Reliance Health Insurance

Reliance General Health Insurance
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About Reliance Health Insurance

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.

Reliance General Insurance Company- Important Details

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. It has managed to open around 139 branches and houses more than 2500 employees to offer on-time and well-matched service. Other details are stated below-

Network Hospitals4000+
Incurred Claim Ratio107%
RenewabilityLifelong

Table Data updated on 26-06-2020

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

This plan has managed to grab the attention of the entire health insurance market with the help of its superior features. It is divided further into two variants- Plan A and Plan B. Both the plans have close to similar features but Plan B outruns Plan A in terms of comprehensive coverage.

Features & Benefits

  • It offers pre and post hospitalization coverage of 60 days to the policyholder.
  • Domicile hospitalization is provided if the treatment continues for a span of a minimum of 72 hours.
  • In case of a life-threatening emergency, you can avail the benefit of domestic road ambulance services. It offers coverage up to Rs.1,500 under Plan A and Rs.3,000 in Plan B.
PlansPlan APlan B
Entry Age5 years minimum & 65 years maximum5 years minimum for individual/ floater and maximum 65 years
Policy Period1 years and 2 year plansNA
Medical TestsAged 45 years and aboveAged 18 years and above
Sum AssuredRs.3 lakhs & 6 lakhsRs.12 lakhs & 15 lakhs

Table Data updated on 26-06-2020

Note- After careful consideration, if you find it difficult to shell out the entire premium of the policy in one go, you can purchase Reliance HealthGain Insurance Policy on EMI basis.

2. Reliance Personal Accident Insurance Policy

Accidents are a perfect excuse to put a full-stop in 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.

Features & Benefits

  • If you lose one eye/limb, the plan will offer 50% of the sum assured.
  • If you lose two eyes/limbs or one eye and one limb, you will get 100% of the sum assured.
  • In case the insured suffers an accidental death outside his/her residence, the plan will offer mortal carriage i.e. 2% of capital sum assured (maximum Rs.2,500) as transportation.
  • You will not experience the pain of long documentation. The entire process is quick and smooth.
Entry AgeSelf & spouse- Minimum 18 years
Dependent children- 5-25 years
BasisSingle + Family package
RenewabilityLifelong

Table Data updated on 26-06-2020

3. Reliance HealthWise Insurance Policy

Your health is directly related to your career, lifestyle and family. A small variation in your health can harm its related factors. To get the best healthcare treatment, you have to stop worrying about its expenses. This policy can help you with that. Reliance HealthWise will take care of your expenses while you recover your health.

Features & Benefits

  • Coverage for pre & post hospitalization is an active part of this plan. If you go for a standard option, the coverage will be provided for 30 & 60 days. If you choose the silver/gold option, the coverage will be for 60 & 90 days.
  • With room rent capping out of the picture, you are free to choose any room category/type.
  • Luckily, people up to 45 years of age (with zero pre-existing disease) don't have to undergo a medical test to buy this policy.
Entry Age3 months - 65 years
Sum Assured1, 2, 3, 4 & 5 lakhs
RenewalLifelong

Table Data updated on 26-06-2020

4. 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. All the hospitalization expenses will be paid from the company's pocket. Your only job will be to concentrate on your recovery.

Features & Benefits

  • Reliance has structured a smooth and trouble-free claim process of this plan. This means you don't have to wait for long and go through to tiresome steps to get the claim.
  • This policy offers financial assistance for 10 critical diseases such as cancer, third-degree burns, total blindness, etc.
Policy Tenure1 & 3 years
Medical TestNot required (up to 45 years)
Sum Assured5, 7 & 10 lakhs

Table Data updated on 26-06-2020

5. Reliance Health Infinity Insurance

A standard health insurance policy is sufficient for most people but a small pocket of the society always demands more from it. To meet their expectations, Reliance has come out with Health Infinity Insurance. As the name suggests, this policy is packed with standard + additional benefits.

Features & Benefits

  • Coverage for 90 days of pre-hospitalization and 180 days of post-hospitalization is provided by the policy.
  • You will get 90 days to cancel your policy.
  • If you are a Reliance employee/repeat customer, you will be eligible to grab a 10% discount (one-time only).
Child: 91 days to 25 years
Adult: 18 years to 65 years
Policy Period1 year, 2 years & 3 years
Premium payment term3 lakhs, 5 lakhs, 10 lakhs, 15 lakhs, 50 lakhs, 1 Crore

Table Data updated on 26-06-2020

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

  1. Claim Ratio- As per IRDA report for the year 2018-19, the claim settlement ratio of the company is 107%. That means 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 (credit goes to the Income Tax Act, 1961).
  4. Flexibility- Nobody is a fan of restrictions. That's why Reliance gives freedom to its customers to pay the premiums via Paytm, debit/credit/card, UPI, etc.

Which Factors Affect Reliance Health Insurance Premium?

  1. Age: It is one of the most crucial factors that directly affect the premium amount of Reliance health insurance. For example, a younger policyholder has to pay a less premium as compared to a middle-aged individual.
  2. Medical History: The medical history of the policy seeker is also important. If the policy seeker has any pre-existing disease or any hereditary disease in family history, his/her premium might increase as compared to the one with a healthy body and clean family medical history.
  3. Occupation: The premium of Reliance health insurance is likely to increase if the policy seeker works in a hazardous environment or deals 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.
  4. Consumption of Substances Injurious To Health: Regular consumption of alcohol/drugs & smoking can cause serious harm to your body. Due to addiction to such activities, a policyholder may have a higher premium as compared to a person leading a healthy lifestyle.

How Can You Renew Reliance Health Insurance Online?

There are two ways to renew Reliance health insurance online- through Reliance General's website and PolicyX.com.

If you are an existing customer of PolicyX.com, you can follow the below-listed steps-

  1. Visit https://www.policyx.com/renew.php and enter your details.
  2. Click on 'Submit'. Your details will be forwarded to our customer care team.
  3. Our customer care executive will contact you and guide through the entire renewal process.

If you have not purchased your Reliance health insurance from PolicyX.com, you can follow the below-mentioned steps-

  1. Log on to the official website of Reliance General Insurance to initiate health insurance renewal.
  2. Click on the 'Renewal' option and enter your existing policy number and click on 'GO'.
  3. Provide your details.
  4. Proceed to pay the premium.
  5. Once this is done, you will receive a confirmation mail which will be stating the completion of Reliance General health insurance renewal online.

What Is The Process To Claim a Reliance Health Insurance?

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

For Cashless Claim

If you are admitted in one of the Reliance's partnered network hospitals, you have to follow the below steps-

  1. Show the health card that is given by the company at the TPA desk.
  2. Complete the duly filled cashless request form.
  3. Submit the authorization form along with the photo identity and health card copies.
  4. Give the completed form and necessary medical details to TPA/RCareHealth.
  5. Make sure to verify and sign all the bills.
  6. All original discharge summaries and the investigation report has to be left at the hospital.

For Reimbursement Claim

Here you have the option to get yourself treated at any hospital (apart from network) and file for reimbursement with the following steps-

  1. Inform the insurance provider about the hospitalization at the earliest.
  2. Collect all the necessary documents (original copy) before you leave the hospital.
  3. All original documents have to be submitted within 15 days after completion of post hospitalisation treatment to get the reimbursement.

There are a few documents which you need to submit to get the claim. They are as follows:-

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

FAQs

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

A floater option allows a single sum assured to cover all the insured members of the policy. Other members apart from you can be- spouse, mother, father, daughter, etc.

You can directly call on their helpline number- 18003009

Yes. There are discounts for getting a girl child and single/widowed female insured. A family discount is there as well.

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.

Last updated on 26-06-2020