Health Gain Policy
  • Individual and Floater option
  • Lifetime Renewability
  • Hassle-free claim process
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Reliance Health Gain Policy

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:

Reliance Health Gain Plan Specifications

Entry Age

91 days to 65 Years

Plan Type

Individual / Family Floater

Policy Term

1 / 2 / 3 year

Renewability

Lifetime Renewability

Sum Insured

5 | 7.5 | 10 | 15 | 20 | 25 | 50 | 75 Lakhs & 1 Crore

Initial Waiting Period*

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.

Read more specifications in the brochure.

Choose Your Reliance Health Gain Plan

Coverage for SI:Plus

In-patient & Out-patient Coverage

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

Coverage Terms

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

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Covered up to 50% of base sum insured

Emergency Coverage

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

Wellness Programmes

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

What is Room Rent?

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:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

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.

What are ICU Charges?

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.

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Reliance Health Gain Policy?

The plan does not cover Cataract Treatment.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Reliance Health Gain Policy?

Not covered

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Reliance Health Gain Policy?

Not covered

What is AYUSH Treatment?

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

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Reliance Health Gain Policy?

Not available

What is a Modern Treatment?

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

What is an Ambulance Cover?

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 CategoryPlusPowerPrime
Ambulance CoverageCovered up to Rs. 1500 per hospitalizationCovered up to Rs. 2000 per hospitalizationCovered as per Actuals (including Intercity ambulance, beyond 100km)
Intercity Ambulance cost (beyond 100km): Rs. 20,000 per hospitalizationIntercity Ambulance cost (beyond 100km):
Rs. 20,000 per hospitalization
What is an Air Ambulance?

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.

What is Compassionate Travel?

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.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Reliance Health Gain Policy?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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 CategoryPlusPowerPrime
CoverageAvailable up to INR 3K as an add-on featureAvailable up to INR 3K as an add-on featureAvailable up to INR 5K as an add-on feature
What is Vaccination cover?

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 CategoryPlusPowerPrime
Vaccination coverAnnual expenses for vaccination covered up to INR 2,000Annual expenses for vaccination covered up to INR 2,000Annual expenses for vaccination covered up to INR 3,500

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 CategoryPlusPowerPrime
    Category of Room capped toTwin sharingActual or twin sharingSingle 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 CategoryPlusPowerPrime
    Convalescence CoverINR 10K lump sumINR 10K lump sumINR 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 CategoryPlusPowerPrime
    Vaccination coverAnnual expenses for vaccination covered up to INR 2,000Annual expenses for vaccination covered up to INR 2,000Annual 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 CategoryPlusPowerPrime
    Modern Treatment Limit100% of base sum insured100% of base sum insuredNA
  • 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 CategoryPlusPowerPrime
    CoverageUp to INR 50,000Up to INR 1,00,000Up 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 CategoryPlusPowerPrime
    CoverageAvailable up to INR 3K as an add-on featureAvailable up to INR 3K as an add-on featureAvailable 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.

Reliance Health Gain Policy Exclusions

Permanent Exclusions

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

Coverage after Waiting Period

Listed ailments after 24 Months

Pre-existing diseases after 36 Months

Explore Reliance Health Insurance

Know more about Reliance Health Insurance plans, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to knowReliance Health Gain Claim Process.

Buying Process

Click to knowReliance Health Gain Buying Process.

Contact Us

Feel free tocontact us for more details.

Explore other Reliance Health Plans

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

  • Waiver of premium on critical illness
  • Consumables Covered
  • Cumulative Bonus of 33.33%

Comprehensive Plan

Comes with a number of amazing benefits and discounts. The plan offers a wide range of sums insured from Rs. 3 Lacs to Rs. 1 crore.

Unique Features

  • No Sub-limits on benefits
  • Robotic surgery for quick recover
  • 90 days free cancellation

Personal Accident Plan

Reliance Personal Accident Insurance Policy

Reimburses the medical expenses incurred during the treatment arising out of the accident and covers disability or death caused by accidents.

Unique Features

  • Child Education Benefit
  • Avail World Wide coverage
  • Zero Paperwork required

Affordable Plan

Reliance HealthWise Insurance Policy

An affordable and comprehensive policy that covers medical expenses & offers flexibility by providing 3 variants- Gold, Silver & Standard.

Unique Features

  • 7% discount for girl child
  • No sub limit on room rent
  • Nursing allowance available

Critical Illness Plan

Reliance Critical Illness Insurance Policy

Reliance critical illness health insurance is specifically designed to provide protection to an individual against 10 life-threatening diseases.

Unique Features

  • No pre-medical required
  • Lump-sum Payment
  • Coverage up to 10 Lakhs

Hospital Cash Benefits

Reliance HospiCare Insurance

Reliance Hospi Care Insurance is a hospital cash benefit product that provides a lump sum payout listed surgeries and daycare procedures occurring due to illness or injury.

Unique Features

  • 150+ surgeries covered
  • Pre-policy health check-ups covered
  • Dengue hospitalization covered

Super Top-up Plan

Reliance Super-Top up Insurance

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

  • Maternity expenses
  • Air Ambulance cover
  • Worldwide Emergency Cover

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

  • Coverage against special treatments
  • Daycare treatments covered
  • Dental Treatment

Personal Accident Plan

Reliance Saral Suraksha Bima

Saral Suraksha Bima protects the insured for an accident and its aftermath like death or permanent disability.

Unique Features

  • SI of 1 crore
  • Discount on add-on
  • Lifelong renewal

Group Health Plan

Reliance Group Mediclaim Policy

A comprehensive plan that covers a group of people working in an organization, & looks after unexpected medical expenses of the group members.

Unique Features

  • Bariatric surgery covered
  • Pre & post hospitalization
  • Maternity Benefit available

Corona Plan

An affordable health insurance policy that protects you and your family against hospitalization expenses that occur due to COVID-19.

Unique Features

  • Coverage up to 5L
  • Home cover available
  • Hospital daily cash cover

Corona Plan

Corona Rakshak Policy

An affordable health insurance policy that offers lump sum benefits to the insured if diagnosed with COVID-19.

Unique Features

  • Coverage up to 2.5L
  • Affordable premiums
  • Avail lumps benefit

Health Insurance Articles

Reliance Health Insurance: Frequently Asked Questions

1. After opting for a policy, how can I check the status of Reliance Health Insurance?

Yes, you can. Just visit the website of Reliance General Company, enter your username and password in the login tab to check the status.

2. Are there any discounts available under the reliance Infinity Insurance Plan?

Yes. The plan offers up to 30% discount.

3. What are the diseases covered as "Critical Illness" under Reliance Health Gain Insurance Policy?

The plan offers coverage against:

  • Cancer
  • Open Chest Coronary Artery Bypass Graft (CABG)
  • Stroke
  • Multiple Sclerosis

4. How can I apply for the cancellation process of Reliance Health Insurance?

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.

5. How to pay the premium of Reliance Health Insurance plans? What are the modes of payment available?

The following methods are available for paying the premium for a Reliance Health Insurance policy:

  • Credit Card
  • Debit Card
  • Net banking

6. Does Reliance General Insurance pay the complete amount in case of cashless treatment?

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.

7. Are daycare treatments covered by the reliance health insurance policy?

Reliance health insurance plans cover some daycare treatments that avoid the need for long hospitalization such as:

  • Chemotherapy
  • Dialysis
  • Lithotripsy
  • Radiotherapy
  • Curettage and Dilation
  • Tonsillectomy
  • Cardiac Catheterization
  • Other new surgeries/procedures

8. Is it possible to change the sum insured amount in the middle of a Reliance mediclaim policy?

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.

9. Is it possible to change the nominee midway through the Reliance mediclaim 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.

Reliance Health Gain Policy Review

Read what customers have to say about Reliance Health Gain Policy health Insurance.

Customer Review Image

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

Customer Review Image

Tulika Sharma

Mumbai

October 12, 2021

got hospitalized receently for a surgery...the company responded the minute my claims were raised. Good support! Thanks!

Customer Review Image

Mayank Tyagi

Indore

October 11, 2021

I m impressed with the service provided by Executives of Reliance Health. They assisted me very patiently

Customer Review Image

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 :)

Customer Review Image

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.

Customer Review Image

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.

Customer Review Image

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.

Customer Review Image

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.

View AllReliance Health Gain Policy Reviews