Reliance Health Insurance

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.

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.

• 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.

• 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

• 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.

• 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.