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 8,600 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.

Reliance Critical Illness Insurance Specifications

To understand Reliance Critical Illness Insurance Insurance in detail, take a look at the below table:

Entry Age

18 to 65 Years

Policy Type

Critical Illness Health Insurance

Sum Insured

5 L | 7 L | 10 L

Initial 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.

Read more specifications in the brochure.

Choose Your Reliance Critical Illness Insurance

With wide coverage options available, Reliance Critical Illness Insurance Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

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

Covered

Cataract

Not Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Not Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Covered

Sub-limits

Not Covered

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

Reliance Critical Illness Insurance Plan Exclusions

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
Amount paid towards the premium of this plan is eligible for tax benefits 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.

Explore other Reliance Health Insurance

To cater to the different medical needs of an individual & their family, Reliance Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Reliance Health Insurance plans explore more:

Individual

Reliance Health Personal Accident

Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child edu...

Unique Features

Death Cover
Upto 20L SI
Disability Cover

Reliance Health Personal Accident (Pros)

Children education fund
Accident hospitalization reimbursement
Increase in CSI

Reliance Health Personal Accident (Cons)

HIV/AIDS
Breach of law
Maternity and newborn baby cover
Daycare procedures

Reliance Health Personal Accident (Other 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

Individual and Family Health Insurance

Reliance HealthWise Policy

Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes i...

Unique Features

Customize Your Plan
Critical Illness Cover
Recovery Benefit

Reliance HealthWise Policy (Pros)

Daily Hospitalization Allowance
Domiciliary Hospitalization
Critical Illness Cover

Reliance HealthWise Policy (Cons)

Global coverage
OPD not available
AYUSH treatment not covered

Reliance HealthWise Policy (Other Benefits)

In-patient hospitalization
Daycare procedures
Modern treatment cover
Ambulance charges

Reliance HealthWise Policy (Eligibility Criteria)

Entry age: 18 - 65 Years
SI: 1 L - 5 L
Initial waiting period: 30 Days

Individual and Family Health Insurance

Health Gain Policy

Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance company. The plan allows the customers to customise their poli...

Unique Features

Individual and Floater Options
Lifetime Renewability
Hassle-free Claim Process

Health Gain Policy (Pros)

Consumable Cover
Unlimited Base SI Reinstatement
Room Rent Modification

Health Gain Policy (Cons)

Global coverage unavailable
Breach of law
Intentional injury
OPD not covered

Health Gain Policy (Other Benefits)

Domiciliary hospitalization
Daycare procedures covered
Air ambulance services

Health Gain Policy (Eligibility Criteria)

Entry Age: 91 days to 65 Years
SI: 5 L to 1 Cr
Initial waiting period: 30 Days
Policy term: 1/2/3 Years

Individual and Family Health Insurance

Health Infinity Plan

Reliance Health Infinity is a comprehensive health insurance plan that comes with a number of benefits and discounts. The policy offers wide coverage ...

Unique Features

Pre-policy Medical Check-up
AYUSH Coverage
No Sub-limits

Health Infinity Plan (Pros)

In-patient hospitalisation
Daycare expenses
Domiciliary hospitalization
Organ donor expenses

Health Infinity Plan (Cons)

OPD cover unavailable
No global coverage
Adventure sports
Health check-up unavailable

Health Infinity Plan (Other Benefits)

Modern treatment
Organ donor cover
Co-payment option
Add-on covers applicable

Health Infinity Plan (Eligibility Criteria)

Entry Age 91 days to 65 Years
Policy Type Individual / Family Floater
SI: 3 L to 1 Cr
Initial waiting period: 30 Days

Individual and Family Health Insurance

Reliance Arogya Sanjeevani Plan

Reliance Arogya Sanjeevani's plan is affordable and efficient. In unprecedented times, covering you and your family is a necessity. Reliance Arogya Sa...

Unique Features

AYUSH Benefits
Inclusions and Exclusions
Quick Claim Process

Reliance Arogya Sanjeevani Plan (Pros)

In-patient hospitalization
Daycare treatments
AYUSH treatments
Ambulance charges

Reliance Arogya Sanjeevani Plan (Cons)

OPD cover
Domiciliary hospitalization
Daily Hospital Cash
Organ Donor

Reliance Arogya Sanjeevani Plan (Other Benefits)

Modern treatment
Vaccination
Cataract
Covid-19

Reliance Arogya Sanjeevani Plan (Eligibility Criteria)

Entry Age Minimum: 18 years
Entry Age Maximum: 65 Years
Policy Term 1 Year
Sum Insured: 50K to 10 Lakhs
Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Corona Kavach Plan

To avoid the financial stress and burden during Covid treatment, Reliance Health Insurance offers the Corona Kavach Plan that takes care of your medic...

Unique Features

Covers COVID-19
Check the Eligibility
Coverage Details of the Plan

Corona Kavach Plan (Pros)

AYUSH treatment cover
Ambulance charges
COVID-19 treatment cover

Corona Kavach Plan (Cons)

OPD charges
Daycare procedures
Modern treatment
Organ donor treatment

Corona Kavach Plan (Other Benefits)

Home care treatment
In-patient hospitalization
Pre and post-hospitalization

Corona Kavach Plan (Eligibility Criteria)

Entry Age Child Age: 1 day to 25 yrs
Adult Age: 18 yrs to 65 yrs
SI- 50 K to 5 L
Waiting period - 15 days

Critical Illness Health Insurance

Reliance Critical Illness Insurance

Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, so you are worry-free. Reliance Critical Il...

Unique Features

10 Major Illnesses Covered
Choose Your SI
Avail Tax Benefits

Reliance Critical Illness Insurance (Pros)

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

Reliance Critical Illness Insurance (Cons)

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

Reliance Critical Illness Insurance (Other Benefits)

Cancer of specified severity
Major organ/Bone marrow transplant
Multiple Sclerosis with persisting symptoms
Third degree burns
Aorta graft surgery

Reliance Critical Illness Insurance (Eligibility Criteria)

Minimum entry age: 18 years
Maximum entry age: 65 years
SI: 5 - 10 Lakhs
Waiting period:

Group Health Insurance

Reliance Group Mediclaim Policy

Reliance General Group Mediclaim Insurance covers your employee's health at an economical cost and lets you enjoy tax benefits too. Reliance General ...

Unique Features

Coverage for employees
3 variants available
Avail tax benefits

Reliance Group Mediclaim Policy (Pros)

Day care procedures
Regular health check-ups
Tax benefits

Reliance Group Mediclaim Policy (Cons)

Cosmetic treatment
Treatment of PEDs
HIV/AIDS treatment

Reliance Group Mediclaim Policy (Other Benefits)

Family floater clause
Extra insurance cover
Cover for all employees and their families

Reliance Group Mediclaim Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Policy type: Group medical policy
Initial waiting period: 30 days

Individual

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 and the uncer...

Unique Features

150+ surgeries cover
140+ daycare cover
Lumpsum cash benefits

Reliance Hospi-Care Policy (Pros)

150+ listed surgeries
140+ daycare procedures
Daily hospital cash

Reliance Hospi-Care Policy (Cons)

Treatment outside of India
Self-inflicted injury
Breach of law

Reliance Hospi-Care Policy (Other Benefits)

Hospitalisation due to Dengue/Malaria
Surgical payout
Affordable premiums

Reliance Hospi-Care Policy (Eligibility Criteria)

Entry age: 18 to 65 years
SI: 1 to 10 Lakhs
Initial waiting period: 90 days

Critical Illness Insurance: 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.

Reliance Critical Illness Insurance

Reliance Critical Illness Insurance Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your Reliance Critical Illness Insurance

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Sample Premium Illustration of Reliance Critical Illness Health Plan

Policy Term - 1 Year

Policy Term - 3 Years

Reliance Critical Illness Insurance Plan Exclusions

Reliance Critical Illness Plan Benefits

Tax Benefits

Renewals

10 Critical Illness Covered

No medical tests required

Explore other Reliance Health Insurance

Reliance Health Personal Accident (Pros)

Reliance Health Personal Accident (Cons)

Reliance Health Personal Accident (Other Benefits)

Reliance Health Personal Accident (Eligibility Criteria)

Reliance HealthWise Policy (Pros)

Reliance HealthWise Policy (Cons)

Reliance HealthWise Policy (Other Benefits)

Reliance HealthWise Policy (Eligibility Criteria)

Health Gain Policy (Pros)

Health Gain Policy (Cons)

Health Gain Policy (Other Benefits)

Health Gain Policy (Eligibility Criteria)

Health Infinity Plan (Pros)

Health Infinity Plan (Cons)

Health Infinity Plan (Other Benefits)

Health Infinity Plan (Eligibility Criteria)

Reliance Arogya Sanjeevani Plan (Pros)

Reliance Arogya Sanjeevani Plan (Cons)

Reliance Arogya Sanjeevani Plan (Other Benefits)

Reliance Arogya Sanjeevani Plan (Eligibility Criteria)

Corona Kavach Plan (Pros)

Corona Kavach Plan (Cons)

Corona Kavach Plan (Other Benefits)

Corona Kavach Plan (Eligibility Criteria)

Reliance Critical Illness Insurance (Pros)

Reliance Critical Illness Insurance (Cons)

Reliance Critical Illness Insurance (Other Benefits)

Reliance Critical Illness Insurance (Eligibility Criteria)

Reliance Group Mediclaim Policy (Pros)

Reliance Group Mediclaim Policy (Cons)

Reliance Group Mediclaim Policy (Other Benefits)

Reliance Group Mediclaim Policy (Eligibility Criteria)

Reliance Hospi-Care Policy (Pros)

Reliance Hospi-Care Policy (Cons)

Reliance Hospi-Care Policy (Other Benefits)

Reliance Hospi-Care Policy (Eligibility Criteria)

Critical Illness Insurance: FAQs

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

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

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

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

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

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

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

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

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

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

Explore Reliance Health Insurance

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