Network hospitals
8600+
Claim settlement ratio
98.65%
Sum insured
Up to 1 CR
No. of Plans
12
Solvency Ratio
1.67
Pan India Presence
128+
Network hospitals
8600+
Claim settlement ratio
98.65%
Sum insured
Up to 1 CR
No. of Plans
12
Solvency Ratio
1.67
Pan India Presence
128+
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.
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.
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
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
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
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:
Coverage status under Reliance Critical Illness Plan?
Under Reliance Critical Illness Plan, the room rent is not covered.
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.
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.
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.
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.
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.
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.
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.
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.
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%.
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.
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
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.
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.
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:
Coverage status under Reliance Critical Illness Plan?
New Born Baby Cover is not available under the Reliance Critical Illness Plan.
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.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Reliance Critical Illness Plan?
Not available.
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.
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.
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.
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under Reliance Critical Illness Plan?
Not available
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.
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.
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
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.
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
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 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.
Permanent Exclusions | Coverage after Waiting Period
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 has multiple advantages that policyholders can avail after the purchase.
Get tax relief under section 80D
Avail Renewal Rewards
Avail coverage against 10 critical illnesses
Hassle free purchase
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
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%.
In case, a critical illness strikes, Reliance Critical Illness covers 10 critical illnesses/surgeries.
With Reliance Critical Illness Plan medical test isn’t a requirement up to the age of 45 years.
To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured (in Rs.) | 5 L | 7 L | 10 L |
Premium Payable | 1369 | 1917 | 2738 |
Sum Insured (in Rs.) | 5 L | 7 L | 10 L |
Premium Payable | 3695 | 5174 | 7391 |
Reliance Health Insurance 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
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
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
Affordable Plan
An affordable and comprehensive policy that covers medical expenses & offers flexibility by providing 3 variants- Gold, Silver & Standard.
Unique Features
Critical Illness Plan
Reliance critical illness health insurance is specifically designed to provide protection to an individual against 10 life-threatening diseases.
Unique Features
Hospital Cash Benefits
A hospital cash benefit plan provides a lump sum payout on listed surgeries and daycare procedures occurring due to illness and injuries.
Unique Features
Super Top-up Plan
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
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
Personal Accident Plan
Saral Suraksha Bima protects the insured for an accident and its aftermath like death or permanent disability.
Unique Features
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
Corona Plan
An affordable health insurance policy that protects you and your family against hospitalization expenses that occur due to COVID-19.
Unique Features
Corona Plan
An affordable health insurance policy that offers lump sum benefits to the insured if diagnosed with COVID-19.
Unique Features
See More Health Insurance Articles
See More Health Insurance Articles
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.
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:
Category II:
Lump sum payment up to coverage, enables the insured to plan the treatment accordingly.
No, Reliance critical illness is an individual policy.
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.
priya
Pune
June 7, 2022
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Ahmedabad
June 7, 2022
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Chandigarh
March 14, 2022
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Mumbai
February 17, 2022
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Kolkata
October 12, 2021
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Kolkata
October 8, 2021
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Gandhinagar
September 2, 2021
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