Reliance Health Insurance Overview

Mahatma Gandhi once said, "It is health that is real wealth and not pieces of gold and silver". Reliance General Insurance Company believes in these words and wants everyone to have a medical insurance policy. The mission of Reliance Health Insurance is to satisfy the health insurance needs of the people, offer the best customer service, innovate their products from time to time, and provide better reach across the country. Reliance Health Insurance plans are affordable, accessible and have been designed keeping the customers’ needs in mind with protecting the interests of the policyholders as their main goal.

COVID Vaccine Discount on Reliance Health Infinity Plans

Reliance General Insurance Company is offering up to 5% savings on premiums 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.

Reliance Health Insurance at a Glance

Key Features	Highlights
Sum Insured	Rs 50,000 to Rs 1 crore
Plan Type	Individual and Family Floater
Eligibility Criteria	Adult – 18 years to 65 years Child – 91 days to 25 years
Policy Tenure	1/2/3 years
Network Hospitals	7300+
Incurred Claim Ratio*	89.36%
COVID-19 Cover	Available
Cumulative Bonus	Up to 100%
Renewability	Lifelong
Initial Waiting Period	15 days/ 30 days (depending on the plan)
Pre-existing Diseases Waiting Period	2/3/4 years (depending on the plan)
Claim Settlement Ratio*	98%
Voluntary Co-payment	Available
Paperwork	Zero Paperwork
EMI Facility	Available
Tax Benefits	Saving up to Rs 1,00,000 under Section 80D, Income Tax Act, 1961

*As of the financial year 2019-20

Why Buy Reliance Health Insurance Plans?

Reliance Health Insurance offers affordable medical insurance plans with a wide range of sum insured options to choose from for individuals and families. Its health insurance plans can be purchased for individuals aged between 91 days to 65 years. The company has a wide network of over 7300 hospitals across India to avail cashless hospitalization facilities. Besides, it comes with no room capping and thus, the insured can get admitted to any room of his/her choice.

Under Reliance health insurance policy, the policyholder can avail reimbursement for both pre and post hospitalization expenses for a fixed number of days depending on the plan. The Reliance General Insurance Company assures a quick and efficient settlement of claims. At the end of each claim-free year, a cumulative bonus on the basic sum insured is provided at zero additional cost. It also provides free annual health check-up facilities under certain plans. Moreover, it offers a variety of discounts to help the policyholder save on the premium.

Reliance Health Insurance Plans

Reliance General Insurance Company offers eight types of health insurance plans to its customers. Take a look at them below:

1. Reliance Health Infinity Policy:
The Reliance Health Infinity policy is a popular health plan that provides coverage against hospitalization expenses, robotic surgeries, mental illnesses, AYUSH treatment, emergency ambulance charges, day care treatment, etc. Both individuals and families can buy this policy that comes with the More Options benefit. Take a look at the features and benefits of the Reliance Health Infinity policy below:
- It comes with a sum insured ranging from Rs 3,00,000 to Rs 1,00,00,000.
- It covers pre-hospitalization and post-hospitalization expenses for up to 90 days and 180 days respectively.
- It offers 5% savings on premium if the policyholder is vaccinated for COVID-19.
- It comes with the optional benefit of global coverage.
- It does not come with any sub-limits for room rent.
- It also offers online discount, existing customer discount, family discount and long term policy discount.
- It comes with a voluntary co-payment option of 10%.
2. Reliance Health Gain Insurance Plan:
The Reliance Health Gain insurance plan provides coverage to individuals as well as families on a floater basis. It is available in two plan types – Plan A and Plan B. It provides coverage for hospitalization expenses, organ donor expenses, AYUSH treatment, road ambulance, domiciliary hospitalization, modern treatments, day care treatments, etc. The varied features and benefits of the Reliance Health Gain policy are as follows:
- It offers sum insured ranging from Rs 3,00,000to Rs 18,00,000. The sum insured under Plan A is Rs 3,00,000 to Rs 9,00,000 and Plan B is Rs 12,00,000 to Rs 18,00,000.
- It gives a special discount of 5% for a single independent woman or girl child.
- Accidental death cover for No Claim Renewal for Rs 1,00,000 is available under Plan B only.
- It provides 100% reinstatement of the base sum insured if the policyholder has exhausted it completely.
- Senior citizens above the age of 65 years can be covered for a sum insured of Rs 3,00,000.
- The plan gets automatically extended by one year for free in case the insured is diagnosed with a named critical illness.
- Immediate & extended family members can be covered under thepolicy
- It also offers existing customer discount and long term policy discount to its customers.
- It comes with an EMI premium payment option.
- It offers a lifelong renewal of the policy.
3. Reliance Arogya Sanjeevani Policy:
The Reliance Arogya Sanjeevani policy is a standard health plan offered under the guidelines of IRDAI to individuals and families. This affordable health policy provides coverage for day care procedures, hospitalization expenses, modern treatment, AYUSH treatment, cataract treatment, etc. Check out the features and benefits of the Arogya Sanjeevani policy by Reliance General Insurance Company below:
- It comes with a sum insured ranging from Rs 1,00,000 to Rs 10,00,000.
- It covers pre-hospitalization & post-hospitalization expenses for up to 30 days and 60 days
- It offers a 5% cumulative bonus of up to 50% for every claim-free year.
- No pre-policy medical check-up for applicants up to 50 years
- It offers existing customer discount, family discount and standing instruction discount.
4. Reliance Corona Kavach Policy:
The Reliance Corona Kavach policy is an affordable indemnity policy that provides coverage against the hospitalization costs of COVID-19. It offers individual & floater coverage and also covers the cost of home care treatment & AYUSH treatment. Following are the features and benefits of the Reliance Corona Kavach policy:
- It comes for a sum insured ranging from Rs 50,000 to Rs 5,00,000.
- It covers children aged 1 day up to 25 years of age.
- Pre-hospitalization and post-hospitalization expenses are covered for 15 days and 30 days
- It covers the cost of consumables, such as PPE kits, gloves, masks, etc.
- It offers the hospital daily cash as an add-on cover with a sub-limit of 0.5% of the sum insured.
- No pre-policy medical check-up is
- The policy is available for a tenure of 3.5 months, 6.5 months and 5 months.
5. Reliance Corona Rakshak Policy:
The Reliance Corona Rakshak policy is a customized policy that provides a lump sum benefit to cover the medical expenses arising out of the treatment of COVID-19. The plan is available on an individual basis and requires a minimum continuous hospitalization of 72 hours at a government-authorized hospital. Take a look at the features and benefits of the Reliance Corona Rakshak policy below:
- It offers a sum insured ranging from Rs 50,000 to Rs 2,50,000.
- It is available for a policy tenure of 5 months, 6.5 months and 9.5 months.
- No pre-policy health check-up is
6. Reliance Personal Accident Insurance Policy:
The Reliance Personal Accident Insurance policy provides compensation in case the insured meets with an accident. It covers the insured against accidental death, permanent total disability and also provides child education benefit. Check out the features and benefits of the Reliance Personal Accident Insurance policy below:
- It comes with a sum insured ranging between Rs 5,00,000 to Rs 20,00,000.
- The policy can cover the entire family on an individual basis.
- It provides worldwide coverage.
- It comes with the option to get medical expenses cover.
- It offers a cumulative bonus of 5% for every claim-free year for up to 50%.
7. Reliance HealthWise Policy:
The Reliance HealthWise policy is a comprehensive policy that provides coverage to the entire family at an affordable premium. It provides coverage for hospitalization expenses, day care treatments, organ donor expenses, domiciliary hospitalization, etc. Take a look at the features and benefits of the Reliance HealthWise policy below:
- It offers a sum insured ranging between Rs 1,00,000 to Rs 5,00,000.
- It covers pre-hospitalization and post-hospitalization expenses up to 60 days and 90 days respectively.
- It also provides coverage for critical illnessesand modern treatments.
- It comes with complimentary benefits, including local daily hospitalization allowance, road ambulance service,recovery benefit, etc.
- It offers a 7% savings on premium for a girl child.
8. Reliance Critical Illness Policy:
The Reliance Critical Illness policy provides financial coverage to deal with the treatment cost of a critical illness. The policy provides a lump sum benefit to cover the insured against 10 critical and lifestyle diseases, such as cancer, kidney failure, third degree burns, etc. Following are the key features and benefits of Reliance Critical Illness policy:
- It comes with a sum insured ranging from Rs 5,00,000 to Rs 10,00,000.
- The sum insured is available on an individual basis.
- It does not require any pre-policy medical check-ups for applicants up to 45 years.
- It offers a No Claim Bonus for a maximum of 50% for every claim-free policy renewal.

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

Reliance Health Insurance Policy Coverage:

Following is a quick look at the various coverage offered by Reliance Health Insurance plans:

Hospitalization Expenses- Reliance health insurance plans cover the expense of hospitalization in case the patient is hospitalized for more than 24 consecutive hours.
Day Care Treatment– They cover the cost of daycare treatment for surgeries/procedures, where the insured requires less than 24 hours of hospitalization due to advanced technology.
Pre-hospitalization Expenses- Pre-hospitalization expenses coverage is also provided in these plans for medical expenses incurred before hospitalization for up to a specified number of
Post-hospitalization Expenses– Most Reliance health insurance plans cover medical expenses incurred after getting discharged from the hospital for up to the specified number of days.
Organ Donor Expenses- Most of these plans specifically cover organ donor expenses for up to a specified limit.
Domiciliary Hospitalization- The plans also provide coverage for domiciliary hospitalization if the insured requires home treatment on the doctor’s advice for more than a certain number of
AYUSH Treatment – The cost of availing treatment through AYUSH school of medicines, including Yoga, Ayurveda, Homeopathy, Siddha and Unani, is covered.
Road Ambulance Charges– They pay for the charges incurred by the insured on using ambulance services during a medical emergency.
Modern Treatment– Several Reliance Health Insurance plans cover the cost of modern treatment such as stem cell therapy, oral chemotherapy, robotic surgeries, etc.

Exclusions under Reliance Health Insurance Plans

Take a look at the exclusions of the Reliance Health Insurance policy below:

Any claims made for any medical expenses within the first 30 days of the plan start day will not be covered unless resulting from an accidental
Some specific illnesses or surgeries have a waiting period of two years from the policy start date, such as arthritis (non-infective), osteoarthritis all vertebrae disorders, joint replacement surgery, cataract, internal tumours, kidney stone/ ureteric stone/ lithotripsy/ gall bladder stone, etc.
Intentional self-injury
Injury caused under the influence of alcohol or drugs
HIV/ AIDS or STDs
Congenital diseases
Maternity or fertility-related conditions
Cost of spectacles, contact lenses and hearing aids
Dental treatment or surgery
Cosmetic or aesthetic treatment
Non-allopathic treatment
Self-medication
Unproven treatments

Steps to File a Reliance Health Insurance Claim

As soon as the doctor advises hospitalization, the policyholder must intimate Reliance General Insurance Company about it. The policyholder can either raise a cashless claim by visiting the network hospitals of the insurance company or a reimbursement claim by visiting a non-network hospital. Follow the steps given below to file a claim under a Reliance Health Insurance policy:

Network Hospitals across India

4000+ Cashless Network Hospital in India

Delhi

Gurgaon

Mumbai

Bangalore

Chennai

Hyderabad

Pune

Kolkata

Ahmedabad

Chandigarh

Reliance Health Insurance Network Hospitals

Claim Intimation:

Information to be kept ready while intimating the claim to the insurance company are as follows:

Policy number
Insured/claimant’scontact details (phone no., email id, address, )
Name of insured/claimant, who is hospitalized
Relationship of the policyholder with the person who is hospitalized
Name of the hospital
Nature of the ailment
Nature of the accident (For accident cases)
Date & time of the accident (For accident cases)
Location of the accident (For accident cases)
Commencement date of the symptoms of the ailment

Claim Process for Cashless Facility:

Steps to file a cashless claim under Reliance Health Insurance Plans are as follows:

Get admitted to a reliance General Insurance Company’s network hospital
Show the Reliance Health Card at the hospital
Fill up the "Cashless Request Form" available at the Third Party Administrator (TPA) desk at the hospital
Submit the filled-in pre-authorization form along with a copy of the Reliance health card to the TPA while getting to the hospital (Remember to carry a photo ID card)
The hospital sends the pre-authorization form to RCare Health and waits for their authorization.
Get treated at the hospital after the authorization is received
The insured/claimant should verify and sign all the bills during discharge.
Leave the original hospital discharge summary, investigation reports and other documents with the hospital after keeping a copy of these documents for record

Reliance Health Insurance Claim Process with Reimbursement Facility:

Steps to file a reimbursement claim under the Reliance Health Insurance plans are given below:

Intimate RCareHealth about the hospitalization
Get admitted to the non-network hospital and receive treatment
Pay the full hospital bill amount
Collect all the original hospital bills, medical documents and investigation reports at the time getting discharge from the hospital
Submit the required documents along with the claim form Tricare Health for processing the claims within 15 days of getting discharged from the hospital
The team will review the documents and settle the claim.

How to Apply for Reliance General Health Insurance Plans?

Health insurance plans offered by the Reliance General Insurance Company can be applied through multiple channels. Take a look at the steps to apply for a Reliance health insurance policy online and offline:

Online Process:

People can buy a Reliance health Insurance policy online on Policybazaar.com. They can also visit the company’s website to purchase the policy. Follow the steps given below to buy a Reliance Health Insurance policy:

Visit the website of Policybazaar Insurance Broker Private Limited
Go to the icon of ‘Health Insurance’
Enter the details regarding the people to be insured, such as age, medical history, etc.
Provide contact details
Choose a Reliance Health Insurance plan to be purchased
Pay the premium for the chosen plan
The policy will be issued on successful payment.

The customer must compare different health insurance plans before buying a policy. In case of any query, they can write to care@policybazaar.com.

Offline Process:

A person can buy a Reliance Health Insurance policy online using the following methods:

Individuals can simply call the sales helpline number of Policybazaar Insurance Broker Private Limited on 1800-208-8787and speak to the customer service representative to buy the policy.
They can leave their name, mobile number and email id on the website of com and request a callback.
Customers may also visit the Reliance General Insurance Company’s branch or get in touch with an insurance agent to buy a plan.

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

Reliance Health Insurance - FAQs

Q.1 How to pay a Reliance Health Insurance premium? What are the modes of payment available?
Ans: The premium for a Reliance Health Insurance policy can be paid through the following methods:
- Credit Card
- Debit Card
- Net banking
Q.2 How can I check Reliance Health Insurance policy status?

Ans: You can check the policy status online by visiting the website from where you have purchased the policy. Log in with your username and password and check the status of your Reliance Health Insurance plan.
Q.3 What is the Reliance Health Insurance policy renewal process?

Ans: The online renewal of a Reliance Health Insurance policy is fairly simple on the website of Policybazaar Insurance Broker Private Limited. Go to the option of renewing the policy online and provide your current policy number e-mail address or contact details. Review the details of your plan and pay the premium amount if you wish to renew the policy. As soon as you pay the premium, your policy will be renewed.
Q.4 Which documents need to be submitted to raise a Reliance Health Insurance claim?
Ans: The policyholder can raise a Reliance Health Insurance reimbursement claim by submitting the following documents to RCare Health:
- Duly filled Reliance Health Insurance claim form
- Copy of health card
- Copy of the insured’s ID card and policyholder’s PAN card
- Doctor’s prescription and treatment papers
- Investigation reports
- Copy of FIR (for accident cases)
- Original hospital discharge card
- Original hospital bills and payment receipts
- Cancelled cheque
- Attending doctor’s certificate stating the patient’s condition preventing hospitalization
Q.5. What is the policy cancellation process for Reliance Health Insurance?

Ans: To cancel a Reliance Health Insurance policy, submit the policy documents with a filled-in surrender form at the nearest branch of the insurance company. You can also write an email to the insurance provider requesting policy cancellation. Upon successful proceeding, the premium refund will be deposited directly in your bank account and the policy will stand cancelled. Do try to cancel your policy within the free-look period to avoid paying a cancellation fee.