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Get complete details about Reliance health insurance online on Coverfox. Reliance Health Insurance Plans provides you all-round protection in today's world full of health-related uncertainties. Health Insurance plans from Reliance General Insurance protects you and your family by providing financial support if a health crisis comes knocking at your doorstep.
Reliance General Insurance Company has around 139 offices across India.
Reliance Health Insurance plans offer complete comprehensive protection and tax savings u/s 80D of the Income Tax Act, 1961. You get a host of benefits like No-Claim Bonus, Cashless Hospitalization, low premium with amazing discounts. Reliance General Insurance offers Individual, Family Floater, Critical Illness, Personal Accident Insurance Plans. You can also buy Reliance Health Insurance Plan in 4 easy installments. Reliance has a countrywide presence with 139 offices and with more than 28,900+ intermediaries across India.
The features of Reliance Health Insurance are mentioned below:
No. of members - The plan covers maximum 4 members of your family that may include up to 2 children and 2 adults.
Lifelong Renewal – The plans offered are lifelong renewable, hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
No Sub-Limits on Room Rent - As sub-limits on room rent practically eat into your sum insured, Reliance Health Insurance scores brownie points for their plans without any sub-limits on the room rent.
Pre & Post hospitalization cover - The plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
Health Check-ups – On successful completion of 4 claim-free years, the health check-up expenses are reimbursed.
Pre-existing diseases - Pre-existing diseases are covered after 4 years of waiting period.
Co-payment - The plan has no co-payment policy.
Some Important Facts
|Incurred Claim Ratio||94%|
|Reliance Network Hospitals||4000+|
|No. of members||4||Renewability||Lifelong|
|Customer Care Toll Free No||1800 3009|
The benefits of buying Reliance Health Insurance are mentioned below:
Discounts: Reliance Health Insurance provides a discount of 5% for a girl child or for single women. Offers a premium discount of 5% for Reliance Private Car Package Policy customers
Coverage: Offers coverage to immediate and extended family members under an individual mediclaim insurance policy
Cashless facility: Offers cashless facility with a network that ranges more than 4000 hospitals
Flexibility: Offers flexibility to make the premium payments via UPI, Paytm, Netbanking, Debit/Credit card etc. as per your convenience
Re-instatement: Offers re-instatement of sum insured if get exhausted from your basic sum insured of your health insurance
Mediclaim settlement: Offers quick and hassle-free claim settlement services
Tax benefits: Section 80C and 10(10D) under the Income Tax Act, provides tax benefits for premiums paid regularly.
Incurred Claim Settlement Ratio: The incurred claim settlement ratio of Reliance Health Insurance for F.Y. 2018 - 19 is 94%.
There are two ways to make claim under a Health Insurance Policy:
A.) Cashless basis
B.) Reimbursement basis
In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form.
In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.
Reliance Health Insurance has a well-defined claim processing system.
Important details required for claim intimation
Claim Process - Cashless Service
Claim process if ‘cashless hospitalization’ is denied by RCare Health/TPA
Claim process for emergency hospitalization with ‘cashless facility’
Claim process for emergency hospitalisation with ‘reimbursement facility’
Claim process for planned hospitalisation with ‘reimbursement facility’
Documentation for smooth Claim Settlement
The below documentation is required as per the type of claims registered:
Hospitalisation / Day-Care Treatment
Critical Illness Claims
In case of any emergencies, you need to inform Reliance Health Insurance within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Reliance toll free number 1800-3009 the same could also be emailed to firstname.lastname@example.org
Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.
With a robust base of faithful customers clubbed with sturdy Pan India branch setup, Reliance Health Insurance Plans are reasonably priced and cost-optimized. Also the premiums are viable, pocket friendly and accounted for. The cover gives you cashless hospitalization benefit in over 4000 hospitals across nation. If a worthy health cover with strict budget is what's on your mind, Reliance Health Insurance is a sure contender.
For details about plans on offer, do call Coverfox at 1800-209-9920 to assist you further.