Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.
Updated on Jul 01, 2025 4 min read
Reliance Health Insurance Claim Settlement Ratio
Claim Settlement Ratio 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, thus ensuring that the insurer you select is reliable or not.
If in the set time period your company will not be able to settle claims, then the whole purpose of buying a plan from this company gets wasted.
Let’s understand with the help of an example, Mr. Ravi availed health insurance from XYZ insurance company, but at the time of his wife’s treatment his health insurance company could not settle claims on time and this caused financial stress and burden among the family members. Therefore, before opting for a health plan, always ensure that your company’s claim support is good.
Talking about Reliance Health Insurance, it is recently separated fromits parent company Reliance General Health Insurance. So, now the health insurance segment will come under Reliance Health Insurance, and from January 2025, they have started commencing claims, renewal, and product pitching. According to the latest data released by IRDAI, the claim settlement ratio of Reliance Health Insurance is 40% and Reliance General Insurance is 99.57% for last three months.
What is the Process to Claim Reliance Health Insurance?
Cashless Claim
Get admitted to one of Reliance’s partnered network hospitals in case of a medical situation.
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.
Inform the insurance provider about the hospitalization at the earliest.
Pay for the treatment and collect all the necessary documents (original copies) 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.
Conclusion
In light of Reliance Health Insurance’s recent separation from Reliance General Insurance, it’s crucial to acknowledge the distinct claim settlement ratios now applicable to each entity. Reliance General Insurance has demonstrated a strong 99.57% claim settlement ratio for the past three months, and Reliance Health Insurance has reported a 40% ratio since commencing its independent operations in January 2025, policyholders should carefully consider these figures. As Reliance Health Insurance establishes its independent track record, understanding both the cashless and reimbursement claim processes remains essential. Prospective and current policyholders are advised to stay informed about the evolving performance of Reliance Health Insurance and to ensure they have all the necessary documentation to navigate the claims process effectively.
To know more about Reliance Health Insurance Companies, and their plans, you can reach out to us at PolicyX.com. We provide you with the expert advice only, and no gimmicks.
Explore other Reliance Health Insurance
To cater to the different medical needs of an individual & their family,
Reliance Health Insurance offers
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autistic
children, to health insurance for cardiac patients, and many more.Take a look below
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Treatment of PEDs
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Family floater clause
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In-patient hospitalization
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Ambulance charges
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OPD cover
Domiciliary hospitalization
Daily Hospital Cash
Organ Donor
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Modern treatment
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Death Cover
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Disability Cover
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Children education fund
Accident hospitalization reimbursement
Increase in CSI
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Daycare procedures
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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
1. Can I claim against my Reliance health insurance policy online?
Yes. You can claim your Reliance health policy online from the official website of the company.
2. What is the claim settlement ratio of Reliance Health Insurance?
Reliance Health Insurance has recently separated from the Reliance General Health Insurance company. Making a standalone health insurance company, the CSR of Reliance Health Insurance is 40% during the first quarter of 2025. However, the CSR of Reliance General Health Insurance Company is 99.57%.
3. What does a 99.57% claim settlement ratio indicate?
It indicates that Reliance General Insurance has settled 99.57% of the eligible claims received within the specified period, demonstrating a high level of reliability in claim settlement.
4. Why is the claim settlement ratio important when choosing a health insurance provider?
The claim settlement ratio reflects the insurer’s reliability, efficiency, and financial ability to handle claims. A high CSR indicates that the insurer is likely to pay claims promptly and reliably.
5. What is the process for filing a reimbursement claim with Reliance Health Insurance?
You need to inform your insurance provider about your treatment. Pay bills for the treatment and collect the original documents. Then submit the documents within 15 days of post-hospitalisation. Your reimbursement amount will be transferred to your account after the verification and approval.
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
Checkout the CSR of Reliance Health 
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