Reliance Health Gain Policy

Overview

The Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance Company. The plan allows customers to customize 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. The Reliance Health Gain Policy is 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 three variants: Plus, Power, and Prime.

With so many features and benefits, the Reliance Health Gain policy ensures that all your healthcare needs are looked after and you do not have to burden your pocket during a medical emergency.

Continue reading to explore more about Reliance Health Gain policy benefits and how it works.

Add-on Features Under Reliance Health Gain Policy

• Guaranteed Cumulative Bonus: Under this benefit, the company waives the condition of a decrease in Cumulative Bonus if a 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 the base sum insured for unrelated illness or injury, with a sub-limit of 100% of the 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 However, with this add-on feature, the benefit of Reinstatement of Base Sum Insured will be superseded.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 coverage for consumable items such as hand wash, shoe covers, caps, cradle charges, and combs. 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 a single hospitalization after exhaustion of the base sum insured under the policy.
• Change in Room-Rent Limits: Under this benefit, the available room categories are:
  • Plus: Twin sharing
  • Power: Actual or twin sharing
  • Prime: Single Private A.C. room
• Reduction in PED Waiting Period: With this feature, one can reduce the Pre-Existing Disease (PED) Waiting Period to 24 months or 12 months.
• Voluntary Aggregate Deductible: Under this, the plan allows you to choose a Voluntary Aggregate Deductible from the following options: INR 10,000, INR 25,000, INR 50,000, and INR 1 Lakh.
• Removal of Co-payment: This benefit waives the Co-Payment condition of 20% on the Assessed Claim Amount, applicable on policies where the insured's age, when first entering into the policy, is 61 years or more.
• Hospital Cash: The plan offers daily hospital cash for in-patient hospitalization and 15 days for ICU hospitalization. A minimum hospitalization of 72 hours is required. Daily cash options available under the plan are INR 1,000, INR 1,500, INR 2,000, and INR 2,500, for a maximum of 30 days.
• Change in Pre/Post Hospitalisation Limit: With this add-on feature, one can enhance the pre-hospitalization limit to 90 days and the post-hospitalization limit to 180 days.
• Air Ambulance: With this add-on feature, one can avail 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:
  • Plus: INR 10,000 lump sum
  • Power: INR 10,000 lump sum
  • Prime: INR 25,000 lump sum
• Health Check-up: With this add-on feature, one can avail coverage against annual health check-ups up to INR 3,000.
• Vaccination Cover: The plan offers vaccination cover against vaccinations like Typhoid, Hepatitis, and Anti-Rabies vaccine, up to:
  • Plus: Annual expenses for vaccination covered up to INR 2,000
  • Power: Annual expenses for vaccination covered up to INR 2,000
  • Prime: 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:
  • Plus: 100% of base sum insured
  • Power: 100% of base sum insured
  • Prime: Not Applicable (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:
  • Plus: Up to INR 50,000
  • Power: Up to INR 1,00,000
  • Prime: 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:
  • Plus: Available up to INR 3,000 as an add-on feature
  • Power: Available up to INR 3,000 as an add-on feature
  • Prime: Available up to INR 5,000 as an add-on feature
• Home Care Treatment: The plan covers medical expenses of the listed home treatments up to 100% of the Sum Insured.
• Companion Cover: The plan covers 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, for a maximum of 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 1,000 towards childcare expenses for any one dependent child covered under the policy up to 12 years of age, for a maximum of 30 days. A minimum of 72 hours of hospitalization is required.

Exclusions

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital disease
• Infertility and in vitro fertilization
• Listed ailments after 24 months
• Pre-existing diseases after 36 months