Reliance Personal Accident Policy
vs
Premium Personal Guard
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Reliance Personal Accident Policy |
 Premium Personal Guard |
| Premium Including GST | ||
| Product Type | Individual | Accident 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) |
- | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | 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) |
- | Not 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) |
- | Not 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.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Applicable |
| Plan Entry Age | Minimum: 18 Years Dependent Children: 5 to 25 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | NA | 1300 |
| Plan Waiting Period | NA | N/A |
| Plan Coverage | Individual cover | - |
| Plan Sample Premium | NA | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | NA | 1 Year |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 87.50 | 93.54 |
| Solvency Ratio | 1.5 | 3.6 |
Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child education benefit and providing family security. Accidents are unfortunate incidents creating financial and emotional stress on the insured individual along with their family. There are multiple advantages of investing in a good personal accident policy. Reliance Personal Accident Policy offers multiple risk factors such as:
Reliance General Insurance Personal Accident Policy is an individual plan that offers a sum insured ranging between 5 to 20 Lakhs. A 5% increase in Sum Insured with each claim-free year is also available to customers with Reliance general insurance personal accident policy. The plan also provides individuals with worldwide coverage.
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