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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 Health Personal Accident
Reliance Health Personal Accident Policy covers individuals against ac ...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 · 2,702 reviews
🏥 9,100+ hospitals
📊 2.35 solvency ratio
✅ 87.50% claim settlement
About Reliance Health Personal Accident
A quick read on what this Reliance Health Insurance plan covers and why it might be a fit for you.
Reliance Health Personal Accident Policy covers individuals against accidental death and disability, along with multiple other benefits like child education and family security. Accidents are unfortunate incidents that create financial and emotional stress for the insured individual and their family. Investing in a personal accident policy offers multiple advantages. Reliance Personal Accident Policy offers compensation for various risk factors, including:
- 100% compensation for accidental death.
- 100% compensation for Permanent Total Disablement (PTD), including loss of two limbs/two eyes or one limb and one eye.
- 50% compensation for Permanent Total Disablement (PTD) due to loss of one limb or one eye.
- 1% to 75% compensation for Permanent Partial Disablement (PPD).
Reliance General Insurance Personal Accident Policy is an individual plan offering a sum insured ranging from 5 to 20 Lakhs. Customers can also avail a 5% increase in sum insured for each claim-free year. The plan also provides worldwide coverage.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Minimum: 18 Years, Dependent Children: 5 to 25 Years.
Plan type
Individual
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹20 L
Waiting period
NA
Renewability
Annual
Policy term
NA
*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
- Children Education Fund
- Accident Hospitalization Reimbursement
- Increase in CSI
Cons
- HIV/AIDS
- Breach of law
Benefits of Reliance Personal Accident Policy
Reliance Personal Accident Policy offers a multitude of benefits to its customers:
- No Claim Bonus
The policy offers a 5% No Claim Bonus for each claim-free year, up to a maximum of 50% of the sum insured, applicable in case of accidental death or permanent total disablement. - Financial Security for Children
The policy provides an education fund for up to two dependent children in case of the policyholder's accidental death. - Medical Expense Reimbursement
Reimbursement of actual medical expenses incurred due to an accident, up to 40% of the compensation paid or 20% of the Capital Sum Insured (CSI), whichever is lower. This benefit is available upon payment of an extra 20% premium. - Protection Against Permanent Total Disability (PTD)
The policy offers 100% compensation for Permanent Total Disability (PTD) to the insured individual. PTD includes loss of both eyes or physical separation of limbs, which may lead to inability to work and cause financial distress. - Family Cover
Policyholders can also opt for family cover, with benefits as follows:- Earning Spouse: Equal to Capital Sum Insured
- Non-Earning Spouse: 50% of Capital Sum Insured or INR 1 Lakh, whichever is lower
- Dependent Children: 25% of Capital Sum Insured or INR 50,000, whichever is lower
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Coverage Terms: 5 to 20 Lakhs
- Accidental Death: 100% of SI
- Permanent Total Disability: 50% of the sum insured for loss of one limb or one eye; 100% of the sum insured for loss of two limbs/two eyes or one limb and one eye; 100% of the sum insured for other permanent disability.
- Value-Added Benefits: Carriage of mortal remains - A lump sum of 2% of the Capital Sum Insured or Rs. 2,500, whichever is less.
Exclusions
- Suicide or attempted suicide, intentional self-injury
- Venereal diseases, mental illness, or psychiatric conditions
- War, acts of a foreign enemy, military or usurped acts
- Hospitalization not arising from an injury
- Breach of law by an insured person with criminal intent
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: Minimum: 18 Years
- Dependent Children: 5 to 25 Years
- Sum Insured: 5: 20 Lakhs
- Waiting period: Accidental death covered from day 1.
Other features & benefits
Claim Process for Reliance Personal Accident Policy
In Case of Accidental Death
The following details must be provided to the Company when intimating a claim:
- Policy Number
- Name of the policyholder
- Name of the insured person for whom the claim is being lodged
- Nature of accident/injury
- Name and address of the attending Medical Practitioner and Hospital
- Date of accident
- Any other information requested by the Company
Reliance Health Personal Accident Policy: FAQs
The 5 most-asked questions about Reliance Health Personal Accident, answered.
The plan has classified customers according to their profession in 3 risk categories namely Risk Class 1 - Person engaged in administrative, managerial, and similar functions like bankers, teachers, etc. Risk Class 2 - Builders, contractors, and engineers engaged in superintending functions only, paid drivers of light motor vehicles, cash-carrying employees, garage and motor mechanics, machine operators, and persons engaged in occupations of similar hazard. Risk Class 3 - Person engaged in hazardous occupations like working in underground mines, explosives, magazines, electrical installation with high tension supply and those engaged in occupations/activities of similar hazard.
The minimum age of entry is 18 years for individuals and spouses. However, for dependent children, the plan eligibility is 5 - 25 years.
Yes, Reliance Personal Accident Policy is eligible for tax benefits as per the Income Tax Laws of India.
The various exclusions of the plan are mentioned below Suicide or attempted suicide, intentional self-injury Venereal disease, mental illness or sickness, psychiatric condition War, an act of a foreign enemy, military or usurped acts Any hospitalization not arising out of an injury An insured person committing any breach of law with criminal intent
Yes, worldwide coverage is available to insured individuals under Reliance personal accident policy.
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