Reliance Health Insurance

(45 Reviews)

*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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      Reliance Health Insurance

      Reliance General Insurance Company Ltd is a leading health insurance provider in India. The company offers a variety of health insurance plans at pocket-friendly prices. It has a huge customer base consisting of individuals, families, senior citizens and corporate people.

      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.

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      Choose Reliance Health Insurance Coverage of Your Choice

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      Reliance Health Insurance Plans

      Reliance Insurance Company offers a comprehensive range of health insurance plans to the customers. The list of various health insurance plans offered by Reliance is given below:

      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

      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.

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      Let us discuss each insurance plan in detail
      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%.
      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. 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.
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      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.
      Read more
      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.
      Read more
      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
      Read more
      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%.
      Read more
      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.
      Read more
      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.
      Read more
      View more plans

      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.
      Read More

      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
      Read More

      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:

      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.
      Read More

      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 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

      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.
      Read More

      Reliance Health Insurance - FAQs

      • Q4. 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
      • Q5. 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.

      View more FAQ’s
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      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)
      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.
      Udagamandalam, March 02, 2021
      Good Family Floater Plan
      I was looking out for a family floater health insurance policy and came across 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 for their great help in selecting this plan.
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