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Reliance Health Insurance |
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The Reliance Health Policy ensures you provide the best medical care to your family. We offer a health insurance policy that gives you the optimum value for money without compromising on the quality of medical attention.
Reliance Health Insurance - Key Advantages
- Very affordable - Rs. 3 lakh cover for a family of two at Rs. 2513 per annum
- 24 x 7 cashless facility and TPA support
- No medical check-up up to age of 45 years
- 24-hour cashless facility at over 4,300 hospitals across India.
- Pre-existing illnesses coverage after two years or four years (depending on the plan you choose) of continuous cover
- Policies available up to the age of 65 years.
- Income Tax benefit under Section 80 D
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
Individual HealthWise
- 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.
Individual Mediclaim Insurance
- 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.
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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.
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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 - Requirement for Different Age Groups |
| Age band |
Coverage |
| 3 months to 18 years |
Covered only along with either of the parents without any medical examination (clear proposals without pre-existing disease/ with nil claims history / with clear medical history) |
| 19 - 45 years |
Covered without any medical examination (clear proposals without pre-existing disease/ with nil claims history / with clear medical history) |
| 46-55 years |
Covered subject to satisfactory medical examination |
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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
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- Dilation & Curettage
- Eye Surgery
- Hernia Repair Surgery
- Hydrocele Surgery
- Lithotripsy (Kidney stone removal)
- Radiotherapy
- Tonsillectomy
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- 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)
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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
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Reliance Health Insurance - Exclusions
First year Exclusions
There are certain ailments which are not covered for the First year of inception of health insurance cover, but are covered subsequently -
- 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
Permanent Exclusion
- 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
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