Reliance Health Insurance - HealthWise Standard Policy

Reliance Health Insurance - HealthWise Standard 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 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

Reliance Health Insurance - HealthWise Standard 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.
• Options in duration of coverage - 1 year / 2year policies available.
• Family Floater benefit giving comprehensive protection to your family memebers under one single policy.
• Coverage of pre-existing conditions after 4 years as per plan opted.

Reliance Health Insurance - HealthWise Standard Policy Coverage

• 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, 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 - Standard Plan
  Pre Hospitalisation	30 Days
  Post Hospitalisation	60 Days

  
  
  

• Coverage of Pre-Existing Diseases

  
  Hospitalisation expenses incurred on treatment towards Pre-existing diseases / condition can be covered:
  
  
  • Standard Plan: after completion of 4 consecutive years of the policy period

Reliance Health Insurance - HealthWise Standard 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.
  
  
  • 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:
  
  
  • Standard Plan - Rs. 500/-
  
  
  

• 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.
  
  
  

Reliance Health Insurance - HealthWise Standard Policy 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
  
  
  

• Family Floater

  
  Policy can be issued on a Floater basis covering the family members of the Insured comprising the Insured, spouse and two dependant children (upto the age limit of 21 years).
  
  
  • All members of the family (Self, Spouse, 2 Kids) can be covered under one single policy
  • Single premium payable for the entire family
  • The amount of Sum Insured "floats" over the entire family
  • No need to insure individual members separately
  • No hassles of tracking renewals for different members
  
  
  

• 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 - HealthWise Standard 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 / 4th 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