Reliance HealthGain Policy

The Reliance HealthGain policy is designed with special benefits for women and girls. Comes with two options Plan A and Plan B. Though both are similar, Plan B offers enhanced coverage in terms of additional covers, sum assured, and sub-limit.

Highlights of the Plan

  • Privileged 5% premium discount for women and children
  • Enjoy a special 5% discount when you insure more than one family member under the same policy
  • Extended coverage for an additional year if you are diagnosed with any named critical illness
  • You can double the sum insured of your policy after four consecutive claim-free years

Scope of cover

Indivdual Plan

Entry Age

No age entry bar for people having sum assured of Rs.3 Lakhs

Adults :

Minimum : 5 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 6

Maximum Adults : 4

Maximum Children : 2

Sum Insured

Plan A: 3/6/9 Lakhs
Plan B: 12/15/18 Lakhs


5% for 2-3 members
10% for 4 members
5% discount for single women
5% cross-sell relationship benefit

Policy Periods Available

1 year

Pre-Policy Medical Check-up

Plan A: 3-6-9 lakhs – Above 46 years

Plan B: 12 -15-18 – Above 18 years

Family Floater Plan

Entry Age

No age entry bar for people having sum assured of Rs.3 Lakhs

For children: below 91 days – 4 years, One dependent member who is 21 years and above

Adults :

Minimum : 5 Years

Maximum : 65 Years

Number of Members Covered

Maximum Members : 6

Maximum Adults : 2

Maximum Children : 4

Sum Insured

3/6/9 lakhs


For longer policy term
5% for covering a daughter
5% for widow covering children

Policy Periods Available

1 year

Pre-Policy Medical Check-up

Plan A: 3-6-9 lakhs – Above 46 years

Plan B: 12 -15-18 – Above 18 years

Important Features

Day Care Treatments

Due to scientific advancement, some surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.

    No-Claim Benefits

    In this policy, if you don’t make any claim, you earn a cumulative bonus of 33.33% of basic sum insured. This can be accumulated equal to sum assured. However, the bonus amount is reduced by 33.33% of sum insured once you make any claim.

      Organ Donor Cover

      For expenses related to organ donation, this benefit covers 50% of the base sum assured, subject to maximum of 5 lakhs. Pre-hospitalization and post-hospitalization expenses won’t be borne by the company in this case.

        Pre Hospitalization

        The insurance company will compensate you for the medical expenses related to your hospitalization 60 days before the hospitalization.

          Post Hospitalization

          The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization.

            Restore Benefits

            The base sum assured will automatically be restored if you exhaust the same during the policy period.

              Good to Have Benefits

              Home Hospitalization/ Domiciliary Hospitalization

              You can avail treatment at home up to 10% of base sum assured, subject to a maximum of Rs. 50,000

                CALL OPTION

                After every 4 claim free years, you can enhance the base sum assured by an amount equal to accumulated cumulative bonus. However, the total sum assured should be equal or lower than 50 lakhs. Can be exercised up to the age of 60 years.

                  Emergency Ambulance

                  This plan provides domestic road ambulance cover up to Rs. 1,500 in Plan A and up to Rs. 3,000 in Plan B.

                    Value Adds

                    FREE LOOK PERIOD

                    For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

                      Critical Illness Cover

                      Plan B offers automatic extension of policy period for a tenure of 1 year if diagnosed with any of the listed critical illnesses mentioned in the policy document.

                        Terms & Conditions

                        Room Rent / Room Category

                        In-patient care is limited up to Single Private Room


                          For insured with age 61 years and above at the time of buying health insurance policy, co-pay of 20 % for sum insured is applicable in this plan.

                            Note: In the case of family floater if the age of the eldest member is 61 years or more then the co-pay applies to all the members covered under the plan.

                            Waiting Period

                            Cooling Off Period

                            A 30 days cooling off period for all claims except any arising out of accidental injuries.

                              Specific Illnesses

                              The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Arthritis, Hernia, Kidney Stone, and so forth.

                                Pre-Existing Illnesses

                                You can claim for any pre-existing conditions after 36 months from the policy start date.

                                  Permanent Exclusions

                                  The Plan will not cover any liabilities towards the treatments of following conditions-

                                  • Intentional self-injury
                                  • Mental illness
                                  • Cosmetic, aesthetic treatment
                                  • Dental surgery
                                  • AIDS
                                  • Pregnancy, childbirth, miscarriage, and abortion
                                  • Congenital disease
                                  • Infertility and in vitro fertilization.
                                  • Hospitalization out of war, riot, strike and nuclear weapons

                                  Review of Reliance HealthGain Policy

                                  From the house of one of the bigwig MNC’s of India, this Reliance HealthGain policy is loaded with unique benefits. With features such as auto-extension of free auto-extension and major cumulative bonus of sum assured with every claim-free year, the plan is pocket-friendly. With its Plan A and Plan B option, it provides more flexibility to those seeking health insurance. Also, the plan exclusively offers a 5% discount for women and children.

                                  **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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