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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 |
Icici Lombard Group Plan |
| Product Type | Individual and Family Health Insurance | Group Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
9100 | 10600 |
| 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 | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Applicable |
| Plan Entry Age | 91 days to 65 Years | Min- 180 days, Max- 95 years |
| Plan Premium Entry Age and S/A | NA | 1300 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual / Family Floater | Hospitalization expenses, pre and post hospitalization, daycare treatments, maternity add-on, diagnostic and surgical costs |
| Plan Sample Premium | NA | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 87.50 | 97.16 |
| Solvency Ratio | 2.35 | 2.69 |
|
ICICI Lombard Health Insurance Review |
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