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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 an…
- 150+ listed surgeries
- 140+ daycare procedures
- Daily hospital cash
Reliance Health Insurance
Reliance HealthWise Policy
Comprehensive health insurance covers 360-degree healthcare services, ...Read More
Up to 5 Cr
Sum insured
1
No. of plans
127+
Pan India presence
87.50%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,700 reviews
🏥 9,100+ hospitals
📊 2.35 solvency ratio
✅ 87.50% claim settlement
About Reliance HealthWise Policy
A quick read on what this Reliance Health Insurance plan covers and why it might be a fit for you.
Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes in three different variants: Gold, Silver, and Standard Plan. Individuals investing in the Reliance HealthWise Policy can avail of benefits such as:
- Hospitalization Cover
- Domiciliary Hospitalization
- Multiple Discounts
- Critical Illnesses
- Modern Treatments
You are also entitled to value-added covers under the plan, such as daily hospital allowance, nursing allowance, road ambulance, recovery benefit, and more. Reliance HealthWise Insurance is available as an individual and family floater insurance plan.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 year
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Daily Hospitalization Allowance
- Domiciliary Hospitalization
- Critical Illness Cover
Cons
- Global coverage
- OPD not available
- AYUSH treatment not covered
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Not covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
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Reliance HealthWise Policy Benefits
Reliance HealthWise Insurance offers multiple benefits and features to customers investing in the plan. Key benefits include:
- Multiple Discounts: The HealthWise Policy by Reliance offers various discounts, including a 5% renewal discount, a 12% online purchase discount, a 7% discount if the policy is purchased for a girl child, and a 5% discount for opting for a voluntary deductible.
- Daily Hospitalization Allowance: Under the HealthWise Insurance Plan by Reliance, insured individuals can avail up to INR 300 per day for a maximum of 10 days of hospitalization in case of listed critical illnesses.
- Domiciliary Hospitalization: Reliance HealthWise Insurance Policy offers up to 10% of the Sum Insured as a domiciliary hospitalization benefit to insured individuals.
- Critical Illness Cover: Insured individuals can avail a critical illness cover under the Reliance HealthWise Insurance Policy if opting for the Gold Plan variant.
- Tax Benefits: All premiums paid towards the HealthWise Insurance Policy by Reliance Health Insurance are eligible for tax benefits under the Income Tax Act, 1961.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Cosmetic or Plastic Surgery
- Breach of Law
- Sterility and Infertility
- Dental Treatment
- Self-Injury or Suicide
- Listed ailments after 12 Months
- Pre-existing diseases after 24/48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: 18: 65 Years
- SI: 1 L: 5 L
- Initial waiting period: 30 Days
Other features & benefits
- In-patient hospitalization
- Daycare procedures
- Modern treatment cover
- Ambulance charges
Reliance HealthWise Policy: FAQs
The 5 most-asked questions about Reliance HealthWise Policy, answered.
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.
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