Reliance Health Insurance

Highlights of Reliance Health Insurance

Network Hospitals	4000+
Renewability	Lifetime
Claims Ratio	84.71%
Pre-existing Disease	4 years
Grievances Solved	98.49%

Why Youngsters Should Go For Reliance Health Insurance Plan

No matter how much prepared we are, some problems enter in our life, unannounced. With the exposure to good education we all are aware about the importance and requirement of health insurance policy. Health problems are not something new but, with time new health illness have made recordable increase and same is with the cost of the medical treatment that is required for treating the health problems now a days. Medication world have shot up to the sky. Hence a health insurance become must.

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). Young people who start earning find it hard to invest and save at the same time; Reliance Health Insurance offers a good chance to save money during the time of health emergency by investing an affordable premium amount.

Health coverage

Reliance Health Insurance offers a cover against all odd health disease and expenses that occur because of that. Many times the measures which we take to be healthy and fit like eating fresh vegetables, workouts and etc. are not enough to be ready for health problems. Hence it is better to be ready for the health problems than to beg for money at every doorstep at the time of need.

Premium

A young body is less prone to health and that result in low premium amount. Premium amount to be paid when the policy seeker is young is much lower and affordable as compared to the policy seeker who looks for an insurance policy at old age. Hence age plays a very important role in deciding what will be the premium amount of your health insurance policy.

Tax Benefits

Youngsters might find it hard to understand the tax and its asociation conditions. For them, it is important to know that health insurance plans is refers to eb a great tax saving tool. It assists the insured with tax savings under Section 80D of the Income Tax Act, 1961.

Types of Reliance Health Insurance

Reliance Health Insurance offers a wide range of health Insurance plans and these plans are devised to meet the financial assurance needs of individuals and their families during times of medical adversity. Following are the plans offered by Reliance Health Insurance -

Reliance HealthGain Insurance Policy
Reliance Health Insurance on EMI Policy
Reliance Personal Accident Insurance Policy
Cashless Health Insurance Policy
Reliance Critical Illness Insurance Policy
Senior Citizen Health Insurance Plan
Reliance Healthwise Insurance Plan

Reliance HealthGain Insurance Policy

Reliance HealthGain Insurance is one of the best health insurance products by Reliance Health Insurance Company. Reliance HealthGain Insurance Policy is divided further into two variants- Plan A and Plan B to offer a broader comprehensive cover.

Features and benefits of the Reliance HealthGain Insurance Policy

Reliance HealthGain Insurance Policy offers the pre-hospitalisation for 60 days while post hospitalisation is covered for 60 days in order to meet the medical expenses of an individual.
Domicile cover under which the Reliance HealthGain Insurance Policy offers cover to the in-patient treatment expenses that occurs because of hospitalization of insured for more than 24 hours.
Reliance HealthGain Insurance provides domestic road ambulance services. It offers coverage up to Rs.1, 500 under Plan A and Rs.3, 000 in Plan B.
In case of any organ donation treatment then the expense that occurs due to this is covered up to 50% of the fixed sum assured amount.
Reliance HealthGain Insurance Policy provides a no claim bonus of 33.33% on the basic sum insured amount at free of cost for every claimless year.
Reliance HealthGain Insurance Policy also comes out with Tax benefits under Section 80C and 10(10D) of the Income Tax Act.

Eligibility of the Reliance HealthGain Insurance

Reliance HealthGain Insurance cover is available to persons between minimum eligibility age of 18 and a maximum eligibility age of 65 years.

Plan	Plan A	Plan B
Entry Age	5 years minimum & 65 years maximum	5 years minimum for individual/ floater and maximum 65 years
Policy Period	1 years and 2 year plans
Medical Tests	Plan Aged 45 years and above	Plan B Aged 18 years and above
Sum Assured	Rs.3 lakh, 6 lakh , 9 lakh	Rs.12 lakh, 15 lakh, 18 lakh

Exclusions of the Reliance HealthGain Insurance Policy

Any claim that is raised for the medical expenses of the policyholder in 30 days of the issuance date, then reliance health insurance would not be liable to cover the same.
Any expense that arises due to the treatment of maternity or any fertility related condition of the policyholder is also not covered under the Reliance HealthGain Insurance Policy.

Reliance Health Insurance on EMI Policy

Health-related problems are increasing at a very fast rate due to various lifestyle disorders. With the inflation prices of medication is also skyrocketing. Even the most basic and simple health insurance can burn a hole in the pocket of the customer. Reliance HealthGain Policy on EMI gives an opportunity to take up the hassle free treatment related to the policyholder so that he/she can focus only on his/ her recovery without worrying about the expenses. Reliance Health Insurance Policy on EMI as a comprehensive health insurance policy is available in 4 easy instalments. Under this policy, the base sum insured is reinstated in case you've exhausted the total sum insured on your medical treatment.

Features and Benefits of the Reliance Health Insurance Policy on EMI policy

Reliance HealthGain Policy on EMI provides a discount of 15% on Reliance HealthGain Policy.
It is a host of options to select from a family floater health insurance policy, cashless health insurance policy, senior citizen health insurance policy, individual health insurance policy. Also, Policyholder can choose a sum insured from a sum of 3 lakh, 6 lakh and 9 lakh.
Any type of Day-care treatment for surgeries /procedures, where the insured person requires less than 24 hours of hospitalisation due to advanced technology which is suggested and allowed by the hospital official is also covered under Reliance HealthGain Policy on EMI.
In-patient treatment is offered to the policyholder for illnesses /injuries caused to him/ her, where the insured person is hospitalised for more than 24 consecutive hours is also covered under Reliance HealthGain Policy on EMI.
If the policyholder doesn’t make any claims on the Reliance Health Insurance Policy on EMI tenure for a year, then he/ she can earn a cumulative bonus of 33.33% on the total base sum insured, at no extra cost. However, the cumulative bonus can be accumulated equal to the amount of base sum insured.
Expenses of the policyholder for domestic-road ambulance services to the nearest hospital in case of life-threatening emergencies are also covered up to Rs 1,500 and up to Rs 3,000 under Plan A and Plan B respectively.
Sometimes it is not possible to move the patient to a hospital because of their condition or lack of accommodation at the hospital. In such cases, the patient can be treated at home. This is called ‘domiciliary hospitalisation’ it is also covered under the Reliance Health Insurance Policy on EMI.
If policyholder exhausts his/ her entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, then Reliance Health Insurance will refill the full Sum Insured at no extra cost.

Variety of options	Family floater mediclaim policy, individual health insurance plans,cashless health insurance, senior citizen health insurance
Claim Settlement	Quick and hassle-free
No Claim Bonus	Available
Renewability	Lifelong
Additional Benefits	Value added wellness services

Exclusions under the Reliance Health Insurance Policy on EMI

Any conditions, ailments, injuries or related conditions, which the insured person, didn’t show any signs of, and /or which were diagnosed, and / or for which he/ she received medical advice / treatment within 36 months, prior to the policy start date is not covered under Reliance HealthGain Policy on Instalments policy.
Reliance Health Insurance Policy on Instalments does not offer any cover for the Non-allopathic, diagnostics, self-medication, and any unproven treatment.

Reliance Personal Accident Insurance Policy

The accident is an unpredictable and uncontrollable event. No matter how planned we expense and mental trauma that is caused to the individual. Even if you are extremely cautious on the roads, your safety is not guaranteed. Hence accidental health insurance becomes a necessity. Reliance Personal Accident Insurance Policy offers financial security, assistance in odd hours of assistance and etc. A Reliance Personal Accident Insurance offers financial compensation in the event of bodily injuries leading to total/partial disability or death caused due to accidents. This Reliance Personal Accident Insurance policy ensures the financial stability of an individual and his family if he/she gets injured or unfortunately dies in an accident.

Benefits of the Reliance Personal Accident Insurance Policy

Reliance Personal Accident Insurance offers 100 % of the sum insured on the accidental death of the insured person.
In case of permanent total disablement of the policyholder 100 % payment of the sum insured is offered to the insured is offered under the Reliance Personal Accident Insurance.
If the insured loss of two limbs/two eyes or one limb and one eye then he/ she is offered 100 % payment of the sum insured.
If the insured loses one limb and one eye then he/ she is offered 50 % payment of the sum insured.
A lump sum of two percent of total capital insured will be paid for transportation in the event of accidental death outside the residence to the insured. But, this is also subject to a maximum of Rs. 2,500.
It also offers the Education fund under which the 2 children
The policyholder can get benefit up to 40% of the compensation paid in settlement of a valid claim under the policy or 20% of the relevant sum insured or actual, whichever is less under the Reliance Personal Accident Insurance.
The premium of a Reliance personal accident cover depends on the occupation the policyholder is in. Premium amount for the low-risk occupations is reasonably low then the insured person who works under the very high risk occupation. For example—
- Low Risk – Teachers, lawyers etc.
- High Risk - Builders, contractor, Garage & motor mechanics and etc.
- Very High Risk - Worker at explosive industries, Mountaineers, Journalists, etc.

Reliance Personal Accident Insurance offers an overall cover and benefit to ensure

Family security
Worldwide coverage
No requirement of medical tests and documentation
Substantial coverage at a low premium
Reimbursement of medical expenses
Education fund for children
The easy and hassle-free claim process

Entry Age	5 yrs. to 70 yrs
Basis	Single + Family Package
No Claim Bonus	Available
Renewability	Lifelong
Benefits	Education fund

Exclusions of the Reliance Personal Accident Insurance

Any Payment of compensation due to death or disablement arising out of Suicide attempted suicide etc. is not offered to the Reliance Personal Accident Insurance.
HIV / AIDS / or any other sexually transmitted disease is not covered under the Reliance Personal Accident Insurance

Cashless Health Insurance Policy

Medical expenses are touching the sky high. It is not at all easy to manage good life style and bear the expenses of high medication treatment in case of a medical emergency to a common man. Reliance Cashless Health Insurance offers the policyholder an assurance of offering the best security in minimum investment. Cashless health insurance gives you the comfort of not burning a hole in your pocket and yet utilizes the health care services. One of the best benefits offered by the Cashless Health insurance Company to make use of cashless hospitalization at network hospitals.

Benefits and offered by the Reliance Cashless Health Insurance Policy

Cashless Health Insurance Policy provides a discount of 5% for a girl child or for single women insured under the plan. It also offers a premium discount of 5% for Reliance Private Car Package Policy to customers.
Cashless Health Insurance Policy offers cashless medical assistance facility with a network that ranges more than 4000 hospitals.
Cashless Health Insurance Policy offers reinstatement of base sum insured if you get exhausted the whole sum insured.
Cashless Health Insurance Policy offers coverage to immediate and extended family members of the policyholders.
Policyholder enjoys tax exemption benefit under Section 80 C and 10 (10D) of the Income Tax Act.

Reliance cashless mediclaim policy	5% discount for single women or girl child
Premium discount	5% for existing Reliance Private Car Package Policyholders
No Claim Bonus	Available
Network Hospitals	4000+
Reinstatement	Available

Exclusions of the Cashless Health Insurance Policy

Any medical conditions which were not disclosed within 36 months prior to the policy are excluded from the coverage of Reliance Cashless Health Insurance.
Any Dental Treatment or surgery expense is also not covered under the Reliance Cashless Health Insurance.

Reliance Critical Illness Insurance Policy

We try to choose the best from the rest. While deciding the Health Insurance plan, you may look at all the factors such as sum insured, protection cover and etc, but there is a loophole in every plan. Critical illness is such a loophole of health insurance plan. Even after having the basic Health insurance policy, it is not enough to cover the critical health related problems.

Reliance Critical illness insurance plans are meant to provide health cover against pre-specified debilitating illnesses of the policyholder that can be very expensive to treat and usually take a long time for recovery. Critical illness turns out to be very destructive and it turns the life of individual and loved ones to complete another way around.

Features and Benefits of the Reliance Critical Illness Health Insurance Plans

Reliance Critical illness health insurance plans offer assured sum of Rs. 5 lakh, 7 lakh or 10 lakh to the policyholder.
Reliance Critical illness health insurance plans are meant for the specific purpose of providing a safety net against serious illnesses such as heart attack, paralysis, cancer, organ transplant, bypass surgery, kidney failure, coma, stroke etc
Under the Reliance Critical illness health insurance plans Sum assured will be paid out to the policyholder as a lump sum post-hospitalization
Under the insurance plan, 5% No Claim discount upon every Claim-free renewal for 1 year policy term & 10% No Claim discount on the cumulative basis upon every claim free 3 year policy term subject to a maximum of 50%.
This plan also offers the benefit of Domiciliary hospitalisation to the policyholder under which the Lower amount between 10% of sum assured and up to Rs. 50,000

Coverage of Reliance Critical illness health insurance is divided into two categories

Category 1- Major Organ Transplant, Cancer, Multiple Sclerosis,Aorta Graft Surgery
Third Degree Burns, Total Blindness, Category 2- Heart Valve Replacement or Repair,Coma Quadriplegia,Coma of Specified Severity, End Stage Renal Disease requiring normal dialysis

Eligibility of the Reliance Critical illness health insurance plans

The minimum eligibility age to get cover of a Reliance Critical illness health insurance plans is 18 years while the maximum eligibility age is 65 years.

Eligibility age	For 18 years to 65 years with sum insured Rs.5 lakh For 18 years to 60 years with sum insured Rs.7 lakh For 18 years to 55 years with sum insured Rs.10 lakh
Policy Tenure	1 year minimum & 3 years maximum
Medical examination	Only essential for 45 years and above

Exclusions of the Reliance Critical illness health insurance plan

Critical illness contracted or diagnosed arising out of or due to within 3 months of the policy start date is not covered under the Reliance Critical illness health insurance plan.
Reliance Critical illness health insurance plan does not offer any cover for the death of the policyholder that occurs within 30 days of the diagnosis or surgery.

Senior Citizen Health Insurance Plan

A tree cannot grow if its roots are not strong. Same as that if society does not have old people it is without any base, meaning and values. Senior citizens are a very important part of our life. But, with time risk of health disease of old people is also increasing. If they have someone to take care then it is fine, but if in case they are alone by chance of bad luck, they find it very hard to maintain a good lifestyle and bear medical expenses cost. Hence, the Senior Citizen Health Insurance Plan becomes very important.

Features and Benefits of the Senior Citizen Health Insurance Plan –

Senior Citizen Health Insurance Plan covers over 4000 network hospitals to choose from for cashless hospitalization for the comfort of the policyholder.
If the policyholder has exhausted the total sum insured on his/ her senior citizen medical insurance policy then he/ she is benefited with the reinstatement of base sum insured.
Senior Citizen Health Insurance Plan offers coverage for even extended family members under our family floater health insurance plan
One can pay the premium via UPI, Paytm, Net banking, Debit/Credit card etc. as per your convenience.

Premium discount	5% for existing Reliance Private Car Package Policyholders
No Claim Bonus	Available
Network Hospitals	4000+
Reinstatement	Available

Exclusions of the Senior Citizen Health Insurance Plan

Any claim raised for medical expenses within 30 days of the health insurance policy issuance, wouldn’t be covered, unless these medical expenses occur due to an injury is not covered under the Senior Citizen Health Insurance Plan
An individual who is involved in any type of War / nuclear / chemical / biological injury is also not covered under the Senior Citizen Health Insurance Plan.

Reliance Healthwise Insurance Plan

It is a comprehensive health insurance cover that assist you to take care of the most important aspect of your life which is your health!. On Buying HealthWise policy, you will receive the R card! It's not just for claims, but it also helps you in getting amazing deals and discounts.

Features and benefits of Reliance Healthwise Insurance Plan

The plan will offer complete hospitalization cover that will be inclusive of doctor fees, nursing expenses, OT charges, Medicines and drugs, Anesthesia and oxygen administration expenses, surgical appliances, pacemaker, and radiotherapy.

Under the same, the insured will get the cover for treatment where the insured person requires less than 24 hours of hospitalization due to advanced technology.

The policy covers expenses incurred towards treatment administered at home.The plan also offers pre & post hospitalisation service.

Benefits	Gold Plan	Silver Plan	Standard Plan
Expenses on accompanying person	Rs.300/- per day for a maximum period of 5 days	Rs.250/- per day for a maximum period of 5 days	Rs.200/- per day for a maximum period of 5 days
Local Road Ambulance	Upto Rs.1000/-	Upto Rs.750/-	Upto Rs.500/-
Daily Hospitalisation Allowance	Rs.250 per day up to 7 days	No	No
Nursing Allowance	Rs.300 per day for a maximum period of 5 days	Rs.250 per day for a maximum period of 5 days	No
Recovery Benefit	Available	Available	No

Exclusions of Reliance Healthwise Insurance Plan

Pre–existing illness for the first two years/ four years of the policy as per the plan
Specified illnesses in the case of domiciliary hospitalisation
Treatment due to abuse of alcohol or intoxicants.

Factors of Reliance Health Insurance Premium

Age: Age is one of the most crucial factors that directly affect the premium amount to be paid for the Reliance Health Insurance. The younger the policyholder is the less he/she has to pay the premium amount in order to get covered under the Reliance Health Insurance policy.
Medical History: Medical history of the policy seeker is also important. If in case the policy seeker has any pre-existing disease, any hereditary disease family history then his/ her premium might increase as compared to the one with a healthy body and clean family medical history. Even in some cases, the insurer might not get the Reliance Health Insurance cover due to any particular disease excluded from the policy.
Body Mass Index: A balance Body Mass Index indicates the healthy body and if in case the BMI of an individual is high, it may cause a surge in the premium amount. High BMI is also indicative of obesity-related ailments like high blood pressure, heart attack, etc. That result in high premium amount.
Occupation: Occupation also matter the premium amount directly, Reliance Health premium is likely to increase positively if the policy seeker works in hazardous environments or deal with any type of harmful chemicals or radiations as an occupation. Also, working at construction sites can surge your premium amount as it increases the threat to life and body.
Consumption of substances injurious to health: Addiction of anything is never good, whether it is of something good or something bad. Addiction of various harmful, toxic items such as smoking, alcohol or drugs etc results in various health disorders. And due to these kinds of harmful addictions policyholder may have a higher premium as compared to a person leading a healthy lifestyle.

Reliance Health Insurance Online Renewal

Reliance General health insurance renewal is equally as imperative as purchasing the policies. It can be done by following steps, easily

Customer has to log into the official website of Reliance General Insurance to initiate health insurance renewal.
Then click on ‘Renewal’ option and enter his/ her existing policy number and click on ‘GO’.
Thereafter, he/she has to provide the details of your own self.
In the next step, he/ she have to proceed for paying premium digitally to instant Reliance General health insurance online renewal.
Once he/ she has paid the premium, he/ she will receive a confirmation mail which will be stating the completion of Reliance General health insurance renewal online

Reliance Health Insurance Claim

Reliance Health Insurance has a very transparent and easy method of applying for the insurance claim at the time of requirement. It offers two type of claim

For Cashless Claim

The cashless facility of the Cashless Claim is available only for the Reliance Health Insurance policyholder if they are admitted to one of the any Reliance Health Insurance Network Hospitals.

One has to show the Health card that is given to the Reliance Health Insurance Policyholders.
A duly filled ‘Cashless Request Form’ is to be submitted to the hospital. At the time of hospital admission along with the following authorised forms, one has to submit a copy of the health card.
The hospital has the authority to question and result in the cashless claim. One can go for the Reimbursement claim if the request is rejected for the cashless claim.
After authorization of the form, one can get the sign on all the bills.
All original discharge summaries and another investigation report as per the terms and conditions are to be left at the hospital.
For your convenience, you can keep a copy of all the records.

Note -If the company has not responded in the 6 business hours, even after the completion of claim request with appropriate details, Reliance Health Insurance Company will be liable to pay 1% of the claim amount and that can be extended to maximum 6 percent.

and

For Reimbursement Claims

One has to send the Written intimation, mail, fax about the hospitalisation of the insured to Third Party Administrator (TPA) /Company within 72 hours of hospitalisation in the case of emergency hospitalisation and 72 hours prior in case of planned admission of the insured.
Before leaving the hospital, discharge Summary, investigation report and other relevant original documents may be obtained from the hospital authorities are to be collected.
Pre hospitalisation and post hospitalisation expenses can be claimed separately after the treatment.
All documents in the original to be submitted within 15 days after completion of Post Hospitalisation treatment in order to get the reimbursement.

Note - If the company didn't respond in 21 business hours, even after the completion of claim request with appropriate details the company still have to pay 1% of the claim amount to insured, subject to a maximum of 6%.

Documents to be submitted during the Reliance Health Insurance claims process

The following documents have to be submitted with the Reliance Health Insurance claim form

First doctor’s prescription denoting the start of symptoms.
Hospital bill and receipts
All related treatment papers and prescriptions.
Diagnostic reports such as ECG, X-ray etc.
Discharge card from hospital.

All hospital, medical, diagnostic centre, and medical shop bills in original.
FIR report copy, if any.
Patients pan card details (photocopy) and identification card
Copy of Health card

Reliance Health Insurance Review

Reliance Health Insurance offer benefits like lifelong renewability, hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation. It also offers health check – ups. On successful completion of 4 claim-free years of the Reliance Health Insurance Policy, the health check-up expenses are reimbursed.

Reliance Health Insurance provides a discount of 5% for a girl child or for single women which is a much needed benefit and boost everyone to take a health insurance policy. With many amazing features that includes auto-extension, add – on services at an affordable premium amount and no claim bonus with every claim-free year, this Health insurance plan is affordable, hence one should definitely go with the Reliance Health Insurance.

Reliance Health Insurance Customer Care Service

The Reliance Health Insurance has a transparent and well-established customer care service that deals with the customers and resolve their grievances and/ or queries efficiently. There are many times on a policyholder seeks for guidance and certain answers in conditions like Inquiring status of the insurance claim, applying for the health insurance claim, any other policy related queries of the insured, renewing the health insurance plan, etc.

Many times, when you are stuck at home or roadside and seek for the assistance you may have no idea where to go and whom to look upon in such immediate action requiring situation.

Customer care turns out to be the best in such a situation. One can contact the Reliance customer care via following the number and/ or email

Email:rgicl.services@relianceada.com

Toll-free number: 1800 3009

Or if convenient policyholder could correspond to the below office Reliance General Health Insurance

Address: Reliance General Insurance, Correspondence Unit,
301-302, Corporate House RNT Marg,
Opp. Jhabua Tower, Indore, Madhya Pradesh, India - 452001

FAQ

Yes! You may need another Reliance Health Insurance. Your employers will cover your medical expenses only until you are employed with their firm/ organisation. If you switch jobs or retire or start something on your own, you will not be covered under any health insurance plan in India, and your policy cover may expire as soon as you leave your job. So it’s always recommended, and good to have your own health insurance apart from the employer’s group health insurance policy – for yourself and your family.

Apart from this, a Reliance health insurance policy can also act as a supplement to your existing employer’s group health medical cover in case the cost of a particular medical treatment is higher than your existing cover level.

A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and/ or received medical advice / treatment within 36 months prior to 1st health insurance policy issued by us under which the insured person was covered.

If The policyholder exhausts the complete sum insured under the health insurance policy & no claim bonus (if any) and still require further hospitalisation for any related or unrelated illness, the company will refill the full Sum Insured amount for free. No, this facility is not offered by all Reliance health insurance policies. You have to check the terms and conditions of the Reliance health insurance policy at the time you seek to buy the health insurance policy.

No, if you renew the Reliance Health Insurance policy continuously without a break in between then there is no need of undergoing a health insurance policy every year. Also, one has to see if there is no change in the policy terms and conditions of the Reliance Health insurance policy.

Yes, the nominee of your Reliance Health Insurance can be changed in the mid-term of the policy. All you need to do is, give your new nominee details to the Company.

No, all one-day treatments are not covered by the Reliance Health insurance policy. Generally, Hospitalization treatments are considered for periods of more than 1 day. But some specific day care treatments are provided which eliminate the need for extended stays in a hospital and are covered by Reliance Health Insurance, such as:

Chemotherapy
Dialysis
Lithotripsy
Curettage and Dilation
Tonsillectomy
Cardiac Catheterization
Other new surgeries/procedures

Yes, you are eligible for the benefit if you don’t make any claims on your policy for a year. You can earn a cumulative bonus of 33.33% on your base sum insured, at no extra cost. However, the cumulative bonus can only be accumulated equal to the amount of base sum insured by the policyholder.

If the insured has not made any claim for 4 consecutive years, then by the end of the 4th year the no claim bonus will be equal to the sum assured amount. In the 5th year, the insured can go for the “Call Option” to double the sum insured by adding this earned bonus.

Policy number
Contact details like- phone no., email id, address,etc.
Insured’s name
Relationship between the policyholder and the person who is hospitalized.
Hospital’s name
Disease’s name (For health claims)
Nature of accident, date, time and location of the incident (For accident cases)

Policy cancellation is a simple process that involves writing a letter subjected the same, and addressed to Reliance General Insurance. On receipt of the letter, the premium amount shall be refunded, subject to the unexpired policy being less than 6 months old, and no claim have been lodged during that time.

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Last updated on 12-11-2019