory problems on days with high dust levels, especially in desert areas.

Also Read: ​Fight Pollution, Breathe Solution

Frequently Asked Questi​ons

• Do you offer health insurance in Rajasthan for NRIs?

Yes, Reliance General Insurance provides health insurance options for NRIs in Rajasthan. NRIs can also choose the Reliance Health Global plan, which offers international coverage for planned hospitalisations abroad. This ensures that NRIs are well-covered both in India and internationally.

• Why should I buy medical insurance at a young age?

Purchasing Rajasthan medical insurance plans at a young age comes with several benefits. Premiums are lower compared to buying at an older age, as the risk of developing health conditions increases with age.

Early buyers are also eligible for no-claim bonuses, which can increase coverage without additional costs. Additionally, securing coverage early protects you against unforeseen medical emergencies before any conditions arise.

• Does Reliance health insurance in Rajasthan cover COVID-19?

Yes, Reliance’s health insurance policies in Rajasthan cover COVID-19 treatment. Reliance also offers specific COVID-19 policies like the Corona Kavach Policy and Corona Rakshak Policy, which provide higher sum insured or lump-sum payments based on your selected plan.

Please refer to your policy documents for detailed coverage terms.

• How can I calculate health insurance quotes in Rajasthan?

You can easily calculate health insurance premium quotes by visiting the Reliance General Insurance website.

By inputting your age, sum insured and coverage type (individual, family, etc.), you will receive an instant quote. Reliance’s health insurance premium calculator helps you select the best plan based on your needs and budget.

• What is the difference between health insurance and mediclaim?

  Health insurance provides broader coverage than mediclaim. While mediclaim covers basic hospitalisation for accidents or illnesses, health insurance includes pre- and post-hospitalisation, critical illness cover and daycare treatments.

  Health insurance is suitable for those seeking comprehensive coverage, while mediclaim is better for minimal, short-term protection.