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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 an…
- 150+ listed surgeries
- 140+ daycare procedures
- Daily hospital cash
Reliance Health Insurance
Reliance Critical Illness Insurance
Reliance Critical Illness insurance plan offers coverage for healthcar ...Read More
Up to 5 Cr
Sum insured
1
No. of plans
127+
Pan India presence
87.50%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,700 reviews
🏥 9,100+ hospitals
📊 2.35 solvency ratio
✅ 87.50% claim settlement
About Reliance Critical Illness Insurance
A quick read on what this Reliance Health Insurance plan covers and why it might be a fit for you.
Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, ensuring you are worry-free. Reliance Critical Illness insurance 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. Reliance Critical Illness Insurance 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.
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
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- Miscarriage and Abortion
- Congenital disease
- Infertility and In-vitro Fertilization (IVF)
- Tax Benefits Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
- Renewals 5% no-claim discount 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.
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:
Other features & benefits
- Cancer of specified severity
- Major organ/Bone marrow transplant
- Multiple Sclerosis with persisting symptoms
- Third degree burns
- Aorta graft surgery
Critical Illness Insurance: FAQs
The 10 most-asked questions about Reliance 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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