Visit us:
IndusInd General Insurance, 6th Floor, Commerz I, Oberoi Garden City, International Business Park, off Western Express Highway, Yashodham, Goregaon, Mumbai, Maharashtra 400063
Become an Agent
Wish to become an agent with IndusInd General Insurance
10 Lakh health insurance starting at just ₹545/month
-
Up to 40% discount
-
24x7 customer support
-
10,000+ network hospitals
10 Lakh Health Insurance
A 10 lakh health insurance plan gives you great coverage for big medical bills, surgeries and hospital stays, which keeps your family financially safe during health emergencies. For example, heart surgery costs in India range between ₹2.5 lakh and ₹4 lakh, which shows why good coverage becomes necessary for such procedures.
Emergency medical situations do not give you time to arrange funds, making comprehensive coverage absolutely necessary. With 10 lakh coverage, you get proper treatment without worrying about high costs hurting your family's finances.
IndusInd General Insurance’s (formerly Reliance General Insurance) 10 lakh health insurance plans solve these problems with smart features designed specifically for Indian families. Our policies offer restore benefits that refill your coverage after you use it, so you stay protected all year long, even after making claims.
Plus, you get no room rent limits, which means you can choose any hospital room without paying extra money during treatment periods.
Why Buy a 10 Lakh Health Insurance Plan?
Covers Major Medical Emergencies
Healthcare costs are rising fast, with hospitalisation expenses increasing by 11.35% annually and average health claims reaching ₹70,558. This coverage handles serious medical emergencies like accidents, surgeries and sudden illness.
Protection Against Critical Illness Costs
Critical illnesses like heart disease, cancer and stroke need expensive treatment costing lakhs. If you have a 10 lakh health insurance plan, you get the care you need for life-threatening illnesses without having to spend all of your funds.
Adequate Coverage for Family Healthcare
With medical costs rising every year, families need higher coverage. This plan covers multiple family members under one policy, protecting parents, spouses and children from expensive healthcare and unexpected medical emergencies.
Financial Security During a Health Crisis
Medical emergencies create huge financial stress when treatment costs exceed your savings capacity. Higher coverage handles hospital, surgery and treatment expenses, letting you focus on recovery instead of arranging money.
Choosing the right health insurance company matters when your family’s health and financial security are at stake. IndusInd 10 lakh health insurance plans offer unique benefits and superior features that make us the smart choice for Indian families today.
AYUSH & Modern Surgery
100% SI coverage for both.
Up to 40% Discount
More protection at lower costs.
Unlimited SI Restoration
Unlimited comprehensive coverage.
20+ Add-On Covers
Choose coverage as per needs.
Types of IndusInd 10 Lakh Health Insurance Policies
Health Infinity Plan
It provides complete coverage, including hospital stays, doctor visits, medical tests and unlimited restore benefits. It has no room rent limit and covers rehabilitation with inflation protection. It offers a high no-claim bonus for families seeking extensive coverage. This 10 lakh health insurance plan works best for those who want complete healthcare protection, including outpatient treatments and advanced medical facilities.
Explore Plan
Health Gain Plan
It is a flexible 10 lakh health insurance plan that you can build according to your needs. It covers hospital stays and daycare treatments without any room rent limits. The plan offers restore benefits that help refill your coverage after use. This works perfectly for growing families and working professionals who want customised protection. You get online discounts and can add extra benefits based on what your family requires most.
Explore Plan
Hospi-Care Plan
Hospi Care works differently by paying you fixed cash amounts instead of covering actual hospital bills. You get lump sum payments for specific surgeries, ICU stays or critical illness. This plan suits people who already have basic health insurance but need extra money during medical emergencies. It helps cover indirect expenses and income loss during hospitalisation effectively with its 10 lakh health insurance coverage.
Super Top-Up Plan
Super Top-Up acts as backup insurance starting after your main health policy gets exhausted. It provides high coverage amounts at low premiums, but requires crossing a deductible limit first. Once you exceed, the plan pays for your medical expenses. This option suits everyone wanting extra protection beyond basic coverage, especially salaried individuals and large families seeking enhanced 10 lakh health insurance protection.
Arogya Sanjeevani Policy
Arogya Sanjeevani is a simple government-approved plan that covers basic medical needs at affordable rates. It includes hospital treatment, traditional medicines, cataract surgery and daycare procedures with fixed room rent limits. This straightforward 10 lakh health insurance coverage works well for people who want essential health protection without dealing with complicated terms or paying high premiums.
What is Covered?
Day 1 Coverage: You're fully covered from the first day of policy commencement for claims due to medical emergencies and accident-related claims.
Hospitalisation & Inpatient Care: Covers expenses like room rent, ICU charges, doctor’s fees, surgery, tests and medicines when hospitalised.
Modern Treatments: Advanced procedures like stem cell therapy, robotic surgeries and chemotherapy are covered.
AYUSH Treatments: Includes coverage for Ayurveda, Yoga, Unani, Siddha and Homoeopathy up to the policy's SI limit.
Pre- and Post-Hospitalisation: Covers related medical expenses for 90 days before and 180 days after hospitalisation.
Day Care Procedures: Covers treatments that don’t need 24-hour hospitalisation (e.g., chemotherapy, dialysis, minor surgeries like cataract).
Domiciliary Hospitalisation: Covers treatment at home when hospitalisation isn’t possible and suggested by the doctor.
Emergency Ambulance: Covers the emergency ambulance costs per hospitalisation to transport you to the nearest hospital.
Transportation Benefit: Covers transportation costs as per policy limits for transporting to and from the hospital.
Organ Donor Expenses: Covers surgery and hospitalisation costs for organ transplants up to the sum insured.
What is Not Covered?
Cosmetic & Elective Surgeries: We will cover cosmetic surgery and other elective surgeries, such as dental and vision care, if they're medically necessary due to an illness or injury.
Pregnancy & Infertility: Maternity costs can be covered with the help of add-ons such as the Maternity Cover.
Unprescribed Medicines: All your prescriptions are covered, but medicines bought without a doctor’s prescription aren’t reimbursed.
Unregistered Hospitals: We cover all authorised hospitals in India, but they need to be legally registered.
Experimental Treatments: We cover all treatments except those not approved by the IRDAI or WHO.
Illegal Activities, Self-Harm & Substance Abuse: We cover all treatments for accidental injuries except ones obtained due to participating in illegal activities, substance abuse, and self-harm.
War or Acts of Terrorism: You get day 1 coverage for medical emergencies; however, illness and injuries due to war, riots or terror attacks are excluded.
Waiting-Period-Based Exclusions: 30-day wait for illnesses (except accidents), 24 months for specific diseases, 36 months for pre-existing conditions, 12–24 months for maternity. Waiting periods can be reduced with add-ons.
Disclaimer: The list of inclusions and exclusions varies depending on the type of plan you choose. Read your policy documents carefully here.
Get top-tier protection and lifelong cover
Call us today to get ₹10 lakh protection
Who Should Consider Buying 10 Lakh Insurance?
Young Working Professionals (25-35 years)
If you have just started your career and earn between 5-15 lakhs per year, this insurance is perfect for you because you can get lower premiums while you're still healthy. Since your parents might depend on you for medical support, having a 10 lakh cover becomes essential to protect your growing savings. This amount easily handles most treatments in good hospitals, which means you can focus on building your successful career without worrying about unexpected medical bills.
Small Business Owners and Self-Employed People
When you run your own business, you don't get health insurance through your job. This means you need to obtain your own insurance, especially if your monthly income fluctuates significantly. This policy becomes your financial safety net during tough business periods because you won't need to dip into your business funds for medical emergencies. This coverage protects both your family while removing the common fear that stops self-employed people from seeking timely treatment.
Nuclear Families with School-Going Children
If you have 1-2 kids and live in a city, 10 lakh coverage works perfectly because children often fall sick and need immediate attention. This amount ensures you can access the best treatment without thinking twice about costs. Your family receives quality healthcare while your savings account remains protected, giving you complete confidence that your children's health needs are fully covered.
Senior Citizens Planning Their Healthcare
If you're above 60 and want to maintain your independence, this insurance becomes crucial because health problems become more common and treatments cost significantly more at this age. Since your kids may live in different cities and can't always help right away, a 10 lakh cover is enough to cover most age-related problems, like heart problems or joint replacements. This gives you the freedom to choose your preferred treatment and hospital without depending on others for money.
Up to 40% Discount
Quick Cashless Claims via IndusInd Insurance App
10,000+ Network Hospitals
Claim Process for ₹10 Lakh Health Insurance
Step 1
Start your claim using the IndusInd General Insurance App mobile application.
Step 2
Alternatively, contact us at (+91-224890-3009) or through email.
Step 3
Go to any network hospital and provide documents to ICare.
Step 4
The hospital's TPA counter will forward your treatment costs to us.
Step 5
Our experts will coordinate with TPA to clear your hospital bills directly.
Step 1
If cashless gets rejected, make an upfront payment and file for reimbursement.
Step 2
Gather all invoices, receipts and test reports from your hospital.
Step 3
File your claim through the app, website, email or phone call.
Step 4
Complete the claim application and provide the necessary documents.
Step 5
We will assess and refund you according to policy guidelines.
Key Takeaways
Health insurance has become a necessity in today's India, as medical costs continue to rise at an alarming rate. Healthcare costs in India are increasing rapidly, with expenses expected to rise by 13% in 2025, making adequate coverage necessary for protecting your financial future during medical emergencies. An unexpected medical emergency might bankrupt your household without health insurance. IndusInd General Insurance (formerly Reliance General Insurance) understands these challenges and offers comprehensive 10 lakh health insurance plans designed specifically for Indian families like yours.
Our health insurance plans come with exceptional benefits that truly set us apart from other insurance companies in the market today. The unlimited restore benefit automatically refills your entire 10 lakh coverage amount whenever you exhaust it during the policy year. We don't impose any room rent limits, giving you complete freedom to choose any hospital room without paying extra money.
Whether you're a young professional starting your career, a small business owner managing fluctuating income or a growing family with children, our flexible plans adapt to your specific needs. With cashless treatment available at over 10,000 network hospitals* across India, you do not need to worry about arranging funds during medical emergencies. Also, purchasing and claim filing instantly with IndusInd Insurance app app and you can save up to 40% on premium costs, making quality healthcare protection affordable for every Indian family.
IndusInd General Insurance
Aapke Protection ka All-rounder
₹10 Lakh health insurance starting at just ₹545 per month*!
A Crore-Level Promise for Your Health!
Get ₹1 Crore protection against any and all medical emergencies! Our policies are designed with today's healthcare needs in mind to ensure you and your family stay secure.
Ritik
Noida
5
Value for money
Srivathsav Parthasarathi
West Midnapore
4.5
Seamless digital experience
Sateesh Kumarkuchipudi
West Godavari
5
Quick policy issuance
Vanga Naveen
West Godavari
5
Quick policy issuance
Sirraatchuta Ram Babua
West Godavari
5
Quick policy issuance
Manoj Kumarmogha
New Delhi
5
Quick policy issuance
Vasantha
Wayanad
4
Value for money
Jasmin K
Wayanad
4
Seamless digital experience
Nazeer Salma Abdulla
Wayanad
5
Quick policy issuance
Sripal Reddymadhi Reddy
Warangal
5
Quick policy issuance
Veeraiah Kamatam
Wanaparthy
5
Quick policy issuance
Sivaganesh Madamsetti
Visakhapatnam
5
Quick policy issuance
Sudha Ranimadabattula
Visakhapatnam
5
Quick policy issuance
Yerususatya Prasad
Visakhapatnam
5
Quick policy issuance
Karu Rama Rao
Visakhapatnam
5
Quick policy issuance
Ravi Teja Anem
Visakhapatnam
5
Quick policy issuance
Bhimabattula Aruna Devi
Visakhapatnam
5
Quick policy issuance
Kantimahanti Balakrishna
Visakhapatnam
5
Quick policy issuance
Prasad Rao Rayavarapu
Visakhapatnam
5
Quick policy issuance
Ramachandran
Villupuram
5
Quick policy issuance
Sanjit Kumar Tiwari
Vaishali
4
Seamless digital experience
Vishanth K
Uttara Kannada
5
Quick policy issuance
Akk Amma Anand Kumarsiddanavar
Uttara Kannada
5
Quick policy issuance
N Amitha Ramesh
Tumakuru
5
Quick policy issuance
Ramakrishna Prasadvadala Setty
Trimulgherry
5
Quick policy issuance
Prasanna Lakshmi Kuruganti
Trimulgherry
5
Quick policy issuance
Indumathi Indumathi
Tiruvannamalai
5
Quick policy issuance
Pandurangdah M
Tiruvallur
5
Quick policy issuance
C Jaikanth
Tiruvallur
5
Quick policy issuance
Ramesh L
Tiruvallur
5
Quick policy issuance
Nirmala Chell Appa
Tirunelveli
5
Quick policy issuance
Ganesan Aarathi
Tiruchirappalli
5
Quick policy issuance
Saji Chandran
Thrissur
5
Quick policy issuance
Grace Mathew
Thrissur
4.5
Seamless digital experience
Anoop T M
Thrissur
5
Quick policy issuance
Kencysam Sr Kency Samsr
Thiruvananthapuram
5
Quick policy issuance
Wafa Mol R N
Thiruvananthapuram
5
Quick policy issuance
Vinoth R
Thanjavur
5
Quick policy issuance
Sampada Vijay Jagdale
Thane
5
Quick policy issuance
Geetanjali Ganpat Namaye
Thane
5
Quick policy issuance
Bibinagar Sureshchary
Telangana
5
Quick policy issuance
Pawan Kumar
Tarn Taran
5
Quick policy issuance
Modugusatish Reddy
Suryapet
5
Quick policy issuance
Kanakai Ahgudipati
Suryapet
5
Quick policy issuance
Hiralsagar Bhaisardhara
Surat
5
Quick policy issuance
Amit Bhaidurlabh Bhai Rajpara
Surat
5
Quick policy issuance
Ankur Kotnala
Surat
5
Quick policy issuance
Anil Kumar Ram Sringarsaroj
Sultanpur
5
Quick policy issuance
Marxia Tamil Selvan
Sivaganga
5
Quick policy issuance
Prasad Nangunoori
Siddipet
5
Quick policy issuance
Relevant Links for Health Insurance
Health Insurance for Top Locations
Download our IndusInd General Insurance App now!