Reliance Critical Illness Plan: Check Features and Benefits
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Critical Illness Insurance

Reliance Critical Illness insurance offers financial protection agains ...Read More

Up to 5 Cr
Sum insured
1
No. of plans
127+
Pan India presence
87.50%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 9,100+ hospitals
📊 2.35 solvency ratio
✅ 87.50% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 22 Oct 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

Reliance Critical Illness Insurance policy caters to life-threatening and lifestyle-disabling diseases, ensuring you are worry-free. It offers comprehensive benefits, safeguarding the future of the insured individual from multiple serious critical illnesses. Life is uncertain, and critical illnesses can strike unexpectedly. It is crucial to safeguard oneself against such possibilities. Reliance Critical Illness Insurance is a unique plan that covers 10 critical illnesses.

Reliance Critical Illness Insurance is a smart choice from a leading health insurance company in India. It is affordable, offering a wide range of sum insured options that can be adjusted to your needs. There are more than 8,600 network hospitals. Reliance's critical illness insurance policy categorizes critical illnesses into two types: life-threatening and life-disabling, offering adequate coverage for both.

Key Features and Benefits

  • Tax Benefits: Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
  • Renewals: A 5% no-claim discount is offered on every claim-free renewal for a 1-year policy term. A 10% cumulative no-claim discount is offered on every claim-free 3-year policy term, up to a maximum of 50%.
  • 10 Critical Illnesses Covered: The plan covers 10 critical illnesses/surgeries.
  • No Medical Tests Required: No medical tests are required up to the age of 45 years.

Exclusions

  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in-vitro fertilization (IVF)

Sample Premium Illustration of Reliance Critical Illness Health Plan

To understand the premium amount, refer to the sample illustrations below.

Policy Term - 1 Year

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

Policy Term - 3 Years

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

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Critical Illness Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 Years

*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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • COVID-19 cover
  • No-claim bonus
  • Cover for 10 critical illnesses

Cons

  • Hospitalization out of war
  • Congenital disease
  • Intentional self-injury
  • IVF treatment
  • Air ambulance

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum entry age: 18 years
  • Maximum entry age: 65 years
  • Sum Insured (SI): 5: 10 Lakhs
  • Waiting period:

Frequently Asked Questions

The 10 most-asked questions about Critical Illness Insurance, answered.

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.
The minimum entry age to purchase a Reliance critical illness policy is 18 yrs and above.
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.
Medical test is mandatory for Individuals above 45 years. The medical tests will be done at the empanelled diagnostic centers.
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.
No, change in sum insured is not allowed mid-term.
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.
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
Lump sum payment up to coverage, enables the insured to plan the treatment accordingly.
No, Reliance critical illness is an individual policy.

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