*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 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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Here are some of the reasons why you must buy a Reliance health insurance plan:
Follow the steps given below to file a claim under a Reliance Health Insurance policy:
Get admitted to a network hospital of the Reliance General Insurance Company
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.
Show the Health Card
Present the Reliance Health Card at the TPA helpdesk of the network hospital.
Fill Up the Cashless Request Form
Complete the cashless request form available at the hospital cashless desk and submit it to TPA helpdesk
Cashless Request Form Submission
The hospital will send the cashless request form to RCare Health along with the required medical details
Cashless Request Review
RCare Health will review the cashless treatment request and will authorize the treatment if satisfied.
If the cashless request is approved, make sure to sign all the relevant documents during discharge from the hospital.
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.
Check out the list of documents required to file a Reliance health insurance claim:
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:
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.
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.
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.
Here are the contact details of Reliance General Insurance Company:
|Phone No||022 4890 3009|
|Senior Citizen Helpline No||022 3383 4185|
|WhatsApp No||74004 22200|
Ans: The claim settlement ratio of Reliance Health Insurance is 98.6% in FY 2021-22.
Ans: You can check the status of your Reliance health insurance policy by visiting the website of the insurance company or getting in touch with Reliance health insurance customer care. You can also contact Policybazaar.com if the policy was purchased from them.
Ans: You can find the Reliance health insurance hospital list with the policy papers issued by your insurance company. You can also check the network hospitals list on the insurer’s website or Policybazaar.com.
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.
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.
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