Reliance Health Personal Accident
  • Death Cover
  • Upto 20L SI
  • Disability Cover
premium

Network hospitals

9100

premium

Incurred claim ratio

86.31%

premium

Sum insured

Up to 5 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.5

premium

Pan India Presence

127

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

9100

premium

Incurred claim ratio

86.31%

premium

Sum insured

Up to 5 CR

premium

No. of Plans

11

premium

Solvency Ratio

1.5

premium

Pan India Presence

127

Reliance Personal Accident Policy

Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child education benefit and providing family security. Accidents are unfortunate incidents creating financial and emotional stress on the insured individual along with their family. There are multiple advantages of investing in a good personal accident policy. Reliance Personal Accident Policy offers multiple risk factors such as:

  • 100% compensation on death
  • 100% compensation on loss of two limbs/two eyes or one limb and one eye
  • 50% compensation on loss of one limb or one eye (PTD)
  • 100% compensation on Permanent Total Disablement (PTD)
  • 1% to 75% compensation on Permanent Partial Disablement (PPD)

Reliance General Insurance Personal Accident Policy is an individual plan that offers a sum insured ranging between 5 to 20 Lakhs. A 5% increase in Sum Insured with each claim-free year is also available to customers with Reliance general insurance personal accident policy. The plan also provides individuals with worldwide coverage.

Reliance Health Personal Accident At a Glance

Plan Type Individual
Sum Insured 5 - 20 Lakhs
Entry Age Minimum: 18 Years
Dependent Children: 5 to 25 Years
Cumulative Bonus Available, 5% with every claim-free year
Accidental Death & Permanent Disability Covered
Global Cover Available
Network Hospitals 8600+

Read more specifications in the brochure.

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Benefits of Reliance Health Personal Accident

Reliance Health Personal Accident Plan offers a multitude of benefits to its customers that are mentioned below:

  • Avail No Claim Bonus
    The reliance personal accident policy offers its customers a 5% no-claim bonus for each completed claim-free year of insurance, subject to a maximum of 50% when a policyholder faces death or permanent total disablement.
  • Provide financial Security to Children
    Reliance Personal Accident Policy understands the importance of protecting your family under all circumstances. Hence, this policy pays for the education fund of two dependent children in case of the death of the policyholder.
  • Reimbursement of Medical Expenses
    Individuals can avail the benefit of reimbursement of actual medical expenses incurred following an accident up to 40% of the compensation paid or 20% of the CSI, under the policy whichever is lower. This benefit is available on payment of an extra premium of 20%.
  • Protection Against PTD (Permanent Total Disability)
    Reliance Personal Accident Policy offers compensation of 100% against permanent total disability to the insured individual. PTD includes the loss of both eyes or physical separation of limbs which may lead to inability to work for the insured individual and may cause financial distress.
  • Family Protection
    In addition to insuring their own life, policyholders can avail of a family cover as well with the benefits mentioned below:
    • Spouse, if earning - Equal to Capital Sum Insured
    • Spouse, if not earning - 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

What Is Covered Under Reliance Personal?

The plan provides coverage to its customers for the following specifications mentioned below:

Coverage Terms 5 to 20 Lakhs
Accidental Death 100% of SI
Permanent Total Disability 50 % payment of the sum insured in the event of loss of one limb or one eye
100% of SI in the event of loss of two limbs/two eyes or one limb and one eye
100% of SI in case of Permanent Disability
Value-Added Benefits Carriage of mortal remains - A lump sum of 2% of the capital sum insured or Rs.2500 whichever is less

What is Not Covered Under Reliance Personal Accident?

The plan has certain exclusions that are mentioned below in further detail:

  • 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

Claim Process of Reliance Personal Accident Policy

In case of Death

The following details are to be provided to the Company at the time of intimation of the Claim:

  • Policy Number
  • Name of the policyholder
  • Name of the Insured Person in whose relation 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 as requested by the Company

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Explore other Reliance Health Plans

Reliance Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive Plan

Reliance Health Gain Insurance Policy

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)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive Plan

Reliance Health Infinity Insurance

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

  • No Sub-limits on benefits
  • Robotic surgery for quick recover
  • 90 days free cancellation

Health Infinity Insurance (Pros)

  • 10% Online discount
  • 5% Early Bird Discount
  • 10% Stay Healthy Discount
  • Credit score discount
  • Concurrent Disclosure Discount

Health Infinity Insurance (Cons)

  • No Obesity Treatment Cover
  • Infertility Treatment Unavailable
  • No Alternative treatments
  • Out-patient not covered
  • Cosmetic Surgery unavailable

Health Infinity Insurance (Other Benefits)

  • 5% Girl Child Discount
  • Restore Benefit
  • 2.5% Vaccination Discount
  • 5% BMI Discount
  • 2.5 % Renewal Discount

Health Infinity Insurance (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 5 Crore
  • Waiting Period - 30 Days

Affordable Plan

Reliance HealthWise Insurance Policy

An affordable and comprehensive policy that covers medical expenses & offers flexibility by providing 3 variants- Gold, Silver & Standard.

Unique Features

  • 7% discount for girl child
  • No sub limit on room rent
  • Nursing allowance available

HealthWise Insurance Policy (Pros)

  • Stem Cell Treatment Cover
  • Domiciliary Hospitalisation
  • Health Check-up Cover
  • Critical Illness Covered
  • Donor Expenses Covered

HealthWise Insurance Policy (Cons)

  • No Breach of law Cover
  • No Dietary Supplements Cover
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

HealthWise Insurance Policy (Other Benefits)

  • Recovery Benefit
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • Critical Illness Cover
  • 5 % Renewal Discount

HealthWise Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Critical Illness Plan

Reliance Critical Illness Insurance Policy

Reliance critical illness health insurance is specifically designed to provide protection to an individual against 10 life-threatening diseases.

Unique Features

  • No pre-medical required
  • Lump-sum Payment
  • Coverage up to 10 Lakhs

Critical Illness Policy (Pros)

  • Open Heart Replacement
  • 10 Critical Illnesses Covered
  • Tax Benefit
  • Permanent paralysis Covered
  • Kidney failure Covered

Critical Illness Policy (Cons)

  • No PED Cover
  • No Alcoholism Cover
  • No Gender Change Treatment
  • HIV/AIDS not covered
  • No Suicidal Cover

Critical Illness Policy (Other Benefits)

  • Flexible Policy Period
  • Organ Transplant Cover
  • Total Blindness Covered
  • Third Degree Burns Cover
  • Cancer Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 3 Months

Hospital Cash Benefits

Reliance HospiCare Insurance

A hospital cash benefit plan provides a lump sum payout on listed surgeries and daycare procedures occurring due to illness and injuries.

Unique Features

  • 150+ surgeries covered
  • Health check-ups covered
  • Dengue hospitalization covered

HospiCare Insurance (Pros)

  • Health Check-Up
  • ICU Charges Covered
  • Ambulance Cover
  • Day Care Expenses Covered
  • Dengue Cover

HospiCare Insurance (Cons)

  • No Global Cover
  • Alcoholism Cover Unavailable
  • Hazardous Activity not covered
  • No Suicide Cover
  • Cosmetic Surgery unavailable

HospiCare Insurance (Other Benefits)

  • 10% Online Discount
  • 10% Policy Tenure Discount
  • 100% SI on Surgical Procedure
  • 10% Existing Customers Discount
  • SI Enhancement on Renewal

HospiCare Insurance (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 90 Days

Super Top-up Plan

Reliance Super-Top up Insurance

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

  • Maternity expenses
  • Air Ambulance cover
  • Worldwide Emergency Cover

Super-Top up Insurance (Pros)

  • Road Ambulance Cover
  • 50% Cumulative Bonus
  • Waiver of Deductible
  • Day Care Procedures Covered
  • Health Check-Up Cover

Super-Top up Insurance (Cons)

  • No Suicide Cover
  • Dietary Supplements Not Covered
  • Refractive Error not covered
  • Weight Control not covered
  • Cosmetic Surgery unavailable

Super-Top up Insurance (Other Benefits)

  • Free Health Check Up
  • Domiciliary Hospitalization
  • Modern Treatments Cover
  • AYUSH treatment Cover
  • Organ Donor Cover

Super-Top up Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1.30 Cr
  • Waiting Period - 30 Days

Standard Plan

Reliance Arogya Sanjeevani

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

  • Special treatments Cover
  • Daycare treatments covered
  • Dental Treatment

Arogya Sanjeevani (Pros)

  • Ayush Benefit
  • Cataract Treatment
  • Flexible Policy
  • Cumulative Bonus
  • Pre & Post Hospitalisation

Arogya Sanjeevani (Cons)

  • 5% Co-payment
  • No Unproven Treatments
  • No Dental Treatment
  • No Domiciliary Hospitalization
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

  • 5% Customer Discount
  • 3% Renewal Benefit
  • Inpatient Care Cover
  • 10% Family Discount
  • Special treatments Cover

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -50 Thousand to 10 L
  • Waiting Period - 30 Days

Personal Accident Plan

Reliance Saral Suraksha Bima

Saral Suraksha Bima protects the insured for an accident and its aftermath like death or permanent disability.

Unique Features

  • SI of 1 crore
  • Discount on add-on
  • Lifelong renewal

Saral Suraksha Bima (Pros)

  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Death Benefit
  • Education Grant To Child
  • Spouse Cover

Saral Suraksha Bima (Cons)

  • No Global Coverage
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • No War Injury Cover
  • Cosmetic Surgery unavailable

Saral Suraksha Bima (Other Benefits)

  • Lifelong Renewal
  • 100% Benefit on SI
  • Family Covered
  • Lifetime Renewal
  • No Waiting Period

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Group Health Plan

Reliance Group Mediclaim Policy

A comprehensive plan that covers a group of people working in an organization, & looks after unexpected medical expenses of the group members.

Unique Features

  • Bariatric surgery covered
  • Pre & post hospitalization
  • Maternity Benefit available

Group Mediclaim Policy (Pros)

  • Inpatient care
  • Family Cover
  • Cashless Treatment
  • 9,100+ Network Hospitals
  • Tax benefit

Group Mediclaim Policy (Cons)

  • No Domiciliary hospitalization
  • Lasik Surgery Unavailable
  • Septoplasty not covered
  • Ozone Therapy not covered
  • Robotic treatment unavailable

Group Mediclaim Policy (Other Benefits)

  • 7 to 1000 Workers Covered
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Room rent charges covered

Group Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50,000 & 1,00,000
  • Waiting Period - NA

Corona Plan

Reliance Corona Kavach Policy

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 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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Reliance Network Hospital

Reliance Personal Accident Policy : FAQ

1. What are the risk classes mentioned under the Reliance Personal Accident Policy?

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.

2. What are the eligibility criteria for Reliance personal accident policy?

The minimum age of entry is 18 years for individuals and spouses. However, for dependent children, the plan eligibility is 5 - 25 years.

3. Is Reliance Personal Accident Policy eligible for tax benefits?

Yes, Reliance Personal Accident Policy is eligible for tax benefits as per the Income Tax Laws of India.

4. What are the exclusions of the Reliance Personal Accident Policy?

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

5. Does Reliance Personal Accident Policy have worldwide coverage?

Yes, worldwide coverage is available to insured individuals under Reliance personal accident policy.

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Reliance Health Insurance Plan Review

Read what customers have to say about Reliance Health Insurance.

Customer Review Image

Neha Gupta

Guwahati

March 18, 2024

I purchased Reliance Life Insurance from PolicyX one year ago, and my overall experience with them is quite satisfactory.

Customer Review Image

Vidya Bhan

Bhopal

June 13, 2022

Very nice company with a range of health products. I have bought one plan for myself and my husband, and one for my aged in-laws. Happy with both the plans

Customer Review Image

Satendar Singh

Kochi

May 25, 2022

Reliance General Health Insurance comes with several health plans that lets you choose the ideal one for your family. I recently bought a Reliance Health plan for my whole family, and we are ha...

Customer Review Image

Tulika Sharma

Mumbai

October 12, 2021

got hospitalized receently for a surgery...the company responded the minute my claims were raised. Good support! Thanks!

Customer Review Image

Mayank Tyagi

Indore

October 11, 2021

I m impressed with the service provided by Executives of Reliance Health. They assisted me very patiently

Customer Review Image

Kashi Pradhan

Allahabad

September 1, 2021

Bought the health plan for my parents. now I m assured that their health is not compromised due to money :)

Customer Review Image

Puneet sharma

Chandigarh

August 18, 2021

Reliance company ka health insurance bahut acha hai, aur premiums bhi bht affordable hai, aur bht jaldi claim ko settle karti hai, muje inki service bahut pasand aayi.

Customer Review Image

Roopal Ganguly

Jaipur

May 10, 2021

I bought this policy in times of pandemic and it is a must-have policy. Services are really very good and I am satisfied with this company. The claim ratio is also good.

View All Reliance Health Insurance Reviews

Simran Kaur Vij

Written By: Simran Kaur Vij

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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