Reliance Health Insurance Critical Illness Plans

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Life is unpredictable, and so are severe illnesses! Unforeseen circumstances, anxiety, and an improper lifestyle all contribute to horrible medical disorders. Anyone, at any age, can experience life-threatening illnesses. That's exactly where the Reliance health insurance critical illness plans come in to save the day. The plans are affordable yet offer comprehensive coverage to the policyholders against major illnesses. 

Reliance General insurance company is dedicated to providing innovative solutions and unparalleled customer care. To satisfy the healthcare needs of various consumer groups, Reliance General provides a wide range of medical insurance solutions such as individual policies, family floater policies, critical illness policies, and group mediclaim medical insurance policies. This company's goal is to create cheap insurance policies that are available to everyone. The critical illness plans from Reliance offer coverage against major organ transplant, cancer, coma, blindness, burns and many other critical illnesses.

This page will provide an in-depth description of the Reliance health critical illness policy.

Reliance Critical Illness Policy

Reliance critical iIllness Insurance is a lifesaver that may keep diagnosed persons' funds from flowing down the sewer all at once while enduring pricey medical procedures for lifestyle-disabling or life-threatening disorders. You can receive a lump sum payout arrangement for your treatments with the program by your side. This can assist you by providing some sort of financial aid when life throws you a curveball.

Benefits of Reliance Health Critical Illness Insurance Policy

The following benefits are provided by the Reliance health insurance critical illness cover:

1. Comprehensive Coverage

There's nothing worse than finding out that you or a loved one has been diagnosed with a serious illness. A total of 10 illnesses - that's the maximum number of illnesses covered under Reliance health insurance critical illness plans. Since these plans cover a combined total of ten illnesses - cancer, heart attack, stroke, open brain injury,  hydrocephalus, etc., you'll have plenty of coverage for your family in case one of them is diagnosed with a serious illness.

2. Pre-acceptance Medical Tests are not Mandatory

Whenever you are buying insurance, you need confirmation that your health insurance will be there when you need it the most. However, when the policy itself needs you to go over a medical test before policy acceptance, the situation becomes a little confusing. Reliance health insurance does not require any pre-acceptance medical screening for policyholders aged below 45 years. For customers who are aged 45 years or older, the insurance company needs medical tests to approve the policy and offer optimal premium rates based on their medical conditions.

3. High Sum Insured

Not having a good amount of insurance coverage can turn out to be a huge worry given the costly treatment of critical illnesses. Fortunately, a large sum insured amount is always a plus, particularly when it comes to critical health coverage. This can assist your household or dear ones dealing with a medical crisis. This may be particularly beneficial for persons with significant ailments who require costly healthcare procedures since it ensures that there's a financial supply to settle for any treatment that your doctor may recommend. Reliance health critical illness cover offers a sum insured from INR 5-10 lakhs.

4. Tax Advantages

Section 80D of the Income Tax Act offers tax advantages to policyholders on their health insurance premium payments. The tax deduction amount is limited up to INR 25,000 for policyholders up to the age limit of 60 years. The same limit is set up to INR 50,000 for individuals above the age limit of 60 years. Both scenarios include a tax deduction limit of up to INR 5,000 for preventive healthcare tests.

Key Features of Reliance Health Insurance Critical Illness Cover

If you or your loved one is diagnosed with a critical illness, Reliance health insurance can provide relief and coverage. Any family should buy critical illness insurance to feel at home during an emergency. You don't have to worry anymore as you have what you need in the form of Reliance health insurance critical illness policy. Here are the key features of the plan:

  • The sum insured amounts are INR 5 lakhs, 7 lakhs and 10 lakhs
  • The policy tenure is 1 year and 3 years
  • The policy is issued only on an individual sum insured coverage basis
  • 10 critical illnesses are covered
  • 3 months of the waiting period is provided
  • Survival periods are 30 or 60 days

Reliance Health Insurance Critical Illness Policy List

Reliance health insurance critical illness plans are some of the most affordable policies out there. The plan is designed to protect you in case you get sick with any of the policy-specified critical illnesses. With this policy, you can be sure that if something happens to you, you will get a lump sum payment that will cover your cost to visit a doctor and get necessary treatment when needed.


  • Reliance Critical Illness Insurance
Plan TypeIndividual
Sum InsuredINR 5 lakhs, 7 lakhs and 10 lakhs
Policy Tenure1 and 3 years


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

Reliance Health Insurance Critical Illness Plans FAQs

  • 1. Are pre-acceptance medical tests required for Reliance health insurance critical illness cover?

    Pre-acceptance medical tests are only required for customers looking to buy Reliance health insurance critical illness cover who are above 45 years of age.

  • 2. How to purchase Reliance health critical illness cover?

    To purchase Reliance health critical illness cover, you need to visit the company website and follow its application procedure. Alternatively, you can purchase the same from Paytm Insurance. 

  • 3. What is the required minimum age requirement for a Reliance health critical plan purchase?

    The entry age for Reliance critical illness plan includes 18 years to 65 years.

  • 4. Does the Reliance health critical illness policy cover maternity expenses?

    No. Reliance health critical illness policy does not cover maternity expenses.

  • 5. What are the exclusions listed under the Reliance health insurance critical illness plans?

    The policy exclusions include:

    • Pre-existing diseases
    • Critical illnesses diagnosed within 3 months of the policy start
    • Childbirth or pregnancy
    • AIDS / HIV
    • Gender-swap treatments
    • Cosmetic surgeries
    • Alcohol, drug or substance abuse
    • Self-injury
    • Breach of law
    • Terrorism, war or nuclear weapons
    • Death within 30 days of surgery or illness diagnosis
    • Diagnosis by a non-medical practitioner
    • Non-scientific diagnosis of illness

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