Reliance Health Insurance
The Reliance Health Insurance Company offers a wide range of customized health insurance policies that serves the best healthcare services inclusive o...Read More
Network hospitals
9100+
Incurred claim ratio
86.31%
Sum insured
Up to 5 Cr
No. of Plans
9
Solvency Ratio
1.5
Pan India Presence
127+
Reliance Health Insurance
Reliance General Health Insurance is an independent subsidiary of Reliance Capital and a part of the Reliance Anil Dhirubhai Ambani Group. Started in the year 2000, the company has now 131 offices and more than 90,000+ intermediaries across India. Reaching out to them is super easy, you just need to call them and they are available for help. Reliance Health is now one of the top health insurance companies. In the last 2 decades, they gained trust, value, and a loyal customer base.
What does Reliance Health Insurance do?
Reliance Health Insurance offers several health insurance products like individual plans, family floater plans, critical illness plans, and group mediclaim health insurance policies to meet the healthcare needs of the various consumer groups. They offer a hassle-free purchase, renewal, and claim process as well.
Some Interesting Facts About Reliance Health Insurance
- They offer very unique and exclusive plans for their customers.
- You can purchase 1-year and 3-year plans from the company.
- The claim settlement ratio of the company is 98.65%.
Reliance health insurance awards and accolades.
- 'World Leadership Congress and Awards, 2021'
- 'Business Leader of the Year'
- 'The Best Brand of the Year 2021.'
- India's Most Trusted Brand Awards, 2021.'
- 'Best Video Content in a 360-degree campaign.'
Why Choose Reliance Health Insurance Plans?
Reliance General Insurance is one of the leading companies in the Indian Insurance Industry. They have health insurance policies that offer coverage up to Rs 5 Crore. There are many reasons for choosing Reliance Health for your health insurance coverage. Read below to know more.
-
More than 3 crore Policyholders
Reliance Health Insurance has gained the trust of more than 3 crore policyholders. No doubt it is a very popular health insurance company in India. -
Superfast Claim Process
Reliance Health offers a superfast claim process. You can apply for the claim process online, even for a cashless claim or reimbursement. -
Network Hospitals:
Reliance Health Insurance is empanelled with 9100+ 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 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 period and helps you understand the history of the insurance company. The claims need 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 the IRDAI Annual Report, Reliance Health Insurance company settled 98.65% of claims within 3 months in 2021-22. -
Annual Premium:
Reliance General Insurance has shown significant growth over the last few years. The annual premium of the company as per the IRDAI Annual Report of 2021-22 is 9,408.96 crores. -
Solvency Ratio:
The solvency Ratio is 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 2021-22, the solvency ratio of Reliance Health Insurance is 1.67. -
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 Detailed Review
Best Selling Reliance Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual
Reliance Health Insurance Plans Eligibility Approximate Annual Premiums Reliance Health Personal Accident Entry Age - Minimum: 18 Years Dependent Children: 5 to 25 Years
Sum Insured - Up to 20 LRs. NA
Reliance Hospi-Care Policy Entry Age - 18 to 65 years
Sum Insured - Up to 10 LRs. NA
-
Individual and Family Health Insurance
Reliance Health Insurance Plans Eligibility Approximate Annual Premiums Reliance HealthWise Policy Entry Age - 18 to 65 years
Sum Insured - Up to 5 LRs. NA
Health Gain Policy Entry Age - 91 days to 65 Years
Sum Insured - Up to 1 CrRs. NA
-
Critical Illness Health Insurance
Reliance Health Insurance Plans Eligibility Approximate Annual Premiums Reliance Critical Illness Insurance Entry Age - 18 to 65 Years
Sum Insured - Up to 10 LRs. 1369
-
Group Health Insurance
Reliance Health Insurance Plans Eligibility Approximate Annual Premiums Reliance Group Mediclaim Policy Entry Age - 18 to 65 years
Sum Insured - Up to NARs. NA
Key Features Of Reliance Health Insurance
Let us take a look at some unique features of top-selling Reliance Health Insurance policies:
For Individual
Reliance Health Personal Accident
Comprehensive health insurance covers road traffic accidents and assisted reproductive treatments. The plan offers a 5% discount on premiums for maintaining a healthy lifestyle.
Why Do We Recommend This?
- Avail cataract treatments for covered members
- Emergency domestic evacuation is available from the hospital you are availing treatment from to another hospital
- Avail coverage for travel expenses of an immediate family member of the patient
For Individual and Family Health Insurance
Reliance HealthWise Policy
Comprehensive health insurance covers 360-degree healthcare services, including inpatient hospitalization, daycare procedures, ambulance charges, add-on covers, and more.
Why Do We Recommend This?
- Avail modern treatments
- Critical illnesses cover
- Avail of domiciliary hospitalization
For Critical Illness Health Insurance
Reliance Critical Illness Insurance
Reliance Critical Illness insurance plan offers healthcare expenses against 10 critical illnesses that disables you from leading a healthy and stress-free life.
Why Do We Recommend This?
- COVID-19 treatment cover
- Over 10 critical illnesses are covered
- Healthcare emergency services
For Group Health Insurance
Reliance Group Mediclaim Policy
Reliance Group Mediclaim Policy offers high-end healthcare services and tax exemption benefits to the corporate employees and a group of members under a club/society, etc, at an affordable premium price.
Why Do We Recommend This?
- Avail coverage benefits for daycare procedures
- Invaluable added benefit options
- Corporate employee benefits without paying out-of-pocket
Explore other Reliance Health Insurance
To cater to the different medical needs of an individual & their family, Reliance Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Reliance Health Insurance plans explore more:
Individual
Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child edu...
Unique Features
- Death Cover
- Upto 20L SI
- Disability Cover
Reliance Health Personal Accident (Pros)
- Children education fund
- Accident hospitalization reimbursement
- Increase in CSI
Reliance Health Personal Accident (Cons)
- HIV/AIDS
- Breach of law
- Maternity and newborn baby cover
- Daycare procedures
Reliance Health Personal Accident (Other Benefits)
- Accidental death cover
- PTD/PPD/TTD covers
- Cumulative bonus
Reliance Health Personal Accident (Eligibility Criteria)
- Entry Age: Minimum: 18 Years
- Dependent Children: 5 to 25 Years
- Sum Insured: 5 - 20 Lakhs
- Waiting period: Accidental death covered from day 1
Individual and Family Health Insurance
Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes i...
Unique Features
- Customize Your Plan
- Critical Illness Cover
- Recovery Benefit
Reliance HealthWise Policy (Pros)
- Daily Hospitalization Allowance
- Domiciliary Hospitalization
- Critical Illness Cover
Reliance HealthWise Policy (Cons)
- Global coverage
- OPD not available
- AYUSH treatment not covered
Reliance HealthWise Policy (Other Benefits)
- In-patient hospitalization
- Daycare procedures
- Modern treatment cover
- Ambulance charges
Reliance HealthWise Policy (Eligibility Criteria)
- Entry age: 18 - 65 Years
- SI: 1 L - 5 L
- Initial waiting period: 30 Days
Individual and Family Health Insurance
Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance company. The plan allows the customers to customise their poli...
Unique Features
- Individual and Floater Options
- Lifetime Renewability
- Hassle-free Claim Process
Health Gain Policy (Pros)
- Consumable Cover
- Unlimited Base SI Reinstatement
- Room Rent Modification
Health Gain Policy (Cons)
- Global coverage unavailable
- Breach of law
- Intentional injury
- OPD not covered
Health Gain Policy (Other Benefits)
- Domiciliary hospitalization
- Daycare procedures covered
- Air ambulance services
Health Gain Policy (Eligibility Criteria)
- Entry Age: 91 days to 65 Years
- SI: 5 L to 1 Cr
- Initial waiting period: 30 Days
- Policy term: 1/2/3 Years
Individual and Family Health Insurance
Reliance Health Infinity is a comprehensive health insurance plan that comes with a number of benefits and discounts. The policy offers wide coverage ...
Unique Features
- Pre-policy Medical Check-up
- AYUSH Coverage
- No Sub-limits
Health Infinity Plan (Pros)
- In-patient hospitalisation
- Daycare expenses
- Domiciliary hospitalization
- Organ donor expenses
Health Infinity Plan (Cons)
- OPD cover unavailable
- No global coverage
- Adventure sports
- Health check-up unavailable
Health Infinity Plan (Other Benefits)
- Modern treatment
- Organ donor cover
- Co-payment option
- Add-on covers applicable
Health Infinity Plan (Eligibility Criteria)
- Entry Age 91 days to 65 Years
- Policy Type Individual / Family Floater
- SI: 3 L to 1 Cr
- Initial waiting period: 30 Days
Individual and Family Health Insurance
Reliance Arogya Sanjeevani's plan is affordable and efficient. In unprecedented times, covering you and your family is a necessity. Reliance Arogya Sa...
Unique Features
- AYUSH Benefits
- Inclusions and Exclusions
- Quick Claim Process
Reliance Arogya Sanjeevani Plan (Pros)
- In-patient hospitalization
- Daycare treatments
- AYUSH treatments
- Ambulance charges
Reliance Arogya Sanjeevani Plan (Cons)
- OPD cover
- Domiciliary hospitalization
- Daily Hospital Cash
- Organ Donor
Reliance Arogya Sanjeevani Plan (Other Benefits)
- Modern treatment
- Vaccination
- Cataract
- Covid-19
Reliance Arogya Sanjeevani Plan (Eligibility Criteria)
- Entry Age Minimum: 18 years
- Entry Age Maximum: 65 Years
- Policy Term 1 Year
- Sum Insured: 50K to 10 Lakhs
- Initial Waiting Period: 30 Days
Individual and Family Health Insurance
To avoid the financial stress and burden during Covid treatment, Reliance Health Insurance offers the Corona Kavach Plan that takes care of your medic...
Unique Features
- Covers COVID-19
- Check the Eligibility
- Coverage Details of the Plan
Corona Kavach Plan (Pros)
- AYUSH treatment cover
- Ambulance charges
- COVID-19 treatment cover
Corona Kavach Plan (Cons)
- OPD charges
- Daycare procedures
- Modern treatment
- Organ donor treatment
Corona Kavach Plan (Other Benefits)
- Home care treatment
- In-patient hospitalization
- Pre and post-hospitalization
Corona Kavach Plan (Eligibility Criteria)
- Entry Age Child Age: 1 day to 25 yrs
- Adult Age: 18 yrs to 65 yrs
- SI- 50 K to 5 L
- Waiting period - 15 days
Critical Illness Health Insurance
Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, so you are worry-free. ​Reliance Critical Il...
Unique Features
- 10 Major Illnesses Covered
- Choose Your SI
- Avail Tax Benefits
Reliance Critical Illness Insurance (Pros)
- COVID-19 cover
- No-claim bonus
- Cover for 10 critical illnesses
Reliance Critical Illness Insurance (Cons)
- Hospitalization out of war
- Congenital disease
- Intentional self-injury
- IVF treatment
- Air ambulance
Reliance Critical Illness Insurance (Other Benefits)
- Cancer of specified severity
- Major organ/Bone marrow transplant
- Multiple Sclerosis with persisting symptoms
- Third degree burns
- Aorta graft surgery
Reliance Critical Illness Insurance (Eligibility Criteria)
- Minimum entry age: 18 years
- Maximum entry age: 65 years
- SI: 5 - 10 Lakhs
- Waiting period:
Group Health Insurance
Reliance General Group Mediclaim Insurance covers your employee's health at an economical cost and lets you enjoy tax benefits too. Reliance General ...
Unique Features
- Coverage for employees
- 3 variants available
- Avail tax benefits
Reliance Group Mediclaim Policy (Pros)
- Day care procedures
- Regular health check-ups
- Tax benefits
Reliance Group Mediclaim Policy (Cons)
- Cosmetic treatment
- Treatment of PEDs
- HIV/AIDS treatment
Reliance Group Mediclaim Policy (Other Benefits)
- Family floater clause
- Extra insurance cover
- Cover for all employees and their families
Reliance Group Mediclaim Policy (Eligibility Criteria)
- Entry age: 18 to 65 years
- Policy type: Group medical policy
- Initial waiting period: 30 days
Individual
It's not an emergency if you are always prepared! Reliance Hospi-Care health insurance policy helps you prepare for unforeseen accidents and the uncer...
Unique Features
- 150+ surgeries cover
- 140+ daycare cover
- Lumpsum cash benefits
Reliance Hospi-Care Policy (Pros)
- 150+ listed surgeries
- 140+ daycare procedures
- Daily hospital cash
Reliance Hospi-Care Policy (Cons)
- Treatment outside of India
- Self-inflicted injury
- Breach of law
Reliance Hospi-Care Policy (Other Benefits)
- Hospitalisation due to Dengue/Malaria
- Surgical payout
- Affordable premiums
Reliance Hospi-Care Policy (Eligibility Criteria)
- Entry age: 18 to 65 years
- SI: 1 to 10 Lakhs
- Initial waiting period: 90 days
Recommended Videos
Reliance General Health Insurance
Why Choose Reliance Health?
- Versatile and affordable health insurance plans for every need
- 24X7 customer support for easy claim settlement
- Over 9100 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
What is Covered?
Pre and Post Hospitalization Expenses
Reliance Health Insurance takes care of the rising medical expenses, thus their insurance products offer pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Reliance Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
Reliance health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Reliance health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Reliance health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
Self Inflicted Injuries
Reliance health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Reliance Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Reliance Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Reliance Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Reliance health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Waiting Period in Reliance Health Insurance Company
The waiting period is the duration in which you have to wait before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending on the policy.
Reliance Health Insurance generally adds the following waiting periods:
Initial Waiting Period
This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
Pre-existing Disease Waiting Period
As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
Specific Diseases Waiting Period
This waiting period occurs for a few diseases like cataracts, ENT disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
Maternity Benefit Waiting Period
Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
Mental Illness Waiting Period
Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.
Reliance Health Insurance Plans Buying Process
If you are looking forward to purchasing Reliance Health insurance online, follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Reliance Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased Reliance health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Reliance Health Insurance plan.
Reliance Health Insurance Renewal Process
Follow the steps for Reliance Health Insurance policy renewal
- Step 1
Visit the official website of the company.
- Step 2
Locate the 'Renewal' option on the top menu of the webpage. Then select the 'Renew Health Insurance' option.
- Step 3
Now enter your registered 'Mobile Number'. An 'OTP' will be sent on the number, enter the OTP.
- Step 4
This will take you to the user dashboard. There you can make changes to the policy if needed or continue with the same policy term, benefits, and coverage amount.
- Step 5
Then, click on the 'Payment' option, and select the mode of payment among different payment options.
- Step 6
Receive the confirmation.
Connect with our insurance experts for Reliance health insurance policy renewal at 1800 - 4200 - 269
Reliance Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your Reliance Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of Reliance Health Insurance, and select the "Claim" option. Then click on the "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Documents Required For Reliance Health Policy Claim Settlement
Submit the following documents when filing for Reliance health claims:
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
How To Port To Reliance Health Insurance?
To port your existing policy to Reliance Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Reliance Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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