Reliance Health Insurance

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

*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:

*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:

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