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Reliance Health Insurance

Reliance General Health Insurance is a wholly-owned subsidiary of Reliance Capital and a part of the Reliance Anil Dhirubhai Ambani Group. Reliance General Health Insurance was established in 2000 and it has 139 offices and more than 28,900 intermediaries across the country. It offers a wide range of insurance products for the customers to choose from. Reliance Health Insurance offers various health insurance products such as Individual plans, family floater plans, critical illness plans, and group mediclaim health insurance policies to meet the healthcare needs of various consumer groups.

Awards and Recognitions of Reliance Health Insurance


1. Insurance Alerts Excellence Awards 2020

2. The Economic Times Best Brands For The Year 2020

3. 5th Annual Insurance India Awards 2020

4. KamiKaze Awards, 2019

5. Talent Track Awards, 2019

6. Insurance Alerts Awards, 2019

What Are The Key Features of Reliance Health Insurance?

With the availability of a number of health insurance providers, selecting the best and appropriate insurance plan that suits all your medical requirements is quite a difficult task. Unfortunately, most of us are not aware of our availed policies and due to the lack of awareness people tend to get confused and sometimes choose the wrong policies.

To narrow down your selection process, we at have listed down some parameters off Reliance Health Insurance company.

Let's discuss the key features of Reliance General Health Insurance in detail:

  1. 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.

  2. Network Hospitals

    Reliance Health Insurance is empanelled with 7300+ 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 the treatment during hard/critical situations. Along with a cashless facility, it also serves you for complimentary health checkups, pre, and post-hospitalization expenses, and provides coverage for pre-existing illnesses.

    Let's take the example of Mr. Singh, a 40-year-old man living in Delhi who got hospitalized for the treatment of High Blood Pressure. The patient got admitted to the nearest network hospital that is already enlisted with Reliance Health Insurance. In this case, all the medical expenses/bills were paid by the insurer itself and he is not required to pay a single penny. With the cashless facility, he could get the treatment done without worrying about any financial burdens.

    If in case, Mr. Singh has not availed of the cashless facility, then it becomes very hard for his family to arrange all the funds required for the treatment. So it is advised tocheck the list of network hospitals of your Insurance company in your nearby areas.

    For your better understanding, we have prepared a graph of Network Hospitals of Top 10 insurance companies.

    Networks Hospital of Top 10 Insurance Companies

    Network Hospital of Top 10 Insurance Companies

    **Data from IRDAI Annual Reports

    To check the Reliance Health Insurance Network Hospitals list as per your state/region, you can visit the network hospital page.

    In case of a medical emergency where you could not find network hospitals, you can still apply for reimbursement where the treatment cost paid by you will be reimbursed by the company.

  3. Claim Support

    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 the 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 98.16% of claims within 3 months in 2019-20.

    Below is a graph to help you understand where Reliance stands with other health insurance providers in terms of claims settled within 3 months.

    Claim Support of 10 top Insurers within 3 months

    Claim Support of 10 top Insurers within 3 months

    **Data from IRDAI Annual Report

    The below mentioned graph shows claim settlement done by the company from the financial years 2016-2020.

    Claim Support within 3 months from 2016-20

    **Data from IRDAI Annual Report 2019-20

  4. Solvency Ratio

    Solvency Ratio is one of the important factors while 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 2019-20, the solvency ratio of Reliance Health insurance is 1.54.

    Refer to the below chart that helps you understand the Solvency Ratio of Reliance General Health Insurance.

    Solvency Ratio of Reliance General Insurance from 2016- 2020

    Solvency Ratio of Reliance General Insurance from 2016- 2020

    **Data from IRDAI Annual Report

  5. Market Share

    Reliance General Insurance has shown significant growth in the last five years. The annual premium of the company for the year 2019-20 is 1365.92 crores whereas, for 2018-19, it was 1002.73 crores.

    We have prepared a graph that compares the annual gross premiums of Reliance General Insurance Company from 2016-20.

    Annual Premium of Reliance General from Financial Year 2016-20

    Annual Premium of Reliance General from FY 2016-20

    **Data from IRDAI Annual Report

    We have summarized the key features in tabular form.

    Renewability Lifelong Renewability
    Network Hospitals 7300+
    Claim Support 98.16
    Solvency Ratio 1.54
    Annual Premium (in crores) 1365.92 Crores
    Market Share 2.59%
    Number of Branches 139
    Number of Intermediaries 28,900+

    **Last Updated on August, 2021

Why Should You Opt for Reliance General Health Insurance?

  1. Tax Benefits

    Get the tax-saving benefit under section 80(D) of the Income Tax Act, 1961.

  2. Cashless Facility

    The company offers a cashless facility as it has a tie-up with 7300+ network hospitals where you are not required to pay a single penny to the hospital for medical treatment.

  3. Reinstatement

    It provides the reinstatement of the sum insured amount if it gets exhausted from your basic sum insured.

  4. Flexible Payment Modes

    You have the option to pay through UPI, Paytm, Debit/credit card as per your requirements.

  5. Wellness Programs

    The company offers health care services and wellness programs to encourage its customers to stay fit.

  6. Pre and Post Hospitalization

    Medical expenses incurred before hospitalization for 60 days and 60 days after hospitalization.

  7. Expenses Related To Hospitalization

    This company covers hospitalization expenses in case of in-patient treatment for covered injuries/illnesses when the policyholder is hospitalized for more than 24 hours.

  8. Daycare Treatments

    These procedures are covered when the policyholder requires less than 24 hours of hospitalization.

Here are certain other important aspects:

Benefits Details
Sum Insured3 lakhs - 1 crore
Policy Tenure1 year, 2 years & 3 years
Type of policies availableIndividual and Family Floater option
Cashless facility7300+ network hospitals
AgeChild: 91 days -25 years
Adult: 18 years- 65 years
Pre and post hospitalizationCovered up to a specified limit
Initial Waiting period15-20 days
COVID-19 coverageIt is available in all health policies
Tax BenefitsYou can avail of up to Rs. 1 lakh under section 80(D) of the Income Tax Act

**Last Updated on August, 2021

Types of Reliance Health Insurance Plans

Reliance Health Insurance offers 9 types of health insurance plans to its customers. Reliance General Insurance Company has a handful of health insurance plans at its disposal. A deep insight of them is given below:-

Plan Type of Plan Who should buy it?
Reliance Health Gain Insurance PolicyIndividual and Family Health Insurance PlanThis policy provides coverage to an individual and it also covers family members by paying a single premium in a year
Reliance Health Infinity InsuranceComprehensive Health Insurance PlanOne can buy this plan with an individual and family floater option.
It offers large coverage options i.e., from 3 lakhs - 1 crore.
Reliance Personal Accident Insurance PolicyPersonal accident insuranceThis plan ensures the individual's financial stability and his/her family if in case he/she gets injured or dies in an accident.
Reliance HealthWise Insurance PolicyFamily Health Insurance PlanThis plan can be availed by an individual and their family as it offers special offers and discounts that suit your medical needs.
Reliance Critical Illness Insurance PolicyCritical Illness PlanCritical illness cover is majorly designed to offer protection to a specific person against a life-threatening disease.
Reliance Arogya SanjeevaniFamily Health InsuranceArogya Sanjeevani Plan provides coverage to you and your family at an affordable premium rate.
Reliance Group Mediclaim Insurance PolicyComprehensive Health InsuranceProvides coverage to the group of workers who work in the same organization.
Corona Kavach PolicyCOVID-19This affordable health insurance plan protects you and your family against the expenses related to COVID-19 hospitalization.
Corona Rakshak PolicyCOVID-19The plan offers a lump sum benefit to the policyholder if diagnosed with COVID-19.

**Last Updated on August, 2021

Now let's study all the Reliance Health Insurance Plans in detail.

  1. Reliance Health Gain Insurance Policy

    Reliance Health Gain 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 Plan

    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 avail a 10% discount if they buy or renew the policy online.


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

    **Last Updated on August, 2021

  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:

      1. Gold Plan

      2. Silver Plan

      3. 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. 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 Age 18-65 years
    Policy Tenure 1 & 3 years
    Sum Insured (Rs.) 5/7/10 lakhs

    **Last Updated on August, 2021

  6. Reliance Arogya Sanjeevani

    Reliance Arogya Sanjeevani Health Insurance offers medical coverage in unprecedented times to individuals and their families.


    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
    • Vaporization 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 haematological conditions to be covered
    • Get covered (without sub-limits) 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 Age Child: 91 days to 25 years
    Adult: 18 years to 65 years
    Policy Type Individual and Family Floater
    Policy Tenure 1 year
    Sum Insured (in Rs.) 1-5 lakhs

    **Last Updated on August, 2021

  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 Age 18-60 years
    Sum Insured (Rs.) 50,000-1,00,000

    **Last Updated on August, 2021

  8. Corona Kavach Policy

    Reliance Corona Kavach Policy 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 Age Child Age: 1 day to 25 years
    Adult Age: 18 -65 years
    Policy Term 3.5 months, 6.5 months, and 9.5 months
    Sum Insured (Rs.) 50,000-5,00,000

    **Last Updated on August, 2021

  9. Corona Rakshak Policy

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


    Entry Age 18-65 years
    Policy Term 3.5 months, 6.5 months, and 9.5 months
    Sum Insured (Rs.) 50,000 - 2,50,000
    Waiting Period 15 days

    **Last Updated on August, 2021

Reliance Health Insurance

What Are The Factors Affecting Health Insurance Premium?

  1. Age

    As we have discussed above that the premium amount increases with the increasing age.

  2. Medical history

    In case if the policyholder has any kind of pre-existed illness/disease, the premium might rise or the policyholder might not cover some specific disease under the plan.

  3. Occupation

    If you work in hazardous surroundings or dealing with some harmful substances, then the premium is likely to be increased.

  4. Body mass index

    High BMI indicates obesity-related complications such as high BP, heart attack, thus results in an increase in the premium amount.

  5. Consuming injurious substances which are injurious to health

    A smoker or a person who abuses drugs has a higher premium as compared to a person leading a healthy lifestyle.

What Is Not Covered Under Reliance General Health Insurance?

The major exclusions under Reliance General Health Insurance are:

  • It does not cover certain surgeries/illnesses for the initial two consecutive years from the start date of the policy.
    1. Arthritis
    2. Gout
    3. Rheumatism
    4. Cataract
    5. Hernia
    6. Kidney Stone
    7. Joint Replacement Surgery
    8. Kidney stones
  • Intentional/self-inflicted injuries
  • Dental treatment or surgery
  • War/biological injuries/nuclear/chemical war
  • Mental illness/disorder treatment
  • Cosmetic, aesthetic treatment
  • Maternity or fertility-related conditions

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?

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

Documents Required

  • Valid ID Proof
  • Original reports of diagnostic tests, radiology reports, and payment receipts.
  • Original hospital bills and discharge certificate signed by a medical practitioner.
  • Medical practitioner's prescription for consultation, medicine, and medical tests.
  • Post Mortem Report (if applicable).
  • Others requested by the company.

How To Contact Reliance Health Insurance?

Contact Number: +91 22 48903009

WhatsApp Number: 7400422200

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

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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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.6/5 (35 Total Rating)

June 13, 2022

Vidya Bhan


Very nice company with a range of health products. I have bought one plan for myself and my husband, and one for my aged in-laws. Happy with both the plans

October 12, 2021

Tulika Sharma


got hospitalized receently for a surgery...the company responded the minute my claims were raised. Good support! Thanks!

October 11, 2021

Mayank Tyagi


I m impressed with the service provided by Executives of Reliance Health. They assisted me very patiently

September 1, 2021

Kashi Pradhan


Bought the health plan for my parents. now I m assured that their health is not compromised due to money :)

August 18, 2021

Puneet sharma


Reliance company ka health insurance bahut acha hai, aur premiums bhi bht affordable hai, aur bht jaldi claim ko settle karti hai, muje inki service bahut pasand aayi.

Last updated on August, 2021

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