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RELIANCE GENERAL HEALTH INSURANCE

Reliance medical insurance provides comprehensive health covers for you and your family. It ensures you get the necessary financial support when you need it the most. Multiple policies and affordable plans address almost all of your healthcare expenses.

  • Cashless hospitalisation.
  • Lifelong renewability.
  • Incurred claim ratio of 106.54%.
  • Attractive discounts.
  • No-claim bonus benefit.
  • Tax benefitsunder 80D.

Reliance health policy from "Reliance General Insurance" serves millions across the country through its 4,000+ strong cashless hospital network and 24x7 claim assistance services.

 

Features & Advantages: Reliance MedicalInsurance

  • Coverage for you, your immediate and extended family members.
  • Also covers pre-existing diseases after 4 yearsof the waiting period.
  • Pre and post hospitalisation covers.
  • Cashless facility.
  • No sub-limits on room rent.
  • Option to reinstate the sum insured if it gets exhausted.
  • Reimbursement of health check-up expenses on successful completion of four claims-free years.
  • Specific discounts for a girl child and single women.
  • Flexible premium payment options.
  • Lifelong renewal means no financial burden and stress due to a medical emergency.
  • Quick and hassle-free claim settlement.

 

Reliance Health Insurance Plans & Policies

1] HealthGain Policy

  • Individual plan: In case of an illness, the total sum insured covers only one individual.
  • A family-floater plan covers multiple members of a family through a single premium every year- In case of multiple illnesses, the entire amount gets distributed amongst all the family members.
  • Covers pre and post-hospitalisation expenses (up to 60 days).
  • Inpatient treatments for covered illnesses and injuries, where the insured individual is hospitalised for more than 24 consecutive hours.
  • Daycare procedures/surgeries, where the insured needs less than 24 hours of hospitalisation due to advanced technology.
  • OPD charges, consultations andtests.
  • Donor expenses incurred by the organ donor. Up to 50% of the base sum insured is covered (subject to a maximum of 5 lakh rupees).
  • Base sum insured reinstatement: If the entire sum insured and cumulative bonus (if any) are exhausted, and you still require further hospitalisation for related or unrelated illnesses, the full sum insured is refilled at no extra cost.
  • 5% discount for independent women.

 

2] HealthGain Policy (Health Insurance on EMI)

  • Get the protection of "Reliance HealthGain Policy" in four easy instalments​.
  • Suitable for those who want a higher sum assured and cannot afford to pay the premium in one go.
  • Choose from a family floater mediclaim policy, individual health insurance, cashless health insurance and senior citizen health insurance.
  • Sum insured options- 3, 6 and 9 lakh rupees.
  • Covers pre and post-hospitalisation expenses (up to 60 days).
  • Inpatient treatments for covered illnesses and injuries, where the insured individual is hospitalised for more than 24 consecutive hours.
  • Daycare procedures/surgeries, where the insured needs less than 24 hours of hospitalisation due to advanced technology.
  • Donor expenses incurred by the organ donor. Up to 50% of the base sum insured is covered (subject to a maximum of 5 lakh rupees).
  • Base sum insured reinstatement: If the entire sum insured and cumulative bonus (if any) are exhausted, and you still require further hospitalisation for related or unrelated illnesses, the full sum insured is refilled at no extra cost.
  • Attractive discounts of up to 15%.

 

3] Personal Accident Insurance

  • Zero paperwork.
  • No medical tests and documentation required.
  • Worldwide coverage at a low premium.
  • Reimburses medical expenses and provides compensation in case of disability or death caused by accidents.
  • Get 100 % of the sum insured in case of accidental death of the insured, permanent total disablement, loss of two limbs/two eyes or one limb and one eye.
  • 50 % payment of the sum insured-loss of one limb or one eye.
  • A specific percentage of the sum insured is paid in case of permanent partial disability.
  • The policy can be extended to cover medical expenses by paying extra premium.
  • Ensures family security and acts as an education fund for children.
  • Avail 5% increase in the sum insured for every claim-free year (up to a maximum of 50%).

 

4] HealthWise Insurance Policy

  • Available with three options: Gold, Silver and Standard plans.
  • Covers pre-hospitalisation medical expenses (30 to 60 days) and post-hospitalisation expenses (60 to 90 days) [ depending on your plan].
  • Includes doctor fees, nursing expenses, OT charges and medicines.
  • Anaesthesia, oxygen administration expenses, surgical appliances, pacemaker and radiotherapy.
  • Also covers critical illnesses.
  • Daycare procedures/surgeries, where the insured needs less than 24 hours of hospitalisation due to advanced technology.
  • Donor expenses incurred by the organ donor in case of major transplant (available only with Gold and Silver Plans).
  • No sub-limit on room rent.
  • Complimentary benefits: Covers expenses on accompanying person, local road ambulance and daily hospitalisation-nursing allowance.
  • No-claim discount of up to 20%.
  • 7% discount for a girl child.

 

5] Critical Illness Policy

  • The policy addresses life-threatening and lifestyle-disabling diseases.
  • Covers 10 criticalillnesses​​.
  • Sum insured options:  5, 7 and 10 lakh rupees.
  • Re​ceive a lump-sum payout if you are diagnosed with any of the following critical illnesses or if you have to undergo the following surgeries: Cancer, major organ transplant, multiple sclerosis, third-degree burns, aorta graft surgery, heart valve replacement/repair, coma of specified severity​​, coma quadriplegia, total blindness and end-stage renal disease requiring regular dialysis.
  • No medical tests required up to the age of 45.

 

Some Exclusions of Reliance General Health Insurance

  • Claims for medical expenses that occur within 30 days of the policy start day are not covered (unless they occur due to an injury).
  • The following illnesses/surgeries are not covered for the first two consecutive years:
  • Arthritis (non-infective), osteoarthritis, osteoporosis, gout, rheumatism, all vertebrae disorders and joint replacement surgery.
  • Benign ear, nose, throat disorders/surgeries, nasal septum deviation, sinusitis, benign prostatic hypertrophy, cataract and surgery of genito-urinary system.
  • Hernia, hydrocele, internal tumours, skin tumours, cysts, nodules, polyps, breast lumps, kidney/ureteric stone, lithotripsy and gall bladder stone.
  • Conditions/ailments/injuries/related conditions which the insured individual didn’t show any signs of, and/or which were diagnosed, and/or for which you received medical advice/treatment within 36 months, before the policy start date.
  • Alcohol consumption, smoking, tobacco intake or drug abuse.
  • Any breach of law or participation in actual/attempted felony, riot, crime, misdemeanour or civil commotion.
  • Payment of compensation due to death/disablement arising out of suicide, attempted suicide, pregnancy, childbirth, war, nuclear perils, ionizing radiation, radioactivity, HIV/AIDS, death due to any disease and natural reasons.

 

Note: Please refer to detailed insurance product brochures for policy/plans-specific exclusions.

 

Reliance Health Insurance Premium

Reliance health insurance premium is based on factors such as your age, medical history, lifestyle habits, the sum insured and type of cover you choose. 

One can compare policies and plans by visiting Reliance General Insurance's official website. Alternatively, you may use established online insurance comparison portals such as www.Quickinsure.com to explore quotations, simplify and speed up the process of buying medical insurance.

 

 

Reliance Health InsuranceRenewal & Purchase

One can apply for/renew health insurance policy by viewing and comparing quotes online through insurance comparison platforms such as www.Quickinsure.com.

 

Reliance Health Insurance Review

Reliance General Insurance is one of the leading healthcare insurance companies in India. It provides individual health insurance, and family floater plans to safeguard you against the risk of a sudden hospitalisation and related expenses.

You can also opt for personal accident insurance that takes care of your family in case of your accidental death or disablement.

Reliance is often the first name that comes to mind when we think of pan India setup, reasonable prices and viable premiums.

 

Reliance Health Insurance Policy: FAQs

Q: Do I need health insurance when I am already covered under my employer's group policy?

You are only covered until you are employed with your existing organisation. Once you move to another job, retire or start a venture of your own, you will not be covered. Also, your health insurance acts as a supplement to the existing cover in case the cost of a specific treatment is higher than your present coverage.

Q: What is the age criteria for buying health insurance from Reliance?

The minimum age for individual/floater options is 5 years and above. Children between the age of 91 days and 4 years can be covered under a floater option along with at least one member 21 years old or above. Maximum entry age for all plans is 65 years; however, there is no entry age bar for sum insured of 3 lakh rupees.

Q: Can you please explain what are pre-existing diseases?

Any conditions, ailments, injuries or related conditions for which the insured individual had signs/symptoms, and/or were diagnosed, and/or received medical advice/treatment within 36 months before the first health insurance policy issue date.

Q: What is "reinstatement of base sum insured"?

If you have exhausted your total sum insured, cumulative bonus (if any) and still need further hospitalisation for related or unrelated illnesses, Reliance will refill the full sum insured without any extra charges.

Q: What is the claim settlement process of Reliance health insurance?

Intimate Reliance by filling up an online form and uploading all the relevant documents. Post a successful acceptance; claims are usually settled within a week.

 

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.