1. Family floater option
2.Coverage of Pre-Existing Diseases after 2nd / 4th year of renewal
3. Pre and Post-hospitalization
4. No Capping/ sub limits
5. Wider Sum Insured options
6. Up gradation of Plan - Allowed subject to No Claim Cases & subject to U/w approval
7. Addition of member-Mid Term - Allowed for new born baby and new wed spouse
8. Change in Plan with Increase / decrease in SI - Allowed subject to No Claim Cases & subject to U/w approval
9. No Copayment
10. No room rent or ICU cost restriction
11. Cashless Facility
12. Policy without Medical test till 45 yrs for clean medical proposals
13. Renewal Reward - No Claim Bonus
14. Income Tax Benefits
15. Reimbursement of Cost of Health Check up after 4 claim free years
16. Extended coverage till 75 years in the case of Renewals
17. Maximum entry age - 65 years
18. 5% discount for every claim free year on renewal premium up to maximum of 20%.
19. Choice of TPA at Renewal
20. No deductions in Non Network hospital izations
Covers hospitalisation expenses incurred as an in-patient in a Hospital which will include
Room, Boarding and Operation Theatre charges
Fees of Surgeon, Anesthetist, Nurses, Specialists
The cost of diagnostic tests, medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs etc
Due to advancement of technology, hospitalisation expenses for certain treatments / diseases like the following are also covered, when he/she is admitted in the hospital and even though the hospitalisation is for less than 24 hours
Dilation & Curettage
Hernia Repair Surgery
Lithotripsy (Kidney stone removal)
Medical Treatment for a period exceeding three days, which in the normal course, would require hospitalisation, but treatment is actually taken at home, under any of the following circumstances: -
the condition of the patient does not permit him/her to be removed to Hospital or
the patient cannot be admitted to Hospital for lack of accommodation therein
This benefit also covers expenses on employment of a qualified nurse, as recommended by the attending Doctor.
Pre- and Post-Hospitalisation
Policy also covers relevant medical expenses incurred during a specified period, before & after hospitalisation (for which a claim is payable)
Coverage of Pre-Existing Diseases
Hospitalisation expenses incurred on treatment towards Pre-existing diseases / condition can be covered:
Gold Plan: after completion of 2 consecutive years of the policy period
Silver Plan: after completion of 2 consecutive years of the policy period
Standard Plan: after completion of 4 consecutive years of the policy period
Covers hospitalisation expenses towards donor in case of major organ transplant(only for silver and gold plan).
Value Added Features
Expenses on Accompanying Person
Payment towards expenses incurred by an accompanying person at the hospital while Insured is hospitalised for a minimum period of 5 days.
Gold Plan : Rs. 300/- per day for a maximum of 5 days (i.e. from the 6th day to the 10th day of hospitalisation)
Local Road Ambulance Services
Silver Plan : Rs. 250/- per day for a maximum of 5 days (i.e. from the 6th day to the 10th day of hospitalisation)
Standard Plan : Rs. 200/- per day for a maximum of 5 days (i.e. from the 6th day to the 10th day of hospitalisation).
Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.
Gold Plan - Rs. 1000/-
Silver Plan - Rs. 750/-
Standard Plan - Rs. 500/-
In an unfortunate event, if the Insured is hospitalised for more than 10 consecutive days, a lump sum benefit of Rs. 10,000 will be paid . This condition is applicable for all the members of the floater separately irrespective of the number of occurrences during the Policy period subject to overall limit of Sum Insured. This benefit is available only for gold plan
Cost of Health Check up
This benefit provides for reimbursement of cost / charges incurred for medical check up. In case of accepted proposals the Insurer shall
reimburse 50% of the total medical costs.
Payment of Nursing Allowance for expenses towards employment of registered nurse at the residence of Insured or during the period they are hositalized provided such services are:
Confirmed as being necessary by the treating Physician
Relate directly to a disease / illness / injury for which the Insured has been hospitalised
Allowance is payable for 5 days.
Gold Plan Rs. 300/- per day
Income Tax Benefit
Silver Plan Rs. 250/- per day
Premium paid for Reliance HealthWise Policy is eligible for tax deduction under section 80 D of the Income Tax Act, subject to the condition that the premium amount is paid by cheque/DD by the customer from his bank account.
Rs. 10,000/- for self, spouse, kids and parents
Pre-insurance health Check up
Rs. 15,000/- if the policy includes senior citizens whose ages is above 65 years
No medical tests required at enrollment stage for family members under the age of 45 and the Policy is issued within 2-3 business days based on proposal form and declaration
Applicants above 45 years will be covered only after completion of medical tests, submission of reports and the approval of Underwriting team