Reliance Health Insurance for NRIs

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      Overview of Reliance Health Insurance for NRI

      Reliance Health Insurance for NRI offers comprehensive coverage to Non-Resident Indians (NRIs) against medical expenses incurred within India and abroad. It pays for OPD treatment, in-patient treatment and ambulance charges, amongst other medical expenditures. It also offers exciting benefits like double cover, premium waiver, stay healthy discount, etc.

       
      Reliance Health Insurance for NRI in Detail
      Reliance Health Gain Plan

      The Reliance Health Gain plan has a sum insured ranging from Rs 3 lakh to Rs 1 crore. It is available in three variants - Plus, Power and Prime.

      Coverage Benefits:

      • In-patient treatment, modern treatment and domiciliary hospitalization are covered
      • Accommodation bonus, extra sum insured and accidental death cover are available
      • Road ambulance charges and pre-post hospitalization expenses are covered
      • Optional covers, such as consumable cover, reduction in PED waiting period, convalescence cover, etc., are available
      • Hospital cash benefit, home care treatment and vaccination cover are also available as optional covers
      Read more
      Reliance Health Super Top Up Plan

      The Reliance Health Super Top Up plan offers a sum insured amount varying from Rs 5 lakh to Rs 1.3 crore. Similarly, the aggregate deductible in this plan ranges from Rs 2 lakh to Rs 30 lakh. The plan comes in two variants - Plan A and Plan B.

      Coverage Benefits:

      • Hospitalization expenses, AYUSH treatment and domiciliary hospitalization are covered
      • Maternity cover, worldwide emergency cover and ambulance cover are available
      • Organ donor expenses and pre-hospitalization and post-hospitalization costs are covered
      • Waiver of deductible for accidental claims and additional item cover are available
      • Deductible buy-back benefit is available as an optional cover
      Read more
      Reliance Health Infinity Plan

      The Reliance Health Infinity plan is available for a sum insured varying from Rs 3 lakh to Rs 5 crore.

      Coverage Benefits:

      • Coverage for in-patient care, special treatments and day care procedures are available
      • Pre-post hospitalization costs and emergency ambulance charges are covered
      • Transportation benefit, AYUSH benefit and domiciliary hospitalization are available
      • Home care treatment, OPD expenses and maternity expenses are covered
      • Consumables cover, reduction in room rent and change in PED waiting period are available
      • More Time, More Cover and More Global options are also available
      Read more

      Benefits of Reliance Health Insurance for NRI

      Take a look at the various benefits that NRIs can enjoy by buying a Reliance health insurance policy:

      • Global Cover - NRIs can avail medical coverage worldwide by opting for global coverage under the Reliance health plan.
      • Premium Waiver - With this benefit, the NRI would not have to pay a 1-year premium if the insured is diagnosed with a critical illness for the first time.
      • Restore Benefit - Most Reliance health insurance plans restore the sum insured amount once a year if it gets exhausted after a claim. The reinstatement of the sum insured is possible unlimited times a year if the unlimited restore benefit is purchased additionally.
      • Double Cover - NRIs can get twice their sum insured amount during the same claim with the double cover.
      • Stay Healthy Discount - Some plans offer a stay healthy discount of up to 10% on renewal premiums if the NRI share their annual health check-up reports with the insurer.
      • Cumulative Bonus - Policyholders can also earn a cumulative bonus every time they do not file a claim in the previous year.
      • Direct Claim Settlement - Reliance General Insurance Company processes claims directly as they do not involve any Third Party Administrators (TPAs).
      • Tax Benefits - NRIs can avail tax benefits on Reliance health insurance premiums under Section 80D, Income Tax Act.

      How to Buy Reliance Health Insurance for NRI?

      Given below are the steps that NRIs can follow to buy a Reliance health insurance plan:

      Step 1: Go to Policybazaar.com and click on the ‘Health Insurance’ icon

      Step 2: Choose the people to be insured and fill in their ages

      Step 3: Enter your city of residence in India or the pin code and choose your gender

      Step 4: Provide your full name, choose your country and enter your mobile number

      Step 5: Select the suitable option providing details of any past medical history

      Step 6: Pick the Reliance health insurance plan that the NRI wants to buy

      Step 7: Review the details and pay the premium amount online

      The Reliance General Insurance Company will issue the policy to the NRI.

      Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.

      How to Renew Reliance Health Insurance for NRI?

      Check out the steps that NRIs can follow to renew a Reliance health insurance plan:

      Step 1: Log in to the official website of Policybazaar Insurance Brokers Pvt. Ltd.

      Step 2: Go to the ‘Renew Your Policy’ tab and select ‘Health Renewal’

      Step 3: Choose your country code and provide your mobile number & the OTP received on it

      Step 4: First-time users of Policybazaar should click on ‘Health Insurance’ on the homepage

      Step 5: Fill in the requested details and choose the Reliance health insurance renewal plan

      Step 6: NRIs must cross-check all the details and pay the renewal premium online

      The Reliance health policy will be renewed by the insurance company.

      Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.

      How to File a Claim with Reliance Health Insurance for NRI?

      Here are the steps that NRIs can follow to file a claim under a Reliance health insurance policy:

      1

      Get Hospitalized

      Go to a network hospital of the insurance company and get admitted to avail cashless treatment.

      2

      Inform the Insurance Company

      The NRI must inform the Reliance General Insurance Company about emergency hospitalization within 24 hours and planned hospitalization at least 48 hours in advance.

      3

      Show the Documents

      Display the Reliance health card at the TPA helpdesk of the network hospital.

      4

      Submit Cashless Request Form

      Fill up the cashless request form available at the TPA helpdesk and submit it with a copy of the health card.

      5

      Seek Cashless Treatment Approval

      The hospital will send the form to the insurance company seeking approval for cashless treatment.

      6

      Cashless Treatment Approval

      The insurer’s claim team will review the submitted documents and approve the request upon satisfaction.

      7

      Claim Payment

      Once the insured is discharged, the hospital will send all the documents to the insurer. The documents will verified, and the claim amount will be paid.

      For reimbursement claims, avail the treatment and pay all the medical bills at the time of discharge from the hospital. Collect the documents and submit them to the insurance company within 15 days of discharge. The insurer will review the documents and pay the claim amount to you.

      Policybazaar exclusive benefits
      • On ground claims support(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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