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+
Health Gain Insurance Planis a newly launched health plan by Reliance Health Insurance company. The plan allows the customers to customise their policy by choosing features as per their needs and paying only for what they choose.
The plan provides coverage for daycare treatments, pre and post-hospitalization, expenses related to COVID-19, and other related hospitalization expenses under this plan.Reliance Health Gain Policyis available in individual and family floater options, and offers several benefits such as cashless facilities, restoration benefits, and other add-on features. This plan comes in 3 variants i.e., Plus, Power & Prime.
With so many features and benefits, the Reliance Health Gain policy ensures that all your healthcare needs are looked after and you don't have to burden your pocket during a medical emergency.
Continue reading to explore more about
Reliance Health Gain policy benefits and how it works:
91 days to 65 Years
Individual / Family Floater
1 / 2 / 3 year
Lifetime Renewability
5 | 7.5 | 10 | 15 | 20 | 25 | 50 | 75 Lakhs & 1 Crore
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.
Coverage for SI:Plus
Room Rent
Covered up to SI
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered up to the SI
Daycare Treatment
Covered up to SI
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of the base SI
Automatic Restoration
Available with a sub-limit
Daily Hospital Cash
Available up to INR 2,500 as an add-on feature
Organ Donor
Covered up to INR 5 lakhs
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered up to 50% of base sum insured
Ambulance
Covered up to INR 1500
Air Ambulance
Available as an add-on feature
Compassionate Travel
Available as an add-on feature
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available as an add-on feature
Second Medical Opinion
Available up to INR 3K as an add-on feature
Vaccination
Covered up to INR 2K as an add-on feature
Coverage for SI:Power
Room Rent
Covered up to SI
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered up to the SI
Daycare Treatment
Covered up to SI
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of the base SI
Automatic Restoration
Available with a sub-limit
Daily Hospital Cash
Available up to INR 2,500 as an add-on feature
Organ Donor
Covered up to INR 5 lakhs
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered up to 50% of base sum insured
Ambulance
Covered up to INR 3000
Air Ambulance
Available as an add-on feature
Compassionate Travel
Available as an add-on feature
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available as an add-on feature
Second Medical Opinion
Available up to INR 3K as an add-on feature
Vaccination
Covered up to INR 2K as an add-on feature
Coverage for SI:Prime
Room Rent
Covered up to SI
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered up to the SI
Daycare Treatment
Covered up to SI
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Available up to 100% of the base SI
Automatic Restoration
Available with a sub-limit
Daily Hospital Cash
Available up to INR 2,500 as an add-on feature
Organ Donor
Covered up to INR 10 lakhs
Maternity Cover
Not Covered
New Born Baby Cover
Not Available
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered up to 100% of base sum insured
Ambulance
Covered as per Actuals
Air Ambulance
Available as an add-on feature
Compassionate Travel
Available as an add-on feature
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Available as an add-on feature
Second Medical Opinion
Available up to INR 5K as an add-on feature
Vaccination
Covered up to INR 3.5K as an add-on feature
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 Health Gain Policy.
Under Reliance Health Gain Policy, Single Private AC Room is provided to the policyholder.
Under Reliance Health Gain Policy, the actual room rent is covered.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Reliance Health Gain Policy?
Under this plan, ICU Charges are covered by the SI.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Reliance Health Gain Policy?
This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Reliance Health Gain Policy?
This plan covers medical expenses incurred during post-hospitalization for up to 60 days.
This plan covers medical expenses incurred during post-hospitalization for up to 90 days.
Home hospitalization arrangement for the insured person due to 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 Health Gain Policy?
Under this plan, domiciliary hospitalizations is covered up to the SI.
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Reliance Health Gain Policy?
This plan covers expenses of all daycare procedures up to S.I.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Reliance Health Gain Policy?
Not covered under the plan.
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.
Coverage status under Reliance Health Gain Policy?
COVID-19 treatment cover is available under this plan.
A common eye condition in which your vision gets blurred.
Coverage status under Reliance Health Gain Policy?
The plan does not cover Cataract Treatment.
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 Health Gain Policy?
The plan offers an increase in base sum-insured by 33.33% for every claim-free policy year, subject to a maximum of 100% of base sum-insured and a decrease of 33.33 % of base sum-insured for every claim year.
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 Health Gain Policy?
In the event of a subsequent claim, the plan will reinstate the base sum insured up to 100% for unrelated illness/injury. However, the plan offers this benefit with a sub-limit of 20% of the base sum insured for related illness/injury subsequent and unrelated illness.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Reliance Health Gain Policy?
The plan offers daily hospital cash as an add-on feature 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.
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 Health Gain Policy?
The plan offers coverage against Organ Donor expenses up to 50% of base sum insured, maximum up to INR 5 Lakhs
The plan offers coverage against Organ Donor expenses up to 50% of base sum insured, maximum up to INR 10 Lakhs
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Reliance Health Gain Policy?
Not covered
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 Health Gain Policy?
Not covered
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Reliance Health Gain Policy?
AYUSH treatment is not available
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 Health Gain Policy?
Not available
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Reliance Health Gain Policy?
The plan offers coverage against Modern Treatments up to 50% of base sum insured
The plan offers coverage against Modern Treatments up to 100% of base sum insured
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Reliance Health Gain Policy?
Plan Category | Plus | Power | Prime |
Ambulance Coverage | Covered up to Rs. 1500 per hospitalization | Covered up to Rs. 2000 per hospitalization | Covered as per Actuals (including Intercity ambulance, beyond 100km) |
Intercity Ambulance cost (beyond 100km): Rs. 20,000 per hospitalization | Intercity Ambulance cost (beyond 100km): | ||
Rs. 20,000 per hospitalization |
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 Health Gain Policy?
The plan covers the cost of an air ambulance as additional features up to 7.5% of the base sum insured or INR 5 Lakhs whichever is higher.
Refers to the travelling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Reliance Health Gain Policy?
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 hospitalisation is required.
Any kind of medical/health emergency when you are outside of India.
Coverage status under Reliance Health Gain Policy?
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 Health Gain Policy?
The plan does not cover the expenses for E-consultation.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Reliance Health Gain Policy?
The plan offers an Annual Health Check-up benefit as an add-on benefit. With this add-on feature, one can avail of coverage against annual health check-ups up to INR 3K.
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 Health Gain Policy?
With this add-on rider, one can cover 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 |
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Reliance Health Gain Policy?
The plan offers vaccination cover as an additional feature, 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 |
Reliance Health Insurance Network Hospitals are present in 28 states across the country. With an extensive network of hospitals, Reliance Health Insurance ensures that whatever city you live in, you are medically protected.
Plan Category | Plus | Power | Prime |
Category of Room capped to | Twin sharing | Actual or twin sharing | Single Private A.C room |
Plan Category | Plus | Power | Prime |
Convalescence Cover | INR 10K lump sum | INR 10K lump sum | INR 25,000 lump sum |
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 |
Plan Category | Plus | Power | Prime |
Modern Treatment Limit | 100% of base sum insured | 100% of base sum insured | NA |
Plan Category | Plus | Power | Prime |
Coverage | Up to INR 50,000 | Up to INR 1,00,000 | Up to INR 1,00,000 |
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 |
Permanent diseases or health conditions that are not included under the Reliance Health Gain insurance plan are:
Dental treatment
Intentional/self-inflicted injuries
Non-Allopathy Treatment except AYUSH
War/chemical/nuclear attack
Breach of law with criminal intent
Cosmetic or plastic surgery due to accident/injury/illness
External congenital anomaly
Alcohol/drug/substance abuse
Hazardous or adventurous sports
Dietary Supplements and substances
Investigation and evaluation/wellness and rejuvenation
Listed ailments after 24 Months
Pre-existing diseases after 36 Months
Reliance Health offers a wide range of health insurance plans to fulfil the medical needs of individuals and families.
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
Yes, you can. Just visit the website of Reliance General Company, enter your username and password in the login tab to check the status.
Yes. The plan offers up to 30% discount.
The plan offers coverage against:
In order to cancel the availed policy, submit the policy documents along with the surrender form at the nearest branch. After the successful submission, the refund gets deposited in the respective bank account of the policyholder.
The following methods are available for paying the premium for a Reliance Health Insurance policy:
In the case of cashless treatment, Reliance medical insurance pays all the pay for any admissible charges up to the limit of your sum insured.
Reliance health insurance plans cover some daycare treatments that avoid the need for long hospitalization such as:
No, you cannot change the sum insured amount in the middle of the policy tenure. However, you can change the sum insured amount at the time of renewal of the policy.
Yes, you can change the nominee at any time during the policy tenure. All you have to do is to intimate Reliance Health Insurance with the updated information.
Vidya Bhan
Bhopal
June 13, 2022
Very nice company with a range of health products. I have bought one plan for myself and my husband, and one for my aged in-laws. Happy with both the plans
Tulika Sharma
Mumbai
October 12, 2021
got hospitalized receently for a surgery...the company responded the minute my claims were raised. Good support! Thanks!
Mayank Tyagi
Indore
October 11, 2021
I m impressed with the service provided by Executives of Reliance Health. They assisted me very patiently
Kashi Pradhan
Allahabad
September 1, 2021
Bought the health plan for my parents. now I m assured that their health is not compromised due to money :)
Puneet sharma
Chandigarh
August 18, 2021
Reliance company ka health insurance bahut acha hai, aur premiums bhi bht affordable hai, aur bht jaldi claim ko settle karti hai, muje inki service bahut pasand aayi.
Roopal Ganguly
Jaipur
May 10, 2021
I bought this policy in times of pandemic and it is a must-have policy. Services are really very good and I am satisfied with this company. The claim ratio is also good.
Rishabh Kalra
Indore
May 6, 2021
Hi, I am Rishabh. I took this policy a year ago. The claim settlement of this company is good. You can go for this company.
Kanchi paul
Lukhnow
May 4, 2021
One day when i was watching TV i saw add of reliance health. I called them and the agents are so helpful. They resolved my query and i bought a plan from.
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