Reliance Health Insurance

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About Reliance Health Insurance

Reliance General Insurance Company was established in 2000 and since then, has proved to be one of the most trusted insurance providers in the Indian market. The company has a wide range of insurance products, which are well-equipped and regularly updated to match the ever-changing needs of their customers.

Reliance health insurance plans come with a bucket full of benefits, which specifically targets the health-related expenses of its customers. With the strong support of network hospitals and pocket-friendly premiums, these plans are able to make a name for themselves in the market.


Network Hospitals7300+
Number of Branches139
No. of intermediaries28,900+

Table Data updated on 17-12-2020

Types of Reliance Health Insurance Plans

Reliance General Insurance Company has a handful of health insurance plans at its disposal, which strictly cater to the financial needs of the people at the time of a medical emergency. A deep insight of them is given below:-

1. Reliance HealthGain Insurance Policy

Reliance HealthGain Insurance Policy offers coverage to the policyholders against medical expenses. The plan is available on an individual and family floater basis and offers a wide range of benefits that makes it a comprehensive policy.


  • It offers pre and post hospitalization coverage up to 60 days.
  • Coverage for domiciliary hospitalization is provided up to 10% of SI (subject to a maximum of Rs 50,000).
  • In case of a life-threatening emergency, you can avail of the benefit of domestic road ambulance services (up to Rs.1,500).
  • The plan will automatically refill the full sum insured at no extra cost in case you exhaust your entire sum insured & cumulative bonus.

2. Reliance Health Infinity Insurance

Reliance Health Infinity is a comprehensive health insurance plan that offers medical coverage and comes with several benefits for the policyholder to ensure quick and worry-free recovery.


  • Coverage for up to 90 days of pre-hospitalization and up to 180 days of post-hospitalization expenses is provided by the policy.
  • The plan covers expenses (up to Rs.500) for transportation of the insured to the hospital via a cab.
  • Policyholders can grab a 10% discount if they buy or renew the policy online.


Entry AgeChild: 91 days to 25 years
Adult: 18 years to 65 years
Policy Period1 year, 2 years & 3 years
Sum Insured (in Rs.)3/5/10/15/50 lakhs & 1 crore

Table Data updated on 17-12-2020

3. Reliance Personal Accident Insurance Policy

Accidents put a full-stop on your daily livelihood. Financial loss and empty savings are its after-effects. With Reliance Personal Accident Insurance, the company will take care of your expenses, allowing you to fully concentrate on your recovery.


  • If you lose one eye/limb, the plan will offer 50% of the sum insured.
  • If you lose two eyes/limbs or one eye and one limb, you will get 100% of the sum insured.
  • In case the insured suffers an accidental death outside his/her residence, the plan will offer mortal carriage i.e. 2% of capital sum insured (maximum Rs.2,500) as transportation benefit.
  • If you are a victim of permanent total disablement, the policy will pay 100% of SI.

4. Reliance HealthWise Insurance Policy

Reliance HealthWise Insurance Policy is an affordable and comprehensive health insurance plan that takes care of your health care expenses.


The policyholder has the option to choose the sum insured options from Rs. 3 Lakhs, Rs. 6 Lakhs & Rs. 9 Lakhs.

The plan offers three variants to the policyholders and allows them to choose as per their needs. The three variants are:

  • Gold Plan
  • Silver Plan
  • Standard Plan

The plan offers coverage for pre & post hospitalization expenses (up to 60 and 90 days in the gold plan).

The policyholder will also receive reimbursement of the cost of medical check-up up to 1% of the average sum insured for individual policies and up to 1.25% for floater covers.

5. Reliance Critical Illness Insurance Policy

Acute diseases strike without an invitation. When that happens, you need a trusted friend, which can minimize its effects. Reliance Critical Illness Policy can do that for you. The policy ensures that you can concentrate on the treatment without worrying about your hospitalization and other medical expenses.


  • The policy covers 10 listed critical illnesses like cancer, heart valve replacement, third-degree burns, etc.
  • No medical tests are required for up to 45 years.


Entry Age18-65 years
Policy Period1 & 3 years
Sum Insured (Rs.)5/7/10 lakhs

Table Data updated on 17-12-2020

6. Reliance Arogya Sanjeevani

Reliance Arogya Sanjeevani Health Insurance offers medical coverage in unprecedented times to individuals and their families. They prove to be quite useful in the time of need.


The plan offers up to 50% of the sum insured for the below listed special treatments:

  • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Oral chemotherapy
  • Immunotherapy- Monoclonal Antibody to be given as an injection
  • Intra vitreal injections
  • Robotic surgeries
  • Stereotactic radio surgeries
  • Bronchial Thermoplasty
  • Vaporisation of the prostate (Green laser treatment or holmium laser treatment)
  • IONM - (Intra Operative Neuro Monitoring)
  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered

Get covered (without sublimits) for the treatments under Ayurveda, Unani, Siddha, and Homeopathy.

The plan covers pre and post hospitalization expenses (up to 30 and 60 days respectively).

You can also grab coverage (Rs.40,000 or up to 25% of SI, whichever is lower) for cataract treatment for one eye in a policy year.


Entry AgeChild: 91 days to 25 years
Adult: 18 years to 65 years
Policy Type​Individual and Family Floater​​
Policy Period1 years
Sum Insured (Rs.)1-5 lakhs

Table Data updated on 17-12-2020

7. Reliance Group Mediclaim Insurance Policy

Reliance Group Mediclaim is comprehensive health insurance that covers a group of people working in an organization. The plan looks after unexpected medical expenses and emergencies of the group members.


  • The plan covers pre and post hospitalization expenses (up to 30 & 60 days respectively).
  • Road ambulance charges are covered by the plan.
  • 7-1000 workers can be covered under the plan.


Entry Age18-60 years
Sum Insured (Rs.)50,000-1,00,000

Table Data updated on 17-12-2020

8. Corona Kavach Policy

Corona Kavach is an affordable health insurance policy that protects you and your family against hospitalization expenses that occur due to COVID-19.


  • The plan offers coverage against the medical expenses that occur during home treatment (maximum of 14 days during the policy period) for COVID-19.
  • The plan provides coverage (maximum of Rs.2000 per hospitalization) for the expenses incurred on road ambulance.
  • Pre hospitalization and post hospitalization expenses (up to 15 and 30 days) are also covered.


Entry AgeChild Age:​​​​ 1 day to 25 years
Adult Age: 18-65 years
Policy Period3.5 months​, 6.5 months and 9.5 month​s
Sum Insured (Rs.)50,000-5,00,000

Table Data updated on 17-12-2020

9. Corona Rakshak Policy

Corona Rakshak is an affordable health insurance policy that offers lump sum benefit to the insured if diagnosed with COVID-19 and requiring hospitalisation for a minimum continuous 72 hours.


Entry Age18-65 years
Policy Period3.5 months(105 days), 6.5 months​​​ (195 days) and 9.5 month​s (285 days)
Sum Insured (Rs.)50,000-2,50,000
Waiting Period15 days

Table Data updated on 17-12-2020

Why is Reliance Health Insurance The 'Man of The Hour'?

  1. Claim Ratio: As per the IRDAI report for the year 2018-19, the claim settlement ratio of the company is 94%, which means that the company has a good track record of clearing claims and making their customers happy.
  2. Investment: Reliance Health Insurance offers the best overall safety cover to the policyholder. One gets a chance to get a maximum return (during hospitalisation) at a fair investment (by the medium of premium).
  3. Tax Benefits: With every on-time payment of the premium, you get one step closer to get tax benefits.
  4. Wellness Programs: The company offers health care services and wellness programs to encourage its customers to stay fit.
  5. Easy Monthly Investment Options: The company offers health insurance on EMIs that eases the hassles related to a one-time annual premium payment.

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.

What Is The Process To Claim Reliance Health Insurance?

Reliance General has a very transparent and easy method of applying for a health insurance claim at the time of requirement. Let's take a look at it.

Cashless Claim:

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:

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 hospitalisation treatment to get the reimbursement.
  • The company will verify the claim request and transfer the payment on approval.

How To Contact Reliance Health Insurance?

Contact Number: +91 22 48903009​

WhatsApp Number: 7400422200

Email: rgicl[dot]services[at]relianceada[dot]com


Yes, you can. Just visit the website of Reliance General Company, enter your username and password in the login tab to check the status.

The plan offers coverage against:

  • Cancer
  • Open Chest Coronary Artery Bypass Graft (CABG)
  • Stroke
  • Multiple Sclerosis

Yes. The plan offers up to a 30% discount.

  • First doctor's prescription denoting the start of symptoms.
  • Hospital/medical shop/diagnostic centre bills and receipts.
  • All related treatment papers and prescriptions.
  • Diagnostic reports such as ECG, X-ray, etc
  • Discharge card from the hospital.
  • FIR report copy, if any.
  • Patient's pan card details (photocopy) and identification card.
  • Copy of Health card.
  • Others requested by the company.

Last updated on 17-12-2020