Reliance Hospital Cash Insurance Policy: Benefits, Premium & Coverage

Reliance Hospital Cash Insurance Policy

Reliance Hospital Cash policy is a health insurance plan that provides fixed hospitalization cash to cover ancillary expenses incurred during hospitalization due to an illness or accidental injury. It can be purchased in addition to the regular health insurance policy.

Reliance Hospital Cash Policy Overview

Reliance Hospi Care policy provides a lump sum cash benefit for each day of hospitalization. The daily hospital cash benefit amount is doubled if the insured is admitted to the ICU or the Intensive Care Unit. It provides a daily hospital cash benefit for over 150 surgical procedures and over 140 day care procedures. It also provides a lump sum amount for other surgeries that are not part of the covered list. Moreover, the policy also provides a lump sum amount to cover hospitalization due to dengue, malaria or chikungunya.

The Reliance Hospital Cash policy comes with hospital cash amount ranging from Rs 1000 to Rs 4000 per day. The number of hospital cash days available under the policy is 60 days. Besides, the policy also offers sum insured ranging from Rs 1,00,000 to Rs 10,00,000 for surgical procedures.

However, the Reliance Hospi Care policy comes with a deductible of one day if the insured is hospitalized for less than 7 days.

Reliance Hospital Cash Policy Eligibility Criteria

Criteria	Specifications
Minimum Entry Age	18 years
Maximum Entry Age	65 years
Coverage	Individual
Hospital Cash Amount	Rs 1000/2000/3000/4000 per day
Number of Hospital Cash Days	60 days
Policy Term	1 year/ 2 years/ 3 years
Pre-policy health check-up	Not required for up to 45 years
Pre-existing diseases waiting period	4 years
Deductible	1 day (if hospitalized for less than 7 days)
Discount	Loyalty discount, online discount, long term policy discount
Renewability	Lifetime

Key Features of Reliance Hospital Cash Policy

The Reliance Hospi Care policy comes with the following key features and benefits:

It offers a hospital cash benefit for up to Rs 4000 per day.
It provides double benefit cover if the insured is admitted to the ICU.
It offers daily cash benefit for more than 150 surgeries and 140 day care procedures.
It provides a lump sum benefit in case of hospitalization due to dengue, malaria and chikungunya.
It provides tax benefits available under section 80D of the Income Tax Act

Inclusions of Reliance Hospital Cash Policy

The Reliance Health Insurance covers the following under Hospi Care policy:

Surgical Procedure Cash - Offers coverage for surgical procedures up to Rs 10,00,000 during hospitalization due to an accidental injury or illness
Hospital Daily Cash - Offers a daily hospital cash benefit up to Rs 4000 during hospitalization
ICU Cash Benefit - Offers twice the daily hospital cash amount for a maximum of 15 days if admitted to the ICU
Day Care Treatment Cash - Offers a lump sum cash benefit of up to Rs 50,000 in case of day care procedures
Other Surgeries Cash - Offers a lump sum benefit of up to Rs 20,000 in case of non-listed surgical procedures
Hospitalization due to Dengue/ Malaria/Chikungunya - Offers a lump sum amount of Rs 20,000 if hospitalized due to dengue, malaria or chikungunya

Exclusions of Reliance Hospital Cash Policy

Any of the below-mentioned medical expenses will not be covered by Reliance Hospi Care policy:

Non-allopathic treatments
Pregnancy and related procedures
Treatment due to use of alcohol, drugs or other intoxicants
Intentional self-injury or attempted suicide
Outpatient treatment
Treatment taken outside India
Injuries due to participation in adventure sports
Cosmetic or plastic surgery
Dental treatment
Obesity treatments

FAQs

Q. Is there any waiting periods under Reliance Hospital Cash policy?
Yes. The Reliance Hospi Care policy comes with the following waiting periods:
- Initial waiting period - 90 days
- Specific illnesses and treatments - 2 years
- Pre-existing diseases - 4 years
Q. Do I need to appear for any medical test before buying the Reliance Hospital Cash policy?

You need to appear for a medical test before buying a Reliance Hospital Cash policy if you are more than 45 years old. However, applicants aged 46 years to 50 years do not need to appear for a pre-policy medical check-up if the opted sum insured is not more than Rs 5,00,000.
Q. Is floater coverage available under the Reliance Hospital Cash policy?

No. The Reliance Hospi Care policy does not provide floater coverage.
Q. Is there a way to reduce my Reliance Hospital Cash policy premium?
Yes. You can reduce your Reliance Hospital Cash policy premium by availing the following discounts:
- Loyalty discount - 10% savings on premium in case of an existing policy by Reliance General Insurance Company
- Online discount - 10% savings on premium if the policy is purchased or renewed online
- Long term policy discount - 10% savings on premium in case of 2 years or 3 years policy tenure
Q. Can I enhance the sum insured under the Reliance Hospital Cash policy mid-policy year?

No. You can enhance your sum insured or daily hospital cash amount only during the policy renewal.