Reliance Healthwise Policy
vs
Icici Lombard Golden Shield Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Reliance Healthwise Policy |
 Icici Lombard Golden Shield Plan |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Senior Citizen 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 | 10800 |
| 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 | 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 | 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) |
Not Covered | Covered |
| Plan Entry Age | 18 to 65 years | Min- 56 years, Max- No Limit |
| Plan Premium Entry Age and S/A | NA | NA |
| Plan Waiting Period | 30 | 30 Days |
| Plan Coverage | Individual/Family Floater | - |
| Plan Sample Premium | NA | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 year | 1/2/3 Years |
| ICU Charges | Not 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 | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 87.50 | 98.53 |
| Solvency Ratio | 1.5 | 2.5 |
Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes in 3 different variants, namely Gold, Silver, and Standard Plan. Individuals investing in the Reliance HealthWise Policy can avail of benefits like:
You are also entitled to value-added covers under the plan like daily hospital allowance, nursing allowance, road ambulance, recovery benefit, and more. Reliance HealthWise Insurance is available as an individual and family floater insurance plan.
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