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Overview

Health in today’s time is the most critical aspect of our lives. In the rapid pace of life and irregular lifestyles that we follow, the aspect that we neglect the most is our health. By owning a health insurance policy, you will feel mentally relaxed as you can safeguard many unwanted health issues that crop up from time to time. Health Gain policy by Reliance General Insurance Company is one of such policy that is designed to provide comprehensive coverage.

Reliance Health Gain Policy : Benefits and Features

Basic Attributes:

Hospitalization Expenses: All types of hospitalization expenses such as in-patient, day care, pre and post hospitalization are covered. A policyholder does not need to pay anything under such cases. Even the cost of associated medicines and drugs are also under coverage.

Donor Expenses Cover: In case of expenses which are incurred by the organ donor, the company will provide 50% coverage of the base sum insured. Policyholder will also get coverage on ambulance expenses.

Domiciliary Hospitalization Cover: In case of domiciliary expenses when it is difficult to move the patient to a hospital due to their condition or lack of accommodation at the hospital, all the medical expenses of such cases will be covered by the insurance.

Expert View

One of the most useful products of Reliance General Insurance Company. It offers comprehensive cover at reasonable costs. Apart from the coverage, it also offers many helpful discounts. Domiciliary, donor expenses are such expenses which an insurance policy usually does not cover but this plan provides coverage for this as well.

Why Reliance Health Gain Policy?

Cumulative Bonus: This is a bonus awarded at the end of each claim free year. If policyholder does not file any claims for a year, he/she will earn a cumulative bonus of 33.33% on base sum insured, at no extra cost.

Accidental death cover for no claim renewal: The company will provide an accidental death cover of Rs. 1 Lakh/- at the end of every claim-free policy year.

Call Option: If a policyholder doesn't file a claim for 4 consecutive years, then by the end of the 4th year your cumulative bonus will be equal to your base sum insured.

Coverage of Pre Existing Diseases: Maximum pre-existing disease will be covered after a certain period.

Exceptions

Few Diseases not covered: Some diseases such as arthritis (non-infective) osteoarthritis and osteoporosis, gout, rheumatism, spondylitis, spondylosis, spondylolisthesis & intervertebral disc prolapse, joint replacement surgery, benign ear, nose and throat (ent) disorders and surgeries (including, but not limited to, adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty), nasal septum deviation, sinusitis, benign prostatic hypertrophy, cataract surgery of genito-urinary system, hernia, hydrocele, internal tumours, skin tumors, cysts, nodules, polyps, breast lumps and kidney stone among others will not get coverage for first two years of the policy.

Diseases within First 30 days: Ailments that occur within the first 30 days of the policy would not be liable for any coverage.

Non allopathic treatments: Non allopathic, diagnostics, self mediation and unproven treatment are out of coverage.

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