Health Insurance by Reliance

Taking care of your health should be of utmost priority. Hence, it's always a good decision to invest in a health insurance plan that covers your expenses during unforeseen situations.

Reliance General Insurance Company has around 139 offices across India.

Reliance Insurance, one of the most trusted names in the insurance space, provides comprehensive health insurance plans that cover almost all your health-related expenses. With lifelong renewal benefits, pre and post hospitalisation cover and reimbursable health check-ups, the company truly ensures that you stay in the pink of your health, always.

Features – Reliance Health Insurance

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.

Benefits – Reliance Health Insurance

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

Products offered – Reliance Health Insurance

Reliance HealthGain

Reliance HealthGain is one of the best health insurance plans in India. It is further sub-divided into Plan A & Plan B. The features of Plan B are more comprehensive. The overall features of and eligibility criteria of both the plans are mentioned below:

Entry AgePlan A 5 years minimum & 65 years maximum Plan B 5 years minimum for individual/floater and maximum 65 years
Policy Period1 years and 2 year plans
Medical TestsPlan A Aged 45 years and above Plan B Aged 18 years and above
Sum assuredPlan A Rs.3 lakh, 6 lakh , 9 lakh Plan B Rs.12 lakh, 15 lakh, 18 lakh
  • This plan offers pre-hospitalization coverage for covering medical expenses for 60 days and 60 days post-hospitalization coverage for meeting your medical expenses
  • Offers in-patient treatment for covering illnesses in case the insured is hospitalized for more than 24 hours
  • Offers day-care treatments in case the insured is hospitalized for less than 24 hours
  • Offers domestic road ambulance services to any of the nearest hospital for cases like life threatening emergencies. This covers charges up to Rs.1,500 under Plan A and Rs.3,000 under Plan B
  • Covers organ donor’s expenses up to 50% of the basic sum insured and a maximum of up to Rs.5 lakh
  • Offers domiciliary hospitalization in case the treatment continues for minimum of three days
  • In case you exhaust your basic sum insured as well as cumulative bonus, and yet there is a requirement of hospitalization for related and unrelated illnesses, Reliance Health Insurance refills the entire sum insured free of cost
  • Offers cumulative bonuses of 33.33% on your basic sum insured free of cost, if you do not make any claim in a policy period
  • In case you do not make any claim in 4 policy years consecutively, Reliance Health Insurance offers a cumulative bonus equal to your basic sum insured. You can use the call option in your 5th policy year, to double your sum insured by adding cumulate bonus
  • This plan offers an accidental death cover of Rs.1 lakh under Plan B, after every claim-free year with the Company
  • Section 80C and 10(10D) under the Income Tax Act, provides tax benefits for premiums paid regularly.

Exclusions:

Not anything and everything is covered under the Reliance HealthGain Plan. The exclusion list is mentioned below:

  • Any claim raised for medical expenses within 30 days of the health insurance policy issuance, wouldn’t be covered, unless these medical expenses occur due to an injury.

The below illnesses or surgeries will not be covered for the first two consecutive years since the policy issuance date:

  • Nasal Septum Deviation, Sinusitis (and related disorders)
  • Benign Prostatic Hypertrophy
  • Cataract
  • Arthritis (non-infective)
  • Surgery of Genito-Urinary System (unless necessitated by malignancy
  • Gout
  • Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
  • Rheumatism
  • Osteoarthritis and Osteoporosis
  • All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
  • Joint Replacement Surgery
  • Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
  • Hernia, Hydrocele (all types)
  • Internal Tumours, Nodules, Polyps, Breast lumps, Skin Tumours, Cysts, (each of any kind), unless malignant
  • Any medical conditions which were not disclosed within 36 months prior to policy
  • The insured if hospitalized in a room not as per the policy wordings (single room). Any room, beyond the description in a policy wordings, is excluded from the health insurance policy coverage.

The following diseases or conditions are not covered in this plan, under permanent exclusions:

  • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
  • Congenital diseases (diseases present from birth)
  • Dental treatment or surgery
  • Maternity- or Fertility-related conditions
  • Treatment of mental illness
  • Cosmetic, aesthetic treatment
  • Outside India or Robotic or Stem Cells
  • War / nuclear / chemical / biological injuries
  • Diseases such as HIV / AIDS or STDs
  • Maternity- or Fertility-related conditions
  • Cost of spectacles, contact lenses and hearing aids

Reliance Personal Accident Insurance Policy

Accidents are unpredictable. They can happen anywhere and anytime. To offer you financial security, Reliance offers you a Personal Accident Insurance Policy. The features and eligibility criteria are mentioned below:

Entry AgeMinimum age 5 and maximum 70 years & children between 5 & 25 years
BasisSingle + Family package
Premiums0.45 to 1.75 per thousand of the amount of sum assured. For people above 75years, rates would increase
  • This plan offers a complete coverage that includes death due to an accident and permanent disability
  • Offers mortals carriage as an add-on wherein an amount in lump sum for transportation is paid which is 2% of the capital sum insured if the death occurs due to accident outside the residence (maximum Rs.2,500)
  • Offers hassle-free documentation
  • Offers 5% increase in CSI
  • Offers extension in case of medical expenses
  • Offers 100% of the sum insured on the death of insured in case of an accident
  • Offers 100% of the sum insured on permanent total disability
  • Offers 100% of the sum insured during loss of two limbs/ two eyes or one limb and one eye
  • Offers 50% of the sum insured in case of loss of one limb or one eye
  • Offers specified percentage of sum insured in case of permanent partial disability
  • Section 80C and 10(10D) under the Income Tax Act, provides tax benefits for premiums paid regularly

Exclusions

The Reliance Personal Accident policy does not cover the following:

  • Any claim raised for more than once during the same duration of disability
  • Any claim in the same period of insurance exceeding the capital sum insured
  • Any death compensation done due to:
    • Suicide, attempted suicide etc.
    • Pregnancy and/or childbirth
    • War and nuclear perils
    • Ionizing radiation or radioactivity
  • HIV / AIDS / or death due to any disease
  • Natural death

Reliance Critical Illness Insurance Policy

Reliance offers a specified plan to take care of life-threatening diseases. The features and eligibility criteria for this plan are mentioned below:

Entry Age
  • For 18 years to 65 years with sum insured Rs.5 lakh
  • For 18 years to 60 years with sum insured Rs.7 lakh
  • For 18 years to 55 years with sum insured Rs.10 lakh
  • Policy period1 year minimum & 3 years maximum
    Medical examinationEssential for 45 years and above
    BasisIndividual
    Sum assuredRs.5 lakh, 7 lakh or Rs.10 lakh
    • This plan offers a lump sum payout in case you are diagnosed with any critical illness or if you there is a requirement of any surgeries.
    • Offers coverage for 10 types of critical illnesses
    • Offers quick and hassle-free settlement of claims
    • Section 80C and 10(10D) under the Income Tax Act, provides tax benefits for premiums paid regularly
    • Payouts are made only if the patient survives for more than 30 days post diagnosis of the critical illness in category 1 & for category 2 the payouts are made if the patient survives for more than 60 days post diagnosis, unless the disease is Quadriplegia then the benefit would be paid post 90 days
    • There are 2 categories in Critical Illnesses.
      Category 1Category 2
      CancerHeart Valve Replacement or Repair
      Major Organ TransplantTotal Blindness
      Multiple SclerosisComa of Specified Severity
      Third Degree BurnsComa Quadriplegia
      Aorta Graft SurgeryEnd Stage Renal Disease requiring regular dialysis

    Exclusions

    Not anything and everything is covered under a Critical illness plan. The exclusion list is mentioned below:

    • Pregnancy or child birth
    • Any pre-existing disease or injuries
    • HIV infection / AIDS
    • Cosmetic or sex change treatment / surgery
    • Alcohol consumption, smoking, other tobacco intake or drug abuse
    • Critical illness contracted or diagnosed arising out of or due to within 3 months of the policy start date
    • Intentional self-injury, suicide or attempted suicide
    • Any breach of law or participation in actual or attempted felony, riot, crime, or civil commotion
    • War, terrorism or nuclear weapons

    Cases, where

    • death occurs within 30 days of the diagnosis or surgery
    • diagnosis is provided by a family member without a medical practitioner
    • diagnosis is not scientifically recognized

    Senior Citizen Health Insurance Plan

    We all know that health risks keep increasing as and when your age increases. Having a health insurance policy nowadays would be a blessing in disguise. Buying health insurance for senior citizen above 60 years would be a smarter move to make life even more relaxed and stress-free. Because we all want to age gracefully.

    The overall features of and eligibility criteria of both the plans are mentioned below:

    • 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
    • Offers coverage to immediate and extended family members under the family floater health insurance policy
    • Offers cashless facility with a network that ranges more than 4000 hospitals
    • Offers flexibility to make the premium payments via UPI, Paytm, Netbanking, Debit/Credit card etc. as per your convenience
    • Offers re-instatement of base sum insured if you get exhausted from your senior citizen health insurance policy
    • Offers quick and hassle-free claim settlement services
    • Section 80C and 10(10D) under the Income Tax Act, provides tax benefits for premiums paid regularly

    Exclusions

    Not anything and everything is covered under the Reliance Senior Citizen Health Insurance Plan. The exclusion list is mentioned below:

    • Any claim raised for medical expenses within 30 days of the health insurance policy issuance, wouldn’t be covered, unless these medical expenses occur due to an injury.

    The below illnesses or surgeries will not be covered for the first two consecutive years since the policy issuance date:

    • Nasal Septum Deviation, Sinusitis (and related disorders)
    • Benign Prostatic Hypertrophy
    • Cataract
    • Arthritis (non-infective)
    • Surgery of Genito-Urinary System (unless necessitated by malignancy
    • Gout
    • Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
    • Rheumatism
    • Osteoarthritis and Osteoporosis
    • All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
    • Joint Replacement Surgery
    • Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
    • Hernia, Hydrocele (all types)
    • Internal Tumours, Nodules, Polyps, Breast lumps, Skin Tumours, Cysts, (each of any kind), unless malignant
    • Any medical conditions which were not disclosed within 36 months prior to policy
    • The insured if hospitalized in a room not as per the policy wordings (single room). Any room, beyond the description in a policy wordings, is excluded from the health insurance policy coverage.

    The following diseases or conditions are not covered in this plan, under permanent exclusions:

    • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
    • Congenital diseases (diseases present from birth)
    • Dental treatment or surgery
    • Maternity- or Fertility-related conditions
    • Treatment of mental illness
    • Cosmetic, aesthetic treatment
    • Outside India or Robotic or Stem Cells
    • War / nuclear / chemical / biological injuries
    • Diseases such as HIV / AIDS or STDs
    • Maternity- or Fertility-related conditions
    • Cost of spectacles, contact lenses and hearing aids

    Cashless Health Insurance Policy

    Today, medical expenses has reached sky high. It is simply not possible for a common man to have enough cash or back-up for those medical emergencies. Cashless health insurance gives you the comfort of not burning a hole to your pocket and yet utilize the health care services. This is a benefit offered by the insurance company to make use of cashless hospitalization at network hospitals. It is way better than arranging to make the hefty hospital bill payments which otherwise gets paid by Reliance Health Insurance directly to the hospital.

    The features of this plan are mentioned below:

    • Reliance Cashless 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
    • Offers coverage to immediate and extended family members
    • Offers cashless facility with a network that ranges more than 4000 hospitals
    • Offers flexibility to make the premium payments via UPI, Paytm, Netbanking, Debit/Credit card etc. as per your convenience
    • Offers re-instatement of base sum insured if you get exhausted from Cashless health insurance policy
    • Offers quick and hassle-free claim settlement services
    • Section 80C and 10(10D) under the Income Tax Act, provides tax benefits for premiums paid regularly

    Exclusions:

    Not anything and everything is covered under the Reliance Cashless Health Insurance Plan. The exclusion list is mentioned below:

    • Any claim raised for medical expenses within 30 days of the health insurance policy issuance, wouldn’t be covered, unless these medical expenses occur due to an injury.

    The below illnesses or surgeries will not be covered for the first two consecutive years since the policy issuance date:

    • Nasal Septum Deviation, Sinusitis (and related disorders)
    • Benign Prostatic Hypertrophy
    • Cataract
    • Arthritis (non-infective)
    • Surgery of Genito-Urinary System (unless necessitated by malignancy
    • Gout
    • Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
    • Rheumatism
    • Osteoarthritis and Osteoporosis
    • All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
    • Joint Replacement Surgery
    • Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
    • Hernia, Hydrocele (all types)
    • Internal Tumours, Nodules, Polyps, Breast lumps, Skin Tumours, Cysts, (each of any kind), unless malignant
    • Any medical conditions which were not disclosed within 36 months prior to policy
    • The insured if hospitalized in a room not as per the policy wordings (single room). Any room, beyond the description in a policy wordings, is excluded from the health insurance policy coverage.

    The following diseases or conditions are not covered in this plan, under permanent exclusions:

    • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
    • Congenital diseases (diseases present from birth)
    • Dental treatment or surgery
    • Maternity- or Fertility-related conditions
    • Treatment of mental illness
    • Cosmetic, aesthetic treatment
    • Outside India or Robotic or Stem Cells
    • War / nuclear / chemical / biological injuries
    • Diseases such as HIV / AIDS or STDs
    • Maternity- or Fertility-related conditions
    • Cost of spectacles, contact lenses and hearing aids

    Reliance HealthGain Policy on Installments

    The features of the Reliance HealthGain Policy plan are mentioned below:

    • Reliance HealthGain Policy on Installments provides a discount of 15% on Reliance HealthGain Policy
    • Offers coverage to immediate and extended family members
    • Offers lifelong renewal on your Reliance Health Insurance policy
    • Offers a host of options to select from a family floater health insurance policy, cashless health insurance policy, senior citizen health insurance policy, individual health insurance policy. Also gives an option to choose the sum insured from 3 lakh, 6 lakh and 9 lakh
    • Offers cashless facility with a network that ranges more than 4000 hospitals
    • Offers flexibility to make the premium payments via UPI, Paytm, Netbanking, Debit/Credit card etc. as per your convenience
    • Offers quick and hassle-free claim settlement services
    • Section 80C and 10(10D) under the Income Tax Act, provides tax benefits for premiums paid regularly
    • This plan offers pre-hospitalization coverage for covering medical expenses for 60 days and 60 days post-hospitalization coverage for meeting your medical expenses
    • Offers in-patient treatment for covering illnesses in case the insured is hospitalized for more than 24 hours
    • Offers day-care treatments in case the insured is hospitalized for less than 24 hours
    • Offers domestic road ambulance services to any of the nearest hospital for cases like life threatening emergencies. This covers charges up to Rs.1,500 under Plan A and Rs.3,000 under Plan B
    • Covers organ donor’s expenses up to 50% of the basic sum insured and a maximum of up to Rs.5 lakh
    • Offers domiciliary hospitalization in case the treatment continues for minimum of three days
    • In case you exhaust your basic sum insured as well as cumulative bonus, and yet there is a requirement of hospitalization for related and unrelated illnesses, Reliance Health Insurance refills the entire sum insured free of cost
    • Offers cumulative bonuses of 33.33% on your basic sum insured free of cost, if you do not make any claim in a policy period
    • In case you do not make any claim in 4 policy years consecutively, Reliance Health Insurance offers a cumulative bonus equal to your basic sum insured. You can use the call option in your 5th policy year, to double your sum insured by adding cumulate bonus
    • This plan offers an accidental death cover of Rs.1 lakh under Plan B, after every claim-free year with the Company

    Exclusions

    Not anything and everything is covered under the Reliance HealthGain Policy on Instalments Plan. The exclusion list is mentioned below:

    • Any claim raised for medical expenses within 30 days of the health insurance policy issuance, wouldn’t be covered, unless these medical expenses occur due to an injury.

    The below illnesses or surgeries will not be covered for the first two consecutive years since the policy issuance date:

    • Nasal Septum Deviation, Sinusitis (and related disorders)
    • Benign Prostatic Hypertrophy
    • Cataract
    • Arthritis (non-infective)
    • Surgery of Genito-Urinary System (unless necessitated by malignancy
    • Gout
    • Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
    • Rheumatism
    • Osteoarthritis and Osteoporosis
    • All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
    • Joint Replacement Surgery
    • Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
    • Hernia, Hydrocele (all types)
    • Internal Tumours, Nodules, Polyps, Breast lumps, Skin Tumours, Cysts, (each of any kind), unless malignant
    • Any medical conditions which were not disclosed within 36 months prior to policy
    • The insured if hospitalized in a room not as per the policy wordings (single room). Any room, beyond the description in a policy wordings, is excluded from the health insurance policy coverage.

    The following diseases or conditions are not covered in this plan, under permanent exclusions:

    • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
    • Congenital diseases (diseases present from birth)
    • Dental treatment or surgery
    • Maternity- or Fertility-related conditions
    • Treatment of mental illness
    • Cosmetic, aesthetic treatment
    • Outside India or Robotic or Stem Cells
    • War / nuclear / chemical / biological injuries
    • Diseases such as HIV / AIDS or STDs
    • Maternity- or Fertility-related conditions
    • Cost of spectacles, contact lenses and hearing aids

    Claims process - Reliance Health Insurance

    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

    • Health Insurance Policy number
    • Phone no., email id, address, landmark etc. of the insured/claimant
    • Name of Insured/claimant who is admitted in the hospital
    • Relationship of insured with the person who is hospitalized.
    • Name of the hospital
    • Nature of ailment (For health claims)
    • Nature of accident, date, time and location of the incident (For accident cases)
    • Commencement date of the symptom of ailment

    Claim Process - Cashless Service

    • Once the doctor advises hospitalization or a treatment, intimate your claim
    • Intimation can be done by calling on the toll-free number of the Reliance Health Insurance Company 1800 3009 or email on rgicl.rcarehealth@relianceada.com
    • Get hospitalized in any of the network hospitals
    • Show your Reliance Health Card to the representative at the TPA desk
    • Complete the ‘Cashless Request Form’ available at the hospital’s insurance/TPA Desk.
    • Submit your authorization form along with your health card copy and your photo identity copy
    • You will have to wait for an approval from the hospital.
    • Send the completed form via email or fax to the RCare Health/ TPA along with any important medical details
    • Verify and sign the details along with all the bills
    • You may leave the investigation and original discharge letter with the hospital and retain a photocopy of these for your reference

    Claim process if ‘cashless hospitalization’ is denied by RCare Health/TPA

    • Settlement of the hospital bill to be done as required
    • During discharge, ensure to collect all the original bill documents and reports
    • Make a complaint with RCare Health /TPA for processing and reimbursement

    Claim process for emergency hospitalization with ‘cashless facility’

    • Get hospitalized and then obtain the pre-authorization form from the hospital
    • Immediately fill the form and get it signed by the attending doctor
    • Send the completed form via email or fax to the RCare Health/ TPA along with any important medical details
    • Verify and sign the details along with all the bills
    • You may leave the investigation and original discharge letter with the hospital and retain a photocopy of these for your reference

    Claim process for emergency hospitalisation with ‘reimbursement facility’

    • Get hospitalized
    • Immediately intimate or register the claim at RCare Health call centre/E-mail as soon as possible
    • Make the hospital bill payments in full as required
    • Collect all the original bills, documents and reports at the time of discharge
    • Register a claim with RCare Health /TPA for processing and reimbursement, by filling in the claim form and attaching required documents as mentioned in the claim form

    Claim process for planned hospitalisation with ‘reimbursement facility’

    • Intimate RCare Health /TPA of the planned hospitalisation
    • Get hospitalized
    • Make the hospital bill payments in full as required
    • Collect all the original bills, documents and reports at the time of discharge
    • Register a claim with RCare Health /TPA for processing and reimbursement, by filling in the claim form and attaching required documents as mentioned in the claim form

    Documentation for smooth Claim Settlement

    The below documentation is required as per the type of claims registered:

    Hospitalisation / Day-Care Treatment

    • Claim form duly signed and filled completely
    • Doctor’s first prescription with the beginning of the symptoms or illness mentioning the date
    • Doctor’s prescription & medical treatment papers
    • X-ray/Scan/ECG, Laboratory etc. which are the investigation reports
    • Original medical bills, receipts, hospital discharge card
    • In case of an accident the Copy of FIR
    • CTS formatted Cancelled Cheque mentioning the printed account number, IFSC code and name of insured). In case, insured’s name is not printed on the canceled cheque, provide scanned copy of 1st page of passbook or bank statement.
    • Patients pan card details (photo copy) and identification card
    • Copy of Health card

    Critical Illness Claims

    • Claim form duly signed and filled completely
    • Doctor’s certificate mentioning the diagnosis with the date of the symptoms when first occurred
    • Relevant Investigation reports (Radiology, Pathology etc) confirming the diagnosis
    • Original medical bills, receipts, hospital discharge card
    • Hospital admission & discharge card/ certificate
    • CTS formatted Cancelled Cheque mentioning the printed account number, IFSC code and name of insured). In case, insured’s name is not printed on the canceled cheque, provide scanned copy of 1st page of passbook or bank statement.
    • Patients pan card details (photo copy) and identification card
    • Copy of Health card

    Domiciliary Hospitalisation

    • Claim form duly signed and filled completely
    • Doctor’s first prescription with the beginning of the symptoms or illness mentioning the date
    • Doctor’s prescription & medical treatment papers
    • X-ray/Scan/ECG, Laboratory etc. which are the investigation reports
    • Original medical bills, receipts, hospital discharge card
    • In case of an accident the Copy of FIR
    • Documentary proof showing lack of accommodation in hospital/nursing home (if this is the case)
    • CTS formatted Cancelled Cheque mentioning the printed account number, IFSC code and name of insured). In case, insured’s name is not printed on the canceled cheque, provide scanned copy of 1st page of passbook or bank statement.
    • Photocopy of identification card of patient & PAN card of insured

    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 rgicl.rcarehealth@relianceada.com

    Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

    Review of Reliance Health Insurane

    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.

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