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Reliance Specially Abled Health Insurance Plan

The Reliance Specially Abled health insurance plan caters to specially ...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 Specially Abled Health Insurance Plan

A quick read on what this Reliance Health Insurance plan covers and why it might be a fit for you.

A cover for those who are one in a million.

The Reliance Specially Abled health insurance plan caters to specially-abled individuals who need medical and financial support in an emergency. As per the report published by the Office of Chief Commissioner for Persons with Disability, almost 2.21% of the overall population in India, i.e., approximately 2.68 crore individuals, are registered under the PWD category.

Based on The Rights of Persons with Disabilities Act of India, 2016, and The Mental Healthcare Act of India, 2017, the Reliance Specially Abled health policy caters to the most vulnerable sections of our society. Reliance General Insurance Company Limited has curated this health insurance for Persons with Disability, those who are inflicted with HIV/AIDS, mental illness, etc.

This page has it all, from the eligibility criteria, specifications, and exclusions of the plan. Read further to know in detail.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child: 1 - 17 years, Adult: 18 - 65 years
Plan type
Individual
Sum insured options
₹4 L, ₹5 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*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

  • In-patient treatment
  • Pre and post-hospitalisation
  • Cataract covered
  • Daycare procedure

Cons

  • Investigation and evaluation
  • Change of gender treatments
  • Sterility/infertility treatment
  • Cosmetic/beauty/plastic surgery

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Investigation & Evaluation
  • Change of gender treatments
  • Sterility/infertility treatment
  • Rest cure, rehabilitation, respite care, etc.
  • Obesity/weight control treatment
  • Cosmetic/beauty/plastic surgery
  • Adventurous sports/hazardous activities
  • Refractive error
  • Treatment/consequences due to alcoholism/drug abuse
  • Dietary supplements
  • Excluded providers
  • Breach of law
  • Specified conditions: 2 years for specific diseases. A continuous coverage of 24 months is mandatory after the date of inception of the first policy.
  • Pre-existing conditions (PEDs): 24 months for pre-existing disability / 48 months for all PEDs other than HIV/AIDS and Disability.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Other features & benefits

Specifications of Reliance Specially Abled Health Policy

The Reliance Specially Abled health insurance covers several conditions for those who are physically unprivileged. Here is a list of what's covered within the policy:

  • In-patient treatment

    Room rent/nursing/boarding: 1% of the SI. ICU/ICCU: 2% of the SI is covered.

  • Pre-hospitalization

    Covered for 30 days before hospitalization, available for AYUSH, modern, and in-patient treatments. Applicable only through reimbursement claims.

  • Post-hospitalization

    Covered for 60 days after getting discharged from hospitalization, available for AYUSH Treatment, modern, and in-patient treatments. Applicable only through reimbursement claims.

  • Cataract

    Covered on a sub-limit basis as per the opted sum insured, up to a maximum of INR 40,000 per eye in a policy year.

  • Daycare procedures

    All daycare procedures are covered as per the terms and conditions mentioned in the policy documents.

  • AYUSH treatment

    The treatment expenses for in-patient treatment of alternative systems such as Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH) are covered up to 50% of the sum insured.

  • Modern treatment

    Based on in-patient treatments and daycare procedures, modern treatments are covered up to 50% of the sum insured.

  • Ambulance

    Ground ambulance facility is available up to a maximum of INR 2,000 per hospitalization event.

Summing It Up

Amid all the rush in the health insurance sector, only a few health plans like Reliance Specially Abled insurance are designed to cater to the healthcare needs of physically challenged individuals. These special people deserve all the care and support, which Reliance's trusted name aims to provide to them via this much-needed Specially Abled health plan.

So, if you are someone who has come for the welfare of your specially-abled dear ones, we are here to help you through this. You can reach out to our experts at 1800 4200 269 by giving us your reason.

Specially Abled Health Insurance Plan: FAQs

The 5 most-asked questions about Reliance Specially Abled Health Insurance Plan, answered.

Any individual who is legally certified as specially abled can buy the policy.
Yes, the copayment and sub-limits are applicable based on the opted sum insured.
The available sum insured options under this policy are INR 4 Lakhs and 5 Lakhs.
You can buy this specially abled policy from our official website PolicyX.com or visit the official website of Reliance General Insurance.
You can claim your policy through the official website of Reliance General Insurance. You can also reach out to us at PolicyX.com for further help.

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