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.

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Reliance Critical Illness Policy

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    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.


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