Reliance Health Insurance

(45 Reviews)
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Overview of Reliance Health Insurance

      Reliance Health Insurance is the health segment of the Reliance General Insurance Company Ltd. The company was formed in August 2000 as a fully-owned subsidiary of Reliance Capital, which is a part of the Reliance Anil Dhirubhai Ambani Group. It offers a variety of health insurance plans at pocket-friendly prices and has a huge customer base consisting of individuals, families, and senior citizens. 

      The Reliance General Insurance Company boasts of settling 98% of all the claims received. Besides, the company has earned an incurred claim ratio of 98.76% in FY 2021-22.

       

      Choose Reliance Health Insurance Coverage of Your Choice

      ₹3Lakh
      Reliance Health Insurance
      ₹5Lakh
      Reliance Health Insurance
      ₹10Lakh
      Reliance Health Insurance
      ₹50Lakh
      Reliance Health Insurance
      ₹1Crore
      Reliance Health Insurance

      Reliance Health Insurance Plans

      Reliance health insurance plans provide comprehensive medical coverage against a variety of diseases and medical conditions. Here is the list of various health insurance plans offered by Reliance General Insurance Company:

      For family
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 3 lakh
      Max. Coverage
      ₹ 1 crore
      For individuals
      Min. Age
      91 day
      Max. Age
      65 years
      Min. Coverage
      ₹ 1 lakh
      Max. Coverage
      ₹ 5 lakh
      For individuals
      Min. Age
      91 days
      Max. Age
      65 Years
      Min. Coverage
      ₹ 3 lakh
      Max. Coverage
      ₹ 18 lakh
      For critical illness
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 5 lakh
      Max. Coverage
      ₹ 10 lakh
      For individuals
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 10 lakh
      For COVID-19
      Min. Age
      1 day
      Max. Age
      65 years
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 5 lakh
      For COVID-19
      Min. Age
      18 years
      Max. Age
      65 years
      Min. Coverage
      ₹ 50,000
      Max. Coverage
      ₹ 2.5 lakh
      Min. Age
      5 years
      Max. Age
      70 years
      Min. Coverage
      ₹ 5 lakh
      Max. Coverage
      ₹ 20 lakh
      *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
      View more plans
      Reliance Health Insurance Plans in Detail:
      Reliance Health Infinity Insurance Plan

      The Reliance Health Infinity plan provides comprehensive coverage against a wide range of medical expenses incurred by individuals as well as families. It comes with a sum insured ranging from Rs 3 lakh to Rs 5 crore.

      Features & Benefits:

      • In-patient treatment without any room rent limit is available
      • Cost of ambulance services, special treatments and domiciliary hospitalization are covered
      • Mother and child care benefit, OPD cover and medical equipment cover are available
      • Super charger and air ambulance cover are available under the Smart Protector benefit
      • Double cover, transportation benefit and stay healthy renewal benefit are available
      • Limitless cover, including consumables cover, and More Options benefits are also available
      • No pre-policy check-up for up to 55 years
      • Voluntary co-payment option is available as an add-on cover
      Read more
      Reliance Health Gain Insurance Plan

      The Reliance Health Gain insurance plan provides coverage to individuals as well as families on a floater basis. The plan comes with a sum insured ranging from Rs 3 lakh to Rs 1 crore and is available in three types – Plus, Power and Prime. However, senior citizens above the age of 65 years can be covered for a sum insured of Rs 3 lakh.

      Features & Benefits:

      • Hospitalization expenses, ambulance charges and domiciliary hospitalization are covered
      • Accidental death cover, waiver of premium and extra sum insured benefit are available
      • Claim service guarantee, policy service guarantee and wellness services are covered
      • 100% reinstatement of the base sum insured, cumulative bonus and loyalty cover are available
      • Child care cover, home care treatment and second medical opinion are available as add-on covers
      • Health check-ups, reduction in PED waiting period and double cover can also be opted as an add-on
      • Option to buy guaranteed cumulative bonus and unlimited reinstatement of sum insured benefits
      • 5% discount to a single independent woman or girl child
      Read more
      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 is available for a sum insured ranging from Rs 50,000 to Rs 10 lakh.

      Features & Benefits:

      • In-patient care, special treatments and day care procedures are covered
      • AYUSH benefit and dental treatment & plastic surgery cover are available
      • Pre-hospitalization & post-hospitalization expenses for up to 30 days and 60 days are covered
      • Cataract treatment and emergency road ambulance cover are available
      • 5% cumulative bonus for up to 50% for every claim-free year
      • No pre-policy medical check-up for applicants up to 50 years
      Read more
      Reliance Personal Accident Insurance Plan

      The Reliance Personal Accident Insurance plan provides compensation in case the insured meets with an accident. It comes with a sum insured ranging between Rs 5 lakh to Rs 20 lakh.

      Features & Benefits:

      • Coverage for accidental death and permanent total disablement are available
      • Permanent partial disablement and temporary total disablement are also covered
      • Worldwide coverage is available
      • Education grant and the cost of carrying the dead body are covered
      • Option to get medical expenses cover is also available
      • 5% cumulative bonus is provided for every claim-free year for up to 50%
      Read more
      Reliance HealthWise Insurance Plan

      The Reliance HealthWise plan is a comprehensive policy that provides coverage to individuals and families at an affordable premium. It offers a sum insured ranging between Rs 1 lakh to Rs 5 lakh.

      Features & Benefits:

      • Coverage for in-patient hospitalization and domiciliary hospitalization are available
      • Pre-hospitalization and post-hospitalization expenses for up to 60 days and 90 days are covered
      • Critical illnesses, donor expenses and modern treatments are covered
      • Value-added covers, including daily hospitalization allowance, local road ambulance service, recovery benefit, nursing allowance and accompanying person’s expenses, are available
      • Change in room rent limit, voluntary aggregate deductible and co-payment are available as optional covers
      • Up to 7% savings on premium for girl children
      Read more
      Reliance Critical Illness Plan

      The Reliance Critical Illness plan provides financial coverage to deal with the treatment cost of 10 critical illnesses. The plan comes with a sum insured of Rs 5 lakh, Rs 7 lakh, and Rs 10 lakh.

      Features & Benefits:

      • Lump sum payment is made on the disease diagnosis
      • No pre-policy medical check-ups are required for applicants up to 45 years
      • 5% or 10% No Claim Bonus is granted for every claim-free policy renewal depending on the policy tenure
      Read more
      Reliance Health Super Top Up Plan

      The Reliance Super Top Up plan provides financial cushioning to the insured in case the base policy sum insured gets exhausted. The plan has an in-built deductible of Rs 2 lakh to Rs 30 lakh for a sum insured ranging from Rs 5 lakh to Rs 1.3 crore.

      Features & Benefits:

      • Cost of hospitalization, day care procedures and pre-post hospitalization are covered
      • Maternity cover, emergency ambulance cover and worldwide emergency cover are available
      • AYUSH treatments, modern treatments and domiciliary hospitalization are covered
      • 10% cumulative bonus for up to 50% is available on every claim-free year
      • Deductible buy-back plan is available as an optional cover
      Read more
      Reliance Hospi Care Insurance Plan

      Reliance Hospi Care Insurance is a hospital cash plan that pays a lump sum benefit to the insured in case of hospitalization. The sum insured for the policy ranges from Rs 1 lakh to Rs 10 lakh.

      Features & Benefits:

      • Lump sum payment is made to cover the cost of surgical procedures
      • Daily cash for in-patient hospitalization and day care procedures is paid
      • Double the daily cash amount is paid in case of an ICU stay
      • Coverage for hospitalization due to malaria/dengue/chikungunya are available
      • Daily cash allowance for non-listed surgical procedures are also covered
      • No pre-policy health check-up is required for up to 45 years
      Read more
      Reliance COVID-19 Protection Insurance Plan

      The Reliance COVID-19 Protection Insurance plan provides coverage to people who tested positive for the coronavirus disease. The policy comes with a sum insured of Rs 25,000 to Rs 2 lakh.

      Features & Benefits:

      • Cost of the COVID-19 diagnosis and quarantine are covered
      • Loss of pay and loss of job covers are available
      • Travel exclusion removal cover is also available
      Read more
      Reliance Yes Plus Health Insurance Plan

      The Reliance Yes Plus Health Insurance plan covers the cost of a variety of medical treatments and procedures on payment of a mandatory deductible. Although the sum insured varies from Rs 3 lakh to Rs 40 lakh, the deductible ranges from Rs 2 lakh to Rs 10 lakh.

      Features & Benefits:

      • In-patient treatment, day care treatment and domiciliary hospitalization are covered
      • Maternity cover, organ donor cover and ambulance cover are available
      • AYUSH treatments and modern treatment methods are covered
      • Coverage for both pre-hospitalization and post-hospitalization expenses are available
      Read more
      Reliance Digital Care Management Plan

      The Reliance Digital Care Management plan has been designed to cover the outpatient medical expenses of the insured. The policy sum insured ranges from Rs 1000 to Rs 5000.

      Features & Benefits:

      • Coverage for online medical consultations are available
      • Pharmacy expenses and investigation expenses are covered
      • Dental and ophthalmology cover is also available
      • Add-on covers, such as booking online medicines and booking online investigations & diagnostic services are available
      Read more
      Reliance Autoloan Care Insurance Plan

      The Reliance Autoloan Care Insurance plan provides financial support to pay off the auto loan in case the insured is diagnosed with a critical illness or dies in an accident.

      Features & Benefits:

      • Accidental death and permanent total disability are covered
      • Coverage for 12 critical illnesses are available
      • Loss of employment is also covered
      • Child care allowance is also available
      • A surviving period of 30 days is applicable to critical illnesses
      Read more
      Reliance Homeloan Protect Plan

      The Reliance Homeloan Protect plan helps to pay off the home loan amount in case the insured dies in an accident or gets diagnosed with a critical illness.

      Features & Benefits:

      • Coverage for accidental death and permanent total disability are available
      • 10 critical illnesses are covered
      • Loss of employment and child care allowance are available
      • Coverage for home and home contents are also available
      • A survival of 30 days applies to critical illness cover
      Read more
      Reliance Personal Loan Care Insurance Plan

      The Reliance Personal Loan Care Insurance plan offers financial coverage against the payment of a personal loan in case of accidental death or critical illness diagnosis.

      Features & Benefits:

      • Permanent total disability and accidental death are covered
      • Coverage available for 12 critical illnesses
      • Child care allowance and loss of employment cover are available
      • Critical illness cover gets activated after a survival period of 30 days
      Read more
      View more plans

      Why Should You Buy Reliance Health Insurance Plans?

      Here are some of the reasons why you must buy a Reliance health insurance plan:

      • Wide Range of Plans – The Reliance General Insurance Company offers a wide range of health insurance plans to customers that include customized plans for OPD coverage, COVID-19, critical illnesses, worldwide hospitalization, etc.
      • 24x7 Health Claims Assistance – The insurer has an efficient health claims team that is accessible for assistance round the clock.
      • Hassle-free Claim Settlements – Reliance health insurance plans come with a hassle-free claim settlement process that ensures quick dispersal of claims.
      • Tax Benefits – Customers can avail tax deductions on the premium paid to buy a health insurance policy under Sec 80D, Income Tax Act, 1961.

      How to File a Claim with a Reliance Health Insurance Plan?

      Follow the steps given below to file a claim under a Reliance Health Insurance policy:

      1

      Hospital Admission

      Get admitted to a network hospital of the Reliance General Insurance Company

      2

      Claim Intimation

      Inform Reliance General Insurance Company about your hospital admission. While you must inform about your emergency hospitalization within 24 hours, planned hospitalizations must be intimated at least 2 days in advance.

      3

      Show the Health Card

      Present the Reliance Health Card at the TPA helpdesk of the network hospital.

      4

      Fill Up the Cashless Request Form

      Complete the cashless request form available at the hospital cashless desk and submit it to TPA helpdesk

      5

      Cashless Request Form Submission

      The hospital will send the cashless request form to RCare Health along with the required medical details

      6

      Cashless Request Review

      RCare Health will review the cashless treatment request and will authorize the treatment if satisfied.

      7

      Sign Documents

      If the cashless request is approved, make sure to sign all the relevant documents during discharge from the hospital.

      8

      Payment to the Hospital

      The Reliance General Insurance Company will pay the claim amount to the network hospital directly.

      In the case of a reimbursement claim, pay the full hospital bill amount at the time of hospital discharge and collect all the original hospital bills, medical documents and investigation reports. Submit the required documents along with the claim form to RCare Health within 15 days of getting discharged. RCare Health will review the documents and pay the claim amount to you upon claim acceptance.

      Documents Required for Reliance Health Insurance Claim

      Check out the list of documents required to file a Reliance health insurance claim:

      • Duly filled and signed claim form
      • Copy of Reliance health card
      • First prescription by the doctor that mentions the start date of the symptoms
      • Investigation reports, such as X-rays, ultrasounds, etc.
      • Treatment papers
      • Original hospital discharge card
      • Original hospital, pharmacy & diagnostic tests bills and payment receipts supported by doctor’s advice
      • Copy of the FIR (for accident cases)
      • Copy of the insured’s ID card and policyholder’s PAN card
      • Cancelled cheque

      Reliance Health Insurance Network Hospitals

      The Reliance General Insurance Company enables its policyholders to avail cashless hospitalization facilities at all its network hospitals across India. Take a look at the various Reliance health insurance network hospitals located in various cities of India:

      How to Buy Reliance Health Insurance Plans?

      Follow the steps given below to buy a Reliance health insurance plan online:

      Step 1: Visit the website of Policybazaar Insurance Broker Private Limited

      Step 2: Go to the icon of ‘Health Insurance’

      Step 3: Enter the details about the people to be insured, such as age, medical history, city of residence, etc.

      Step 4: Provide the requested contact details

      Step 5: Choose a Reliance health insurance plan to be purchased

      Step 6: Pay the premium for the chosen plan online

      Step 7: The policy will be issued on successful payment.

      How to Renew Reliance Health Insurance Plans?

      The process for Reliance health insurance renewal is as follows:

      Step 1: On the homepage of Policybazaar.com, go to the ‘Renew Your Policy’ tab

      Step 2: Select ‘Health Renewal’ from the dropdown menu

      Step 3: Fill in your mobile number along with the received OTP to log in to your account

      Step 4: Choose the Reliance health insurance plan to be renewed

      Step 5: Cross-check the policy details and pay the premium online

      Step 6: The Reliance health insurance renewal will be done once the payment is received.

      How to Calculate Reliance Health Insurance Premium?

      Customers can calculate the premium of a Reliance health insurance plan by entering a few basic details in a health insurance premium calculator online. Check out the Reliance health insurance premium calculator given below to calculate the premium of any plan.

      Contact Details of Reliance Health Insurance 

      Here are the contact details of Reliance General Insurance Company:

      Categories Contact Details
      Phone No 022 4890 3009
      Senior Citizen Helpline No 022 3383 4185
      WhatsApp No 74004 22200
      Email Id rgicl.services@relianceada.com

      Reliance Health Insurance FAQs

      • Q4. How can I check the premium of a Reliance health insurance plan before buying?

        Ans: You can check the Reliance health insurance premium chart to find out the premium of a plan before buying it. You can also use a health insurance premium calculator to know the estimated premium for a plan.

      • Q5. What is the policy cancellation process for Reliance Health Insurance?

        Ans: To cancel a Reliance health insurance policy, submit the policy document 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 into your bank account and the policy will be cancelled. Do try to cancel your policy within the free-look period to avoid paying a cancellation fee.

      View more FAQ’s
      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*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      Reliance Health Insurance Reviews & Ratings

      4.5 / 5 (Based on 45 Reviews)
      (Showing Newest 10 reviews)
      Samgram
      Rebenanuagaon, March 12, 2021
      Helpful Customer Support
      I contacted the customer support of policybazaar.com 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 policybazaar.com you guys are superb!
      Parvesh
      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 policybazaar.com executive so I am thankful for it. I got the recommendation of the executive when I selected the WhatsApp help option of policybazaar.com. Through this, you get customized help from the customer service of policybazaar.com and you can select a policy as per your requirement.
      Jatin
      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.
      Vedansh
      Oachira, March 05, 2021
      Seamless Renewal
      The policy renewal process through policybazaar.com is seamless. The user-interface is simple so that even a novice like me can also renew his/her insurance plan by self.
      Avyaan
      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 policybazaar.com and want to thank them for suggesting me this policy.
      Sachin
      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. Policybazaar.com suggested me to buy this plan. I am satisfied and happy with it.
      Palak
      R.k.nagar, March 04, 2021
      Wide Coverage
      I purchased the Reliance Health Gain plan from policybazaar.com 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 policybazaar.com because I purchased this policy because of their recommendation.
      Hardik
      Laharpur, March 04, 2021
      Helpful Customer Support
      The customer support team of policybazaar.com is very helpful. I want to say this because when I wanted to renew my Reliance General Health Gain policy online, I contacted policybazaar.com as I bought this plan the last year. The customer care executive helped me throughout the renewal process.
      Aakash
      Rebenanuagaon, March 04, 2021
      Reliable website
      Here I want to say that policybazaar.com 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.
      Sambhu
      Udagamandalam, March 02, 2021
      Good Family Floater Plan
      I was looking out for a family floater health insurance policy and came across policybazaar.com. There I provided my details and got a recommendation for Reliance Health Infinity policy for my family. I went through the features of this policy over their website and found it most suitable. I would like to thank team policybazaar.com for their great help in selecting this plan.
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