Reliance Health Insurance Waiting Period: Check Plans & Get Covered Today!

Reliance Health Insurance Waiting Period

Reliance health insurance waiting period refers to the time period the insured has to wait before filing a claim with Reliance General Insurance. It is different for various diseases & medical conditions and varies from one Reliance health insurance plan to another. However, policyholders do not have to serve any waiting period to file a claim for accidental injuries.

Types of Reliance Health Insurance Waiting Period

Take a look at the different types of waiting period applicable to Reliance health insurance plans:

Reliance Health Insurance Pre-existing Diseases Waiting Period

This type of waiting period must be served to claim the treatment cost of a pre-existing disease (PED), such as hypertension, asthma, obesity, diabetes, etc.
Reliance Health Insurance Initial Waiting Period

Policyholders need to serve this waiting period to file a health insurance claim for non-accidental injuries and seasonal diseases.
Reliance Health Insurance Specified Disease/Procedure Waiting Period

This waiting period should be served to claim the medical expenses incurred on the treatment of specific diseases and procedures, including cataract, varicose veins, internal congenital anomalies, osteoarthritis, etc.
Reliance Health Insurance Critical Illness Waiting Period

The insured must serve this waiting period to claim critical illness cover and pay for the treatment cost of a critical illness.
Reliance Health Insurance Maternity Waiting Period

This waiting period needs to be served to file a claim under maternity insurance to pay for pregnancy and childbirth-related expenses.
Reliance Health Insurance Hospital Cash Waiting Period

The insured should serve this waiting period to avail a daily cash benefit for each day of hospitalization.
Reliance Health Insurance Vision Correction Waiting Period

Policyholders must serve this waiting period to claim the medical expenses incurred on vision correction of the insured.
Reliance Health Insurance Global Cover Waiting Period

This type of waiting period needs to be served in order to file a claim under a global health insurance policy to pay for medical expenses incurred outside India.
Reliance Health Insurance COVID-19 Cover Waiting Period

Policyholders should serve this waiting period to claim the treatment cost of COVID-19 under a coronavirus health insurance policy.
Reliance Health Insurance Disability Cover Waiting Period

This type of waiting period must be served to file a claim for any pre-existing disability of the insured.

List of Reliance Health Insurance Waiting Period

Check out the list of waiting periods that apply to various health insurance plans offered by Reliance General Insurance:

Type of Waiting Period	Waiting Period	Applicable Reliance Health Insurance Plans
Pre-existing Diseases Waiting Period	2 years, 3 years	All Reliance health insurance plans, except for Digital Care Management, Personal Accident, COVID-19 Protection Insurance, Corona Kavach, Corona Rakshak and Personal Accident 360 Shield plans
Initial Waiting Period	30 days	All Reliance health insurance plans, except for Digital Care Management, Personal Accident, Hospi Care Insurance, COVID-19 Protection Insurance, Corona Kavach, Corona Rakshak and Personal Accident 360 Shield plans
Specified Disease/Procedure Waiting Period	1 year, 2 years, 3 years	All Reliance health insurance plans, except for Digital Care Management, Personal Accident, COVID-19 Protection Insurance, Corona Kavach, Corona Rakshak and Personal Accident 360 Shield plans
Critical Illness Waiting Period	30 days, 90 days	Reliance Critical Illness Plan Reliance HealthWise Plan
Maternity Waiting Period	1 year, 2 years	Reliance Health Infinity Plan Reliance Yes Plus Health Insurance Plan Reliance Health Super Top Up Plan
Hospital Cash Waiting Period	90 days	Reliance Hospi Cash Insurance Plan
Vision Correction Waiting Period	2 years	Reliance Health Gain Plan
Global Cover Waiting Period	90 days	Reliance Health Global Plan
COVID-19 Cover Waiting Period	15 days	Reliance COVID-19 Protection Insurance Plan Reliance Corona Kavach Plan Reliance Corona Rakshak Plan Reliance Health Infinity Plan Reliance Health Gain Plan
Disability Cover Waiting Period	2 years	Reliance Specially Abled Health Insurance Plan

Note: The Reliance health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the Reliance Health Insurance Waiting Period?

Yes. The waiting period for pre-existing diseases can be reduced from 3 years to 2 years or 1 year with the Change in Pre-existing Waiting Period benefit under Health Infinity, Health Gain and Health Global plans. Similarly, the waiting period for specific illnesses can also be reduced from 2 years to 1 year with the Reduction in Specific Illness Waiting Period benefit under the Health Infinity plan.

However, the above benefits are available only on the payment of an additional premium.

Things to Remember About Reliance Health Insurance Waiting Period

Here are a few things to remember about the Reliance health insurance waiting period:

No waiting period has to be served to file a claim for accidental injuries of the insured.
Diseases or medical conditions diagnosed after buying the Reliance health insurance policy are considered pre-existing.
Some mediclaim policies allow policyholders to reduce their waiting period for pre-existing diseases and specific diseases by paying an additional premium.
The policyholder must serve both the waiting period and the survival period to raise a critical illness insurance claim.

Reliance Health Insurance Waiting Period: FAQs

Q1. What is the waiting period for Reliance health insurance?

Ans: The waiting period for Reliance health insurance plans varies from 30 days to 3 years, depending on the type of plan and the waiting period. Most Reliance health plans cover non-accidental expenses after 30 days, pre-existing diseases after 2 to 3 years, critical illnesses & overseas medical expenses after 90 days, specific illnesses after 1 to 3 years and maternity expenses after 1 to 2 years.
Q2. Can we claim Reliance health insurance immediately after buying?

Ans: Yes. You can claim your Reliance health insurance policy immediately after buying, but only for accidental injuries.
Q3. Can I claim Reliance health insurance after 1 day?

Ans: Yes. You can claim your Reliance health insurance policy after 1 day, but only to cover the treatment cost of your accidental injuries.
Q4. What is the maximum waiting period for Reliance health insurance?

Ans: The maximum waiting period for Reliance health insurance plans is 3 years for pre-existing diseases and specific illnesses.
Q5. Which Reliance health insurance starts immediately?

Ans: The Reliance Personal Accident, Digital Care Management and Personal Accident 360 Shield plans start coverage immediately without any waiting period.
Q6. What is the waiting period for Reliance Infinity health insurance?
Ans: The waiting periods for Reliance Infinity health insurance are:
- Pre-existing disease waiting period – 3 years
- Specific illness waiting period – 2 years
- Initial waiting period – 30 days
- Maternity waiting period – 1 year, 2 years
- COVID-19 waiting period – 15 days
Q7. What is a 2 year waiting period in Reliance health insurance?

Ans: A 2-year waiting period in Reliance health insurance requires you to renew your policy for two continuous years before raising a claim. The insurer comes with a 2-year waiting period for pre-existing diseases, specific illnesses, maternity expenses, vision corrections and disability cover.
Q8. What is the Reliance health insurance waiting period for senior citizens?

Ans: There is no separate waiting period for Reliance health insurance plans for senior citizens. However, senior citizens may have to serve a waiting period of up to 3 years for pre-existing diseases & specific illnesses, up to 90 days for critical illnesses and 2 years for vision correction, depending on their plan.
Q9. What is Reliance health insurance waiting period for family?

Ans: The waiting periods for Reliance family health insurance plans are 30 days for non-accidental expenses, up to 3 years for specific illnesses & pre-existing diseases, up to 2 years for maternity expenses and up to 90 days for critical illnesses & overseas medical expenses.

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*

Confused which plan to buy?

Get expert advice at your home

Book at your convenience

No obligation to buy

Trusted and reliable advice

Book a FREE home visit ›

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

Reliance Health Insurance Plans

HealthGain Policy

HealthWise Policy

Wellness Health Policy

Health Infinity Insurance

Health Insurance on EMI

Show More Plans

❮ ❯

Health Insurance Articles

Recent Article
Popular Articles

29 Jul 2025

What are Medical Expenses in Health Insurance?

Health insurance plays an important role in managing the financial

21 Jul 2025

Standalone Health Insurance Companies in India

With rising healthcare costs, health insurance has become a

17 Jul 2025

Difference Between Claim Repudiated and Claim...

Health insurance claims are extremely important in getting

19 Jun 2025

How to Find a Health Insurance Policy Number?

Medical emergencies arrive unannounced and can leave you with

12 Jun 2025

How to Increase Your Health Insurance Coverage...

Health insurance is an essential part of financial planning today

*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

*The values taken for effective cost calculation are indicative values and may change as per the selected plan.

*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

*The scope of coverage may vary from plan to plan.

~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

##On ground claim assistance is available in 114 cities

Tax Benefits are subject to changes in tax laws. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2027, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

Claude

Reliance Health Insurance Waiting Period