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 Critical Illness Policy

Get up to 10% discount*
Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    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

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    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.


    Health insurance articles

    Recent Articles
    Popular Articles
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

    06 Sep 2022

    As we grow old, the chances of developing a disease or a medical...
    Read more
    Benefits of Multi-Year Health Insurance Plans

    25 Aug 2022

    Ever since COVID-19 entered our lives, health insurance has come...
    Read more
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    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
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
    Read more

    Download the Policybazaar app
    to manage all your insurance needs.