Reliance Health Insurance

Reliance Health Insurance - Individual Health Policy

• Individual Healthwise policy coverage is 5,00,000 and available for the individuals 5 years to 45 years(for 46 years - 55 years, medical examination is compulsary).
• Individual Mediclaim policy coverage is between 1,00,000 to 5,00,000 and available for the individuals 5 years to 45 years(for 46 years - 55 years, medical examination is compulsary).

Reliance Health Insurance - Key Advantages

• For the first time in India, Critical Illness are also covered as part of your health insurance policy.
• 24 hours cashless facility at more that 3000 network hospitals.
• Income Tax benefits under section 80 D.
• Options in duration of coverage - 1 year / 2year policies available.
• Family Floater benefit giving comprehensive protection to your family memebers under one single policy.
• Discounts on renewal premium for claim free policy
• Coverage of pre-existing conditions after 2 years / 4 years as per plan opted.

• Reliance Mediclaim Insurance Policy covers you and your family for hospitalisation and related expenses.
• Family members between the ages of 5 and 80 years can be covered.
• The policy also provides health insurance for children between the ages of 3 months and 5 years if one of the parents is covered concurrently.

Reliance Health Insurance - Healthwise Policy (Family Floater)

• Sum Insured of Silver Plan is 3 lakhs, 4 lakhs and 5 lakhs (Available for couple and 2 kids(3 months - 18years) and for 46-55 age group, medical examination is compulsary)
• Sum Insured of Standard Plan is 4 lakhs and 5 lakhs (Available for couple and 2 kids(3 months - 18years) and for 46-55 age group, medical examination is compulsary)

Reliance Health Insurance - Family HealthWise Key Advantages

• For the first time in India, Critical Illness are also covered as part of your health insurance policy.
• 24 hours cashless facility at more that 3000 network hospitals.
• Income Tax benefits under section 80 D.
• Options in duration of coverage - 1 year / 2year policies available.
• Family Floater benefit giving comprehensive protection to your family memebers under one single policy.
• Discounts on renewal premium for claim free policy
• Coverage of pre-existing conditions after 2 years / 4 years as per plan opted.

Reliance Health Insurance - Eligibility

• Anyone between the age of 3 months to 65 years can be covered under the two plans
• No fresh policy to be issued after 55 years incase of Silver and Standard Plan.
• 3 months - 45 years can be covered without Pre-insurance medical tests
• 46 years & above Mandatory medical test & necessary approval from the Under Writing
• Renewal is available till 70 years

Reliance Health Insurance - Policy Basic Features

• Hospitalisation Expenses
  
  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
  
  
• Day-Care Treatment
  
  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
  
  

  Cardiac Catheterization Cataract Chemotherapy Coronary Angiography Coronary Angioplasty Dialysis

  Dilation & Curettage Eye Surgery Hernia Repair Surgery Hydrocele Surgery Lithotripsy (Kidney stone removal) Radiotherapy Tonsillectomy

• Domiciliary Hospitalisation
  
  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)
  
  

  	Reliance Healthwise - Silver Plan	Reliance Healthwise - Standard Plan
  Pre Hospitalisation	60 Days	30 Days
  Post Hospitalisation	90 Days	60 Days

  
  
  
• Coverage of Pre-Existing Diseases
  
  Hospitalisation expenses incurred on treatment towards Pre-existing diseases / condition can be covered:
  
  
  • Silver Plan: after completion of 2 consecutive years of the policy period
  • Standard Plan: after completion of 4 consecutive years of the policy period
  
  
• Donor Expenses
  
  Covers hospitalisation expenses towards donor in case of major organ transplant(only for silver plan).

Reliance Health Insurance - 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.
  
  
  • Silver Plan : Rs. 250/- per day for a maximum of 5 days
  • Standard Plan : Rs. 200/- per day for a maximum of 5 days
  
  
• Local Road Ambulance Services
  
  Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.
  
  Maximum limit:
  
  
  • Silver Plan - Rs. 750/-
  • Standard Plan - Rs. 500/-
  
  
• Recovery Benefit
  
  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 payable as Recovery Benefit.
  
  Basic Hospitalisation claim is enough. No need to provide for bills as this is a benefit payment.
  
  This benefit is applicable for
  
  
  • All the members of the floater separately
  • Irrespective of the number of occurrence during the policy period
  
  
• Cost of Health Check up
  
  This benefit provides for reimbursement of cost / charges incurred for medical check up.
  
  
  • Applicable once at the end of a block of 4 claim free years.
  • Reimbursement is limited to 1.25% of the average sum insured.
  
  
• Nursing Allowance
  
  Payment of Nursing Allowance for expenses towards employment of registered nurse at the residence of Insured or at the Hospital 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
  
  This is applicable irrespective of the number of times of occurrence.
  
  Allowance is payable for 5 days.
  
  
  • Silver Plan Rs. 250/- per day
  
  

Reliance Health Insurance - features

• Income Tax Benefit
  
  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
  • Rs. 15,000/- if the policy includes senior citizens whose ages is above 65 years
  
  
• Pre-insurance health Check up
  
  
  • No medical tests required at enrollment stage for family members under the age of 45 and the Policy is issued immediately 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

Reliance Health Insurance - Exclusions

• Cataract
• Benign Prostatic Hypertrophy
• Myomectomy, Hysterectomy or menorrhagia or fibromyoma unless because of malignancy
• Dilation and curettage
• Hernia, hydrocele, congenital internal disease, fistula in anus, sinusitis
• Skin and all internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant /adenoids and hemorrhoids
• Dialysis required for chronic renal failure
• Gastric and Duodenal ulcers

• Disease/ Injury existing before inception of health insurance policy being pre-existing disease (however, these will be covered after 2nd year, depending on the choice of plan)
• Any disease contacted during the first 30 days of inception of policy - accidents excluded and roll over cases excluded
• Naturopathy or other forms of local medication
• Pregnancy & childbirth related diseases
• Intentional self-injury / injury under influence of alcohol, drugs
• Diseases such as HIV or AIDS
• Diseases existing from the time of birth (Congenital diseases)
• Cost of spectacles, contact lenses and hearing aids
• Dental treatment or surgery of any kind unless requiring hospitalization
• Charges incurred at Hospital or Nursing Home primarily for diagnostic without any treatment
• Expenses on vitamins and tonics unless forming part of treatment for disease or injury as certified by the medical practitioner
• Cosmetic, aesthetic, treatment unless arising out of accident
• Treatment related to obesity
• War, riot, strike, terrorism, nuclear weapons induced hospitalisation
• Routine medical, eye and ear examinations
• Treatment of mental illness