15 Lakh Health Insurance

Name: 15 Lakh Health Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

family health insurance 15 lakh coverage

A ₹15 lakh health insurance plan is a perfect choice for families and individuals who prefer private hospital treatment and want protection against sudden medical bills. It is mainly useful for emergency hospitalisation, planned surgeries, accidents, ICU care, infections and costly treatments. As medical inflation is on the rise, a ₹15 lakh plan helps you avoid depleting your savings in the event of a sudden hospitalisation.

The healthcare costs can add up faster than you expect. For instance, even a short hospital stay includes consultation charges, room rent, medicines and tests. If there’s any major surgery, complication, or ICU stay, the bill can quickly go up to lakhs. That’s where having a ₹15 lakh insurance plan becomes practical. It is comprehensive enough to cover serious treatment costs while being affordable.

With the IndusInd Health Insurance plan, you get complete support through cashless treatment at network hospitals. This makes hospital admission smooth and reduces stress during emergencies. It also ensures you stay focused on recovery rather than worrying about arranging funds!

Why Buy ₹15 Lakh Health Insurance?

Expensive Treatments

Medical treatments are more expensive than ever. ICU care, hospital stays, and surgeries in private hospitals can cost lakhs. A ₹15 lakh insurance cover provides sufficient coverage for such expensive treatments.

Multiple Hospitalisations

One hospital visit is never enough; you need to go multiple times to receive proper treatment. First, there’s the main treatment, then repeat tests, follow-ups and readmission as well. A small health cover can get exhausted quickly. But the ₹15 lakh plan offers enough coverage. So you don’t have to pay a huge amount from your pocket.

Cashless Treatments

Cashless health insurance plans play a significant role in today’s digital world. The ₹15 lakh health insurance plan provides cashless treatment at empanelled hospitals across India. You do not need to pay up front; the insurer settles the bills directly with the hospitals.

Maximise Tax Savings

You can maximise your tax savings if you buy a ₹15 lakh plan. As per Section 80D of the Income Tax Act, you can save up to ₹1 lakh yearly on your premium payments. This amount also includes the preventive health checkup costs up to ₹5000 paid within the year.

Why Choose

Why Choose Our ₹15 Lakh Health Insurance?

Our ₹15 lakh health insurance plan is crafted to safeguard you against rising medical costs without compromising on quality. It provides high coverage for hospitalisation, cashless treatment and other medical support.

Amount Insurance

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 ₹15 Lakh Health Insurance Policies

Health Infinity Insurance

IndusInd health infinity plan is a comprehensive plan that provides high coverage with benefits such as built-in OPD support* and unlimited restore. It covers hospitalisation, day care treatments, diagnostics and preventive care in India. This plan is perfect for corporate professionals and urban families looking for more protection and support.

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Health Gain Insurance

IndusInd Health Gain is a family-focused plan offering flexible coverage options, with three variants: Plus, Power and Prime. It offers a sum insured of ₹3 lakh to ₹1 crore, unlimited restoration of the sum insured, and covers up to 12 members. It is best for working professionals and families who want affordable yet flexible health insurance.

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Health Global Insurance

Perfect for people wanting to get planned treatments overseas and health insurance coverage in India (optional). You get a sum insured of up to USD 1 million for overseas treatments and unlimited SI for treatments in India. So, if you're getting treatment in the USA and need surgery in Chennai, this policy has you covered in India and abroad.

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Super Top-Up Insurance

IndusInd health super top-up plan is a backup insurance plan that works well with your existing policy. It starts once your basic coverage is used up; it pays for further healthcare bills. It is mostly useful for people who want higher protection at a low cost and want backup support during medical emergencies.

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Inclusions & Exclusions

Inclusions and Exclusions of ₹15 Lakh Health Insurance

Amount Insurance

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.

Amount Insurance

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.

Secure your ₹15 lakh health insurance coverage!

Get in touch with us now.

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How to Buy

How to Buy and Renew ₹15 Lakh Health Insurance?

Amount Insurance

Buy Online

Fill in the form with your basic details. Use the calculator below for an instant quote.

Enter your DOB, gender, PIN and the number of family members you want to insure.

Choose your preferred policy duration, sum insured, and add-on that you require.

Then, fill in your PAN card details and complete the KYC verification process.

Finally, pay the ₹15 lakh health insurance premium and get your insurance policy.

Amount Insurance

Renew Online

Go to the form and choose the ‘Renewals’ tab or InstaRenew on IndusInd Insurance app.

Fill in the necessary details, such as your mobile number and policy number.

Tap on the ‘Send OTP ’option to verify the details and proceed with policy renewal.

Then, review your insurance policy and make necessary changes, if needed.

Finally, check the revised premium and pay online to renew your policy instantly.

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Who Should Consider Buying ₹15 Lakh Health Insurance?

Growing Families

Families with children have more healthcare needs. From routine checkups to unexpected hospitalisation, expenses can arise at any time. The lower sum insured plans get exhausted quickly when multiple members are covered under one policy. A ₹15 lakh health insurance plan helps families manage their medical needs more conveniently while reducing their reliance on savings for emergency or planned treatments.

Urban Working Professionals

Urban professionals generally rely on private hospitals for quick access and high-quality treatment. Treatment in private hospitals is very expensive, and even with proper planning, costs can’t be controlled. A ₹15 lakh health insurance plan suits this group by providing cashless treatment, higher coverage and protection against increasing medical expenses.

Individuals In their Mid-Life

As people age and reach their early 40 and beyond, their healthcare needs become more frequent. Routine and ongoing treatments, diagnostic costs and other related procedures can gradually increase with time. With rising healthcare costs, choosing a higher sum insured is always a good idea. A ₹15 lakh health insurance plan supports long-term planning by providing broader coverage before medical needs become more complex.

Self-Employed Individuals

Small business owners and self-employed individuals generally do not have employer-provided health insurance, so they need to buy their own coverage. High medical expenses can significantly affect both their income and their health. A ₹15 lakh health insurance plan helps them manage medical costs without using loans or business savings.

Claim Process for ₹15 Lakh Health Insurance

Step 1

Get your claim registered through the IndusInd Insurance App. You can also get in touch with us at (+91-224890-3009) or send an email.

Step 2

Then, to find your nearest hospital, use the cashless network hospital locator widget below.

Step 3

Go to any authorised hospital and submit your documents to ICare.

Step 4

The TPA desk of the hospital will send us your medical expenses.

Step 5

We will work with the TPA team to settle your bills directly.

Step 1

If your cashless claim gets denied, pay upfront and then claim later.

Step 2

Collect all the necessary bills, reports and receipts from the hospital.

Step 3

Get your claim registered via the website, app, email or by calling us.

Step 4

Then, fill out your claim form and submit the necessary documents.

Step 5

We will then review and reimburse you as per the terms of the policy.

Key Takeaways

Having a ₹15 lakh health insurance plan is increasingly essential, as medical costs in India are rising. ICU care, surgery, prolonged hospitalisation, and other treatments can easily cross several lakhs. The lower coverage plans generally exhaust quickly, forcing individuals to pay out of their savings or even borrow. Selecting a higher sum insured plan, such as a ₹15 lakh health insurance plan, offers strong financial protection against unforeseen medical events. Also, this reduces the risk of unnecessary financial stress during such an emergency.

The IndusInd ₹15 lakh health insurance plan (formerly known as the Reliance ₹15 lakh health insurance plan) is designed to support you when healthcare expenses are too much to handle. One of the biggest advantages of the insurance plan is cashless treatment at a wide network of 10,000+ hospitals. The bills get settled directly with your hospital, reducing the stress for you and your family.

Another significant benefit of the insurance plan is the automatic sum insured recharge feature. If your ₹15 lakh health insurance cover is used during the year, the plan restores the sum insured for future hospitalisations. This keeps you protected in the event of multiple medical emergencies. The plan also covers pre and post-hospitalisation expenses including tests, medicines, doctor visits, follow-up care, and more.

So why wait? Get your ₹15 lakh health insurance policy right now!

Author - Amount Health Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

₹15 lakh health insurance starting at just ₹545 per month*!

Maximum Care, Sensible Premiums

Medical emergencies can be unpredictable. A ₹15 lakh health cover ensures you’re financially prepared when it matters most.

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

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Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

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Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

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Thrissur

Quick policy issuance

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Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

What do you mean by family floater under this plan?

A family floater allows you to cover multiple family members under one ₹15 lakh health insurance plan. You do not need to take separate individual policies for the same. The premiums vary based on the number of members and age.

What is the waiting period for claims?

Most of the plans offer an initial waiting period, generally 30 days, except for accidents. The pre-existing conditions usually have a multi-year waiting period before the coverage applies.

Are annual checkups included in the ₹15 lakh health insurance plan?

No, the basic ₹15 lakh health insurance plan does not have an annual checkup benefit. However, you can opt for certain add-on riders that provide preventive care benefits.

Are pre-existing diseases covered under this plan?

Yes, the pre-existing diseases are covered under this plan after a specified waiting period, as per the policy terms. That means you stay protected against chronic health conditions once the waiting period is over.