Health Gain Policy

Health Gain Insurance Plan is 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 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 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.

Health Gain Policy Specifications

To understand Health Gain Policy Insurance in detail, take a look at the below table:

Entry Age

91 days to 65 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

5 L | 7.5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 75 L | 1 Cr

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2, 3 years

*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 Health Gain Policy

With wide coverage options available, Health Gain Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Covered

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, the available rooms are:

Plan Category Plus Power Prime

Category of Room 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.

Reliance Health Gain Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Reliance Health Gain Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and abortion

Congenital disease

Infertility and in vitro fertilization

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 36 Months

Explore other Reliance Health Insurance

To cater to the different medical needs of an individual & their family, Reliance Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Reliance Health Insurance plans explore more:

Individual

Reliance Health Personal Accident

Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child edu...

Unique Features

Death Cover
Upto 20L SI
Disability Cover

Reliance Health Personal Accident (Pros)

Children education fund
Accident hospitalization reimbursement
Increase in CSI

Reliance Health Personal Accident (Cons)

HIV/AIDS
Breach of law
Maternity and newborn baby cover
Daycare procedures

Reliance Health Personal Accident (Other Benefits)

Accidental death cover
PTD/PPD/TTD covers
Cumulative bonus

Reliance Health Personal Accident (Eligibility Criteria)

Entry Age: Minimum: 18 Years
Dependent Children: 5 to 25 Years
Sum Insured: 5 - 20 Lakhs
Waiting period: Accidental death covered from day 1

Individual and Family Health Insurance

Reliance HealthWise Policy

Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes i...

Unique Features

Customize Your Plan
Critical Illness Cover
Recovery Benefit

Reliance HealthWise Policy (Pros)

Daily Hospitalization Allowance
Domiciliary Hospitalization
Critical Illness Cover

Reliance HealthWise Policy (Cons)

Global coverage
OPD not available
AYUSH treatment not covered

Reliance HealthWise Policy (Other Benefits)

In-patient hospitalization
Daycare procedures
Modern treatment cover
Ambulance charges

Reliance HealthWise Policy (Eligibility Criteria)

Entry age: 18 - 65 Years
SI: 1 L - 5 L
Initial waiting period: 30 Days

Individual and Family Health Insurance

Health Gain Policy

Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance company. The plan allows the customers to customise their poli...

Unique Features

Individual and Floater Options
Lifetime Renewability
Hassle-free Claim Process

Health Gain Policy (Pros)

Consumable Cover
Unlimited Base SI Reinstatement
Room Rent Modification

Health Gain Policy (Cons)

Global coverage unavailable
Breach of law
Intentional injury
OPD not covered

Health Gain Policy (Other Benefits)

Domiciliary hospitalization
Daycare procedures covered
Air ambulance services

Health Gain Policy (Eligibility Criteria)

Entry Age: 91 days to 65 Years
SI: 5 L to 1 Cr
Initial waiting period: 30 Days
Policy term: 1/2/3 Years

Individual and Family Health Insurance

Health Infinity Plan

Reliance Health Infinity is a comprehensive health insurance plan that comes with a number of benefits and discounts. The policy offers wide coverage ...

Unique Features

Pre-policy Medical Check-up
AYUSH Coverage
No Sub-limits

Health Infinity Plan (Pros)

In-patient hospitalisation
Daycare expenses
Domiciliary hospitalization
Organ donor expenses

Health Infinity Plan (Cons)

OPD cover unavailable
No global coverage
Adventure sports
Health check-up unavailable

Health Infinity Plan (Other Benefits)

Modern treatment
Organ donor cover
Co-payment option
Add-on covers applicable

Health Infinity Plan (Eligibility Criteria)

Entry Age 91 days to 65 Years
Policy Type Individual / Family Floater
SI: 3 L to 1 Cr
Initial waiting period: 30 Days

Individual and Family Health Insurance

Reliance Arogya Sanjeevani Plan

Reliance Arogya Sanjeevani's plan is affordable and efficient. In unprecedented times, covering you and your family is a necessity. Reliance Arogya Sa...

Unique Features

AYUSH Benefits
Inclusions and Exclusions
Quick Claim Process

Reliance Arogya Sanjeevani Plan (Pros)

In-patient hospitalization
Daycare treatments
AYUSH treatments
Ambulance charges

Reliance Arogya Sanjeevani Plan (Cons)

OPD cover
Domiciliary hospitalization
Daily Hospital Cash
Organ Donor

Reliance Arogya Sanjeevani Plan (Other Benefits)

Modern treatment
Vaccination
Cataract
Covid-19

Reliance Arogya Sanjeevani Plan (Eligibility Criteria)

Entry Age Minimum: 18 years
Entry Age Maximum: 65 Years
Policy Term 1 Year
Sum Insured: 50K to 10 Lakhs
Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Corona Kavach Plan

To avoid the financial stress and burden during Covid treatment, Reliance Health Insurance offers the Corona Kavach Plan that takes care of your medic...

Unique Features

Covers COVID-19
Check the Eligibility
Coverage Details of the Plan

Corona Kavach Plan (Pros)

AYUSH treatment cover
Ambulance charges
COVID-19 treatment cover

Corona Kavach Plan (Cons)

OPD charges
Daycare procedures
Modern treatment
Organ donor treatment

Corona Kavach Plan (Other Benefits)

Home care treatment
In-patient hospitalization
Pre and post-hospitalization

Corona Kavach Plan (Eligibility Criteria)

Entry Age Child Age: 1 day to 25 yrs
Adult Age: 18 yrs to 65 yrs
SI- 50 K to 5 L
Waiting period - 15 days

Critical Illness Health Insurance

Reliance Critical Illness Insurance

Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, so you are worry-free. Reliance Critical Il...

Unique Features

10 Major Illnesses Covered
Choose Your SI
Avail Tax Benefits

Reliance Critical Illness Insurance (Pros)

COVID-19 cover
No-claim bonus
Cover for 10 critical illnesses

Reliance Critical Illness Insurance (Cons)

Hospitalization out of war
Congenital disease
Intentional self-injury
IVF treatment
Air ambulance

Reliance Critical Illness Insurance (Other Benefits)

Cancer of specified severity
Major organ/Bone marrow transplant
Multiple Sclerosis with persisting symptoms
Third degree burns
Aorta graft surgery

Reliance Critical Illness Insurance (Eligibility Criteria)

Minimum entry age: 18 years
Maximum entry age: 65 years
SI: 5 - 10 Lakhs
Waiting period:

Group Health Insurance

Reliance Group Mediclaim Policy

Reliance General Group Mediclaim Insurance covers your employee's health at an economical cost and lets you enjoy tax benefits too. Reliance General ...

Unique Features

Coverage for employees
3 variants available
Avail tax benefits

Reliance Group Mediclaim Policy (Pros)

Day care procedures
Regular health check-ups
Tax benefits

Reliance Group Mediclaim Policy (Cons)

Cosmetic treatment
Treatment of PEDs
HIV/AIDS treatment

Reliance Group Mediclaim Policy (Other Benefits)

Family floater clause
Extra insurance cover
Cover for all employees and their families

Reliance Group Mediclaim Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Policy type: Group medical policy
Initial waiting period: 30 days

Individual

Reliance Hospi-Care Policy

It's not an emergency if you are always prepared! Reliance Hospi-Care health insurance policy helps you prepare for unforeseen accidents and the uncer...

Unique Features

150+ surgeries cover
140+ daycare cover
Lumpsum cash benefits

Reliance Hospi-Care Policy (Pros)

150+ listed surgeries
140+ daycare procedures
Daily hospital cash

Reliance Hospi-Care Policy (Cons)

Treatment outside of India
Self-inflicted injury
Breach of law

Reliance Hospi-Care Policy (Other Benefits)

Hospitalisation due to Dengue/Malaria
Surgical payout
Affordable premiums

Reliance Hospi-Care Policy (Eligibility Criteria)

Entry age: 18 to 65 years
SI: 1 to 10 Lakhs
Initial waiting period: 90 days

Reliance Health Gain Policy: FAQs

1. Are there any discounts available under the Reliance Infinity Insurance Plan?

Yes, the Reliance Infinity Insurance plan offers up to a 30% discount.

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

You can check the status of your policy from Reliance Health Insurance by visiting the website of Reliance General Company and entering your username and password in the login tab.

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

To cancel the availed policy, submit the policy documents along with the surrender form at the nearest branch or you can submit it online. 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. 6. Does Reliance General Insurance pay the complete amount in case of cashless treatment?

In the case of cashless treatment, Reliance medical insurance pays for any admissible charges up to the limit of your sum insured.

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

Reliance health insurance plans cover some daycare treatments that do not require hospitalisation for long periods, such as: Chemotherapy Dialysis Lithotripsy Radiotherapy Curettage and Dilation Tonsillectomy Cardiac Catheterization Cataract

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.

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

Health Gain Policy

Health Gain Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your Health Gain Policy

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

Add-on Feature under Reliance Health Gain Policy:

Reliance Health Gain Plan Exclusions

Permanent Exclusions

Coverage after Waiting Period

Explore other Reliance Health Insurance

Reliance Health Personal Accident (Pros)

Reliance Health Personal Accident (Cons)

Reliance Health Personal Accident (Other Benefits)

Reliance Health Personal Accident (Eligibility Criteria)

Reliance HealthWise Policy (Pros)

Reliance HealthWise Policy (Cons)

Reliance HealthWise Policy (Other Benefits)

Reliance HealthWise Policy (Eligibility Criteria)

Health Gain Policy (Pros)

Health Gain Policy (Cons)

Health Gain Policy (Other Benefits)

Health Gain Policy (Eligibility Criteria)

Health Infinity Plan (Pros)

Health Infinity Plan (Cons)

Health Infinity Plan (Other Benefits)

Health Infinity Plan (Eligibility Criteria)

Reliance Arogya Sanjeevani Plan (Pros)

Reliance Arogya Sanjeevani Plan (Cons)

Reliance Arogya Sanjeevani Plan (Other Benefits)

Reliance Arogya Sanjeevani Plan (Eligibility Criteria)

Corona Kavach Plan (Pros)

Corona Kavach Plan (Cons)

Corona Kavach Plan (Other Benefits)

Corona Kavach Plan (Eligibility Criteria)

Reliance Critical Illness Insurance (Pros)

Reliance Critical Illness Insurance (Cons)

Reliance Critical Illness Insurance (Other Benefits)

Reliance Critical Illness Insurance (Eligibility Criteria)

Reliance Group Mediclaim Policy (Pros)

Reliance Group Mediclaim Policy (Cons)

Reliance Group Mediclaim Policy (Other Benefits)

Reliance Group Mediclaim Policy (Eligibility Criteria)

Reliance Hospi-Care Policy (Pros)

Reliance Hospi-Care Policy (Cons)

Reliance Hospi-Care Policy (Other Benefits)

Reliance Hospi-Care Policy (Eligibility Criteria)

Reliance Health Gain Policy: FAQs

1. Are there any discounts available under the Reliance Infinity Insurance Plan?

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

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

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

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

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

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

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

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

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