Reliance Health Gain Policy

Add-on Feature under Reliance Health Gain Policy:

• Guaranteed Cumulative Bonus :Under this benefit, the company waives off the condition of decrease in Cumulative Bonus if the claim is made in an immediate policy year.
• Unlimited Reinstatement of Base Sum-insured :The plan with this add-on feature will offer unlimited reinstatement of base sum insured on unrelated illness or injury, sub-limit of 100% of base sum insured for related illness/injury. However, with this add-on feature, the benefit of Reinstatement of Base Sum Insured will be superseded.
• Consumable Cover :With this add-on benefit, one can avail of coverage for consumable items such as Hand Wash Shoe covers, Caps, Cradle Charges, Comb etc. For the complete list of consumables refer to the policy wordings.
• Double Cover :With this cover, one can avail an additional 100% of the base sum insured on the same claim, in single hospitalisation after exhaustion of the base sum insured under the policy.
• Change in Room-Rent Limits:Under this benefit, one can change the room rent limits up to

  Plan Category	Plus	Power	Prime
  Category of Room capped to	Twin sharing	Actual or twin sharing	Single Private A.C room

• Reduction in PED Waiting Period :With this feature, one can reduce the Pre-Existing Waiting Period to 24 months or 12 months.
• Voluntary Aggregate Deductible :Under this, the plan allows you to choose Voluntary Aggregate Deductible from the following options - INR 10K, INR25K, INR 50K & INR 1 Lakh.
• Removal of Co-payment :This benefit waives off the Co-Payment condition of 20% on the Assessed Claim Amount, applicable on Policies where the Insured age, first time entering into the Policy is >=61 years.
• Hospital Cash :The plan offers daily hospital cash for In-Patient Hospitalisation and 15 days for ICU Hospitalisation. Minimum Hospitalisation of 72 hours. Daily Cash options available under the plan are INR 1K, 1.5K, 2K & 2.5K max up to 30 days.
• Change in Pre/Post Hospitalisation Limit :With this add-on feature, one can enhance the Pre -hospitalisation limit to 90 days and Post Hospitalisation limit to 180 days.
• Air Ambulance :With this add-on feature, one can avail of coverage against the expenses incurred during the transfer of the patient from one place to another via air. The plan covers costs up to 7.5% of the base sum insured or INR 5 Lakhs whichever is higher.
• Radio Taxi :With this add-on feature, one can get coverage against the expenses incurred during the transfer of the patient from one place to another via a radio taxi. This benefit offers coverage up to INR 1,000 per hospitalization.
• Convalescence Cover :The plan offers Convalescence Cover if the Insured Person is hospitalized for a minimum period of 7 continuous and consecutive days up to:

  Plan Category	Plus	Power	Prime
  Convalescence Cover	INR 10K lump sum	INR 10K lump sum	INR 25,000 lump sum

• Health Check-up :With this add-on feature, one can avail of coverage against annual health check-ups up to INR 3K.
• Vaccination Cover :The plan offers vaccination cover against the vaccinations Typhoid, Hepatitis, Anti-Rabies vaccine etc. up to

  Plan Category	Plus	Power	Prime
  Vaccination cover	Annual expenses for vaccination covered up to INR 2,000	Annual expenses for vaccination covered up to INR 2,000	Annual expenses for vaccination covered up to INR 3,500

• Change in Modern Treatment Limits :With this add-on feature, the plan allows you to increase the limit of modern treatments:

  Plan Category	Plus	Power	Prime
  Modern Treatment Limit	100% of base sum insured	100% of base sum insured	NA

• Vision Correction :This add-on feature covers the medical expenses incurred towards the correction of eyesight due to refractive error. The plan offers coverage up to:

  Plan Category	Plus	Power	Prime
  Coverage	Up to INR 50,000	Up to INR 1,00,000	Up to INR 1,00,000

• Second Opinion :With this add-on rider, get coverage for availing a second opinion from a medical practitioner. The plan offers coverage up to:

  Plan Category	Plus	Power	Prime
  Coverage	Available up to INR 3K as an add-on feature	Available up to INR 3K as an add-on feature	Available up to INR 5K as an add-on feature

• Home Care Treatment :The plan covers medical expenses of the listed home treatments up to 100% of SI.
• Companion Cover :The plan covers the compassionate travel expenses as an add-on feature wherein the company will pay a fixed daily amount of INR 1,000 for the expenses incurred by the companion towards accommodation, transportation, food or any other miscellaneous expenses, max up to 30 days. To avail of this benefit, a minimum of 72 hours of hospitalization is required.
• Child Care Cover :In the event that you are hospitalized and unable to care for your children at home, the company will cover their costs under the add-on feature named, Child Care Cover. The plan offers a fixed daily amount of INR 1K towards childcare expenses for any one dependent child covered under the policy up to 12 years of age, for max up to 30 days. A minimum of 72 hours of hospitalization is required.