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Reliance Health Personal Accident Policy covers individuals against accidental death and disability, along with multiple other benefits like child education and family security. Accidents are unfortunate incidents that create financial and emotional stress for the insured individual and their family. Investing in a personal accident policy offers multiple advantages. Reliance Personal Accident Policy offers compensation for various risk factors, including:
Reliance General Insurance Personal Accident Policy is an individual plan offering a sum insured ranging from 5 to 20 Lakhs. Customers can also avail a 5% increase in sum insured for each claim-free year. The plan also provides worldwide coverage.
| PLAN DETAILS |
Reliance Personal Accident Policy |
Iffco Tokio Family Health Protector Policy |
| Product Type | Individual | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
9100 | 8000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Covered |
| Plan Entry Age | Minimum: 18 Years, Dependent Children: 5 to 25 Years. | 18 to 65 Years |
| Plan Premium Entry Age and S/A | NA | 6,208 |
| Plan Waiting Period | NA | 30 |
| Plan Coverage | Individual cover | Hospitalization expenses, pre and post hospitalization expenses, daycare treatments, AYUSH treatment, organ transplant cover, domiciliary care |
| Plan Sample Premium | NA | 6,208 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | NA | 1 Year |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Covered |
| Ayush Treatment | - | Covered |
| Modern Treatment | - | Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 87.50 | 95.82 |
| Solvency Ratio | 2.35 | 1.85 |
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