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Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance company. The plan allows customers to customize their policy by choosing features as per their needs and paying only for what they choose.
The plan provides coverage for daycare treatments, pre and post-hospitalization, expenses related to COVID-19, and other related hospitalization expenses. Reliance Health Gain Policy is available in individual and family floater options, and offers several benefits such as cashless facilities, restoration benefits, and other add-on features. This plan comes in 3 variants: Plus, Power & Prime.
With so many features and benefits, the Reliance Health Gain policy ensures that all your healthcare needs are looked after and you don't have to burden your pocket during a medical emergency.
Continue reading to explore more about Reliance Health Gain policy benefits and how it works.
| PLAN DETAILS |
Health Gain Policy |
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Bajaj Criti Care Illness Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
9100 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | 91 days to 65 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | NA | 3284 |
| Plan Waiting Period | 30 | 80/120 Days |
| Plan Coverage | Individual / Family Floater | Cancer treatment (early & advanced stages), Heart-related illnesses (heart attack, CABG), Kidney failure & transplant, Stroke and major neurological disorders, Lump sum payout on diagnosis |
| Plan Sample Premium | NA | 1280 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1/ 2/ 3 Years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 87.50 | 99.23 |
| Solvency Ratio | 2.35 | 3.25 |
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