Reliance Critical Illness Policy: An Overview

Reliance Critical Illness Policy provides comprehensive insurance benefits making the future of the insured future safe, by covering the expensive medical bills arising due to critical illnesses. Reliance Critical Illness policy is considered as one of the best products from Reliance General Insurance Co. Ltd. The plan covers all your hospitalization expenses and others. The Reliance Critical Illness policyholder can have the best treatment from any hospitals or nursing homes in India.

Reliance Health Insurance at a Glance:

Key Features


Network Hospitals


Incurred Claim Ratio




Waiting Period

4 years

Reliance Critical Illness Policy: Key Highlights

Coverage Type


Sum Insured

Rs 5,7, 10 lakh


1 & 3 years

Critical Illnesses Cover


Medical Test

Not required up to 45 years

Waiting Period

3 months

Survival Period

30/60 days

Coverage Offered

Any eligible person can opt for the Individual coverage option to buy Reliance Critical Illness plan, which covers 10 Critical Illnesses. Some of the basic coverage that the policy offers are as follows:

  • In-patient Treatment Cover-All hospitalization expenses, including charges for room rent, boarding, nursing, ICU, diagnostic tests, physician charges, drugs, blood, oxygen, and equipment charges, are covered up to sum insured.
  • Pre-hospitalization Cover- Pre hospitalization expenses are covered
  • Post- hospitalization Cover- Post hospitalization expenses are covered for the diseases and illnesses mentioned, up to the sum insured.
  • Organ Donor-Organ donor expenses, excluding the prices of organs, are covered by the Policy.
  • NCB Benefits-If there has been no claim made for the first year, then there will be a bonus of 5%. There is also a 10% no claim bonus on a cumulative basis for each claim-free year for a 3-year term, up to a maximum of 50%.

Inclusions of the Plan

Some of the inclusions other than the basic coverage of Reliance Critical Illness policy are as follows:

Emergency Ambulance Charges- Emergency and domestic on-road ambulance expenses are covered for the diseases mentioned.

Critical Illness Benefit- The insured is provided with the coverage for many critical illnesses, where the expenses of such treatments are divided into two categories:

Category 1

  • Cancer of specified severity
  • Multiple Sclerosis
  • Aorta Graft Surgery
  • Third Degree Burns
  • Major Organ / Bone Marrow Transplant

Category 2

  • Open Heart Replacement Surgery or Repair of Valves
  • Quadriplegia / Permanent Paralysis of all four limbs
  • Total Blindness
  • Coma of Specified Severity
  • Kidney Failure with Regular Dialysis


Exclusions of the Plan

Some diseases, illnesses, and conditions have been excluded from the policy plan of Reliance Critical Illness Policy. They are as follows:

  • Any pre-existing diseases that existed before the inception of the policy are excluded.
  • All critical illnesses within 3 months of the policy inception are not covered
  • Diagnosis or treatment by unproven methods is excluded.
  • Congenital illness, be it internal or external is not covered.
  • HIV/AIDS remains out from the list of inclusion.
  • Any injury caused due to war violence or nuclear weapons is not covered.

*For more information on the detailed list of exclusions, please refer to the policy document.

Features & Benefits of the Reliance Critical Illness Health Insurance Policy

Given below are the main features and benefits of the Reliance Critical Illness Health Insurance Policy:

  • The Policy has a duration of one and three years.
  • There are no medical tests up to 45 years.
  • There is a 30 days waiting period to avail this policy, followed by a survival period of 30/60 days upon detection of the illness.
  • This premium paid under this Policy is eligible for tax savings under Section 80D of the Income Tax Act 1961.

Eligibility Criteria

The minimum eligibility terms to avail this policy are as mentioned below:

Minimum Entry Age

18 years

Maximum Entry Age

· For 5 lakh cover:  65 years

· For 7 lakh cover:  60 years

· For 10 lakh cover:  55 years

No limit for policy renewal

Number of people covered


Residential Status

Residents of India and Indian Citizens

Cancellation of the Policy

For some reason, the policyholder wants to cancel the Reliance Critical Illness Health Insurance Policy. If so, one must give a 15 days' notice to the company.

There will be a 75% refund if it is within one month of the first year, 50% within 3 months and 25% within the first 6 months.

The insurer can also cancel the Policy if the policyholder on the grounds of fraud, misrepresentation and concealment of correct medical information.


Written By: PolicyBazaar - Updated: 15 April 2021

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