Reliance HealthGain policy
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- Reliance HealthGain Policy
Reliance HealthGain Policy
Reliance HealthGain Insurance Policy provides full protection against any illness or medical emergencies. It is a Single policy for you and your family which manages all your medical expenses and ensures quality health and happiness.
Key Features:
- This policy comes with 2 different plans, which can you can choose according to your requirements..
- For girl child or single woman, 5% extra discount and premium.
- Cumulative bonus is provided after each claim free year.
- Auto-extension of the policy without any cost.
Key benefits:
- Family Floater benefit – This feature provides wide protection to your family members under one single Policy.
- A 5% discount is provided as a family discount for an individual policy.
- Income Tax Benefit - The premium paid is exempt from Income Tax under Sec 80 D of Income Tax Act (Tax Benefits are subject to change in tax laws).
Policy Details:
- Sum Assured –There are two plans under this policy
Plan A – 3lac, 6lac and 9lac.
Plan B – 12Lacs, 15lacs and 18lacs. - Age limit - Any person can take this policy up to an age of 65 years.
- Coverage type – Individual as well as family floater.
- Policy termination – The Policyholder is allowed to terminate the policy at any time by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded.
- Free look period - If you are not happy with the coverage, and terms and conditions of the policy, you have the option of cancelling the policy within 30 days of receipt of the policy documents, provided there has been no claim.
Inclusions:
- Pre and post hospitalization coverage of 60 days.
- Domestic road ambulance expense of 1500Rs for Plan A and up to 3000Rs for plan B.
- Call option in 5th year to double up your sum assured.
- Accidental death cover is included.
Exclusions:
- Contraction of any disease during the first 30 days of commencement of the policy.
- Waiting period of 2 years from commencement of Policy for Certain diseases like Cataract, Hysterectomy shall be covered after.
- Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered.
- Any illness or disease due to war or invasion.
Online Wellness Services
Online Wellness Solution
With your HealthGain Policy, we offer you various online services that give you access to health experts 24/7 as mentioned below.
- Ask a Doctor: Consult a panel of physicians online to discuss any health queries and you will receive an answer in a couple of hours. You can also participate in Live Chats with our physicians during the day.
- Ask a Specialist: For queries that require specialist's inputs, you can even consult with specialists in the area of gynaecology, paediatrics, oncology, cardiology and many more.
- Health Risk Assessment: An automated health-service toll that helps you to assess your own health.
- Get a Call from the Doctor: Request a telephone call from a general physician or a specialist to discuss any health issues on your phone.
- Get a Call from a Counsellor: Request a call from a counsellor to discuss any personal issues with work, family or any other inter-personal issues.
- Get a Personalised Diet Plan: Get easy access to a nutritionist in the Healthcare Magic panel to get a personalised diet plan via phone or email.
- Fix an Appointment: Fix appointments with doctors across India with our Healthcare Magic concierge service.
Documents Required to Buy the Policy:
An applicant has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.
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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