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₹20 lakh health insurance starting at just ₹545/month*
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Up to 40% discount
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24*7 customer support
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10,000+ network hospitals
20 Lakh Health Insurance
If you are someone looking for comprehensive protection against expensive medical treatments, then a 20 lakh health insurance plan is for you! It is mainly useful for ICU stays, major surgeries, repeated hospitalisations in a year and extended treatments for conditions such as infections, heart issues and other complications. The plan provides sufficient financial resources to address serious health issues without depleting savings.
For instance, a surgery at a private hospital can cost around ₹4-8 lakhs, and an ICU stay costs ₹15,000-20,000 per day. If the treatment extends or involves multiple procedures, the cost can easily exceed ₹10-15 lakh. A ₹20 lakh health insurance plan easily covers these expenses without emptying your pockets.
IndusInd’s ₹20 lakh health insurance plan (formerly known as Reliance ₹20 lakh health insurance) is designed to cover such medical needs. It provides cashless treatment* at network hospitals, reducing the need for upfront payments. The plan also offers restored sum insured benefit*, which means you get uninterrupted coverage if your base limit is exhausted. Overall, this plan is a reliable choice for complete medical protection.
Why Buy a ₹20 Lakh Health Insurance Plan?
Comprehensive Coverage
From day care procedures to in-patient hospitalisation, ambulance costs, organ donor expenses, pre- and post-hospitalisation and even home treatments, this policy has your back in every situation.
Restore Sum Insured Benefit
If your sum insured gets used in between your policy years, then the restore benefit comes to your rescue. It automatically refills your coverage. This way, you get uninterrupted protection without buying a new policy.
Tax Advantages
You can claim tax deductions on the annual premium paid for health insurance under Section 80D of the Income Tax Act. It is overall a good financial move that offers both protection and savings.
Cashless Hospitalisation
A ₹20 lakh health insurance plan provides you access to cashless hospitalisation benefits at authorised hospitals across India. The medical bills get settled directly with the hospital, so you do not need to worry about paying large sums of money at once.
Our health insurance plan safeguards you against increasing medical costs. It covers various treatments and healthcare services, so that you can have access to quality care at times of need.
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 ₹20 Lakh Health Insurance Policies
Health Infinity Insurance
This plan is designed for people who want high coverage and peace of mind. It offers unlimited restoration of coverage with sum insured options going up to ₹1 crore. This ensures continuous protection even after multiple claims in a year. Moreover, this plan also supports modern and advanced treatments. It is ideal for families and individuals seeking uninterrupted coverage without stressing about exhausting their health insurance.
Health Gain Policy
This comprehensive health insurance plan is well-suited for both families and individuals. It covers surgeries, hospitalisation and various medical treatments with sum insured options ranging from ₹3 lakh to ₹1 crore. You can customise this plan through various add-ons such as personal accident and critical illness cover. The key benefits offered under this plan are loyalty rewards, sum insured for unrelated illnesses, and wellness discounts. Overall, it is a flexible plan for managing different medical needs.
Health Global Policy
The Health Global plan provides overseas medical coverage for planned treatments up to USD 1 million* (approx ₹87 million*). You’re also covered for accommodation and visa costs. The plan can be modified to cover medical treatments in India when you choose the Global + India plan option, and it offers unlimited SI* for those treatments. So, if you're getting treatment in Dubai and need surgery in Delhi, this plan covers you in India and abroad, without having to buy separate plans.
Health Super Top-up
This plan works like a financial backup to your existing insurance policy. The super top-up plan gets activated once your annual medical expenses cross the chosen deductible. After that, it covers eligible claims for the rest of the policy year, up to a sum insured of ₹1.3 crore. The plan is mostly suitable for families with older parents or pre-existing conditions.
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.
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Call us right now to buy ₹20 lakh protection
Who Should Consider Buying ₹20 Lakh Health Insurance?
People Living In Metro Cities
Healthcare costs in metro cities are very high due to the availability of advanced diagnostics, specialised care, and high-quality treatment. Even general checkups can be very expensive, and major treatments can be very costly. That’s where the 20 lakh health insurance plan comes in. It offers high coverage, modern treatments, ICU care and other medical expenses. This reduces the financial burden on the individuals seeking healthcare services.
People in High-Risk Jobs
People working in high-risk jobs such as construction, manufacturing, field operations or frequent travel roles are at high risk of getting injured. A ₹20 lakh health insurance plan offers financial security by covering emergency care, costly hospitalisation and extended treatments. This way, they can focus more on recovery rather than worrying about medical bills.
Families With Dependents
Large families with dependents generally have recurring medical needs. When multiple members are covered in one policy, medical expenses can increase quickly. A ₹20 lakh health insurance plan offers greater financial coverage, ensuring top-quality treatment for the whole family without exhausting savings. Moreover, it helps families manage emergency medical situations while keeping long-term goals secure.
Middle-Aged Individuals
Healthcare needs become more frequent as people enter their late 30s and 40s. The expenses on regular medical checkups, potential treatments and diagnostic tests increase over time. A ₹20 lakh health insurance plan offers strong protection during this stage of life by covering all medical expenses. Also, purchasing higher coverage options at this stage helps in managing future health risks without financial stress.
Up to 40% Discount*
Quick Cashless Claims via IndusInd app
10,000+ Network Hospitals*
Claim Process for ₹20 Lakh Health Insurance
Step 1
Begin your claim process through the IndusInd Insurance app. You can also contact us via email or at +91 224890 3009.
Step 2
Go to the cashless hospital locator below to search for a nearby network hospital.
Step 3
Visit any authorised hospital and submit the necessary documents to the ICare desk.
Step 4
The TPA desk of the hospital will share the medical bills and details with us.
Step 5
We coordinate with TPA to settle the bills directly. So you do not need to pay up front.
Step 1
In case cashless treatment is not available at the hospital, then pay bills first and claim later.
Step 2
Collect all the bills, prescriptions and diagnostic reports from the hospital.
Step 3
Get your claim registered through the app, email, website or by calling us.
Step 4
Fill the claim form, then upload and submit the necessary documents.
Step 5
After reviewing, we reimburse the approved amount as per the terms of your policy.
Key Takeaways
In a nutshell, a ₹20 lakh health insurance policy offers a substantial level of coverage, ensuring that you and your family are well protected against the financial burden of medical emergencies. With a ₹20 lakh sum insured, you can confidently tackle most treatments and hospitalisations without worrying about costs depleting your savings or compromising your financial objectives.
IndusInd’s ₹20 lakh health insurance plan is designed to meet those real-world requirements. One significant advantage is its full hospitalisation coverage. It includes day care procedures, inpatient treatment, pre- and post-hospitalisation expenses and ambulance costs. This ensures that medical expenses are covered not just during hospital stays, but through the entire journey.
Another important USP is the restore sum benefit. It helps replenish coverage if the base sum insured is exhausted. This is mainly important in cases of prolonged treatments or multiple hospitalisations. In addition, it offers cashless treatment across a wide hospital network. This reduces the need for upfront payments during emergencies.
All these features come together to make the ₹20 lakh health insurance plan a reliable choice for individuals and families seeking uninterrupted medical coverage.
IndusInd General Insurance
Aapke Protection ka All-rounder
₹20 lakh health insurance starting at just ₹545 per month*!
Serious Coverage for Serious Times
Your health deserves coverage that’s built for today’s realities. ₹20 lakhs of insurance ensures you’re prepared for modern medical costs.
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