Reliance Health Insurance
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Reliance Health Insurance

Reliance General Health Insuranceis 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 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

  • World Leadership Congress And Awards, 2021
  • ET Best Brands 2021
  • India's Most Trusted Brand Awards, 2021
  • Insurance Alerts Excellence Awards 2020
  • The Economic Times Best Brands For The Year 2020
  • 5th Annual Insurance India Awards 2020
  • KamiKaze Awards, 2019
  • Talent Track Awards, 2019
  • Insurance Alerts Awards, 2019

Why Buy Reliance Health Insurance?

Before choosing an ideal health insurance company, it is important for you to go through the company's performance thoroughly.

  • Network Hospitals:
    Reliance Health Insurance is empanelled with 8,600+network hospitalswhere 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 98.59% of claims within 3 months in 2020-21.
  • 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 2020-21 is 8,310.28 crores.
  • Solvency Ratio:
    Thesolvency Ratiois 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 2020-21, the solvency ratio of Reliance Health insurance is 1.62.
  • 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.
Reliance Health Insurance Key Features
Reliance Health Insurance
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Reliance Health Insurance Plans

Comprehensive Plan

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

  • Waiver of premium on critical illness
  • Consumables Covered
  • Cumulative Bonus of 33.33%

Comprehensive Plan

Comes with a number of amazing benefits and discounts. The plan offers a wide range of sums insured from Rs. 3 Lacs to Rs. 1 crore.

Unique Features

  • No Sub-limits on benefits
  • Robotic surgery for quick recover
  • 90 days free cancellation

Personal Accident Plan

Reliance Personal Accident Insurance Policy

Reimburses the medical expenses incurred during the treatment arising out of the accident and covers disability or death caused by accidents.

Unique Features

  • Child Education Benefit
  • Avail World Wide coverage
  • Zero Paperwork required

Affordable Plan

Reliance HealthWise Insurance Policy

An affordable and comprehensive policy that covers medical expenses & offers flexibility by providing 3 variants- Gold, Silver & Standard.

Unique Features

  • 7% discount for girl child
  • No sub limit on room rent
  • Nursing allowance available

Critical Illness Plan

Reliance Critical Illness Insurance Policy

Reliance critical illness health insurance is specifically designed to provide protection to an individual against 10 life-threatening diseases.

Unique Features

  • No pre-medical required
  • Lump-sum Payment
  • Coverage up to 10 Lakhs

Hospital Cash Benefits

Reliance HospiCare Insurance

Reliance Hospi Care Insurance is a hospital cash benefit product that provides a lump sum payout listed surgeries and daycare procedures occurring due to illness or injury.

Unique Features

  • 150+ surgeries covered
  • Pre-policy health check-ups covered
  • Dengue hospitalization covered

Super Top-up Plan

Reliance Super-Top up Insurance

Cover the expenses of the treatment after your basic health insurance coverage is exhausted. The plan offers coverage of upto INR 1.30 Crore.

Unique Features

  • Maternity expenses
  • Air Ambulance cover
  • Worldwide Emergency Cover

Standard Plan

A standard and affordable health plan that offers medical coverage to individual and their families with a coverage of up to 10 Lakhs.

Unique Features

  • Coverage against special treatments
  • Daycare treatments covered
  • Dental Treatment

Personal Accident Plan

Reliance Saral Suraksha Bima

Saral Suraksha Bima protects the insured for an accident and its aftermath like death or permanent disability.

Unique Features

  • SI of 1 crore
  • Discount on add-on
  • Lifelong renewal

Group Health Plan

Reliance Group Mediclaim Policy

A comprehensive plan that covers a group of people working in an organization, & looks after unexpected medical expenses of the group members.

Unique Features

  • Bariatric surgery covered
  • Pre & post hospitalization
  • Maternity Benefit available

Corona Plan

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 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

Reliance Health Insurance Network Hospital List

Reliance Health Insurance Network Hospitals are present in 28 states nationwide. With a wide network of hospitals, Reliance Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Benefits of having Reliance Health Insurance Plans

  • Cashless Facility
    The company offers a cashless facility as it has a tie-up with 8,600+ network hospitals where you are not required to pay a single penny to the hospital for medical treatment.
  • Flexible Payment Modes
    You have the option to pay through UPI, Paytm, or Debit/credit card as per your requirements.
  • Wellness Programs
    The company offers health care services and wellness programs to encourage its customers to stay fit.
  • Tax Benefits
    Get the tax-saving benefit under section 80(D) of the Income Tax Act, 1961.

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 policy's start date.
    • Arthritis
    • Gout
    • Rheumatism
    • Cataract
    • Hernia
    • Kidney Stone
    • Joint Replacement Surgery
    • 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 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.

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?

Here is how you can reach out to Reliance Health Insurance:

Contact Number: +91 22 48903009
WhatsApp Number: 7400422200

rgicl.services@relianceada.com

Health Insurance Articles

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.

Reliance Health Insurance Reviews

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Vidya Bhan

Bhopal

June 13, 2022

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

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Tulika Sharma

Mumbai

October 12, 2021

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

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Mayank Tyagi

Indore

October 11, 2021

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

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Kashi Pradhan

Allahabad

September 1, 2021

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

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Puneet sharma

Chandigarh

August 18, 2021

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.

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Roopal Ganguly

Jaipur

May 10, 2021

I bought this policy in times of pandemic and it is a must-have policy. Services are really very good and I am satisfied with this company. The claim ratio is also good.

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Rishabh Kalra

Indore

May 6, 2021

Hi, I am Rishabh. I took this policy a year ago. The claim settlement of this company is good. You can go for this company.

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Kanchi paul

Lukhnow

May 4, 2021

One day when i was watching TV i saw add of reliance health. I called them and the agents are so helpful. They resolved my query and i bought a plan from.

View AllReliance Health Insurance Reviews