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.
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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.
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.
|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|
|Incurred Claim Ratio*||89.36%|
|Cumulative Bonus||Up to 100%|
|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%|
|Tax Benefits||Saving up to Rs 1,00,000 under Section 80D, Income Tax Act, 1961|
*As of the financial year 2019-20
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 General Insurance Company offers eight types of health insurance plans to its customers. Take a look at them below:
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:
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:
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:
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:
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:
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:
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:
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:
Following is a quick look at the various coverage offered by Reliance Health Insurance plans:
Take a look at the exclusions of the Reliance Health Insurance policy below:
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:
Information to be kept ready while intimating the claim to the insurance company are as follows:
Steps to file a cashless claim under Reliance Health Insurance Plans are as follows:
Steps to file a reimbursement claim under the Reliance Health Insurance plans are given below:
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:
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:
The customer must compare different health insurance plans before buying a policy. In case of any query, they can write to firstname.lastname@example.org.
A person can buy a Reliance Health Insurance policy online using the following methods:
Ans: The premium for a Reliance Health Insurance policy can be paid through the following methods:
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.
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.
Ans: The policyholder can raise a Reliance Health Insurance reimbursement claim by submitting the following documents to RCare Health:
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.
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