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₹5 Lakh Health Insurance Starting at Just ₹545/Month*
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Up to 40% discount*
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24x7 customer support
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100% bills covered
₹5 Lakh Health Insurance
The ₹5 lakh health insurance plan offers a total sum insured of ₹5 lakh, helping cover common hospitalisation expenses, day care treatments and non-invasive surgeries. It is suitable for individuals and small families looking for a balanced plan that is both cost-effective and protects against sudden medical costs in India.
With this coverage, you can take care of short-term hospital stays, minor or some mid-range surgeries and expenses for recovery after treatment without financial stress. For example, a knee ligament surgery in a private hospital can cost anywhere between ₹2 to ₹4 lakh, depending on the city and hospital. A ₹5 lakh health insurance plan not only covers the surgery itself but also takes care of related expenses like room rent, medicines, diagnostics, and follow-up visits, ensuring you don’t have to dip into your savings during recovery.
With IndusInd General Insurance’s ₹5 Lakh Health Insurance plan, you get more than just basic coverage. The plan comes with features like cashless hospitalisation at 11,000+ network hospitals and pre- and post-hospitalisation coveragte, giving you comprehensive financial protection when it matters most. It’s a smart choice for those who want dependable coverage without overpaying for higher slabs they may not fully utilise.
Why Buy a ₹5 Lakh Health Insurance Plan?
Wide-Ranging Coverage
Our ₹5 lakh health insurance plans offer extensive coverage for unexpected medical expenses for a range of treatments. These include domiciliary hospitalisation, organ donation, in-patient care, daycare procedures, AYUSH treatment, etc.
Pocket-Friendly Premiums
Low premiums on ₹5 lakh medical insurance benefit you to enjoy financial protection without compromising your savings. The premiums of our plans start as low as ₹545 per month*.
Ideal for Young Individuals and Small Families
A ₹5 lakh cover offers the right balance of affordability and protection, making it perfect for individuals or nuclear families beginning their health insurance journey. It helps manage medical costs effectively without over-insuring.
Covers Major Medical Expenses in Tier 2 & 3 Cities
For those living in smaller cities, a ₹5 lakh sum insured often covers most hospitalisation and treatment costs comfortably, ensuring strong financial protection against common medical emergencies.
IndusInd General Insurance (previously known as Reliance General Insurance) offers a variety of plans with SI ranging from ₹3 lakh to ₹5 Crore. Our comprehensive plans provide coverage against rising medical costs and ensure receive the necessary medical attention.
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 ₹5 Lakh Health Insurance
Health Infinity Insurance
A comprehensive health insurance plan with wide-ranging benefits, including no room rent restrictions, OPD consultations, and wellness features. It covers pre- and post-hospitalisation, daycare procedures, ambulance costs, and more. With sum insured options from ₹5 lakh to ₹5 crore*, it offers high flexibility and 24/7 cashless access at hospitals across India and abroad.
Health Gain Policy
This flexible plan comes in three variants—Plus, Power and Prime, allowing you to choose the right level of coverage. With a sum insured range of ₹3 lakh to ₹1 crore*, it includes unlimited sum restoration, no room rent limits, and extended pre- and post-hospitalisation coverage of 90 and 180 days*. Daycare procedures, air ambulance and other features make it a robust option for family or individual needs.
Health Global Policy
Designed for those seeking international medical coverage, this plan offers up to USD 1 Million* for treatments abroad and ₹50 lakh to unlimited SI* for treatments in India (optional). It also includes added benefits like visa fee reimbursement and accommodation support, making it ideal for planned overseas treatments and global mobility.
Health Super Top-up
Boost your existing health insurance with this super top-up plan, offering additional cover between ₹5 lakh and ₹1.3 crore*. It includes inpatient, outpatient and daycare treatments globally. Added features like no-claim bonuses, preventive health check-ups and maternity benefits enhance protection without increasing base policy costs.
Saral Suraksha Bima
This is a simple personal accident plan offering financial protection against accidental death or permanent disablement. You can choose sums insured from ₹2.5 lakh to ₹1 crore*. It may include add‑ons like temporary disablement cover, accident hospitalisation benefits, and education grants for dependents. Tailored for those seeking straightforward, high‑value accident cover.
Arogya Sanjeevani Policy
On diagnosis of specified major illnesses - such as cancer, heart attack, kidney failure - this plan pays a lump sum benefit. It helps you manage treatment costs, recovery expenses, and income loss. The insured list and definitions are set in the policy.
Hospi‑Care Insurance
This is a fixed benefit hospital cash plan. It pays a lump sum per day of hospitalisation due to illness or injury - regardless of actual bills. It generally covers ICU stays and surgeries. Designed to cushion non‑medical expenses like travel, meals, and incidental costs.
Critical Illness Policy
On diagnosis of specified major illnesses - such as cancer, heart attack, kidney failure - this plan pays a lump sum benefit. It helps you manage treatment costs, recovery expenses, and income loss. The insured list and definitions are set in the policy.
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 ₹5 lakh protection
Who Should Buy ₹5 Lakh Health Insurance?
Young Professionals in Tier 2 & Tier 3 Cities
For salaried individuals or freelancers in smaller cities, ₹5 lakh offers sufficient coverage for common surgeries and short hospital stays, without demanding high premiums. Medical treatments in non-metros typically cost less than in metro cities, making this sum insured both practical and affordable. It helps manage sudden hospital expenses due to dengue, fractures or appendicitis, without disrupting monthly budgets or loan EMIs.
Nuclear Families with a Modest Budget
₹5 lakh coverage works well for small families, especially where one parent is the primary earner. It offers balanced protection for children’s hospitalisations, maternity add-ons, and basic surgeries like hernia repair or gall bladder removal. If premiums for higher cover aren’t feasible right now, this plan offers a good starting point without skipping health security altogether. Over time, this can be supplemented with top-ups as income increases.
First-Time Health Insurance Buyers
This plan is ideal for those purchasing health insurance for the first time, especially students or entry-level employees. It provides decent protection for viral infections, injuries or minor surgeries, which are common among younger people. With low premiums and sufficient coverage for typical hospitalisation needs, it’s a risk-conscious way to enter the insurance ecosystem without overcommitting financially. Many buyers later upgrade based on life stage and income growth.
Elderly Parents Without Major Health Risks
If your parents are in their 60s but have no major illnesses or ongoing treatments, a ₹5 lakh plan can serve as a basic safeguard. It may cover general age-related hospitalisations like dehydration, minor surgeries or infections. Premiums are lower than higher sum insured plans, and it’s a suitable backup if they’re not covered under employer or group policies. You can also pair it with a super top-up for wider protection.
Up to 40% Discount
Quick Cashless Claims via IndusInd Insurance App
10,000+ Network Hospitals
Claim Process for ₹5 Lakh Health Insurance Plan
Step 1
Register your claim on the go with our IndusInd General Insurance App.
Step 2
You can also reach out to us via (+91-224890-3009) or send an email.
Step 3
Visit any authorised hospital and submit documents to ICare.
Step 4
The hospital's TPA desk will send us your medical expenses.
Step 5
Our team will work with the TPA team to settle your bills directly.
Step 1
File this claim after your treatment if your cashless claim gets rejected.
Step 2
Collect all the bills, receipts and diagnostic reports from the hospital.
Step 3
Register the claim via the app, website, email or by calling us.
Step 4
Fill out the claim form and submit the required documents.
Step 5
We will review and reimburse you as per the policy terms.
Key Takeaways
With rising cases of viral infections, hospital-acquired illnesses and minor surgeries like appendicitis or gall bladder removal becoming more common, a ₹5 lakh health insurance plan offers essential protection for individuals and small families. It also includes coverage for modern treatments, day care procedures, AYUSH therapies, and even home-based care, ensuring a well-rounded healthcare safety net.
Our ₹5 lakh health insurance plan offers a balance between cost and security, with premiums starting at around ₹545/month*. You also get tax benefits under Section 80D, and from 22 September 2025, individual health insurance premiums are exempt from GST (0%), meaning you no longer pay 18% extra tax on your policy.
Beyond just cost savings, IndusInd makes your healthcare journey smooth with cashless hospitalisation, quick claim processing through the IndusInd General Insurance app, and dedicated support whenever you need help. Whether it's a sudden hospital stay or routine treatment, we offer dependable protection when it matters most.
IndusInd General Insurance
Aapke Protection ka All-rounder
₹5 Lakh health insurance starting at just ₹545 per month*!
Affordable Coverage for Your Healthcare Needs
Get dependable coverage for you and your family with IndusInd General Insurance, offering a wide range of protection, designed to ensure 360° protection.
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