Reliance Critical Illness Policy

(45 Reviews)
Insurer Highlights

*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

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      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.


      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*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does ICICI Lombard Health Insurance Cover Cataract Surgery?

      21 Jun 2024

      Cataract surgery is an essential procedure for people seeking to
      Read more
      Father’s Day 2024: Gift Your Father Health Insurance This Year

      14 Jun 2024

      Father’s Day is celebrated every year on the third Sunday of
      Read more
      Does SBI Health Insurance Cover Dental Treatments?

      05 Jun 2024

      SBI General Insurance Company provides comprehensive coverage
      Read more
      Does ICICI Lombard Health Insurance Cover Dental Treatments?

      05 Jun 2024

      ICICI Lombard General Insurance Company offers various health
      Read more
      Does Reliance Health Insurance Cover Dental Treatments?

      04 Jun 2024

      Dental insurance is crucial in safeguarding oral health as it pays
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      10 New IRDAI Health Insurance Guidelines in 2024
      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.