Reliance Health Insurance
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Overview of Reliance Health Insurance
Reliance Health Insurance is the health segment of the Reliance General Insurance Company Ltd. The company was formed in August 2000 as a fully-owned subsidiary of Reliance Capital, which is a part of the Reliance Anil Dhirubhai Ambani Group. It offers a variety of health insurance plans at pocket-friendly prices and has a huge customer base consisting of individuals, families, and senior citizens.
The Reliance General Insurance Company boasts of settling 98% of all the claims received. Besides, the company has earned an incurred claim ratio of 98.76% in FY 2021-22.
Choose Reliance Health Insurance Coverage of Your Choice
Reliance Health Insurance Plans
Reliance health insurance plans provide comprehensive medical coverage against a variety of diseases and medical conditions. Here is the list of various health insurance plans offered by Reliance General Insurance Company:
Plan name
For family
Plan name
For individuals
Plan name
For individuals
Plan name
For critical illness
Plan name
For individuals
Plan name
For COVID-19
Plan name
For COVID-19
For accidents
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
View more plansReliance Health Insurance Plans in Detail:
Reliance Health Infinity Insurance Plan
The Reliance Health Infinity plan provides comprehensive coverage against a wide range of medical expenses incurred by individuals as well as families. It comes with a sum insured ranging from Rs 3 lakh to Rs 5 crore.
Features & Benefits:
- In-patient treatment without any room rent limit is available
- Cost of ambulance services, special treatments and domiciliary hospitalization are covered
- Mother and child care benefit, OPD cover and medical equipment cover are available
- Super charger and air ambulance cover are available under the Smart Protector benefit
- Double cover, transportation benefit and stay healthy renewal benefit are available
- Limitless cover, including consumables cover, and More Options benefits are also available
- No pre-policy check-up for up to 55 years
- Voluntary co-payment option is available as an add-on cover
Reliance Health Gain Insurance Plan
The Reliance Health Gain insurance plan provides coverage to individuals as well as families on a floater basis. The plan comes with a sum insured ranging from Rs 3 lakh to Rs 1 crore and is available in three types – Plus, Power and Prime. However, senior citizens above the age of 65 years can be covered for a sum insured of Rs 3 lakh.
Features & Benefits:
- Hospitalization expenses, ambulance charges and domiciliary hospitalization are covered
- Accidental death cover, waiver of premium and extra sum insured benefit are available
- Claim service guarantee, policy service guarantee and wellness services are covered
- 100% reinstatement of the base sum insured, cumulative bonus and loyalty cover are available
- Child care cover, home care treatment and second medical opinion are available as add-on covers
- Health check-ups, reduction in PED waiting period and double cover can also be opted as an add-on
- Option to buy guaranteed cumulative bonus and unlimited reinstatement of sum insured benefits
- 5% discount to a single independent woman or girl child
Reliance Arogya Sanjeevani Policy
The Reliance Arogya Sanjeevani policy is a standard health plan offered under the guidelines of IRDAI to individuals and families. This affordable health policy is available for a sum insured ranging from Rs 50,000 to Rs 10 lakh.
Features & Benefits:
- In-patient care, special treatments and day care procedures are covered
- AYUSH benefit and dental treatment & plastic surgery cover are available
- Pre-hospitalization & post-hospitalization expenses for up to 30 days and 60 days are covered
- Cataract treatment and emergency road ambulance cover are available
- 5% cumulative bonus for up to 50% for every claim-free year
- No pre-policy medical check-up for applicants up to 50 years
Reliance Personal Accident Insurance Plan
The Reliance Personal Accident Insurance plan provides compensation in case the insured meets with an accident. It comes with a sum insured ranging between Rs 5 lakh to Rs 20 lakh.
Features & Benefits:
- Coverage for accidental death and permanent total disablement are available
- Permanent partial disablement and temporary total disablement are also covered
- Worldwide coverage is available
- Education grant and the cost of carrying the dead body are covered
- Option to get medical expenses cover is also available
- 5% cumulative bonus is provided for every claim-free year for up to 50%
Reliance HealthWise Insurance Plan
The Reliance HealthWise plan is a comprehensive policy that provides coverage to individuals and families at an affordable premium. It offers a sum insured ranging between Rs 1 lakh to Rs 5 lakh.
Features & Benefits:
- Coverage for in-patient hospitalization and domiciliary hospitalization are available
- Pre-hospitalization and post-hospitalization expenses for up to 60 days and 90 days are covered
- Critical illnesses, donor expenses and modern treatments are covered
- Value-added covers, including daily hospitalization allowance, local road ambulance service, recovery benefit, nursing allowance and accompanying person’s expenses, are available
- Change in room rent limit, voluntary aggregate deductible and co-payment are available as optional covers
- Up to 7% savings on premium for girl children
Reliance Critical Illness Plan
The Reliance Critical Illness plan provides financial coverage to deal with the treatment cost of 10 critical illnesses. The plan comes with a sum insured of Rs 5 lakh, Rs 7 lakh, and Rs 10 lakh.
Features & Benefits:
- Lump sum payment is made on the disease diagnosis
- No pre-policy medical check-ups are required for applicants up to 45 years
- 5% or 10% No Claim Bonus is granted for every claim-free policy renewal depending on the policy tenure
Reliance Health Super Top Up Plan
The Reliance Super Top Up plan provides financial cushioning to the insured in case the base policy sum insured gets exhausted. The plan has an in-built deductible of Rs 2 lakh to Rs 30 lakh for a sum insured ranging from Rs 5 lakh to Rs 1.3 crore.
Features & Benefits:
- Cost of hospitalization, day care procedures and pre-post hospitalization are covered
- Maternity cover, emergency ambulance cover and worldwide emergency cover are available
- AYUSH treatments, modern treatments and domiciliary hospitalization are covered
- 10% cumulative bonus for up to 50% is available on every claim-free year
- Deductible buy-back plan is available as an optional cover
Reliance Hospi Care Insurance Plan
Reliance Hospi Care Insurance is a hospital cash plan that pays a lump sum benefit to the insured in case of hospitalization. The sum insured for the policy ranges from Rs 1 lakh to Rs 10 lakh.
Features & Benefits:
- Lump sum payment is made to cover the cost of surgical procedures
- Daily cash for in-patient hospitalization and day care procedures is paid
- Double the daily cash amount is paid in case of an ICU stay
- Coverage for hospitalization due to malaria/dengue/chikungunya are available
- Daily cash allowance for non-listed surgical procedures are also covered
- No pre-policy health check-up is required for up to 45 years
Reliance COVID-19 Protection Insurance Plan
The Reliance COVID-19 Protection Insurance plan provides coverage to people who tested positive for the coronavirus disease. The policy comes with a sum insured of Rs 25,000 to Rs 2 lakh.
Features & Benefits:
- Cost of the COVID-19 diagnosis and quarantine are covered
- Loss of pay and loss of job covers are available
- Travel exclusion removal cover is also available
Reliance Yes Plus Health Insurance Plan
The Reliance Yes Plus Health Insurance plan covers the cost of a variety of medical treatments and procedures on payment of a mandatory deductible. Although the sum insured varies from Rs 3 lakh to Rs 40 lakh, the deductible ranges from Rs 2 lakh to Rs 10 lakh.
Features & Benefits:
- In-patient treatment, day care treatment and domiciliary hospitalization are covered
- Maternity cover, organ donor cover and ambulance cover are available
- AYUSH treatments and modern treatment methods are covered
- Coverage for both pre-hospitalization and post-hospitalization expenses are available
Reliance Digital Care Management Plan
The Reliance Digital Care Management plan has been designed to cover the outpatient medical expenses of the insured. The policy sum insured ranges from Rs 1000 to Rs 5000.
Features & Benefits:
- Coverage for online medical consultations are available
- Pharmacy expenses and investigation expenses are covered
- Dental and ophthalmology cover is also available
- Add-on covers, such as booking online medicines and booking online investigations & diagnostic services are available
Reliance Autoloan Care Insurance Plan
The Reliance Autoloan Care Insurance plan provides financial support to pay off the auto loan in case the insured is diagnosed with a critical illness or dies in an accident.
Features & Benefits:
- Accidental death and permanent total disability are covered
- Coverage for 12 critical illnesses are available
- Loss of employment is also covered
- Child care allowance is also available
- A surviving period of 30 days is applicable to critical illnesses
Reliance Homeloan Protect Plan
The Reliance Homeloan Protect plan helps to pay off the home loan amount in case the insured dies in an accident or gets diagnosed with a critical illness.
Features & Benefits:
- Coverage for accidental death and permanent total disability are available
- 10 critical illnesses are covered
- Loss of employment and child care allowance are available
- Coverage for home and home contents are also available
- A survival of 30 days applies to critical illness cover
Reliance Personal Loan Care Insurance Plan
The Reliance Personal Loan Care Insurance plan offers financial coverage against the payment of a personal loan in case of accidental death or critical illness diagnosis.
Features & Benefits:
- Permanent total disability and accidental death are covered
- Coverage available for 12 critical illnesses
- Child care allowance and loss of employment cover are available
- Critical illness cover gets activated after a survival period of 30 days
Why Should You Buy Reliance Health Insurance Plans?
Here are some of the reasons why you must buy a Reliance health insurance plan:
- Wide Range of Plans – The Reliance General Insurance Company offers a wide range of health insurance plans to customers that include customized plans for OPD coverage, COVID-19, critical illnesses, worldwide hospitalization, etc.
- 24x7 Health Claims Assistance – The insurer has an efficient health claims team that is accessible for assistance round the clock.
- Hassle-free Claim Settlements – Reliance health insurance plans come with a hassle-free claim settlement process that ensures quick dispersal of claims.
- Tax Benefits – Customers can avail tax deductions on the premium paid to buy a health insurance policy under Sec 80D, Income Tax Act, 1961.
How to File a Claim with a Reliance Health Insurance Plan?
Follow the steps given below to file a claim under a Reliance Health Insurance policy:
1
Hospital Admission
Get admitted to a network hospital of the Reliance General Insurance Company
2
Claim Intimation
Inform Reliance General Insurance Company about your hospital admission. While you must inform about your emergency hospitalization within 24 hours, planned hospitalizations must be intimated at least 2 days in advance.
3
Show the Health Card
Present the Reliance Health Card at the TPA helpdesk of the network hospital.
4
Fill Up the Cashless Request Form
Complete the cashless request form available at the hospital cashless desk and submit it to TPA helpdesk
5
Cashless Request Form Submission
The hospital will send the cashless request form to RCare Health along with the required medical details
6
Cashless Request Review
RCare Health will review the cashless treatment request and will authorize the treatment if satisfied.
7
Sign Documents
If the cashless request is approved, make sure to sign all the relevant documents during discharge from the hospital.
8
Payment to the Hospital
The Reliance General Insurance Company will pay the claim amount to the network hospital directly.
In the case of a reimbursement claim, pay the full hospital bill amount at the time of hospital discharge and collect all the original hospital bills, medical documents and investigation reports. Submit the required documents along with the claim form to RCare Health within 15 days of getting discharged. RCare Health will review the documents and pay the claim amount to you upon claim acceptance.
Documents Required for Reliance Health Insurance Claim
Check out the list of documents required to file a Reliance health insurance claim:
- Duly filled and signed claim form
- Copy of Reliance health card
- First prescription by the doctor that mentions the start date of the symptoms
- Investigation reports, such as X-rays, ultrasounds, etc.
- Treatment papers
- Original hospital discharge card
- Original hospital, pharmacy & diagnostic tests bills and payment receipts supported by doctor’s advice
- Copy of the FIR (for accident cases)
- Copy of the insured’s ID card and policyholder’s PAN card
- Cancelled cheque
Reliance Health Insurance Network Hospitals
The Reliance General Insurance Company enables its policyholders to avail cashless hospitalization facilities at all its network hospitals across India. Take a look at the various Reliance health insurance network hospitals located in various cities of India:
How to Buy Reliance Health Insurance Plans?
Follow the steps given below to buy a Reliance health insurance plan online:
Step 1: Visit the website of Policybazaar Insurance Broker Private Limited
Step 2: Go to the icon of ‘Health Insurance’
Step 3: Enter the details about the people to be insured, such as age, medical history, city of residence, etc.
Step 4: Provide the requested contact details
Step 5: Choose a Reliance health insurance plan to be purchased
Step 6: Pay the premium for the chosen plan online
Step 7: The policy will be issued on successful payment.
How to Renew Reliance Health Insurance Plans?
The process for Reliance health insurance renewal is as follows:
Step 1: On the homepage of Policybazaar.com, go to the ‘Renew Your Policy’ tab
Step 2: Select ‘Health Renewal’ from the dropdown menu
Step 3: Fill in your mobile number along with the received OTP to log in to your account
Step 4: Choose the Reliance health insurance plan to be renewed
Step 5: Cross-check the policy details and pay the premium online
Step 6: The Reliance health insurance renewal will be done once the payment is received.
How to Calculate Reliance Health Insurance Premium?
Customers can calculate the premium of a Reliance health insurance plan by entering a few basic details in a health insurance premium calculator online. Check out the Reliance health insurance premium calculator given below to calculate the premium of any plan.
Contact Details of Reliance Health Insurance
Here are the contact details of Reliance General Insurance Company:
| Categories | Contact Details |
| Phone No | 022 4890 3009 |
| Senior Citizen Helpline No | 022 3383 4185 |
| WhatsApp No | 74004 22200 |
| Email Id | rgicl.services@relianceada.com |
Reliance Health Insurance FAQs
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Q1. What is the claim settlement ratio of Reliance Health Insurance?
Ans: The claim settlement ratio of Reliance Health Insurance is 98.6% in FY 2021-22.
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Q2. How can I check Reliance Health Insurance policy status?
Ans: You can check the status of your Reliance health insurance policy by visiting the website of the insurance company or getting in touch with Reliance health insurance customer care. You can also contact Policybazaar.com if the policy was purchased from them.
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Q3. Where can I get the Reliance health insurance hospital list?
Ans: You can find the Reliance health insurance hospital list with the policy papers issued by your insurance company. You can also check the network hospitals list on the insurer’s website or Policybazaar.com.
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Q4. How can I check the premium of a Reliance health insurance plan before buying?
Ans: You can check the Reliance health insurance premium chart to find out the premium of a plan before buying it. You can also use a health insurance premium calculator to know the estimated premium for a plan.
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Q5. What is the policy cancellation process for Reliance Health Insurance?
Ans: To cancel a Reliance health insurance policy, submit the policy document with a filled-in surrender form at the nearest branch of the insurance company. You can also write an email to the insurance provider requesting policy cancellation. Upon successful proceeding, the premium refund will be deposited directly into your bank account and the policy will be cancelled. Do try to cancel your policy within the free-look period to avoid paying a cancellation fee.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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