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 Age |
Plan A
5 years minimum & 65 years maximum
|
Plan B
5 years minimum for individual/floater and maximum 65 years
|
Policy Period |
1 years and 2 year plans |
|
| Medical Tests |
Plan A
Aged 45 years and above
|
Plan B
Aged 18 years and above
|
| Sum assured |
Plan 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 Age | Minimum age 5 and maximum 70 years & children between 5 & 25 years |
| Basis | Single + Family package |
| Premiums | 0.45 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 period | 1 year minimum & 3 years maximum |
| Medical examination | Essential for 45 years and above |
| Basis | Individual |
| Sum assured | Rs.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 1 |
Category 2 |
| Cancer | Heart Valve Replacement or Repair |
| Major Organ Transplant | Total Blindness |
| Multiple Sclerosis | Coma of Specified Severity |
| Third Degree Burns | Coma Quadriplegia |
| Aorta Graft Surgery | End 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
