Reliance General Insurance

4.9 / 5 based on 46 User Reviews
Incurred Claim Ratio - 92*
*Data according to IRDA Annual Report (2015-16)
*Please note that the quotes shown will be from our partners

Reliance General Insurance Company Overview

Reliance General Insurance Company Limited is known as a leading general insurance company in India. It offers a multitude of insurance products in health insurance, motor insurance, home insurance and travel insurance. The company has also launched India’s first over-the-counter health and home policies which guarantee complete satisfaction and convenience for its customers. With 139 offices and over 12,000 intermediaries across the country, Reliance General Insurance Co. enjoys its presence in every nook and corner of the country. The company provides its customers an easy way to access its wide array of products through a 24x7 call centre and a website.

Reliance General Insurance has been appreciated for its quality management system by international quality standards auditing organization – Det Norske Veritas (DNV). It is India’s first insurance company to be given ISO 9001:2008 certification for offering end to end services of general insurance products on an all India basis. It is the first non-life insurance company in India to work with a license from IRDA in 2000. Also, it was the only Indian company to win prestigious award of “Risk Management-Services Provider” for 2013 at Global Risk Awards. It won “Quality Council of India – D. L. Shah Quality Awards 2014 Commendation Award” for Financial Services.

Reliance Insurance Product Portfolio
Reliance Health Insurance Plans:

Reliance General Insurance Company is a trusted brand and has proved its worth in all business areas. It has revolutionised the insurance sector by innovative health Insurance Plans products and exemplary customer service. When you buy a health plan from Reliance General Insurance Company, you can be rest assured that you are in good hands.

Reliance HealthGain Insurance:

The Reliance HealthGain Policy is a perfect health insurance for unseen problems that one might face during treatment. One can buy the medical insurance policy with a sum insured of Rs. 3 lakh at any age. Sum insured options available are Rs. 3/6/9 lakh. Immediate and extended family members can be covered under an individual policy. It offers lifelong renewal. Cashless hospitalisat​ion is available in over 4000+ preferred network hospitals across India.

Reliance HealthWise Insurance:

This Reliance General Insurance plan is an online insurance cover that seeks to cover hospitalisation and related costs for the individual and the family comprising of your spouse and two children. It also covers home treatment, day care treatment and same-day procedures that do not need an overnight stay. The policy offers sum insured of Rs. 2-5 lakh in increments of Rs. 1 lakh. No medical checkups are required until the age of 45 years.

Reliance Critical Illness Insurance:

The Critical Illness Policy from Reliance covers costs associated with specific critical illnesses. It has an entry age of 18 to 65 years, and lifelong renewability. Medical tests are exempt up to the age of 45 years. The sum insured options are Rs. 5/7/10/15/20 lakh.

Reliance Car Insurance Plans:

Car insurance plans by Reliance General Insurance help you to escape from expenses on your car or any other vehicle due to any calamity and cover benefits of comprehensive motor insurance but also provide post accident assistance.

Reliance Two Wheeler Insurance Plan:

Your two-wheeler is the chariot that epitomizes freedom and two-wheeler insurance plans have been designed to set you free. These insurance plans from Reliance general Insurance offer hassle-free protection to your two-wheeler against physical damage, theft and third-party liability.

Reliance Commercial Vehicle Insurance Plan:

Your business depends on commercial vehicles so it is imperative to insure them. Commercial vehicle insurance protects your vehicle against own and third party damages.

Reliance Travel Insurance Plans:

Travel Insurance Plan by Reliance General Insurance gives you the benefit of travelling with confidence either abroad or in India thereby ensuring you a complete hassle free travel with peace of mind.

Reliance Overseas Travel Insurance

Reliance Travel Care Insurance Policy:

Reliance Travel Care Policy is a travel insurance policy to take care of emergencies when travelling overseas. It covers expenses due to lost passport, loss of check-in baggage​​​, missed flights, delayed or cancelled trips, emergency medical expenses incurred by the insured or his/her family members due to sudden illness, injury or death among other things. No medical check-up is required up until ​the age of 80 years. Cashless hospitalisation is available all over the world​​​​. The policy involves no paperwork ​and is available at an affordable premium.

Reliance Student Travel Insurance:

This Reliance General Insurance policy is designed for students and covers the insured against emergencies and contingencies that they may face abroad when pursuing further studies. Custom-made plans – Platinum, Gold, Silver, Standard and Basic are available for students depending on their requirements and that of the university. The policy offers comprehensive coverage through unique benefits like bail bond, study interruption, sponsor protection, etc. No paperwork and affordable premium enable stress-free overseas education for the students. No medical tests are required before the issue of the student health policy. Insurance claims are settled in a quick and hassle-free manner.

Reliance Annual Multi-trip Travel Insurance Plan:

The Annual Multi-Trip Travel Insurance policy is a travel insurance plan offering coverage to frequent international fliers for multiple trips in one year so that they don’t have to apply for insurance every time they travel abroad. The policy provides coverage for trips which are as long as 365 days. The coverage includes pre-existing ailments in case of life threatening situations. Cashless hospitalisation facilities are available all around the world​.

Reliance Senior Citizens Travel Insurance:

The Reliance Senior Citizen Travel Insurance policy has been specially designed for senior citizens, who are between the ages of 61 and 80 years and are travelling abroad. It involves no medical check-ups until the age of 80 years and no paperwork. Moreover, the affordable premium makes travel less stressful. The policy covers pre-existing ailments especially in case of life-threatening ailments and offers cashless hospitalisation all over the world.

Reliance Asia Travel Insurance:

The Asia Travel Insurance is a specially designed plan for travel in all of Asia except Japan. This Reliance General Insurance policy offers extensive coverage. One can choose from Silver and Standard plan variants. The settlement procedure is simple and fast. There is no paperwork involved and medical check-ups are not required until the age of 60 years. The policy also covers pre-existing ailments in case of life threatening and emergency situations.

Reliance Schengen Travel Insurance:

It is a unique plan offering a customised insurance cover meant specifically for individuals travelling on a Schengen visa to Europe. This specific travel insurance plan offers comprehensive coverage against medical emergencies, along with a host of value-added benefits for other unexpected contingencies. This Reliance general insurance policy provides coverage of pre-existing ailments in case of life-threatening ailments​.

Reliance Home Insurance Plans:

The Reliance Home Insurance Plans give you comprehensive cover for your home and its contents at a reasonable premium and help to safeguard your home and its contents in case of an ill fated event.

Reliance Householders’ Package Policy:

Householders’ Package Policy secures the content of the home and also makes life easy by providing access to a host of assistance services. It is a home insurance policy that safeguards everything under the roof. This Reliance General Insurance policy not only covers the home but also protects the family against unforeseen accidents. It covers the home and its contents like furniture, fixtures etc. Mechanical, electrical appliances and electronic gadgets are also covered. Protection against earthquake, burglary, fire or even terrorism related losses is provided.

Reliance Personal Accident Insurance:

Despite taking all precautionary measures, accidents do occur. This may lead to disablement or sometimes sudden death. To combat this problem, Reliance General Insurance have devised personal accident plans which provide compensation in case the insured sustains injuries, solely caused due to an accident, resulting in death, or permanent or temporary disablement.

Reliance Corporate Insurance:

Reliance General Insurance Company offers a variety of plans for the corporate sector.

  • Fire Insurance
  • Engineering Insurance
  • Marine Insurance
  • Liability Insurance
  • Package Insurance

Reliance SME Insurance:

Reliance General Insurance offers policies to safeguard the interests of small and medium enterprises.

  • Burglary & Housebreaking
  • Fire Insurance
  • Package Insurance
  • Marine Insurance
  • Group Mediclaim Insurance

It is advisable to compare all Reliance General insurance plans with plans from other general insurance companies in India to choose the best insurance plan that suits you the most.

Reliance General Insurance Distribution Network:

The Reliance General Insurance Company operates with the help of more than 200 branch offices spread across 173 cities and 22 states throughout the country. Moreover, the company provides for its customers easy channels of access to its products through its 24x7 call centre and a transactional website.

Reliance General Insurance - Latest News

  • Reliance General Insurance has healthy growth in net profit for FY16.

    Reliance General Insurance, a private general insurance firm saw a healthy growth in net profit for FY16. Now, it has taken a decision to expand its business into non-motor businesses such as property, health and marine. The motor business of reliance insurance company was a large part of the overall premium.

    It realized that the third-party segment will not lend a hand in making money, it is important to draw some other way. Last financial year, it was recorded that Reliance Insurance Company grew fire business by 30 per cent and marine by 10 per cent, which was much higher than industry growth. The main idea was to have a more holistic presence in the market.

    Reliance insurance understands the need of motor business where it can make money. On an average the motor business sector, grew 14 per cent, but reliance insurance company only grew two per cent. Reliance Insurance believes that the decision will help us improve the combined ratio and bottom line in the long run. It will provide an opportunity to grow the other parts of the book and eventually, ability to really put capital to new types of business can only happen when we take out some amount of capital from the high loss percentage products.

  • Reliance General Insurance Company is expecting a 3x growth from bancassurance

    Expecting a lot from the bancassurance division, Reliance General is foreseeing three times increase in its premium collection. The premiums collection is expected to hit a figure of Rs. 300 Crore in coming 3 years via its bancassurance unit.

    The CEO of Reliance General Insurance Company, Rakesh Jain, states that the open bancassurance structure would offer in better choices to its customers while choosing the appropriate insurance product. He also said that currently, the company has not more than 3 % of its business generating from the banks. However, the figure is expected to touch 10% in the upcoming 3 years.

    Talking in absolute numbers, the company’s premium collection out of insurance product sales through bank channels is expected to touch up to Rs. 300 Crores, he added.

    The insurer has by now started to look for partnership opportunities with various banks and is hoping to enter several alliances in the FY 2016.

    Last week Reliance General Insurance Company declared its first alliance with the leading private sector bank, IndusIand Bank. IRDAI has recently declared open bancassurance architecture for the providers of general insurance policies and allowed the banks to vend plans of various insurers. The rule has come into force since 1st April, 2016.

  • Reliance General Insurance Launches Twitter Campaign to Fight Child Labor

    Recently Reliance General Insurance partnered with Child Rights and You (CRY) and to raise awareness regarding the issue of child labor in India. The Twitter campaign named “DON’T EMPLOY LITTLE ONE” highlights that over 5.8 million children are working as child laborers in India.

    The participants of the campaign have not only taken an initiative to make financial donations to CRY to support this cause but are also actively tweeting pledges to fight child labor. According to reports, India has been rated as the country reporting the highest number of child labor cases among all south Asian countries.

    CEO of Reliance General Insurance, Mr. Rajesh Jain, has said that Reliance General Insurance Company is committed to promote safety for all children. He believes that every citizen has a responsibility to ensure child safety and child rights should not be taken away from children.

    He also concluded that every child should get an opportunity to grow and live their dream. Millions of children in India face exploitation -- they are engaged in child labor and have to battle for minimum wages while dealing with physical abuse. This joint initiative of CRY and Reliance General Insurance hopes to highlight and sensitize people towards this issue.

  • Reliance General Insurance Introduces value-added Services

    Reliance general insurance has officially started offering special service to its customers from home insurance unit despite the roadside assistance offered to the customers from its motor insurance unit. The company has also started going on retail with the assistance offered while motor insurance itself include the required assistance. This extension to the services offered is because of the Chennai Floods.

    The reason why these services are given extension is to make the insurer the first option to get assistance from, as the company has tied-up with individuals for tax filing, medical services, electrician etc.

    Most general insurance companies offer roadside assistance, Reliance gives this service an extension to include assistance for accidents right at the spot. Special services for female drivers include alternate car on highways, mechanics from nearby garages etc in emergencies.

  • Reliance Capital To Divest Stake in Reliance General Insurance

    Anil Ambani is in talks to divest stake in reliance general insurance by bringing a strategic investor in general insurance business. Executive Director of Reliance Capital told that 49% of stake in reliance general insurance can be taken by investors.

    He also mentioned that these stake sales will be finalized by next fiscal year. Though, Soumen Ghosh (Executive Director of Reliance Capital) did not disclose the names of potential partners.

    It is to be noted that reliance capital reported of Rs 235 crore fore December 2015 quarter, which is 10% more from last year figure. At present, Reliance holds 100 percent of stakes in the Reliance general Insurance.

  • Reliance Capital Divests Stake in Insurance Business

    Reliance Capital looks forward to bring in investors in its business of general insurance with 49% stake. Even though the investors have not yet been revealed, the company expects to finalize its deal of stake by the next financial year.

    The company recently reported its net profit to be Rs. 235 crore at the end of Q3 of FY’2015-2016, which leads the net profit of Rs. 213 crore, as per the statistics from the previous year. This financial growth by Reliance Capital is due to its mutual fund business that raised a net profit of 12% while company’s AUM (assets under management) climbed 24%.

    As per Soumen Ghosh, Executive Director at Reliance Capital, the prime source of company’s growth is its commercial finance business. The AUM growth rate was 19% each year with a net profit of Rs. 112 crore. Meanwhile, the life insurance arm of the company earned Rs. 8 crore as profit while general insurance arm bagged Rs. 15 crore.

Reviews for Reliance General Insurance

October 07, 2016

Great Policy

Better to get two wheeler insurance than spend money on vehicle after something happens. I got it from reliance general insurance company. Service is great and tow facility is my favorite among all.

October 07, 2016

'Coverage Is Good'

All I wanted to say that, my travel insurance policy is great. It provide me the all amount and reimbursed it quickly. Service is awesome no doubt in that. Just the return of the money of the cancellation of ticket is not possible. Rather than this, the policy is great.

October 07, 2016

FreeCar tow Service

My car insurance policy is fantastic which i purchased from reliance general insurance. Service is quick and executives of the company assist customers 24X7. Full body parts are secure in the policy including interiors of the car. Free Tow service is best.

October 07, 2016

Really trustable Insurers

Main thing for buying insurance policy is trust between customers and company. Reliance general insurance give full assurance and really good service 24X7 to every customer. Ambulance is free to serve policyholders. Renewals are easy to make through online portal. Good health plan, satisfied with it.

October 04, 2016

High Coverage Plan

If thinking of purchasing two wheeler insurance policy go for reliance general insurers. Best service by whole team to customers. Less premiums high returns. Policy coverage is ~89% and claims are even better. Tow service of the vehicle is for free.

October 04, 2016

Just got a good insurance

I have purchased a travel insurance through reliance general insurance. The policy is comes in less price and the facilities provided is awesome. Amount of lost luggage or belongings are reimbursed by the insurance company. The amount of the ticket is not refundable, except this all the things are very good.

October 04, 2016


Very important to have car insurance policy in this risky times. I have one from reliance general insurance at very low investment. Service is so awesome that even the renewal of the plan is done easily on online portal service given by the company. Tow service is free at any location.

October 04, 2016

Reliance health Plan

Big returns in less investment, my health insurance policy is the one which gives all this services in low premiums. Coverage is maximum claims are easy because of the service provided by the executives of the company.

September 02, 2016

Trustable Plan

Two wheeler insurance policy is very much important. It cover's the loss and reimbursed the amount of the vehicle. Service is quick and the tow facility is free of cost. Policy coverage and claims are high. Claiming procedure is very simple and the amount can be easily sanctioned.

September 02, 2016

Reliance Travel Plan

Reliance travel insurance policy of mine is fantastic with beneficial terms. First of all the service is superb and coverage is high. Policy premiums is less but the returns are good. Online updates are mailed and any information can be caught from website of the insurer.

September 02, 2016

Vehicle Security

Recently, I found car insurance policy on online with full coverage and it has more benefits. Service is fast given by executives and staff. Good amount of garages which facilitate awesome service. Tow service is at any location but may chargeable. NIce work reliance general insurance company.

August 29, 2016

Perfect Plan

Wonderful insurance policy i have from reliance general insurance. Great health insurance in less premiums. Coverage is maximum and claims are easy to make. Service you provided is fast and on time too.

August 23, 2016

Safe Investment Plan

Recently got a fine travel insurance policy in low premium. Policy coverage is high and it covers maximum expenditure. Claiming is easy because of fast service given by the executives and staff members. Updates are regularly mailed to me and online renewals is very easy through online portal, anybody can access it easily.

August 23, 2016

Good Policy

The car insurance i have purchased from reliance general insurance company is fantastic policy. Service is fast and tow facility is at any location for free. Large number of garages are working 24X7 which gives fast service to the customers.

August 23, 2016

Best Plan

The policy coverage of my insurance policy is very nice with low premium benefit. My health insurance plan is fantastic with high payback returns which i bought from reliance general insurance company. Updates are easily seen on the websites and the online renewal option is awesome.

August 17, 2016

Good Service

Very good coverage provided by my two wheeler insurance policy which i have taken from reliance insurance company. Policy premium is less and the paybacks are high. Good service provided by the company members and large number of garages are there for fast service.

August 17, 2016

Reliance Car Insurance

I have reliance car insurance policy in very less investment. It gives maximum benefits which cover maximum car damages except tires. The accidental death benefits are also there for owner/driver of the insurance policy. Tow facility is also for free of cost.

August 17, 2016

Maximum Benefits

Finally got the perfect health insurance plan from reliance general insurance. The policy has good coverage ~89% and the claims are high with easy sanctioning method. Service is quick facilitated by the members of the insurance company.

August 05, 2016

Two Wheeler Insurance

My reliance two wheeler insurance policy is great which provide's me maximum benefits in less investment. Policy coverage is high and claims is easy to approved. The paybacks are high and renewals are easy to made through online portal.

August 05, 2016

Fantastic Plan

My car insurance is good which provide's fast service. Coverage is huge and claims are easy to sanctioned by the help of executives and staff members of the company. Updates related to insurance policy is send regularly on my email address.

August 05, 2016

Health Insurance

Health insurance is very important insurance policy in this time. I bought one from reliance general insurance. Plan is fabulous and service is also fantastic. Ambulance service is for free at any location. Updates are also mailed regularly.

August 04, 2016

Bike insurance

Reliance bike insurance i purchased in very low premiums. The tow facility is available at any area for free. Except tires the vehicle is insure fully. The number of garages are high which gives services 24X7. Updates of the policy is send regularly to my email address.

August 04, 2016

Vehicle Security

The policy plan i have is two wheeler insurance from reliance insurance. The policy coverage and claims are high and the claiming is easy with the help of staff members and executives of the company. The service provided by you guys is fast and on time.

August 04, 2016


After long searching i got the insurance which has maximum benefits in low premiums. The policy coverage is approx. 89% and the claims are high which can be easily cleared by taking help from executives of the company.

August 04, 2016

Car Insurance Plan

Car insurance policy i have for my new car is fabulous which come's in low investment amount. Reliance car insurance is the best it give's me the best services and benefits. Policy coverage is high and claiming is easy task to do with the help of staff of the insurance company.