Reliance Health Insurance for Parents
Insurer Highlights
People trust Policybazaar^
9.7 crore
Registered consumers
51
Insurance partners
4.9 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
Find affordable plans from Reliance
Select members you want to insure
More Members
Maximum child sum can be 4
Reliance Health Insurance for Parents
Reliance Health Insurance for parents are designed to offer extensive healthcare coverage for elderly individuals. These health insurance plans, offered by Reliance General Health Insurance Company, are meticulously crafted to address the unique medical requirements of parents. It encompasses many medical expenses commonly associated with this age group. Moreover, it boasts many valuable benefits aimed at providing essential support to parents during their golden years, including regular health check-ups, emergency assistance services, and more.
Reliance Health Insurance Plans for Parents
Here are the two Reliance Health Insurance plans that are suitable for your parents:
| Health Insurance Plan | Sum Insured | Pre-existing Diseases Waiting Period | Co-Payment |
| Reliance Health Infinity Insurance | Rs. 5 Lakhs to Rs. 5 Crores | 3 years | 10% or 20% based on policy conditions |
| Reliance Health Gain | Plus - 3 to 5 Lakh, Power - 10, 15 and 20 Lakhs,
Prime - 25, 30, 50 and 100 Lakhs |
3 years | 20% on the assessed claim amount.
For zone-wise co-payment, If the insured person of Zone B avails the treatment in Zone A, then a Co-Payment of 20% shall be applicable. |
Choose Health Insurance Company for Parents
Expand
Eligibility Criteria for Reliance Health Insurance for Parents
These are the requirements that must be met to purchase Reliance Health Insurance for your parents:
| Plan Name | Minimum Entry Age | Maximum Entry Age | Renewability |
| Reliance Health Infinity Insurance | 18 years | 65 years | Lifelong |
| Reliance Health Gain Insurance | 18 years | 65 years | Lifelong |
Key Benefits of Reliance Health Insurance for Parents
Explore the primary advantages of acquiring Reliance Health Insurance for your parents:
- Pre-Authorization Benefit: The insured person can request pre-authorization for inpatient care or daycare procedures to avail of the benefits.
- Transportation Benefit: The policy covers reasonable expenses for utilizing a registered radio cab operator's services for transporting the insured person to and from the hospital.
- Restoration Benefit: If the sum insured and other covers are exhausted, a restore benefit sum insured (equal to 100% of the sum insured) will apply to future claims made under the policy during that policy year.
- More Options Benefits: Additional benefits can be chosen at the time of policy inception, including MoreTime, MoreCover, and MoreGlobal.
- MoreTime: If opted, the policy will be extended by 13 months or 26 months, depending on the policy period chosen.
- MoreCover: If the sum insured and double cover are exhausted, a MoreCover sum insured will apply to claims made under the policy during that policy year.
- MoreGlobal: If opted, this benefit covers reasonable and customary charges towards the treatment of illness or conditions while travelling overseas.
- Tax benefits under Sec 80D of the Income Tax Act against the premium paid
Inclusions of Reliance Health Insurance for Parents
Reliance Health Insurance for parents includes the following coverage factors:
| Coverage | Reliance Health Infinity Insurance | Reliance Health Gain Insurance |
| In-patient hospitalization expenses | ✓ | ✓ |
| Pre-hospitalization medical expenses | ✓ | ✓ |
| Post-hospitalization medical expenses | ✓ | ✓ |
| Day care treatment | ✓ | ✓ |
| Domiciliary hospitalization | ✓ | ✓ |
| Road ambulance cover | ✓ | ✓ |
| Organ donor expenses | ✓ | ✓ |
| AYUSH treatment | ✓ | ✓ |
| Domestic emergency assistance services | ✓ (Under the name of Transportation Benefit) | X |
| International emergency assistance services | ✓ (Under MoreGlobal) | X |
| Modern treatments | ✓ (Under Special Treatments) | ✓ |
| Super reload | ✓ (Under the name of Restore Benefit) | X |
| Premium waiver | X | ✓ |
| International coverage for major illnesses | ✓ (Under MoreGlobal) | X |
| Personal accident cover | X | ✓ |
| Critical illness cover | X | ✓ |
| Daily allowance | X | ✓ |
Optional Inclusions (Purchased as Add-ons)
Here is the list of optional coverages you can opt for while buying Reliance Health Insurance for parents:
- Home Care Treatment: Medical expenses related to listed home treatments are covered within Sum Insured limits
- Voluntary Aggregate Deductible: Reduction of premium amount by opting for a Voluntary Aggregate Deductible
- Reduction In Specific Illness Waiting Period: Reduce the waiting period for specific illnesses to 12 months
- Medical Equipment Cover: Coverage for expenses incurred on Durable Medical Equipment up to 5% of SI (max ₹2.5 Lakhs) and Small Medical Equipment up to 1% of SI (max ₹20,000)
- Newborn Baby & Vaccination Cover: Coverage for vaccination and new born baby cover is provided up to Rs 1 lakh
- OPD Cover: Covers consultation with medical practitioners, diagnostic tests, dental treatment, and surgical treatments
Exclusions of Reliance Health Insurance for Parents
The subsequent medical costs are not covered in the Reliance Health Insurance plans for parents:
- Non-medical expenses
- Treatments due to alcohol addiction
- Obesity and weight control treatments
- Rest Cure, Rehabilitation, and Respite Care
- Hazardous or Adventure Sports
- External Congenital Anomaly
- Cost of contact lenses, spectacles and hearing aids
- Cosmetic or plastic surgery
- Treatment for baldness
- Intentional self-injury
- Experimental or investigational treatments
- Infertility treatments
- Treatment for sexually transmitted diseases
FAQs
-
Q1. Can an insured person migrate the Reliance Health Insurance policy to other health insurance products/plans the company offers?
Ans: Yes, an insured person can migrate the Reliance Health Insurance policy to other health insurance products/plans offered by the company by applying for migration at least 30 days before the policy renewal date as per IRDAI guidelines on migration. -
Q2. What does the OPD Cover in Reliance Health Infinity Insurance include?
Ans: The OPD Cover in Reliance Health Infinity Insurance includes coverage for consultations with medical practitioners, diagnostic tests, dental treatment, and surgical treatments. It also covers prescription drugs up to 35% of the OPD limit opted. -
Q3. Are cosmetic, aesthetic and re-shaping treatments covered under the Health Infinity Insurance Plan?
Ans: No, cosmetic, aesthetic, and re-shaping treatments are not covered under Health Infinity Insurance unless they are required because of illness or injury. -
Q4. How does the Reduction in PED Waiting Period add-on work in the Reliance Health Gain Insurance policy?
Ans: The Reduction in PED Waiting Period add-on cover in the Reliance Health Gain Insurance policy reduces the waiting period for pre-existing diseases (PED) to either 2 years or 1 year, depending on the policy. -
Q5. What is the Hospital Cash add-on in the Reliance Health Gain Insurance policy?
Ans: The Hospital Cash add-on cover in the Reliance Health Gain Insurance policy allows the policyholder to choose from daily cash options (₹1000, ₹1500, ₹2000, and ₹2500) for a maximum of 30 days for in-patient hospitalization and 15 days for ICU hospitalization. It requires a minimum hospitalization of 72 hours.
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
Reliance Health Insurance Plans
HealthGain Policy
HealthWise Policy
Wellness Health Policy
Health Infinity Insurance
Health Insurance on EMI
Show More Plans
Health Insurance Articles
- Recent Article
- Popular Articles
28 Mar 2025
OPD Health Insurance for Senior Citizens: What...
As people age, their health deteriorates over time, making them
Read more
27 Mar 2025
How OPD in Health Insurance Can Help You Save...
When it comes to health insurance, people usually focus on hefty
Read more
27 Mar 2025
What is IPD Full Form in Medical Terms?
The IPD full form in medical terms is "In-patient Department"
Read more
25 Mar 2025
What is OPD Full Form in Medical Terms?
In medical terms, OPD full form is “Outpatient Department”. It
Read more
28 Feb 2025
Does Health Insurance Cover Physiotherapy in...
Physiotherapy is commonly used to treat health issues that affect
Read more
*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
© Copyright 2008-2024 policybazaar.com. All Rights Reserved.
