Critical Illness Insurance
  • 10 Major illnesses cover
  • Choose your own SI
  • Avail tax benefits
premium

Network hospitals

9100

premium

Incurred claim ratio

86.31%

premium

Sum insured

Up to 5 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.5

premium

Pan India Presence

127

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

9100

premium

Incurred claim ratio

86.31%

premium

Sum insured

Up to 5 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.5

premium

Pan India Presence

127

Reliance Critical Illness Insurance

Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, so you are worry-free. ​Reliance Critical Illness insurance offers comprehensive benefits making the future of the insured individual safe from multiple serious critical illnesses. Life is uncertain and so are critical illnesses which is why an individual needs to safeguard themselves against such possibilities. Reliance Critical Illness Insurance is a unique plan that covers 10 critical illnesses.

Reliance Critical Illness Insurance is a smart choice as it is a leading health insurance company in India. Reliance Critical Illness Insurance is affordable and there is a wide range of sum insured to choose from where you can also adjust the plan according to your needs. There are more than 8,6​0​0​ network hospitals. Reliance's critical illness insurance policy divides critical illnesses into 2 different categories and offers adequate coverage namely, life-threatening and life-disabling.

Plan Specifications of Reliance Critical Illness Insurance Plan

Child Entry Age

Minimum: Minimum: Adult: 18 years

Adult Entry Age

Maximum: 65 Years

Sum Insured (In Rs.)

5 L | 7 L | 10 L

Plan Type

Individual

Policy Term

1/3 Years

Initial Waiting Period

30 Days*

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your Reliance Critical Illness Plan

With comprehensive coverage options, Reliance Critical Illness Insurance lets you customize your health insurance plan as per your requirements:

In-patient & Out-patient coverage

Room Rent

Not Covered

ICU Charges

Not Covered

Pre-Hospitalization

Not Covered

Post-Hospitalization

Not Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Not Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Available up to 50% of SI

Automatic Restoration

Not Applicable

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Available

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Available

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Not Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Not Available

Sub-limits

Not Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Reliance Critical Illness Plan?

Under Reliance Critical Illness Plan, the room rent is not covered.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Reliance Critical Illness Plan?

Under Reliance Critical Illness Plan, ICU charges are not covered.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Reliance Critical Illness Plan?

This plan does not cover medical expenses incurred during pre-hospitalization.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Reliance Critical Illness Plan?

This plan does not cover medical expenses incurred during post-hospitalization.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Reliance Critical Illness Plan?

Under Reliance Critical Illness Plan, domiciliary hospitalization is covered Up to SI.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Reliance Critical Illness Plan?

This plan does not cover the expenses of daycare treatment.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Reliance Critical Illness Plan?

This plan does not cover OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Reliance Critical Illness Plan?

COVID-19 treatment coverage is not available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Reliance Critical Illness Plan?

The plan does not cover cataract treatment expenses.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Reliance Critical Illness Plan?

10% No Claim discount on cumulative basis upon every claim free 3 year policy term subject to a maximum of 50%.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Reliance Critical Illness Plan?

Automatic restoration is not available.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Reliance Critical Illness Plan?

The daily hospital cash is not available

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Reliance Critical Illness Plan?

Under the plan, organ donor expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Reliance Critical Illness Plan?

Maternity expense is not covered under the Reliance Critical Illness Plan.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment

Coverage status under Reliance Critical Illness Plan?

New Born Baby Cover is not available under the Reliance Critical Illness Plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Reliance Critical Illness Plan?

Not Covered Under Reliance Critical Illness Plan.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Reliance Critical Illness Plan?

Not available.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Reliance Critical Illness Plan?

Under Reliance Critical Illness Policy modern treatments are not covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Reliance Critical Illness Plan?

Not Covered under Reliance Critical Illness Plan.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Reliance Critical Illness Plan?

Not Covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder get admitted to a hospital outside his/her residential city.

Coverage status under Reliance Critical Illness Plan?

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Reliance Critical Illness Plan?

Not available

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Reliance Critical Illness Plan?

The plan does not cover e-consultations.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Reliance Critical Illness Plan?

Under the Reliance Critical Illness Plan, a health checkup is not available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Reliance Critical Illness Plan?

Not Available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Reliance Critical Illness Plan?

The plan does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Reliance Critical Illness Plan?

Not Applicable

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Reliance Critical Illness Plan?

Not Applicable

Reliance Health Insurance Network Hospital List

Reliance Health Insurance Network Hospitals are present in 34 states across the country. With an extensive network of hospitals, Reliance Health Insurance ensures that whatever city you live in, you are medically protected.

Other Health Insurance Companies

Reliance Critical Illness Insurance Plan Exclusions

Permanent Exclusions | Coverage after Waiting Period

Permanent Exclusions

Permanent diseases or health conditions that are not included under Reliance Critical Illness Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Reliance Critical Illness Plan Benefits

Reliance Critical Illness Plan has multiple advantages that policyholders can avail after the purchase.

Tax Benefits

Get tax relief under section 80D

Renewals

Avail Renewal Rewards

10 Critical Illness Covered

Avail coverage against 10 critical illnesses

No medical tests required

Hassle free purchase

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Renewals

5% no-claim discount upon every claim-free renewal for a 1-year policy term.

10% No Claim discount on a cumulative basis upon every claim free 3-year policy term subject to a maximum of 50%.

10 Critical Illness Covered

In case, a critical illness strikes, Reliance Critical Illness covers 10 critical illnesses/surgeries.

No medical tests required

With Reliance Critical Illness Plan medical test isn’t a requirement up to the age of 45 years.

Sample Premium Illustration of Reliance Critical Illness Health Plan

To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.

Policy Term - 1 Year

Sum Insured (in Rs.) 5 L 7 L 10 L
Premium Payable 1369 1917 2738

Policy Term - 3 Years

Sum Insured (in Rs.) 5 L 7 L 10 L
Premium Payable 3695 5174 7391

Explore other Reliance Health Plans

Reliance Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

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

  • Avail waiver of premium
  • Consumables Covered
  • Cumulative Bonus of 33.33%

Health Gain Insurance Policy (Pros)

  • Second Opinion Cover
  • Vaccination Cover
  • Health Check-up Cover
  • Home Care Treatment
  • Vision Correction Cover

Health Gain Insurance Policy (Cons)

  • Unproven Treatments Unavailable
  • Overseas treatment Unavailable
  • Hazardous Activity not covered
  • Infertility Treatment not covered
  • Cosmetic Surgery unavailable

Health Gain Insurance Policy (Other Benefits)

  • Companion Cover
  • Child Care Cover
  • Radio Taxi Cover
  • Convalescence Cover
  • Air Ambulance Cover

Health Gain Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive Plan

A plan that covers you and your family offering a sum insured of 5 lakhs to 5 crores. The plan offers 15 different types of discounts.

Unique Features

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

Health Infinity Insurance (Pros)

  • 10% Online discount
  • 5% Early Bird Discount
  • 10% Stay Healthy Discount
  • Credit score discount
  • Concurrent Disclosure Discount

Health Infinity Insurance (Cons)

  • No Obesity Treatment Cover
  • Infertility Treatment Unavailable
  • No Alternative treatments
  • Out-patient not covered
  • Cosmetic Surgery unavailable

Health Infinity Insurance (Other Benefits)

  • 5% Girl Child Discount
  • Restore Benefit
  • 2.5% Vaccination Discount
  • 5% BMI Discount
  • 2.5 % Renewal Discount

Health Infinity Insurance (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 5 Crore
  • Waiting Period - 30 Days

Personal Accident Plan

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

Personal Accident Policy (Pros)

  • Carriage of Mortal Cover
  • 5% Increase On SI
  • Flexible Policy
  • Day Care Procedures Covered
  • Accident Death Benefit

Personal Accident Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • No Pregnancy Cover
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Personal Accident Policy (Other Benefits)

  • Permanent Disability Covered
  • Easy Claim Process
  • Medical Extension Cover
  • AYUSH treatment Cover
  • No Medical Test

Personal Accident Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 20 L
  • Waiting Period - 30 Days

Affordable Plan

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

HealthWise Insurance Policy (Pros)

  • Stem Cell Treatment Cover
  • Domiciliary Hospitalisation
  • Health Check-up Cover
  • Critical Illness Covered
  • Donor Expenses Covered

HealthWise Insurance Policy (Cons)

  • No Breach of law Cover
  • No Dietary Supplements Cover
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

HealthWise Insurance Policy (Other Benefits)

  • Recovery Benefit
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • Critical Illness Cover
  • 5 % Renewal Discount

HealthWise Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Hospital Cash Benefits

Reliance HospiCare Insurance

A hospital cash benefit plan provides a lump sum payout on listed surgeries and daycare procedures occurring due to illness and injuries.

Unique Features

  • 150+ surgeries covered
  • Health check-ups covered
  • Dengue hospitalization covered

HospiCare Insurance (Pros)

  • Health Check-Up
  • ICU Charges Covered
  • Ambulance Cover
  • Day Care Expenses Covered
  • Dengue Cover

HospiCare Insurance (Cons)

  • No Global Cover
  • Alcoholism Cover Unavailable
  • Hazardous Activity not covered
  • No Suicide Cover
  • Cosmetic Surgery unavailable

HospiCare Insurance (Other Benefits)

  • 10% Online Discount
  • 10% Policy Tenure Discount
  • 100% SI on Surgical Procedure
  • 10% Existing Customers Discount
  • SI Enhancement on Renewal

HospiCare Insurance (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 90 Days

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

Super-Top up Insurance (Pros)

  • Road Ambulance Cover
  • 50% Cumulative Bonus
  • Waiver of Deductible
  • Day Care Procedures Covered
  • Health Check-Up Cover

Super-Top up Insurance (Cons)

  • No Suicide Cover
  • Dietary Supplements Not Covered
  • Refractive Error not covered
  • Weight Control not covered
  • Cosmetic Surgery unavailable

Super-Top up Insurance (Other Benefits)

  • Free Health Check Up
  • Domiciliary Hospitalization
  • Modern Treatments Cover
  • AYUSH treatment Cover
  • Organ Donor Cover

Super-Top up Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1.30 Cr
  • Waiting Period - 30 Days

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

  • Special treatments Cover
  • Daycare treatments covered
  • Dental Treatment

Arogya Sanjeevani (Pros)

  • Ayush Benefit
  • Cataract Treatment
  • Flexible Policy
  • Cumulative Bonus
  • Pre & Post Hospitalisation

Arogya Sanjeevani (Cons)

  • 5% Co-payment
  • No Unproven Treatments
  • No Dental Treatment
  • No Domiciliary Hospitalization
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

  • 5% Customer Discount
  • 3% Renewal Benefit
  • Inpatient Care Cover
  • 10% Family Discount
  • Special treatments Cover

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -50 Thousand to 10 L
  • Waiting Period - 30 Days

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

Saral Suraksha Bima (Pros)

  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Death Benefit
  • Education Grant To Child
  • Spouse Cover

Saral Suraksha Bima (Cons)

  • No Global Coverage
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • No War Injury Cover
  • Cosmetic Surgery unavailable

Saral Suraksha Bima (Other Benefits)

  • Lifelong Renewal
  • 100% Benefit on SI
  • Family Covered
  • Lifetime Renewal
  • No Waiting Period

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Group Health Plan

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

Group Mediclaim Policy (Pros)

  • Inpatient care
  • Family Cover
  • Cashless Treatment
  • 9,100+ Network Hospitals
  • Tax benefit

Group Mediclaim Policy (Cons)

  • No Domiciliary hospitalization
  • Lasik Surgery Unavailable
  • Septoplasty not covered
  • Ozone Therapy not covered
  • Robotic treatment unavailable

Group Mediclaim Policy (Other Benefits)

  • 7 to 1000 Workers Covered
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Room rent charges covered

Group Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50,000 & 1,00,000
  • Waiting Period - NA

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 Kavach Policy (Pros)

  • AYUSH Cover
  • Nursing Expenses Cover
  • Flexible Policy Period
  • PPE Kit Cover
  • ICU Cover

Corona Kavach Policy (Cons)

  • Dietary supplements unavailable
  • Obesity treatment unavailable
  • OPD not covered
  • Unproven treatments unavailable
  • Cosmetic Surgery unavailable

Corona Kavach Policy (Other Benefits)

  • Parents-in-law Cover
  • Road Ambulance Cover
  • Hospitalisation Expenses
  • AYUSH treatment Cover
  • Dependent Child Covered

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

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

Corona Rakshak Policy (Pros)

  • 71 hours of hospitalization benefit
  • Get 100% of SI back
  • Flexible policy
  • 15 days waiting period
  • Tax Benefit

Corona Rakshak Policy (Cons)

  • Pre Existing Disease Not Covered
  • Obesity Treatment Unavailable
  • No Global Coverage
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Corona Rakshak Policy (Other Benefits)

  • Hassle-Free Claim Settlement
  • Road Ambulance Cover
  • Mild Symptoms Cover
  • Discounts on Plan
  • No Pre Policy Checkup

Corona Rakshak Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 2.5 L
  • Waiting Period - 15 Days

Health Plan

Reliance Specially Abled Health Insurance

A plan designed to meet the needs of a specially-abled community. It covers the cost of hospitalization and many modern treatments.

Unique Features

  • 9100 + Network Hospitals
  • Pre Existing Disease Covered
  • Specified Disease Cover

Specially Abled Health Insurance (Pros)

  • Affordable Plan
  • Modern Treatment Cover
  • Flexible Policy
  • Cataract Covered
  • Emergency Ground Ambulance

Specially Abled Health Insurance (Cons)

  • No War Injury Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Specially Abled Health Insurance (Other Benefits)

  • AYUSH Cover
  • Road Ambulance Cover
  • Pre- Post Hospitalization
  • Tax Benefits
  • In- Patient Hospitalization

Specially Abled Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

Reliance Critical Illness Plan: FAQs

1. What are the sum insured options available under Reliance Critical Illness Insurance?

Critical Health Insurance Policy safeguards the health from the impact of 10 major illness there by offering financial security to the Individual. Reliance Health insurance allows planning for such events without feeling the financial burden of treatment with wider Sum Insured options 5 Lac, 7 Lac and 10 Lacs.

2. What is the minimum entry age to purchase a Reliance Critical Illness Insurance Policy?

The minimum entry age to purchase a Reliance critical illness policy is 18 yrs and above.

3. What is the maximum age for renewal under Reliance Critical Illness Insurance?

  • The Maximum entry age to purchase a Reliance critical illness policy for 5 lac Sum insured is 65 years.
  • The Maximum entry age to purchase a Reliance critical illness policy for 7 lac Sum insured is 60 years.
  • The Maximum entry age to purchase a Reliance critical illness policy for 10 lac Sum insured is 55 years.

4. Will I have to take a medical test before purchasing Reliance Critical Illness Insurance?

Medical test is mandatory for Individuals above 45 years. The medical tests will be done at the empanelled diagnostic centers.

5. Can I change the nominee in the mid-term of the policy?

You can change the nominee for your Critical illness policy at any time during the policy term. To change the nominee, all you need to do is to give your changed nominee details to the company.

6. Can the sum insured be changed during the policy term?

No, change in sum insured is not allowed mid-term.

7. What is the waiting period applicable to Reliance Critical Illness Insurance?

Critical illness contracted or evidenced through signs and symptoms within 3 months of the inception date of this Policy. This exclusion doesn’t apply for subsequent renewals with the company without a break.

8. What are the diseases covered in Reliance Critical Illness Insurance?

Reliance Critical Illness covers multiple critical illnesses:

Category I:

  • Cancer with specific severity
  • Major organ/Bone marrow transplant
  • Multiple sclerosis with persisiting symptoms
  • Third degree burn
  • Aorta graft surgery

Category II:

  • Open heart replacement or repair of valves
  • Coma of specific severity
  • Quadriplegia/Permanent paralysis of all four limbs
  • Total Blindness
  • Kidney failure requiring regular dialysis

9. What is the coverage offered through Reliance Critical Illness?

Lump sum payment up to coverage, enables the insured to plan the treatment accordingly.

10. Can I cover my spouse under Reliance Critical Illness?

No, Reliance critical illness is an individual policy.

Read Reviews & Ratings

Customer Review Image

Simran Oberai

Gurgaon

February 26, 2024

My search for the best cancer insurance plan for me ended with the SBI Critical Illness health insurance plan suggested by insurance experts at PolicyX.

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Ritika Bhalla

Kolkata

February 16, 2024

For all my SBI health insurance plan queries like premium comparison, renewal, and rider information I turn to PolicyX.

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Sakshi Kapoor

Ranchi

February 16, 2024

Maternity insurance was a major concern for me. PolicyX suggested the SBI Super Health Insurance which has got everything I need and more.

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Toshani Yadav

Meerut

February 16, 2024

I am extremely happy with PolicyX customer support, as I was stuck with a claim settlement request for my SBI Health Edge claims and they solved it quickly.

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Bilal

Bhopal

February 16, 2024

I am happy with the customer support of PolicyX as they helped me with the queries for my SBI Health Edge policy.

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Thomas

Kochi

January 14, 2024

Good insurance,hassle free clearance at aster medicity with help of aldun.covered full amount for my wife& 039;s maternity admission. New born charges were not covered

Customer Review Image

Piyush Kumar

Indore

May 1, 2023

PolicyX offers a wide range of insurance options from various insurance providers. Their website allowed me to compare different policies and choose the one that best suits my needs and budget.

Customer Review Image

priya

Pune

June 7, 2022

Best buy and reliable. I recently got a life insurance for myself from SBI. Also, my purchasing experience was made easy and swift, apart from the best deal given by PolicyX.

View All Reliance Health Insurance Reviews

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.