Reliance Health Insurance

Reliance General Insurance Company Ltd is a leading health insurance company in India. The company has a huge customer base consisting of Individuals, subject matter experts, and corporate people. They look forward to satisfying the insurance needs of an individual at the crucial hour, offer the best customer service, fine-tune their products at different times, and provide them the better reach countrywide. They also look forward to making insurance as much affordable and easily accessible as they can while focusing on their operation in a consumer-centric way. In the meantime, they majorly aim at protecting the interest of the policyholder. They have around 139 offices and more than 12,000 intermediaries across the country, hence making them very reachable and accessible.

Their mission is to satisfy the insurance need at the crucial hour, offer the best customer service, innovate their products from time to time, and provide better reach across the country. Reliance Health Insurance plans more affordable & accessible, keeping the customers at focal point in their operations, and most important protect the interest of the policy holder.

COVID Vaccine Discount on Reliance Health Infinity Plans

Reliance General Insurance is offering a 5% savings on premium to customers who are vaccinated against COVID-19. This COVID Vaccine discount is available on the Reliance Health Infinity plan to all customers buying fresh policies or renewing their existing policies. Policyholders who have received either single or both doses of the COVID-19 vaccine will be eligible for this premium savings option. The discount will be applicable only once and will be in addition to other saving options available to the policyholder.

Why To Buy Reliance Health Insurance Plans?

Reliance Health Insurance Company offers affordable medical insurance plans with a wide range of options to choose from for the family. Its health insurance policy with an assured sum of Rs. 3 lakh can be purchased at the age of 3 years. The company has a wide network of over 4,000 hospitals across India to avail cashless hospitalization. Under religare health insurance policy, you can avail reimbursement of both pre and post hospitalization expenses for over 60 days each. The company assures for quick and efficient settlement of your claims. At the end of each claim-free year, a cumulative bonus of 33.33% on the basic sum assured is added at zero additional cost.

Reliance Health Insurance at a Glance:

Key Features


Network Hospitals


Incurred Claim Ratio




Waiting Period

4 years

Reliance Health Gain Insurance Plan:

Mahatma Gandhi once said, "It is health that is real wealth and not pieces of gold and silver." We, at Reliance General Insurance, take these words quite seriously and believe that everyone should have a medical insurance policy! 

Reliance Health Gain insurance plan with varied benefits as follows and one of its kind in the market:

  • It gives a special discount of 5% for a single woman or girl child.
    • Re-instatement of base sum insured, if you’ve exhausted the total sum insured on your health policy.
    • Sum assured of 3,00,000/-.
    • The plan gets automatically extended by one-year in case of a 'named critical illness'.
    • Immediate & extended family members can be covered under an individual policy
    • Lifelong renewal of your policy
    • Cashless hospitalisation in over 4000+ preferred network hospitals across India.   
    • Quick and hassle-free medical insurance claim​settlement.

As we proceed in explaining the benefits and coverage details of the plans, we must try to explain the basic two kinds of policy available in this plan. Please find the details below in tabular format for your easy understanding:




Hospitalisation Expenses



In-Patient Treatments

Day Care Treatments

Pre & Post expenses of Hospitalisation



Upto 60 Days




Upto 60 Days





Cumulative Bonus

33.33% on the base sum insured for every claim free year, subsequently 33.33% reduction in base sum insured for every claim made.

33.33% on the base sum insured for every claim free year, subsequently 33.33% reduction in base sum insured for every claim made.

Accidental Death Cover for no claim renewal


Rs.1,00,000 for the Insured

Insurance Renewal


An extension of 1 year of the policy is provided without charging any premium, if the policy holder suffers from the list Critical Illness.

Domestic Road Ambulance

Upto 1500/-

Upto 3000/-

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Reliance Health Insurance Policy Coverage:

 Here's a quick look at what your plan covers:

  • This reliance health insurance plan does cover the expense of hospitalization in case the patient is hospitalized for more than 24 consecutive hours.
  •  Day-care treatment for surgeries /procedures, where the insured person requires less than 24 hours of hospitalisation due to advanced technology.
  •  Pre-hospitalization coverage is also provided in this plans for medical expenses incurred after hospitalization, as per the plan this coverage is available for 60 days.
  • Donor expenses are covered in this plan specifically for organ donor upto 50% of the base sum insured with a maximum limit being 5,00,000/-.
  • This plan also provides coverage for Domiciliary Hospitalization, the same is only payable if the treatment extends more than 3 days.
  • At times when a human is surrounded with more of bad luck than the good one and he does manage to exhaust his sum assured and cumulative bonus then the Sum Insured is refilled at no extra cost.
  • This reliance general insurance plan gives you a unique feature of cumulative bonus; as in a bonus is awarded in a claim free bonus at the end of claim free plan period. The approximate bonus given is around 33.33% on the base sum insured at no extra cost. Please note that cumulative bonus in this plan can be made equivalent to the base sum insured.  However if any claim is made at any given period then the bonus earned shall be decreased by 33.33% of the base sum insured. Surely this amount shall not reduce the initial base sum insured in the plan.
  • Reliance Health Insurance Plan is very confident of its services and gives its claim service guarantee to its policy holders. In case of cashless claims if they are unable to respond within 6 business hours , even after completely filling the claim forms and documentation, they are not provide with the amount then they shall be liable to pay around 1% of the claim amount. In case of reimbursement the time limit is 21 days post completion of the claim process and proper document again then they are liable to pay 1% of the claim amount.
  • This plan offers you amazing discounts on various value added services, wellness service though online solutions. There are around 28 offers currently few of them are listed below:
    • 25% off on investigation at Metropolis.
    • 20% off on investigation at Vijaya Diagnostics.
    • 20% off on investigation at Dr. Jariwala Laboratory.
    • 20% off on investigation at Nahar Medical Centre.
    • 20% off on services at Basil Salon and Spa.
    • 15% off on treatments at Kaya Skin Clinic and 10% off on their products.
    • Upto 50% off on treatment & Spa services at Birla Kerala Vaidyshala.
    • 40% off on membership at Fitness One.
    • 20% off on Pathalogy and Imaging at SRL Diagnostics.

As we proceed with the details of the plans, now let us have a look at the Exclusions of the policy. Find below a robust list of exclusions as signified by Reliance Health Gain plan. This shall give us a clear and better picture:

  • In order to make Claims for any medical expenses that occur within 30 days of the plan start day will not be covered, unless they occur due to an injury.
  • Some of the illnesses or surgeries have a waiting period of two years from the plan start date:
  • Arthritis (non-infective),Osteoarthritis and Osteoporosis,Gout,Rheumatism,All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse),Joint Replacement Surgery, Cataract,Surgery of Genito-Urinary System, Internal Tumours, Skin Tumours, Cysts, Nodules, Polyps, Breast lumps (each of any kind), unless malignant,Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone.
    •  There are some disease / critical illness which are permanently excluded in this plan, please find them enlisted below:

Intentional self-injury / injury under influence of alcohol, drugs / criminal acts, biological injuries,Diseases such as HIV / AIDS or STDs, Congenital diseases (diseases present from birth), Maternity- or Fertility-related conditions, Cost of spectacles, contact lenses and hearing aids, Dental treatment or surgery, Treatment of mental illness, Cosmetic, aesthetic treatment, Non-allopathic, diagnostics , self-medication, unproven treatments.

Steps to file for claim of Reliance Health Insurance:

  • Doctor advises to the insurer hospitalization.
  • Intimation of your health insurance
  • Cashless – visit the network of hospitals, Reimbursement – visit the non-network hospitals and make the payment.
  • Submit your documents within 15 days of discharge for reimbursement.

Claim Intimation

Information to be kept ready while intimating the claim:

  • Policy Number
  • Insured/Claimant contact details (phone no. , email id, address, landmark etc.)
  • Name of Insured/ claimant person, who is hospitalized
  • Relationship of insured with the person who is hospitalized.
  • Name of the hospital
  • Nature of ailment-(For health claims)
  • Nature of  accident- (For accident cases)
  • Date & time of accident (For accident cases)
  • Location of accident (For accident cases)
  • Commencement date of the symptom of ailment

Claim Process for Cashless facility:

  • Get admitted in any one of Reliance General Insurance Network Hospitals
  • Show the Reliance Health Card at the hospital
  • Fill "Cashless Request Form" Submit the authorization form, along with a copy of the health card to the hospital at the time of admission (ensure to have a photo ID at this time)
  • Wait for the authorization from the hospital.
  • Insured/ Claimant verify and sign all the bills
  • Leave the original discharge summary and other investigation reports with the hospital
  • Keep a photocopy for your records.

Reliance Health Insurance Claim Process with Reimbursement Facility

  • Intimate Reliance Health Care of the hospitalization
  • Get admitted into the hospital
  • Pay the full hospital bills and complete the settlement.
  • Collect all the original bills, documents and reports at the time of discharge
  • File  your claim with Reliance Health Care for processing and reimbursement

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Applying for Reliance General Health Insurance Plans – Health Gain Plan

Health insurance plans offered by the company can be applied to through multiple channels like:

  • Individuals desirous of availing any plan can simply call the Sales helpline of the company and speak to the customer service representative.
  • They can provide their name, mobile number and email id on the website of the company and request for a call back
  • Online health insurance plans can be simply applied to by clicking the ‘Buy Now’ tab mentioned against the relevant plans. They also provide easy access to renew the plans online.
  • Lastly, customers may also visit the company’s branches or get in touch with an agent to buy the plans required.

Reliance Health Insurance - FAQs

Written By: PolicyBazaar
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 45 Reviews)

Reliance Health Insurance Reviews & Ratings

4.5 / 5 (Based on 45 Reviews)
(Showing Newest 9 reviews)
Rebenanuagaon, March 12, 2021
Helpful Customer Support
I contacted the customer support of for renewing my Reliance Health Gain Plan from their website and I want to say that they are very supportive. The customer care representative helped me throughout the renewal process. Thanks, team you guys are superb!
Udagamandalam, March 12, 2021
Satisfied with my health insurance plan
I am satisfied with my Reliance Health Insurance policy as it offered me wide coverage at an affordable premium. I purchased it as per the recommendation of the executive so I am thankful for it. I got the recommendation of the executive when I selected the WhatsApp help option of Through this, you get customized help from the customer service of and you can select a policy as per your requirement.
Baarod, March 09, 2021
Auto-refill of coverage
I wanted domiciliary hospitalization benefit. Thank you Policybazaar to help me buy Reliance health gain policy with home treatment cover up to Rs 50,000. Also, if my coverage limit gets finished then I will get it refilled. I have suggested this policy to my family members also.
Oachira, March 05, 2021
Seamless Renewal
The policy renewal process through is seamless. The user-interface is simple so that even a novice like me can also renew his/her insurance plan by self.
Rebenanuagaon, March 05, 2021
Fixed Benefit Policy
The critical illness policy of Reliance General Critical Illness provides coverage for 10 critical illnesses including burns, cancer, organ transplant, etc. It also offers various options in sum insured as well that range from Rs. 5 lakhs, Rs. 7 lakhs, and Rs. 10 lakhs. I bought it from and want to thank them for suggesting me this policy.
Fakirpur, March 04, 2021
An Affordable Policy
The Health Gain policy of Reliance General is an affordable policy that provides options in sum insured as well. I purchased this policy for Rs3 Lakhs sum insured and satisfied with the coverage and premium. suggested me to buy this plan. I am satisfied and happy with it.
R.k.nagar, March 04, 2021
Wide Coverage
I purchased the Reliance Health Gain plan from and want to say here that it provides wide coverage. From day-care treatment to post and pre-hospitalization expenses, it provides wide coverage. I want to here mention because I purchased this policy because of their recommendation.
Laharpur, March 04, 2021
Helpful Customer Support
The customer support team of is very helpful. I want to say this because when I wanted to renew my Reliance General Health Gain policy online, I contacted as I bought this plan the last year. The customer care executive helped me throughout the renewal process.
Rebenanuagaon, March 04, 2021
Reliable website
Here I want to say that is a reliable website. It provides you the best suggestions related to insurance plans. I bought Reliance Health Insurance policy as per the recommendation and ratings of this website and am very satisfied with my decision.

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