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Reliance Hospi-Care Policy
It's not an emergency if you are always prepared! Reliance Hospi-Care health insurance policy helps you prepare for unforeseen accidents an…
- 150+ listed surgeries
- 140+ daycare procedures
- Daily hospital cash
Reliance Health Insurance
Reliance Health Insurance
Reliance General Insurance Company Limited offers a wide range of health insurance plans designed to cover different ...Read More
9,100+
Cashless hospitals
87.5%
Claim settlement
5 Cr
Max sum insured
11
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 9,100+ hospitals
📊 2.35x solvency ratio
✅ 87.5% claim settlement
What you get with Reliance Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 5 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
9,100+ cashless hospitals
Direct billing at network hospitals across 127 presence — no out-of-pocket payment at admission.
87.5% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2.35x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
11 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Reliance Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Reliance Health Insurance
Reliance General Health Insurance is an independent subsidiary of Reliance Capital and a part of the Reliance Anil Dhirubhai Ambani Group. Established in 2000, the company now has 131 offices and over 90,000 intermediaries across India. They offer easy accessibility and support. Reliance Health is now a leading health insurance company. Over the past two decades, they have earned 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 various consumer groups. They offer a hassle-free purchase, renewal, and claim process.
9100+ Network Hospitals
81.06% Incurred Claims Ratio
1.5 Solvency Ratio
UP TO 5 Cr Sum Insured
127 Pan India Presence
Some Interesting Facts About Reliance Health Insurance
- They offer 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.
A Quick Outlook
| Cashless Claim Settlement | 24 hours |
| Minimum Entry Age | 3 Months |
| Maximum Entry Age | 65 years |
| Sum Insured | Upto Rs. 5 Crore |
| Network Hospital | More than 9100 |
| Tax Benefits | Upto Rs. 1 Lakh |
| Solvency Ratio (2021-22) | 1.67 |
| Claim Settlement Ratio (2021-22) | 98.65% |
| Ambulance Expenses | Covered |
| Coverage for Accidents | Yes |
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.
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Over 3 crore Policyholders
Reliance Health Insurance has gained the trust of over 3 crore policyholders, making it a very popular health insurance company in India.
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Fast Claim Process
Reliance Health offers a fast claim process. You can apply for the claim process online, for both cashless and reimbursement claims.
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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 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.
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Claim Settlement Rate:
According to the IRDAI Annual Report 2021-22, Reliance Health Insurance settled 98.65% of claims within 3 months, demonstrating its strong ability to process claims efficiently.
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Annual Premium:
As per the IRDAI Annual Report 2021-22, the company's annual premium was 9,408.96 crores, reflecting significant growth.
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Solvency Ratio:
The solvency ratio indicates an insurer's financial strength to meet its long-term obligations. IRDAI mandates a healthy solvency ratio of 1.5. As per the IRDAI Annual Report 2021-22, Reliance Health Insurance's solvency ratio is 1.67.
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Lifelong Renewability:
Reliance Health Insurance offers lifelong renewability, providing continuous coverage and financial security against medical expenses.
Choose Reliance Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Reliance General Health Insurance
This video explains Reliance General Health Insurance in detail.
All 11 Reliance Health Insurance plans
Every plan currently being sold by Reliance Health Insurance, shown side-by-side so you can shortlist quickly.
Reliance Group Mediclaim Policy
Reliance General Group Mediclaim Insurance, offered by Reliance Health Insurance, covers employees' health at an economical cost and provid…
- Day care procedures
- Regular health check-ups
- Tax benefits
Reliance Critical Illness Insurance
Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, ensuring you are worry-free. Relian…
- COVID-19 cover
- No-claim bonus
- Cover for 10 critical illnesses
Corona Kavach Plan
The Reliance Corona Kavach Plan helps alleviate financial stress during COVID-19 treatment by covering your medical expenses. Specifically …
- AYUSH treatment cover
- Ambulance charges
- COVID-19 treatment cover
Reliance Arogya Sanjeevani Plan
Reliance Arogya Sanjeevani's plan is affordable and efficient. In unprecedented times, covering you and your family is a necessity. Relianc…
- In-patient hospitalization
- Daycare treatments
- AYUSH treatments
- Ambulance charges
Health Infinity Plan
Reliance Health Infinity is a comprehensive health insurance plan that comes with a number of benefits and discounts. The policy offers a w…
- In-patient hospitalization
- Daycare expenses
- Domiciliary hospitalization
- Organ donor expenses
Health Gain Policy
Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance company. The plan allows customers to customize the…
- Consumable Cover
- Unlimited Base SI Reinstatement
- Room Rent Modification
Reliance Specially Abled Health Insurance Plan
A cover for those who are one in a million. The Reliance Specially Abled health insurance plan caters to specially-abled individuals who ne…
- In-patient treatment
- Pre and post-hospitalisation
- Cataract covered
- Daycare procedure
Reliance Super Top-Up Insurance Plan
A backup for your medical emergencies. Reliance Health Super Top-up Insurance acts as an essential addition to your basic health insurance.…
- Waiver of premium
- Waiver of deductible
- Worldwide emergency cover
- Tax benefits
Reliance HealthWise Policy
Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The p…
- Daily Hospitalization Allowance
- Domiciliary Hospitalization
- Critical Illness Cover
Reliance Health Personal Accident
Reliance Health Personal Accident Policy covers individuals against accidental death and disability, along with multiple other benefits lik…
- Children Education Fund
- Accident Hospitalization Reimbursement
- Increase in CSI
Quick comparison
Side-by-side across the 3 most-bought Reliance Health Insurance plans on PolicyX.
| Feature | Reliance Hospi-Care Policy | Reliance Group Mediclaim Policy | Reliance Critical Illness Insurance |
|---|---|---|---|
| Plan type | Individual | Group Health Insurance | Critical Illness Health Insurance |
| Sum insured | 1 L, 2 L, 3 L, 4 L, 5 L, 6 L, 7… | NA | 5 L, 7 L, 10 L |
| Entry age | 18 to 65 years | 18 to 65 years | 18 to 65 Years |
| Top benefits | 150+ listed surgeries · 140+ daycare procedures | Day care procedures · Regular health check-ups | COVID-19 cover · No-claim bonus |
What's covered — and what's not
The standard inclusions and exclusions across Reliance Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Reliance Health Insurance plans cover pre and post-hospitalization expenses related to in-patient hospitalization.
- Reliance Health Insurance plans include coverage for AYUSH treatments (Ayurveda, Unani, Siddha, and Homeopathy).
- Reliance health insurance plans cover hospital expenses such as room rent, ICU charges, surgery, and doctor consultations.
- Many Reliance health insurance plans cover daycare procedures that do not require 24-hour hospitalization.
- Reliance health insurance plans cover domiciliary hospitalization (medical care at home) up to specified sub-limits, as recommended by a doctor.
✗ Exclusions
- Reliance health policies do not cover injuries or hospitalization caused by self-harm.
- Reliance Health Insurance plans do not cover cosmetic surgeries or treatments.
- Reliance Health Insurance plans do not cover hospitalizations or accidents caused by adventure sports.
- Reliance Health Insurance plans generally do not cover treatments related to obesity and weight management, such as bariatric surgeries.
- Reliance health insurance plans do not cover hospitalization or injuries caused by unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form (original)
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription (original)
- Original bills, receipts, and discharge summary from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic test reports, radiology reports, and payment receipts
- Indoor case papers
- First Information Report (FIR) and final police report, if applicable
- Post-mortem report, if conducted
- Any other document required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
Waiting Period in Reliance Health Insurance Company
Initial Waiting Period
This waiting period applies for the first 30 days from policy commencement. During this time, you cannot file a claim except for emergency hospitalization due to an accident.
Pre-existing Disease Waiting Period
As per IRDAI, pre-existing diseases are those diagnosed 48 months before purchasing a health insurance plan. Diseases like diabetes, thyroid, and hypertension may have specific waiting periods.
Specific Diseases Waiting Period
This waiting period applies to specific diseases such as cataracts, ENT disorders, joint replacement surgery, and mental illness. The waiting period for these can be up to 24 months, depending on the chosen plan.
Maternity Benefit Waiting Period
Maternity benefits typically begin after a waiting period of 1 to 4 years from policy purchase, depending on the specific plan. Plan your family accordingly.
Mental Illness Waiting Period
Many policies now cover mental illness, but claims can be availed after a specific waiting period, usually 1 to 4 years.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
To purchase Reliance Health Insurance online, follow these simple steps:
- 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 assistance with claims and other queries after your purchase.
You can file for cashless or reimbursement claims for your Reliance Health Insurance Plans by following these easy steps:
- Step 1
Visit the Reliance Health Insurance website, select the "Claim" option, then click on "Claim Intimation" to access the form.
- Step 2
Select "health claim" and provide the requested information, such as policy number, date of birth, and other details.
- Step 3
Select the "claim type" (cashless or reimbursement). Click "authorize" and you will receive an OTP on your verified number.
- Step 4
Verify with the OTP and fill in the required hospital admission information. Select the hospital, and if it's a non-network hospital, provide its details.
- Step 5
Upload the requested documents and click "review".
- Step 6
After reviewing, submit the intimation for the company's review. You will receive a claim intimation number; please note it down for future reference.
To renew your Reliance Health Insurance policy, follow these steps:
- Step 1
Visit the official website of the company.
- Step 2
Locate the 'Renewal' option on the top menu, then select 'Renew Health Insurance'.
- Step 3
Enter your registered mobile number. An OTP will be sent to this number; enter the OTP.
- Step 4
This will take you to the user dashboard, where you can make policy changes or continue with the existing policy term, benefits, and coverage amount.
- Step 5
Click on the 'Payment' option and select your preferred mode of payment.
- Step 6
Receive confirmation.
For assistance with Reliance health insurance policy renewal, connect with our insurance experts at 1800-4200-269.
To port your existing health insurance policy to Reliance Health Insurance, follow these steps:
- Step 1
Fill out the portability form and submit the application to Reliance Health Insurance Company at least 45 days before your existing health plan's renewal date.
- Step 2
As per IRDAI guidelines, the new insurance company will cross-check your medical and claims history with your previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company must communicate its decision (approval or rejection) within 15 days.
Compare and calculate health insurance premiums using the PolicyX premium calculator with these simple steps:
- Step 1
Visit the official website of 'PolicyX'
- Step 2
Fill in details such as name, number of family members to be covered, city, and other relevant information.
- Step 3
Click on 'Get Quotes'
For assistance with Reliance health insurance policy renewal, connect with PolicyX health insurance experts at 1800-4200-269
Frequently asked questions
The 10 most-asked questions about Reliance Health Insurance, answered.
You can check the status of your policy from Reliance Health Insurance by visiting the website of Reliance General Company and entering your username and password in the login tab.
Yes, the Reliance Infinity Insurance plan offers up to a 30% discount.
The plan offers coverage against: Cancer Open Chest Coronary Artery Bypass Graft (CABG) Stroke Multiple Sclerosis
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.
The following methods are available for paying the premium for a Reliance Health Insurance policy: Credit Card Debit Card Net banking
In the case of cashless treatment, Reliance medical insurance pays all the fees for any admissible charges up to the limit of your insured sum.
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
Reliance health insurance plans cover some daycare treatments that do not require hospitalisation for long periods, such as: Chemotherapy Dialysis Lithotripsy Radiotherapy Curettage and Dilation Tonsillectomy Cardiac Catheterization Cataract
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.
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.
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Customer satisfaction
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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