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:
Hospitalization Cover
Domiciliary Hospitalization
Multiple Discounts
Critical Illnesses
Modern Treatments and more
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:
Entry Age
Minimum: 18 Years Children: 91 Days to 25 Years
Maximum Age
Maximum: 65 Years
Policy Term
1 / 2 / 3 year
Plan Type
Individual/Family Floater
Sum Insured
1 L | 2 L | 3 L | 4 L | 5 L
Initial Waiting Period*
30 Days
Reliance HealthWise Policy Benefits
Reliance HealthWise Insurance offers multiple benefits and features to the customers investing in the plan. We have mentioned a few below
Multiple Discounts: Health Wise Policy by Reliance offers multiple discounts such as a 5% renewal discount, 12 % online purchase discount, 7% discount if the policy is purchased for a girl child, and a 5% discount on opting for a voluntary deductible under the policy.
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 Sum insured of 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 the premiums paid towards the HealthWise Insurance Policy by Reliance Health Insurance are eligible for tax benefits under the Income Tax Act, 1961.
Choose Your Reliance HealthWise Insurance Policy
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
In-patient & Out-patient Coverage
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
Coverage Terms
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
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable, 25% Co-pay
Sub-limits
Not Applicable
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, the 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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, ICU charges are not covered.
What is Pre Hospitalization?
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.
What is Post Hospitalization?
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.
What is Domiciliary Hospitalization?
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.
What is Daycare Treatment?
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.
What are OPD charges?
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
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 the Reliance HealthWise Policy?
Covid-19 Covered.
What is Cataract Treatment?
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.
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 the Reliance HealthWise Policy?
Reliance HealthWise Policy does not offer a no-claim bonus.
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 the Reliance HealthWise Policy?
Reliance HealthWise Policy does not offer automatic restoration.
What is Daily Hospital Cash?
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
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, organ donor expenses are covered under the gold and silver plan variants
What is a Maternity Cover?
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.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, the newborn baby cover is not available.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, AYUSH treatment is not covered.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, IVF is 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 Infinity Plan?
Under the Reliance HealthWise Policy, modern treatments are covered up to 50% of SI.
What is an Ambulance Cover?
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
What is an Air Ambulance?
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.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, compassionate travel is not covered.
What is Global Coverage?
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.
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 the Reliance HealthWise Policy?
Under the Reliance HealthWise Policy, E-consultation is not covered.
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 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.
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 Infinity Plan?
Reliance HealthWise Policy does not cover the expenses for a second medical opinion.
What is Vaccination cover?
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.
What is Co-payment?
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.
What is the Sub limit?
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 Hospital List
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 Exclusions| Coverage After Waiting Period
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
Coverage after Waiting Period
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
Conclusion
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.
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
Avail waiver of premium
Consumables Covered
Cumulative Bonus of 33.33%
Health Gain Insurance Policy (Pros)
Second Opinion Cover
Vaccination Cover
Health Check-up Cover
Home Care Treatment
Vision Correction Cover
Health Gain Insurance Policy (Cons)
Unproven Treatments Unavailable
Overseas treatment Unavailable
Hazardous Activity not covered
Infertility Treatment not covered
Cosmetic Surgery unavailable
Health Gain Insurance Policy (Other Benefits)
Companion Cover
Child Care Cover
Radio Taxi Cover
Convalescence Cover
Air Ambulance Cover
Health Gain Insurance Policy (Eligibility Criteria)
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 Kavach Policy (Pros)
AYUSH Cover
Nursing Expenses Cover
Flexible Policy Period
PPE Kit Cover
ICU Cover
Corona Kavach Policy (Cons)
Dietary supplements unavailable
Obesity treatment unavailable
OPD not covered
Unproven treatments unavailable
Cosmetic Surgery unavailable
Corona Kavach Policy (Other Benefits)
Parents-in-law Cover
Road Ambulance Cover
Hospitalisation Expenses
AYUSH treatment Cover
Dependent Child Covered
Corona Kavach Policy (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 5 L
Waiting Period - 15 Days
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
Corona Rakshak Policy (Pros)
71 hours of hospitalization benefit
Get 100% of SI back
Flexible policy
15 days waiting period
Tax Benefit
Corona Rakshak Policy (Cons)
Pre Existing Disease Not Covered
Obesity Treatment Unavailable
No Global Coverage
HIV/AIDS not covered
Cosmetic Surgery unavailable
Corona Rakshak Policy (Other Benefits)
Hassle-Free Claim Settlement
Road Ambulance Cover
Mild Symptoms Cover
Discounts on Plan
No Pre Policy Checkup
Corona Rakshak Policy (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 2.5 L
Waiting Period - 15 Days
Health Plan
Reliance Specially Abled Health Insurance
A plan designed to meet the needs of a specially-abled community. It covers the cost of hospitalization and many modern treatments.
Unique Features
9100 + Network Hospitals
Pre Existing Disease Covered
Specified Disease Cover
Specially Abled Health Insurance (Pros)
Affordable Plan
Modern Treatment Cover
Flexible Policy
Cataract Covered
Emergency Ground Ambulance
Specially Abled Health Insurance (Cons)
No War Injury Cover
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Specially Abled Health Insurance (Other Benefits)
AYUSH Cover
Road Ambulance Cover
Pre- Post Hospitalization
Tax Benefits
In- Patient Hospitalization
Specially Abled Health Insurance (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 4 L to 5 L
Waiting Period - 30 Days
Reliance HealthWise Policy: FAQ's
1. What are the various sum insured options available under the HealthWise Insurance Plan offered by Reliance Health Insurance?
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.
2. What are the eligibility criteria under the Reliance HealthWise Insurance Policy?
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.
3. Is maternity cover available under the HealthWise Insurance Policy?
No, under the HealthWise Insurance Policy maternity cover is not available.
4. Are tax benefits available with the Reliance HealthWise Insurance Policy?
Yes, all premiums paid towards the Reliance HealthWise Insurance Policy are eligible for tax benefits as per the Income Tax Act of 1961.
5. What are the features available under the HealthWise Insurance Policy?
There are multiple benefits and features mentioned in the policy schedule that have been mentioned in the table given above in the article.
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.
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