Reliance Health Insurance Claim Settlement Ratio

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      Reliance Health Insurance Claim Settlement Ratio

      Reliance General health insurance claim settlement ratio has been consistently good over the years, which makes it a great choice to buy health insurance online. The Claim Settlement Ratio (CSR) refers to the number of claims settled by the insurer as compared to the total number of claims received in a fiscal year. Generally, a CSR of more than 85% is considered ideal.

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      In FY 2021-22, the Reliance health insurance claim settlement ratio is 95.3%, showcasing that the insurer is trustworthy and can quickly settle all your claim requests. Moreover, the round-the-clock accessibility to insurer claim support is an added advantage.

      Claim Process of Reliance Health Insurance

      Reliance health insurance policyholders can either raise a cashless claim or a reimbursement claim. While lodging a claim with Reliance General Insurance Company, make sure that you have the following details handy:

      • Reliance medical insurance policy number
      • Contact details of the policyholder (contact no., email id, address, etc.)
      • Name of the person who is admitted to the hospital
      • Relationship with the hospitalized person
      • Hospital name
      • Nature of the disease and the date of commencement of the symptoms
      • Nature of the accident, if applicable
      • Time, date, and location of the accident

      Reliance Health Insurance Cashless Claim Procedure:

      The process to claim cashless treatment expenses under Reliance health insurance plans is as follows-

      • Take admission in any of the Reliance General Insurance Company’s empanelled hospitals
      • Intimate the insurer about your hospital admission at least 2 days before a planned hospitalization and within 24 hours of an emergency hospitalization
      • Present your Reliance health card at the Third Party Administrator (TPA) helpdesk of the hospital
      • Submit the duly filled cashless request form to the TPA desk
      • The hospital will share your cashless request form with the RCare Health team, and you will get approval after review.
      • Sign all the bills at the hospital during discharge
      • The hospital will send the bill to the insurer, and the bill amount will be paid.

      In case your cashless claim is rejected by the insurer, you must pay the bills from your own pocket while getting discharged from the hospital. Make sure to collect all the reports, bills, and other documents from the hospital and file a reimbursement claim with the Reliance General Insurance Company.

      Reliance Health Insurance Reimbursement Claim Process:

      • Inform the insurance company about your planned hospitalization at least 2 days prior and emergency hospitalization within 24 hours
      • Get treatment at the hospital and pay all the hospital bills
      • At the time of discharge, collect all the reports, bills, and documents (in original)
      • Submit all the supporting documents to the insurance company within 15 days of hospital discharge
      • The insurer will verify your documents and accordingly, pay you the claim amount.

      Documents Required for Reliance General Health Insurance Claim

      Here is a checklist of the documents that you need to submit while filing a claim for Reliance health insurance plans:

      Daycare Treatment/Hospitalization:

      • Claim form filled and duly signed by you
      • Doctor’s prescription stating the onset of the symptoms
      • Medical treatment papers
      • Diagnostic reports (like ECG, X-ray, etc.)
      • Original receipts and medical bills
      • Ambulance bill/receipt
      • Discharge card from the hospital (original)
      • In accidental cases, a copy of the FIR is required
      • Cancelled cheque
      • A copy of the Reliance Health card
      • Xerox copy of PAN card/ID card

      Domiciliary Hospitalization:

      • Reliance medical insurance claim form ( duly filled & signed)
      • The first prescription from the doctor (stating the date of the onset of the symptoms of the illness)
      • Doctor’s prescription and healthcare treatment papers
      • Medical investigation reports
      • Receipts and original medical bills
      • FIR report (in case of an accident)
      • Certificate from the medical practitioner recommending the treatment at home
      • Documents proof showing lack of accommodation in the nursing home/hospital
      • ID card
      • A cancelled cheque

      Critical Illness Claims:

      • Claim form
      • Doctor’s certificate with the diagnosis of the illness (stating the initial symptoms)
      • Radiology reports, pathology reports, and other investigation reports
      • Original receipts and hospital bills
      • Chemist bills
      • Hospital admission and discharge card/ certificate
      • Cancelled cheque/1st page of passbook
      • Identification card

      To know more about health claims, you can call our helpline number at 1800-208-8787. You can also email us at care@policybazaar.com.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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