Reliance General Health Insurance is an independent subsidiary of Reliance Capital and a part of the Reliance Anil Dhirubhai Ambani Group. Started in the year 2000, the company has now 131 offices and more than 90,000+ intermediaries across India. Reaching out to them is super easy, you just need to call them and they are available for help. Reliance Health is now one of the top health insurance companies. In the last 2 decades, they gained trust, value, and a loyal customer base.
What does Reliance Health Insurance do?
Reliance Health Insurance offers several health insurance products like individual plans, family floater plans, critical illness plans, and group mediclaim health insurance policies to meet the healthcare needs of the various consumer groups. They offer a hassle-free purchase, renewal, and claim process as well.
Some Interesting Facts About Reliance Health Insurance
They offer very unique and exclusive plans for their customers.
You can purchase 1-year and 3-year plans from the company.
The claim settlement ratio of the company is 98.65%.
Some of the Awards and Achievements of the Company
World Leadership Congress and Awards, 2021
Business Leader of the Year
The Best Brand of the Year 2021.
India's Most Trusted Brand Awards, 2021.
Best Video Content in a 360-degree campaign.
Best General Insurance Company for Innovations.
All You Need To Know About Reliance Health Insurance? Find complete details in one go!
Available in Individual as well as Family Floater Plans, the plan offers comprehensive coverage with in-patient treatment, and several add-on features.
Unique Features
Avail waiver of premium
Consumables Covered
Cumulative Bonus of 33.33%
Health Gain Insurance Policy (Pros)
Second Opinion Cover
Vaccination Cover
Health Check-up Cover
Home Care Treatment
Vision Correction Cover
Health Gain Insurance Policy (Cons)
Unproven Treatments Unavailable
Overseas treatment Unavailable
Hazardous Activity not covered
Infertility Treatment not covered
Cosmetic Surgery unavailable
Health Gain Insurance Policy (Other Benefits)
Companion Cover
Child Care Cover
Radio Taxi Cover
Convalescence Cover
Air Ambulance Cover
Health Gain Insurance Policy (Eligibility Criteria)
An affordable health insurance policy that protects you and your family against hospitalization expenses that occur due to COVID-19.
Unique Features
Coverage up to 5L
Home cover available
Hospital daily cash cover
Corona Kavach Policy (Pros)
AYUSH Cover
Nursing Expenses Cover
Flexible Policy Period
PPE Kit Cover
ICU Cover
Corona Kavach Policy (Cons)
Dietary supplements unavailable
Obesity treatment unavailable
OPD not covered
Unproven treatments unavailable
Cosmetic Surgery unavailable
Corona Kavach Policy (Other Benefits)
Parents-in-law Cover
Road Ambulance Cover
Hospitalisation Expenses
AYUSH treatment Cover
Dependent Child Covered
Corona Kavach Policy (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 5 L
Waiting Period - 15 Days
Corona Plan
Corona Rakshak Policy
An affordable health insurance policy that offers lump sum benefits to the insured if diagnosed with COVID-19.
Unique Features
Coverage up to 2.5L
Affordable premiums
Avail lumps benefit
Corona Rakshak Policy (Pros)
71 hours of hospitalization benefit
Get 100% of SI back
Flexible policy
15 days waiting period
Tax Benefit
Corona Rakshak Policy (Cons)
Pre Existing Disease Not Covered
Obesity Treatment Unavailable
No Global Coverage
HIV/AIDS not covered
Cosmetic Surgery unavailable
Corona Rakshak Policy (Other Benefits)
Hassle-Free Claim Settlement
Road Ambulance Cover
Mild Symptoms Cover
Discounts on Plan
No Pre Policy Checkup
Corona Rakshak Policy (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 2.5 L
Waiting Period - 15 Days
Health Plan
Reliance Specially Abled Health Insurance
A plan designed to meet the needs of a specially-abled community. It covers the cost of hospitalization and many modern treatments.
Unique Features
9100 + Network Hospitals
Pre Existing Disease Covered
Specified Disease Cover
Specially Abled Health Insurance (Pros)
Affordable Plan
Modern Treatment Cover
Flexible Policy
Cataract Covered
Emergency Ground Ambulance
Specially Abled Health Insurance (Cons)
No War Injury Cover
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Specially Abled Health Insurance (Other Benefits)
AYUSH Cover
Road Ambulance Cover
Pre- Post Hospitalization
Tax Benefits
In- Patient Hospitalization
Specially Abled Health Insurance (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 4 L to 5 L
Waiting Period - 30 Days
Why Choose Reliance Health Insurance Plans?
Reliance General Insurance is one of the leading companies in the Indian Insurance Industry. They have health insurance policies that offer coverage up to Rs 5 Crore. There are many reasons for choosing Reliance Health for your health insurance coverage. Read below to know more.
More than 3 crore Policyholders
Reliance Health Insurance has gained the trust of more than 3 crore policyholders. No doubt it is a very popular health insurance company in India.
Superfast Claim Process
Reliance Health offers a superfast claim process. You can apply for the claim process online, even for a cashless claim or reimbursement.
Network Hospitals:
Reliance Health Insurance is empanelled with 9100+ network hospitals where a policyholder can easily avail of
the cashless facility. Cashless hospitalization allows you to get treated without paying any money from your pocket in case of a medical emergency. With such a large network of hospitals, you don't have to run here and
there to arrange funds for treatment during hard/critical situations. Along with a cashless facility, it also serves you with complimentary health checkups, pre, and post-hospitalization expenses, and provides coverage
for pre-existing illnesses.
Claim Support (Claims settled within 3 months):
Claim support tells you the ability of the company to settle claims in the stipulated time period and helps you understand the history of the insurance company.
It is important for the claims to get settled during times of need. The higher the percentage of claim support, the higher the ability of the company to settle claims. According to IRDAI Annual Report, Reliance Health
Insurance company settled 98.65% of claims within 3 months in 2021-22.
Annual Premium:
Reliance General Insurance has shown significant growth over the last years. The annual premium of the company as per the IRDAI Annual Report of 2021-22 is 9,408.96 crores.
Solvency Ratio:
The solvency Ratio is one of the important factors when selecting an insurance company that helps assess the ability of a
company to meet its financial obligation, thus providing financial protection to you and your family. You can check the solvency ratio on IRDAI'S website as it gets published annually in their reports. As of now, IRDAI
mandates maintaining a healthy solvency ratio of 1.5 i.e., called a healthy solvency ratio for every insurer. As per IRDAI Annual Report 2021-22, the solvency ratio of Reliance Health insurance is 1.67.
Lifelong Renewability:
Reliance Health Insurance offers a lifetime renewability option that saves you extra medical expenses and financial stress that occurs because of the treatments. This option keeps
you prepared to handle any hard/critical situation.
Know What is Covered- Inclusion
Illness and Injury Cover
If there is any requirement for hospitalization due to any illness or injury during the policy year, it will be covered by the policy.
Daycare Procedure
The health insurance policy by Reliance Health Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.
Hospitalization Cover
The expenses incurred due to hospitalization for 24 hours or more.
Pre and Post-Hospitalisation
There are some requirements before admission to the hospital, such as diagnostic tests and medicines will be covered by the insurance companies. Also, post-hospitalization, if there is any requirement for an ambulance or any others, the expenses are covered by the company.
What is Not Covered?- Exclusions
Treatment of diseases diagnosed during the first 30 days of the purchase of the policy
Expenses for obesity treatment, and weight control for certain cases
Plastic or cosmetic surgery unless due to illness/injury
Gender change procedure cost
Injury due to hazardous or adventure sports
Cost of breaching of law
Treatment cost against alcohol, drug, or substance addiction/abuse.
Cost for refractive error (vision).
Any unproven or experimental treatment cost
Medical costs due to war and war-like situations
Treatments taken outside India
Waiting Period in Reliance Health Insurance
The waiting period is the duration in which you have to wait before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending on the policy.
Reliance Health Insurance generally adds the following waiting periods:
Initial Waiting Period
This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
Pre-existing disease waiting period
As per IRDAI, pre-existing diseases are diseases that are diagnosed 1 month before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur. However, this waiting period does not apply to the group insurance.
Maternity Benefit Waiting Period
Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
Mental Illness Waiting Period
Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.
Factors to Consider While Buying A Health Insurance Plan
Thinking of buying health insurance? We understand that finding the right health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what are the things they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let's check out some of the factors that you should consider before buying a health insurance policy:
Individual or Family Floater Plan
Whenever choosing a plan, your first step should be to check whether your requirement is for yourself or your family. Most of the time family floater plans are beneficial for those who want to secure their family as it is cheaper than the individual one.
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help to meet the rising expenses. For this, it is also necessary to choose a policy that offers maximum coverage and amount for your health claims.
Co-Payment Clause
Every policy has some clauses that you need to follow. A co-payment clause is one of those clauses. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
Hospital Network
Always check the list of hospitals included in your policy. Keep in mind what kind of medical facilities you might need in the future.
Waiting Period
Look for the time you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
Lifetime Renewal
You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
Compare the Premiums
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims.
Why Choose Online Procedure to Buy Mediclaim Policy?
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more.
Easy to Compare
Online platforms give access to compare different health plans at the same place. You can pick the right one for you while comparing the premiums.
Buying Insurance within 5 minutes
At an online platform, you can choose and buy your policy within 5 minutes, without any extra hustle.
24*7 Customer Service
The experts are always at your service. No matter the time, you can contact them any time to clear your doubts.
Instant Quote
With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.
Benefits of Purchasing at an Early Age
Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.
Your premiums will be less at an early age.
At an early age, a continuous cover with renewals will help you to go out with the waiting period.
No medical test is required if you purchase health insurance at an early age.
You can avail a no-claim bonus for every claim-free year.
You do not need to share your medical bills as the co-payment is not applicable in this case.
How To Buy Reliance Health Insurance?
Buying Reliance health insurance is an easy and convenient process. Just follow the below-listed steps from the comfort of your home.
Visit the official website of Reliance General Insurance.
Click on the 'Health' tab, and fill the form.
Click on 'Check our Prices', and the next page will show you the premium details of the most suitable plan.
Click on 'Continue to Buy' and make the payment online.
Once done, the policy document will be sent to your registered email.
How to Renew Health Insurance Policy?
To avail of the benefits consistently, you need to renew your health insurance policy on time.
This will take you to the user dashboard. There you can make changes to the policy if needed or continue with the same policy term, benefits, and coverage amount.
To file a claim you need to follow the below steps.
Cashless Claims process
If you are admitted to one of Reliance's partnered network hospitals, you have to follow the below steps-
Intimate the company about your hospitalization as soon as possible.
Submit the authorization form along with the photo identity and health card copies at the TPA hospital desk.
The hospital will contact Reliance General for treatment approval.
Once everything is settled, the company will clear the treatment bills.
Reimbursement Claim Procedure
Here you have the option to get yourself treated at any hospital (apart from the network) and file for reimbursement with the following steps-
Inform the insurance provider about the hospitalization at the earliest.
Pay for the treatment and collect all the necessary documents (original copy) before you leave the hospital.
All original documents have to be submitted within 15 days of post-hospitalization treatment to get the reimbursement.
The company will verify the claim request and transfer the payment on approval.
Claim Process
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
Documents required while filing the claim
Duly completed and signed claim form, in original
Valid photo-ID proof
Medical practitioner's referral letter and prescription
Original bills, receipts, and discharge cards from the hospital/medical practitioner
Original bills from pharmacy/chemists
Original pathological/diagnostic tests reports/radiology reports and payment receipts
Indoor case papers
First Information report, final police report, if applicable
Post-mortem report, if conducted
Any other document as required by the company to assess the claim
How to Calculate the Premiums?
You can calculate your health insurance premiums online at Policyx. Our health insurance premium calculator is a tool that is designed to enable potential buyers to estimate the premiums that they need to pay.
Reliance Health Insurance Top-Up Plans
If you think, your current health insurance coverage is not sufficient to meet your healthcare needs, then you can opt for a Reliance Health Insurance Super Top-Up plan to provide supplement your coverage.
Choose Policyx for all your Reliance Health Insurance queries. We are:
IRDAI Approved:
The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
Free Comparison Service:
With PolicyX.com, you can easily compare the best Health Plans in India without paying the extra amount.
Compare 15 Companies in 30 Seconds:
With us, you can compare up to 15 companies in just a few seconds.
Buy Insurance withing 5 mins:
With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
24*7 Customer Service:
The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
Free Future Claim Assistance:
Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Reliance Health Insurance Network Hospital List
Reliance Health Insurance Network Hospitals are present in 34 states nationwide. With a wide network of hospitals, Reliance Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Reliance Health Insurance Company is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about Reliance Health Insurance Customer Care.
Reliance Health Insurance: Frequently Asked Questions
1. After opting for a policy, how can I check the status of Reliance Health Insurance?
Yes, you can. Just visit the website of Reliance General Company, enter your username and password in the login tab to check the status.
2. Are there any discounts available under the reliance Infinity Insurance Plan?
Yes. The plan offers up to 30% discount.
3. What are the diseases covered as "Critical Illness" under Reliance Health Gain Insurance Policy?
The plan offers coverage against:
Cancer
Open Chest Coronary Artery Bypass Graft (CABG)
Stroke
Multiple Sclerosis
4. How can I apply for the cancellation process of Reliance Health Insurance?
In order to cancel the availed policy, submit the policy documents along with the surrender form at the nearest branch. After the successful submission, the refund gets deposited in the respective bank account of the
policyholder.
5. How to pay the premium of Reliance Health Insurance plans? What are the modes of payment available?
The following methods are available for paying the premium for a Reliance Health Insurance policy:
Credit Card
Debit Card
Net banking
6. Does Reliance General Insurance pay the complete amount in case of cashless treatment?
In the case of cashless treatment, Reliance medical insurance pays all the pay for any admissible charges up to the limit of your sum insured.
7. Are daycare treatments covered by the reliance health insurance policy?
Reliance health insurance plans cover some daycare treatments that avoid the need for long hospitalization such as:
Chemotherapy
Dialysis
Lithotripsy
Radiotherapy
Curettage and Dilation
Tonsillectomy
Cardiac Catheterization
Other new surgeries/procedures
8. Is it possible to change the sum insured amount in the middle of a Reliance mediclaim policy?
No, you cannot change the sum insured amount in the middle of the policy tenure. However, you can change the sum insured amount at the time of renewal of the policy.
9. Is it possible to change the nominee midway through the Reliance mediclaim policy?
Yes, you can change the nominee at any time during the policy tenure. All you have to do is to intimate Reliance Health Insurance with the updated information.
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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