Reliance Health Insurance

Reliance General Insurance Co Ltd is a private insurance corporation owned entirely by Reliance Capital and part of the Reliance Anil Dhirubhai Ambani Group. The company was founded in 2000 and received a licence from the IRDAI to execute general insurance services in India the following year. Reliance General Insurance Company has 139 branches and over 28,900 intermediaries around the nation, and its workforce is dedicated to providing innovative solutions and unparalleled customer care. To meet the healthcare needs of various consumer groups, Reliance health insurance provides a wide range of medical insurance solutions such as individual policies, family floater policies, critical illness coverage policies, and group mediclaim medical insurance policies. This company's goal is to create affordable insurance policies accessible to everyone.

To achieve that goal, Reliance health insurance policies are inexpensive and convenient, and they have been built with the customers' requirements in mind, with the primary purpose of preserving the policyholders' values. These policies provide coverage for all common medical and surgical issues. This makes them an ideal option for anyone looking for a simple plan that's easy to understand.

This page will go over the Reliance health insurance policy details.

Reliance Health Insurance Key Highlights

Note - Network hospital count and claim settlement ratio mentioned above are till September 12, 2022. These numbers can change with time. 

Why Should You Buy a Reliance Health Insurance Policy?

Reliance General Insurance Company is a well-known brand in the health insurance market. It provides comprehensive medical insurance coverage for both individuals and families. Its low premium plans let you stay healthy without skimping your budget, while its hassle-free claim settlement benefits make every claim easy to handle. As a Reliance customer, you can be sure that your health is always insured because, with it, you get one policy for all your family members.

Here is a summary of the features offered by Reliance health insurance plans:

1. High sum insured ranging up to INR 1 crore.
2. Both individual and family floater coverage options are available.
3. Pre and post-hospitalisation coverage is provided.
4. A voluntary co-pay feature is available.
5. COVID coverage is available in every health insurance policy
6. Affordable premium rates

Multiple Reliance Health Insurance Plans to Choose from

Reliance Health Insurance Policy Details

Here is a list of the health insurance policies offered by Reliance General Insurance Company Limited:

1. Health Gain Insurance

This is a medical insurance policy that offers coverage in both individual and family floater plans. It provides a sum insured amount of INR 3 lakhs to 1 crore.

Coverage

• In-patient hospitalisation
• Pre-hospitalisation
• Post-hospitalisation
• Domiciliary hospitalisation
• Road ambulance expenses
• Advanced treatment
• Organ donor expenses cover
• Base insured sum reinstatement
• Extra sum insured
• Premium waiver
• Accidental death cover
• Base insured sum enhancement call option
• Cumulative bonus
• Wellness services
• Loyalty cover
• Policy service guarantee
• Claim service guarantee

2. Health Infinity Insurance

This health insurance offers comprehensive coverage for up to 8 members – 6 children and 2 adults. The sum insured ranges from INR 3 lakhs to 1 crore.

Basic Coverage

• In-patient hospitalisation
• Pre-hospitalisation (90 days)
• Post-hospitalisation (180 days)
• Domiciliary hospitalisation
• Emergency ambulance expenses
• Day care treatment
• Organ donor expenses cover
• AYUSH therapy cover
• Transportation benefit
• Sum insured restoration
• Special treatment

Optional Coverage

• MoreCover
• MoreTime

3. Super Top-up Insurance

This super top-up policy covers healthcare expenses after the policyholder has paid the deductible amount. It provides a sum insured amount from INR 5 lakhs and INR 1.30 crores. The policy is divided into two variants – Plan A and B. Plan A offers coverage tenure of 1 – 3 years with a yearly aggregate deductible, while Plan B provides coverage for 2 to 3 years with a long-term aggregate deductible.

Basic Coverage:

• In-patient hospitalisation
• Maternity cover
• AYUSH treatment
• Domiciliary hospitalisation
• Organ donor expenses
• Emergency air ambulance expenses
• Road ambulance cover
• Additional item cover
• Advanced treatment

Personal Accident Coverage:

• Accidental claim deductible waiver

Global Coverage:

• Emergency worldwide cover

4. Arogya Sanjeevani Policy

The Arogya Sanjeevani insurance covers all your basic in-patient hospitalisation requirements with a wide variety of sum-insured options ranging from INR 50,000 to INR 10 lakh.

Coverage

• In-patient hospitalisation
• HIFU and Uterine artery embolization
• Advanced treatment
  • Balloon sinuplasty
  • Oral chemotherapy
  • Deep brain stimulation
  • Intra vitreal injections
  • Immunotherapy
  • Stereotactic radio surgeries
  • Robotic surgeries
  • Prostrate vaporisation
  • Bronchical thermplasty
  • Stem cell therapy
  • IONM
• Day care treatment
• Cataract treatment
• Pre-hospitalisation
• Post-hospitalisation
• AYUSH benefit
• Emergency road ambulance
• Plastic surgery and dental treatment
• Cumulative bonus

5. Health Wise Insurance

This health insurance plan provides a comprehensive and affordable policy that offers basic healthcare and critical illness coverage. The policy is divided into three variants – Standard, Silver and Gold. The sum insured ranges from INR 1-5 lakh.

Coverage

• In-patient hospitalisation
• Domiciliary hospitalisation
• Day care treatment
• Pre-hospitalisation
• Post-hospitalisation
• Health check-up
• Pre-existing disease
• Critical illness cover
• Donor expense cover

Additional Coverage

• Accompanying person expenses
• National road ambulances service
• Nursing allowance
• Daily hospital allowances
• Recovery benefit

6. Hospi Care Insurance

This is a daily hospital cash plan that offers individual sum basis coverage. The sum insured ranges from INR 1-10 lakhs.

Coverage

• Daily hospitalisation cash
• Daily ICU hospitalisation cash
• Surgical procedure cash
• Other surgeries cash
• Day care treatment cash
• Malaria, Chikungunya, Dengue hospitalisation cash

7. Saral Suraksha Bima

This accidental health insurance offers payouts up to 100% of the insured sum. The policy features a lifelong renewal option with a policy tenure of 1 year.

Coverage

• Accidental death
• Permanent total disablement
• Permanent partial disablement

Add-on Coverage

• Temporary total disablement
• Accidental hospitalisation expenses
• Education grant

8. Personal Accident Insurance

This accidental insurance is offered on an individual coverage basis. The policy features worldwide coverage with a sum insured of INR 5-20 lakhs.

Coverage:

• Accidental death
• Permanent total disability
• Permanent partial disability
• Mortal remains carriage
• Medical expenses extension

9. Critical Illness Insurance

This is a critical illness coverage plan with a sum insured amount of INR 5 to 10 lakhs. Policy term options are 1 and 3 years. The coverage is only available on an individual basis and 10 major illnesses and their treatments are covered.  Pre-acceptance medical screening is mandatory only if the proposer is 45 years old or older. 

Coverage:

• Cancer
• Multiple sclerosis
• Aorta graft surgery
• Major organ transplant
• Third-degree burns
• Heart valve repair or replacement
• Coma quadriplegia
• End-stage renal disease which requires regular dialysis
• Complete blindness
• Specified severity coma

10. Corona Rakshak Insurance

This benefit-based health insurance plan covers COVID treatment from the day the insured is diagnosed. The sum insured ranges from INR 50,000 – 2.5 lakhs.  

Coverage:

• COVID hospitalisation for 72 hours or more (100% sum insured)

11. Corona Kavach Insurance

This indemnity-based health insurance plan offers COVID treatment coverage with a sum insured of INR 50,000 – 5 lakhs.

Coverage:

• COVID hospitalisation
• Pre-hospitalisation expenses cover (15 days)
• Post-hospitalisation expenses cover (30 days)
• Home care COVID treatment
• AYUSH treatment cover

Add-on Coverage

• Daily hospital cash cover

12. Group Mediclaim Insurance Policy

This policy provides coverage to a large group of individuals. The sum insured ranges from INR 50,000 – 1 lakhs.

Coverage

• In-patient hospitalisation
• Pre-hospitalisation (30 days)
• Post-hospitalisation (60 days)
• Day care treatment
• Domiciliary treatment
• AYUSH therapy cover
• Advanced treatment

So, these are the health insurance policies available at Reliance General Insurance Company Limited. Check, compare and choose the appropriate option for you.

Reliance Health Insurance Benefits

Health insurance coverage is becoming mandatory for everyone – especially at these times. Medical treatments are getting costlier day by day, and therefore, a comprehensive healthcare policy coverage with an affordable premium can be a lifesaver for both your family and yourself. 

Here are the benefits provided by Reliance health insurance plans:

1. Peace of Mind

Reliance health insurance offers peace of mind to policyholders by covering a wide range of medical treatment under its policies. These policies cover the medical expenses arising from illnesses, mishaps, major diseases and other unforeseen emergencies. Besides being cost-efficient, Reliance medical plans cover your hospital bills, doctor’s visits, ambulance rides, and even the treatment costs incurred in hospitals across the country.

2. Superior Hospital Network

Reliance health insurance is the preferred health insurance for millions of policyholders across India. With its health insurance plans, you can avail of cashless hospitalisation benefits at 8600+ network hospitals across India. The benefits of Reliance health insurance continue after you get admitted to any hospital. You can get both cashless and reimbursement claims. These not only provide enough options to the policyholder but also help them receive high-quality treatment at low or no out-of-pocket expenses. 

3. Free Annual Healthcare Check-ups

Reliance health insurance offers free annual healthcare check-ups for every claim-free year. Why is this important? Knowing what is happening in your body right now is important for a healthy lifestyle. So, health inspection is important to understand your condition and how it affects daily life choices like diet, exercise and stress levels. It can help you avoid diseases and conditions that may become severe if left untreated. 

4. Special Discounts

Reliance health insurance is a leading health insurance provider with a wide range of policies to meet the needs of different groups at affordable prices. These plans offer a wide range of benefits and services to both the insured and policyholders. One of their top selling points is the exclusive discounts on the premiums available for policyholders.

5. Group Coverage

Group Mediclaim Insurance Policy is a product of Reliance General Insurance Private. Group Mediclaim Insurance Policy offers comprehensive healthcare coverage for 7 to 10000 individuals. The sum insured ranges from INR 50,000 - 1 lakh. The company provides various features, as well as various types of coverages such as hospitalization, maternity care, pre-hospitalisation expenses, post-hospitalisation expenses and AYUSH treatment cover etc.

6. Tax Benefits

Section 80D of the Income Tax Act offers tax advantages to individuals who are actively paying their health insurance premiums. This section provides tax benefits up to INR 50,000 to senior citizens i.e., who are over 60 years. The amount includes a preventive healthcare check-up tax deduction of INR 5000. For those aged below 60 years, the tax deduction limit stays up to INR 25,000. Again, it includes the preventive healthcare check-up tax advantage of INR 5000. 

Claim Settlement Ratio of Reliance Health Insurance

The claim settlement ratio of a company is among the most commonly searched factors when shopping for insurance. Why so? Because it can provide insight into how likely you are to receive a payment if you need to file a claim. This critical information can help you shop for the best health insurance policy.

CSR or claim settlement ratio is the ratio of the number of claims settled by the company over the number of claims filed by the policyholders in that particular year. It is also important to understand not every claim is rejected by the company due to issues from their end. In most cases, the policyholder files a claim for the wrong reason, the relevant documents are not attached, information is wrong, the reason for the claim is not covered, or more reasons. 

Reliance health insurance has a 99% CSR for the financial year 2021-22. This shows the company puts settling health insurance claims on high priority and is a trustworthy option for the policyholders in times of need.

How to Buy Reliance Health Insurance Online at Paytm Insurance?

Reliance health insurance offers healthcare coverage at an affordable rate. However, the premium should be in line with the coverage provided under the plan. This is exactly where Paytm insurance comes in. Here you can compare Reliance health insurance policies online before purchasing the one you need.

1. You first need to visit the Paytm insurance webpage.
2. Once you are on the homepage, select ‘health insurance’.
3. A drop-down menu will appear with all the eligible health insurance providers. Click on ‘Reliance health insurance’.
4. You will be directed to a new page on which you have to complete and submit a quick survey.
5. Once you complete the survey, you will have to provide your current pin code and age.
6. Click on ‘get quotes’.
7. Choose your preferred health insurance plan and buy it online.

List of Documents Required to Buy Reliance Health Insurance Online

Here is a list of documents needed to purchase a Reliance health insurance plan online:

• Recent photographs
• Proposal form
• Recent medical reports
• Address Proof
• Age Proof
• Identity Proof
• Income Proof (if required)

Note: This is a generic list of requirements. So, please check with the insurance provider for any additional documentation required.

How to Renew Reliance Health Insurance Online?

Policyholders need to renew their ongoing health insurance policies on time to avoid them from lapsing. This ensures the peace of mind that there is no gap in their policy coverages.

Here is how you can renew Reliance health insurance online:

1. Visit the Reliance General website and go to ‘renew’
2. Navigate to ‘renew health insurance’.
3. You can either renew using your mobile number or policy number.
4. If you want to renew with your mobile number, click on that and ‘send OTP’ options.
5. You will get the OTP on your registered mobile number to renew your Reliance health insurance policy.
6. Click on ‘policy number’ if you want to renew with this option.
7. Enter your policy number, policy expiry date, and click on ‘go’
8. Whatever option you choose, your policy number will go for verification based on the details you submit.
9. Once the authentication happens successfully, you will get a renewal quotation.
10. Pay your renewal fees online to renew your policy online.

How to File a Claim with Reliance Health Insurance Online?

Cashless health insurance claims and reimbursement health insurance claims are the two types of medical insurance claims you can opt for when using Reliance health insurance

The first one is cashless health insurance claims offered by the hospitals and medical facilities in the insurance provider’s network. Once you have decided where you want to get the insured admitted, you need to contact Reliance and notify it about the admission. The moment the hospital approves your admission, you can get cashless treatment from that hospital.

The second one – reimbursement health insurance claims are offered by both network and non-network hospitals. Once you have received treatment from the hospital, all you need to do is submit a claim with relevant documentation. 

Here is how you can initiate a claim with Reliance General Insurance Company.

You need to inform the company directly as the claim occurs by dialing the 24x7 toll-free number -18003009 or its paid number +91 22 48903009. You can even email at rgicl.rcarehealth@relianceada.com. 

Reliance Health Insurance Cashless Claim Process

If you are located near a network hospital or any medical facility, you should be looking for cashless treatment as it helps you get high-quality treatment at no out-of-pocket expenses. Here is the cashless claim procedure of Reliance health insurance:

1. Get advice on hospitalisation from your doctor.
2. Initiate your claim by contacting Reliance General Insurance Company on the numbers or the email address mentioned above.
3. Get the insured admitted to any of the insurance provider’s network hospitals and submit a health insurance card and photo identity proof of the concerned person.
4. Once the patient is admitted, the hospital’s TPA desk will contact the company to confirm your identity.
5. Once your identity and claim are verified, the hospital will provide you with a cashless treatment.

List of Documents Required for Reliance Health Insurance Cashless Claim

The following paperwork is needed when submitting Reliance health insurance cashless claims:

• Pre-approval diagnosis with breakdown summary
• Insured and policyholder’s KYC details
• Insured and policyholder’s age
• Health insurance card
• Health insurance policy details
• Other relevant healthcare reports

What is the Reimbursement Claim of Reliance Health Insurance?

If you don’t have any network hospitals nearby, you can always file a refund claim with your insurance company. The good thing with that is you will be refunded upto the sum insured available no matter where the insured patient is admitted. Here is the breakdown of the process:

1. Get advice on hospitalisation from your doctor.
2. Initiate your Reliance health insurance claim by contacting the insurance provider on the numbers and the email address mentioned above.
3. Get the insured admitted to any nearby hospital.
4. Undergo the necessary treatment and settle the medical bills.
5. All there’s left now is to submit the original scan paperwork within a week of the discharge to receive the refund money.

List of Documents Required for Reliance Health Insurance Reimbursement Claim

The following paperwork is needed when submitting Reliance health insurance reimbursement claims-

• Duly filed claim form
• Doctor’s hospitalisation advice
• Discharge summary
• Invoice and advance payment receipts
• Prescriptions issued by the hospital
• Diagnostic test reports
• Other relevant healthcare reports

Note: The insurance company will notify you if it needs additional paperwork to approve your claim.

How to Calculate Reliance Health Insurance Premium?

The most common problem customers face when shopping for health insurance online is finding a policy that strikes a balance between the coverage offered and the premium rates. As a policyholder, you do not want to pay more than the coverage you receive. This is exactly why premium rates can make or break a deal. 

Reliance health insurance removes this obstacle by providing free health insurance quotations on their product pages. All you need to do is visit its website, navigate to your preferred health insurance product page, and click on ‘get quote’. There you need to input some basic information about yourself and a representative from Reliance General will get in touch with you to offer a detailed plan quote.

Reliance Health Insurance Tax Benefits

Active health insurance policyholders do love Section 80D of the Income Tax Act. That section can provide a tax break of up to INR 25,000 with a preventive healthcare tax advantage of INR 5,000 to policyholders who are under the age limit of 60 years. In the same way, policyholders over 60 years are entitled to a tax deduction of INR 50,000 with INR 5,000 tax benefits.

What is Covered Under Reliance Health Insurance Plans?

Reliance health insurance plans are affordable and comprehensive by catering to the different needs of policyholders. This list includes the general inclusions of the Reliance health insurance plans:

• In-patient Hospitalisation

This coverage includes medical expenses of the insured patient due to hospitalisation for more than 24 hours.

• Pre-hospitalisation

This coverage includes the insured patient's medical expenses  for the policy-specified term before hospitalisation. 

• Post-hospitalisation

This coverage includes the insured patient's medical expenses for the policy-specified term after discharge.

• Domiciliary Hospitalisation

This coverage includes medical expenses of the insured patient for home treatment due to the inability of the patient in getting transferred to the hospital or a lack of hospital beds. However, a qualified medical practitioner needs to prescribe home treatment, which should last for a minimum of three days, for health insurance coverage.

• Road Ambulance Expenses

This coverage includes medical expenses to transport the insured patient to any nearby hospital for admission.

What is Not Covered Under Reliance Health Insurance Plans?

As with any other health insurance plan, Reliance health insurance comes with a list of exclusions on its plans. Here are the common exclusions:

• Evaluation and investigation without treatment
• Dietary substances and supplements
• Plastic and cosmetic surgeries (unless required for the patient’s survival)
• Adventure or hazardous sports
• Substance abuse and/or alcohol
• Breach of law
• Sterility and infertility
• Refractive error < 7.5 diopter
• Dental treatment
• Maternity expenses
• External congenital anomaly
• Alternative treatment other than AYUSH
• Nuclear war
• Suicide and self-injury

Reliance Network Hospitals

Network hospitals are a type of medical facility that provides an extensive range of health services to patients at various times. They aim to offer their insured customers the best possible treatment options at low or no out-of-pocket expenses.

Network hospitals are now considered one of the most lucrative branches of health services. The network hospitals are medical facilities that provide both cashless and reimbursement claims to the policyholders. This offers them the ultimate flexibility as policyholders are free to choose from both options. Do locate a nearby Reliance network hospital by visiting the company’s official website.

Reliance Health Insurance Reviews

Reliance health insurance is a leading insurance service provider offering comprehensive coverage at affordable premiums. It is one of the most trusted names in the industry. Its policies are efficient, convenient and comprehensive. The company's services have been customized to suit each individual's needs at best.

It provides comprehensive coverage at affordable premiums and that it can take care of every aspect of your health needs like any other healthcare insurance provider. Reliance offers a wide range of options for you to choose from without compromising on quality, affordability and value for money.

How to Contact Reliance Health Insurance Company?