Reliance General Group Health Insurance

Benefits of Reliance General Mediclaim Insurance

There are several benefits of Reliance General Mediclaim Insurance. They are as follows:

• While purchasing the insurance policy, you can customize the insurance plan according to your requirement.
• Reliance group health insurance provides financial coverage to the employees as well as their family members such as spouses, kids and parents.
• Reliance group mediclaim policy provides cashless claims to the insured at any of the network hospitals.
• The insurance policy provides coverage for daycare procedures.
• The insurance company provides discounts at the time of renewal for favourable claim experience.
• Group health plan decreases employee turnover.
• Reliance group health insurance comes at a lower premium amount.
• The employer can benefit at the time of paying tax.
• Reliance group mediclaim policy provides coverage for regular health check-ups of the employees.

Value-Added Benefits of Reliance General Mediclaim Insurance

Here are some extra benefits of this policy:

• The insured can add a family floater clause in the existing policy at the time of renewal.
• There are options of pre-existing illness cover, coverage for maternity from day one and no waiting period.
• In case any employee needs an extra cover, the insurance company can provide it.
• The insurance company can extend the sum insured amount of the employees who have exhausted it.

Reliance Group Mediclaim Policy: Inclusions

Reliance General Insurance Group Mediclaim provides coverage for the following:

• The insurance policy provides coverage for complete hospitalization.
• The doctor consultation fee is also covered.
• Provides coverage for nursing as well as operation theatre charges.
• The anesthetist's fee is covered under the plan.
• Pre and post-hospitalization charges are also covered.
• The insurance plan provides coverage for medicines and drugs.
• Coverage for blood, oxygen and anesthesia is provided.
• The cost of surgical appliances, radiotherapy and pacemaker is covered.
• The cost of diagnostic material, dialysis, x-rays, and chemotherapy is covered.
• The insurance plan provides coverage for artificial limbs and organs as well.
• Reliance general group health insurance provides coverage for domiciliary hospitalization.
• Domiciliary hospitalization means treatment at home that is subjected to the medical condition due to which the insured cannot be shifted to the hospital.
• In case there is no space in any of the hospitals or nursing homes for the insured patient.
• Provides coverage for medical expenses for a number of days specified in the policy.
• Coverage for treatmemts where the insured patient does not have to stay at the hospital for more than 24 hours.

Reliance Group Mediclaim Policy: Exclusions

Reliance General Insurance Group Mediclaim does not provide coverage for the following:

• The policy does not provide coverage for vaccination and inoculation
• No coverage for cosmetic treatment
• There is no coverage for the cost of spectacles hearing aid and contact lenses.
• No coverage for HIV/AIDS treatment.
• No coverage for illnesses due to nuclear perils or wars.
• There is no coverage for pre-existing diseases.
• No coverage for illnesses that happens within the 30 days of purchasing the policy, unless because of an accident.
• No coverage of naturopathy is provided.
• No coverage is provided for the specified illnesses for the 1st year of the policy.

Reliance Group Mediclaim Policy: Eligibility Criteria

Reliance group mediclaim policy can be issued to the following:

• Small, medium and corporate enterprises employees and their dependents.
• Societies, clubs and other group members can purchase this policy.
• People with the maximum age who can enter the plan are 65, 60 and 55 for the standard, silver and gold plans respectively.
• People between the age of 5 and 80 years can get covered under the policy.
• If one of the parents is covered, the insurance policy will provide coverage for the children between the age of 3 months and 5 years.

How To Raise Claim Under Reliance Group Health Insurance Policy?

To raise claim under Reliance group health insurance policy, follow the steps given below:

• Inform Reliance General Insurance Company: Covered employees can inform the insurer about the illness after consulting with the doctor to keep them in the loop.
• Ask for Claim Form: after informing the insurer, you can ask them for the claim form.
• Keep Documents Handy: Keep the required documents handy as you will be required to attach the required documents with the claim form and then submit it.
• Look for Network Hospital: If you want cashless coverage then make sure to get admitted to one of the network hospitals.
• Reimbursement: If the insured did not get admitted to a network hospital, then the insured can raise a claim for reimbursement and the insurer will provide reimbursement coverage for the amount spent up to the sum insured amount fixed for that particular treatment.

How To Renew Reliance Group Health Insurance Policy?

Make sure to follow the steps given below to renew your Reliance group health insurance policy:

• Step 1: Visit the Official website of Policybazaar Insurance Brokers Private Limited.
• Step 2: Enter your policy number to get into your account.
• Step 3: Once you access your account, check the coverage and other important details.
• Step 4: You can add or remove any add-on as per your need.
• Step 5: Addition and removal of the add-on will increase or decrease the premium amount respectively.
• Step 6: Now, you can make the payment of the updated premium amount using a debit/credit card, UPI, net banking, etc.
• Step 7: Once the payment is done, the Reliance group health insurance provider will send the updated insurance policy to your registered mail as well as a hard copy to your registered home address.

Note* You must renew the insurance policy before the expiry date as the policy lapses if you fail to do so.