Network hospitals
9100
Incurred claim ratio
86.31%
Sum insured
Up to 5 CR
No. of Plans
11
Solvency Ratio
1.5
Pan India Presence
127
Network hospitals
9100
Incurred claim ratio
86.31%
Sum insured
Up to 5 CR
No. of Plans
11
Solvency Ratio
1.5
Pan India Presence
127
Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes in 3 different variants, namely Gold, Silver, and Standard Plan. Individuals investing in the Reliance HealthWise Policy can avail of benefits like:
You are also entitled to value-added covers under the plan like daily hospital allowance, nursing allowance, road ambulance, recovery benefit, and more. Reliance HealthWise Insurance is available as an individual and family floater insurance plan.
Before purchasing Reliance HealthWise Insurance it is essential to fulfill the eligibility criteria mentioned in the policy schedule below:
Minimum: 18 Years
Children: 91 Days to 25 Years
Maximum: 65 Years
1 / 2 / 3 year
Individual/Family Floater
1 L | 2 L | 3 L | 4 L | 5 L
30 Days
Reliance HealthWise Insurance offers multiple benefits and features to the customers investing in the plan. We have mentioned a few below
HealthWise Insurance Policy offers multiple sum insured benefits to its customers that are mentioned in the table given below
Coverage for SI: 1 L - 5 L
Room Rent
Covered
ICU Charges
Not Covered
Pre-Hospitalization
Covered for up to 60 Days
Post-Hospitalization
Covered for up to 90 Days
Domiciliary Hospitalization
Covered up to 10% of SI
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Not Applicable
Automatic Restoration
Not Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Applicable, 25% Co-pay
Sub-limits
Not Applicable
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, the room rent is covered.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, ICU charges are not covered.
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, pre-hospitalization is covered for up to 60 days for the gold and silver plan, 30 days for the standard plan.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under the Reliance HealthWise Policy?
Reliance HealthWise Policy covers medical expenses incurred during post-hospitalization for 60 Days for the standard plan and 90 days for the gold and silver plan.
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under the Reliance HealthWise Policy?
Reliance HealthWise Policy covers domiciliary hospitalizations up to 10% of SI.
Treatments that can be treated in less than 24 hours of hospitalisation like blood dialysis, cataract, etc.
Coverage status under the Reliance HealthWise Policy?
Reliance HealthWise Policy covers the expenses of all daycare procedures.
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under the Reliance HealthWise Policy?
OPD charges are not covered under the Reliance HealthWise Policy
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.
Coverage status under the Reliance HealthWise Policy?
Covid-19 Covered.
A common eye condition in which your vision gets blurred.
Coverage status under the Reliance HealthWise Policy?
Reliance HealthWise Policy 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 the Reliance HealthWise Policy?
Reliance HealthWise Policy does not offer a no-claim bonus.
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 the Reliance HealthWise Policy?
Reliance HealthWise Policy does not offer automatic restoration.
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under the Reliance HealthWise Policy?
The Daily hospital cash is available under the Reliance HealthWise Policy
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, organ donor expenses are covered under the gold and silver plan variants
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, Maternity Cover is not available.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, the newborn baby cover is not available.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, AYUSH treatment is not covered.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, IVF is not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Reliance Health Infinity Plan?
Under the Reliance HealthWise Policy, modern treatments are covered up to 50% of SI.
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Reliance Health Infinity Plan?
Under the Reliance HealthWise Policy, ambulance cover is available
Air ambulances are specially prepared planes that transfer the patient from one place to another in a health emergency.
Coverage status under the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, the air ambulance is not covered.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, compassionate travel is not covered.
Any kind of medical/health emergency when you are outside of India.
Coverage status under the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, global coverage is not covered.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, E-consultation is not covered.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, a health check-up is available. Reimbursement of cost of medical check-ups up to 1% of SI for individual policies and up to 1.25% for floater covers, once at the end of a block of four consecutive years.
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 Infinity Plan?
Reliance HealthWise Policy does not cover the expenses for a second medical opinion.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under the Reliance HealthWise Policy?
Reliance HealthWise Policy does not cover vaccination expenses.
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Reliance Health Infinity Policy?
A 25% Co-pay is applicable under the Reliance HealthWise Policy in case insured individual who resides in Zone B avails treatment from Zone A.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Reliance Health Infinity Plan?
Sub-limits are not applicable.
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.
Permanent diseases or health conditions that are not included under the Reliance HealthWise Insurance Policy are mentioned below:
Cosmetic or Plastic Surgery
Breach of Law
Sterility and Infertility
Dental Treatment
Self-Injury or Suicide
Certain diseases and treatments are covered under this plan after a specific period of time as mentioned below:
Listed ailments after 12 Months
Pre-existing diseases after 24/48 Months
HealthWise Plan is a comprehensive and affordable health insurance plan with standard sum insured options and plan variants. The insured individual can customize their coverage as per their needs and requirements. With features such as recovery benefits, modern treatment cover, nursing allowance, and expenses for an accompanying person the Reliance HealthWise Insurance Policy is an ideal health plan for you and your family.
Reliance Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
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
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
Health Plan
A plan designed to meet the needs of a specially-abled community. It covers the cost of hospitalization and many modern treatments.
Unique Features
The various sum insured options available by the company range between INR 1 to 5 Lakhs with three plan variants namely, standard, gold, and solver. Insurance holders can customize the sum insured amount and plan variants as per their requirements.
The eligibility criteria for Reliance HealthWise Insurance Policy are 18 to 65 years for adults. Whereas, dependent children can be covered from 91 Days to 25 Years.
No, under the HealthWise Insurance Policy maternity cover is not available.
Yes, all premiums paid towards the Reliance HealthWise Insurance Policy are eligible for tax benefits as per the Income Tax Act of 1961.
There are multiple benefits and features mentioned in the policy schedule that have been mentioned in the table given above in the article.
See More Health Insurance Articles
See More Health Insurance Articles
4.4
Rated by 2628 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
You May Also Know About
Do you have any thoughts you’d like to share?