Reliance General Insurance Company Limited

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Reliance General Insurance Company Limited came into being in 2000, and in the past 2 decades, it has become one of the most prominent private insurer companies in the country. There are over 139 offices spread all over the country, which has helped the company carve a place for itself across India’s length and breadth. With its innovative insurance plans and products, the company caters to the different insurance needs of different customers, in the best possible way. 

Reliance Insurance offers a lot of choices when it comes to selecting a plan that suits the particular insurance needs of you, your family, and beyond. The company offers: 

  1. Reliance Car Insurance
  2. Reliance Two-wheeler Insurance 
  3. Reliance Health Insurance
  4. Reliance Travel Insurance
  5. Reliance Home Insurance
  6. Reliance Office Insurance
  7. Reliance Package Insurance
  8. Reliance Marine Insurance
  9. Reliance Group Mediclaim Insurance
  10. Reliance Burglary and Housebreaking Insurance
  11. Reliance Shopkeeper Package Insurance
  12. Reliance Fire Insurance

Reliance Car Insurance Plans

Your car insurance covers your car against unpredictable accidental damages. The financial burden that you have to bear because of the damage to your car and the damages or injury that the accident caused to a third party is covered. However, the kind of coverage you will receive depends on the kind of insurance plan that you opt for. Reliance Car Insurance offers the following: 

  • Third-Party Liability Car Insurance Plans
    The third-party insurance is mandated by the government under the Motor Vehicles Act, 1988. Third-party liabilities are the damages or injury that are caused to a third-party person or his property because of your car. Your Reliance  third-party liability insurance would cover all these damages. Third-party insurance only covers the third-party liabilities, the damages caused to your own car will not be covered under this policy.
  • Comprehensive Car Insurance Policy or Package Policy
    As the name suggests, a comprehensive policy offers broad coverage as it is a combination of third-party insurance and own-damage, and thus it covers the repair costs of your vehicle along with the damages and injury caused to the third-party.
  • Standalone Own-Damage Car Insurance
    With third-party insurance already at place to buy OD  you won’t be able to protect your own car from damages. Thus, if you want to protect your car from own-damages as well, you can buy the standalone OD cover. You will save yourself from a financial loss that you may have to bear in case of an accident.
  • Personal Accident Cover
    It is mandatory to have a personal accident cover for the licensed, owner-driver.  In case of accidental death/bodily injuries, the PA cover compensates , up to INR 15 lakhs.
  • Long-Term Car Insurance Policy
    You can cover your car for up to 3 years together and save the inconvenience of yearly renewals. This policy covers you for: Theft. Fire, Accidents, Earthquake, Cyclone, Self-ignition, Terrorism, Riot, Strikes, etc.
  • Option of Car Insurance Add-Ons
    1. NCB Retention Cover
      An NCB Retention Cover ensures your hard-earned NCB stays intact even if you make a claim.
    2. Nil Depreciation
      This add-on nullifies the losses that occur due to depreciation on the car parts.
    3. Consumables Cover
      If you buy this cover, you will be covered for expenses on nuts and bolts, engine oil, lubricants etc.
    4. Engine Protector Cover
      This cover offers coverage for repairs of the engine,while fixing the indirect damage done by water ingression or leakage of lubricating oil.
    5. Key Protect Cover
      If car keys are misplaced or they are stolen, your car insurance policy would cover the cost of the lock & key replacement.
    6. Daily Allowance Benefit
      If your car is under repair for over 3 days in a network garage, this add-on cover will cover your daily travel allowance.
    7. EMI Protection
      Up to 3 EMI’s of your insured car will be covered by the company when in the garage for over 30 days for repair.

Reliance Two-Wheeler Insurance Plans

As compared to a car, riding a two-wheeler is more risky, making it all the more important to get your beloved bike covered with the right kind of insurance policy.

  1. Third-Party Liability
    Under the Motor Vehicles Act, 1988 it is mandatory for every motorised two-wheeler to have third-party liability insurance. The premium of this elementary policy is the lowest, but keep in mind that this policy would only cover the damage or injury that is caused to another person or property because of your bike. Under this policy your own-damages are not covered.
  2. Comprehensive Two-Wheeler Insurance Policy or Package Policy
    Get the dual coverage benefits with a comprehensive policy as it would cover third-party liability and own-damage. You would have to spend a little more as compared to the third-party only insurance, but with the package policy you can increase the cover manyfolds.
  3. Standalone Own-Damage(OD) Bike Insurance
    If you already have third-party insurance for your bike but want to get your own-damages covered as well, you can buy the standalone OD cover. The OD cover will save you from the damage that is suffered by your vehicle.
  4. Personal Accident Cover
    The personal accident cover is for the licensed, owner-rider, which offers compensation up to INR 15 lakhs.
  5. Long-Term Two-Wheeler Insurance Policy
    Save yourself from the trouble of getting annual renewals, get a long-term policy and get your two-wheeler insured for 2/ 3/ 5 years.
  6. Option of Add-Ons in Car Insurance 
    • NCB Retention Cover
      Even when you make a claim, you can still retain the NCB
    • Nil Depreciation
      With this rider you can do away with the depreciation charges that you otherwise need to pay for
    • Daily Allowance Benefit
      If your two-wheeler is under repair for a specific number of days, you will be paid a daily allowance to cover your daily transport
    • EMI Protection
      When your vehicle is in the garage its EMIs that you are paying will be covered for a limited period of time

Reliance Health Insurance Plans

These days, health insurance is no less than a basic necessity. The medical expenses are at an all-time high and the COVID-19 scare has forced everyone to invest in a good health insurance policy. Here’s a list of the 8 health insurance plans offered by Reliance Health Insurance:

Type of Insurance 

Main Features of the Insurance Plan

Reliance Health Infinity Health Insurance (Reliance Health Infinity Policy)
  • Wide range of sum insured INR 3 lakhs to INR 1 crore
  • Entry Age
    • Children 91 days - 25 years
    • Adults 18 years to 65 years
  • Family Floater Combination
    • Maximum 8 members- 2 adults and up to 6 children
  • Policy Period 1/ 2/ 3 years
  • Option to include add-ons for additional coverage
  • No sub-limits for hospital room rent
  • Cover for robotic surgeries

Reliance HealthWise Health Insurance Policy

  • 3 variants available
    • Gold
    • Silver
    • Standard


  • An affordable health insurance policy that offers comprehensive coverage
  • Covers critical illnesses
  • Special discounts for girl child-4% discount(for one daughter) and 7% discount(for two daughters)
  • No sub-limits on room rent
  • Cumulative bonus of 5% with every claim-free year,maximum up to 20%
  • Pre and post hospitalisation expenses are covered
  • Cost of health-up and donor expenses are covered

Reliance HealthGain Policy 

Available as 2 variants 

  • Plan A - Sum Insured - INR 3 lakhs, INR 6 lakhs, INR 9 lakhs
  • Plan B - Sum Insured -  INR 12 lakhs, INR 15 lakhs, INR 18 lakhs


  • An affordable health insurance plan that offers optimum coverage
  • Available as Individual/ Family Floater Plan
  • Multiple discounts offered
  • Save up to INR 1 lakh under Section 80D of the Income Tax Act
  • Coverage for pre-hospitalization and post-hospitalization
  • Coverage for donor expenses and domestic road ambulance
Reliance Personal Accident
  • Covers you against the financial consequences of any unpredictable accidents
  • Sum Insured from INR 5 lakhs to INR 20 lakhs
  • Covers:
    • Accidental Death
    • Permanent Total/Partial Disability
  • Cumulative bonus of 5% with every claim-free year
  • Offers worldwide coverage
Reliance Health Insurance on EMI (HealthGain EMI)
  • Health insurance available in easy instalments with EMI starting from INR 381
  • Wide range of sum insured INR 3 lakhs to INR 1 crore
  • Entry Age
    • Children 91 days - 25 years
    • Adults 18 years to 65 years
  • Available as Individual/ Family Floater Plan
  • Voluntary Co-Payment
  • Policy Period 1/ 2/ 3 years
Reliance Critical Illness Policy
  • Specifically designed plan against 10 critical illnesses
  • Lump-sum payout that helps you plan the required treatment
  • Sum Insured INR 5 lakhs/ INR 7 lakhs/ INR 10 lakhs
  • Policy Period 1 year/ 3 years
  • No pre-policy medical screening required up to 45 years
  • Eligibility Up to 65 years of age
Aarogya Sanjeevani policy
  • Standard health insurance plan that is affordable and  easy-to-understand
  • Sum Insured from INR 1 lakh to INR 5 lakhs
  • Available as Individual/ Family Floater Plan
  • Covers AYUSH treatment
  • Offers No Claim Bonus of 5% for every claim-free year
  • Entry Age
    • Children 91 days - 25 years
    • Adults 18 years to 65 years
  • Policy period 1 year
Corona Kavach Policy
  • Comprehensive health insurance plan to cover COVID-19 treatment
  • Sum Insured from INR 50,000 to INR 5 lakhs
  • Policy Tenure 3 ½ months, 6 ½ months or 9 ½ months
  • Available as Individual/ Family Floater Plan
  • Covers AYUSH treatment
  • The policy has a waiting period of 15 days
Corona Rakshak Policy
  • The policy offers 100% lump sum benefit to the policyholder when diagnosed with COVID-19
  • Sum Insured from INR 50,000 to INR 2.5 lakhs
  • Policy period - 3 ½ months, 6 ½ months or 9 ½ months
  • Entry Age
    • Adults 18 years to 65 years
  • The policy has a waiting period of 15 days
Group Mediclaim Insurance Policy
  • Comprehensive health cover for your employees/ members
  • Covers Pre-existing diseases
  • Can cover employees from 18-65 years
  • Maternity benefit is optional
  • Covers 30 and 60 days of pre and post hospitalisation respectively
  • Covers road ambulance charges

Reliance Travel Insurance Plans

Reliance brings you specific travel plans that suit your requirements as well as your pocket. Let us take a look:

Type of Insurance 

Main Features of the Insurance Plan

Reliance Schengen Travel Insurance

2 variants

  • Basic - Sum Insured- USD 30,000
  • Standard - Sum Insured - USD 50,000
  • Mandatory travel insurance policy to get a Schengen Visa
  • Covers Schengen countries such as - Italy, Spain, Germany, Switzerland, Denmark, France, Portugal, etc.
  • Covers accidental bodily injuries during the trip
  • Cashless hospitalisation worldwide
  • No medical check-up till the age of 90 years


Reliance Student Travel Insurance

5 variants

  • Basic
  • Standard - Sum Insured- USD 50,000
  • Silver - Sum Insured - USD 1 00,000
  • Gold - Sum Insured - USD 250,000
  • Platinum - Sum Insured - USD 5 00,000
  • A travel insurance plan for students studying abroad


  • Covers medical expenses related to accidental bodily injury during the trip
  • Loss of passport
  • Total loss of checked-in baggage
  • 2 way compassionate visit
  • Study interruption

Reliance Asia Travel Insurance

2 variants


  • Silver - Sum Insured- USD 30,000
  • Standard - Sum Insured - USD 25,000
  • For travellers wandering in and around Asia like China, Thailand, Dubai, Singapore, Malaysia and Mauritius
  • Loss of checked-in baggage
  • Financial Emergency Assistance
  • Loss of passport
  • Delay of checked-in baggage

Reliance Senior Citizen Travel Insurance

4 variants


  • Standard - Sum Insured- USD 50,000
  • Silver - Sum Insured - USD 1 00,000
  • Gold - Sum Insured - USD 250,000
  • Platinum - Sum Insured -USD 500,000
  • Enjoy travelling on the golden years of your life, between 61 to 70 years or 71 to 90 years
  • No pre-policy check-up required
  • Covers your pre-existing illnesses
  • Coverage for Medical expenses, accidental bodily injuries, loss of passport, total loss of checked-in baggage, financial emergency assistance, etc


Reliance Annual Multi-Trip Travel Insurance

3 variants


  • Elite - Sum Insured- USD 5 00,000
  • Plus - Sum Insured - USD 2 50,000
  • Standard - Sum Insured - USD 1 00,000


  • A must-have plan for every travel enthusiast
  • Covers multiple trips anywhere in the world, starting from INR 5,780
  • Covers three single trips anywhere in the world, starting from INR 9,240
  • Plan valid for 365 days
  • Loss of checked-in baggage
  • Loss of passport
  • Delay of checked-in baggage
    • Daily allowance in case of hospitalisation

Reliance International Travel Insurance

4 variants:

  • Standard - Sum Insured- USD 50,000
  • Silver - Sum Insured - USD 1 00,000
  • Gold - Sum Insured - USD 250,000
  • Platinum - Sum Insured -USD 500,000
  • This is an instant policy
  • Requires no medical check-up
  • Avail cashless hospitalisation worldwide
  • Specially designed plans for Schenga, Asia, Canada, USA and other countries
  • Covers loss of passport, loss and delay of checked-baggage
  • Option to cover family trips available
  • Depending on the plan opted you can avail cover against
    • Missed connections
    • Trip Cancellation
    • Trip delays

Reliance General Insurance Company Premium Payment Process 

  1. Online
    Paying for an insurance policy is a matter of a few minutes. Visit the company website and enter the policy details. You can make the required payment through credit/debit card, net banking or UPI wallet.
  2. Offline
    If for some reasons, you do not wish to pay the premium online, you can do it by visiting a local branch and make the payment via your credit/debit card, cheque or demand draft. To locate a nearby company office, go to the official website and go to Branches, or just click

Reliance General Insurance Company Policy Renewal Process

Getting your insurance policy renewed on time not only keeps your insurance policy running, but you also save on the hard-earned policy discounts and benefits. To renew your policy, there are two ways that can be followed:   

  1. Car and Two-Wheeler Insurance Plans
  2. Health Insurance Plans
    • Online Method
      You can renew your health insurance policy with your mobile number or with your policy number. You can make the required payment through credit/debit card, net banking or UPI wallet.
    • Offline Method
      Your policy can also be renewed offline. You can visit the nearest Reliance Insurance branch office and make the payment. If required, you can take the help of an executive to complete the paperwork. The payment can be made through cheque/ demand draft/ credit or debit card. You can also make the payment through an authorised company agent.

Reliance General Insurance Company - Renewal of Expired Policy

Renewing your insurance policy is as important as buying one. If in case your policy has expired, read on,

  • Car and Two-wheeler Insurance
    To renew your policy instantly, you can visit the company website or click this link
    Or you can use the mobile application Reliance Self-i and self-survey your vehicle. Upload photographs of your vehicle, after which you will receive an Inspection ID. After the inspection and recommendation by the surveyor, your request will be approved. After you pay the premium and your policy would be renewed.
  • Health Insurance
    Once your health insurance policy hits its expiry date, it enters a grace period which is a 30-day period. During this period, you must renew the policy else it would be terminated and you would have to invest in a new one. 
    If due to certain compulsions you were unable to renew your policy, and it has now expired, you can get in touch with the customer care or your advisor for the renewal.

Reliance General Insurance Company Claim Process 

  1. Car and Two-wheeler Insurance
    You must register a motor insurance claim as quickly as possible, call 022-48903009 (paid number). Or you can use the mobile application Reliance Self-i and intimate the claim immediately. You can also have a live video chat with company claim experts for their guidance. There are two ways in which you can proceed:
    • Cashless Claims
      When you take your vehicle to a network garage, the company will do a survey of your vehicle. Once approved, the claims will be settled with the garage directly. Click to find an authorised garage near you.
    • Reimbursement Claim 
      If you could not take your car to an empanelled garage, you can still file a request to settle the claim through a reimbursement. You would pay for the repairs yourself and then you can then file a claim, which when approved, will be compensated for.
  2. Health Insurance
    To make a health insurance claim, there are some important yet simple procedures that are to be followed. The first thing to be done is informing the company about the same, whether it is a planned or emergency hospitalisation. In case of planned hospitalisation, notify the company at least 48 hours prior to admission in the hospital. In case of emergency hospitalisation, remember to inform the company within the first 24 hours of admission.
    • Cashless Claim
      When you get admitted to a network hospital, the biggest benefit is cashless treatment. At the time of admission, you need to produce your Health Card and  submit the claim form along with relevant medical documents. After approval, your treatment will begin. The medical bill will be settled by the company, however,
      you would have to pay for the uncovered expenses on your own. 
      To find a network hospital near you click
    • Reimbursement Claim 
      At a non-network hospital, you would not be able to avail the cashless treatment facility. However, if the hospital fulfils the company regulations, you can get the treatment expenses reimbursed. Download the claim form, fill it and arrange all the treatment-related documents. The documents must then be submitted at a Reliance Insurance branch for the processing. Once the verification of documents is completed, the reimbursement amount will be transferred to your account.

Reliance General Insurance Company Company Profile

A leading insurance firm, Reliance General Insurance is one of the most trusted insurance companies in India. The customer-centric approach, which is visible through the incomparable customer service, helps the policyholder not just put money in the company but also their trust. The company also has a long list of awards, a few of them being:

  • ‘’ET Best Brands’’ award at ET Edge Award, 2019
  • ‘’Best Emerging Insurance Company’’ by ET Now BFSI Awards
  • The company was felicitated as ‘’the Best of the Best’’ by Kyoorius Creative Awards 2018

Reliance General Insurance Company Limited-Customer Care Details

Website Address 
Toll-Free Number022 48903009
WhatsApp Number7400422200
Phone Number91 22 48903009
Company Address Reliance Centre, South Wing, 4th Floor, Off Western Express Highway, Santacruz (East), Mumbai – 400055