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Reliance HealthGain Insurance

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Reliance HealthGain is a Unique Health plan which will protect our Customer against ever increasing medical costs and would provide a flexibility to increase their coverage with time to meet upto to market requirement.

Unique Features

  • Special Privileges for covering girl child and single woman
  • Reinstate the policy with base Sum Insured after its exhaustion
  • Cumulative bonus at the end of a claim-free year
  • 5% / 10% family discount with an individual policy
  • Claim and policy service guarantee in case of delay
  • Free auto-extension of the policy for an additional year
  • 5% premium discount for Reliance Private Car Package policy customers

Plan offers four health policy plans

Health Gain HealthWise Critical Illness Personal Accident

HealthGain insurance overview

  • Eligibility
  • Benefit Table
  • Exclusions

Eligibility Criteria

Plan A Plan B
Pre-policy Issuance Medical Check-up
>=46 years >=18 years
Entry Age - Maximum
65 years. No entry age bar for an insured sum of 3 lakh 65 years
Entry Age - Minimum
Individual/Floater - 5 years or above. Children between 91 days & up to 4 years can be covered under a floater with at least one member aged 21 years or above
Exit Age
No exit age. This policy offers lifelong renewability.
Individual Option
Can cover maximum 6 members individually under the same policy
Floater Option
Can cover maximum 6 members under the same floater = 4 (children) + 2 (members >=21 years of age)

Benefits of Reliance Standard Insurance

Plan A Plan B
Sum Insured - on annual basis
3Lacs, 6Lacs , 9Lacs 12Lacs, 15Lacs & 18Lacs
Domestic Road Ambulance
Upto 1500 Upto 3000
Policy Service Guarantee
Sum Insured of 10,000 for delay in policy issuance Sum Insured of 20,000 for delay in policy issuance
Accidental Death Cover for No Claim Renewal
No 1 lac personal accident- Death Cover for policyholder insured.
Insurance renewal
No One time renewal premium waiver if the policy holder - Insured suffers from named critical illness
Pre-hospitalisation
60 days 60 days
Post hospitalisation
60 days 60 days
Re - instatement of Base Sum Insured
One re-instatement upto 100% of base Sum insured, subject to submit of 20% for related illness / injury. One re-instatement upto 100% of Base Sum Insured, subject to sublimit of 20% for related illness/ injury
Hospitalisation Expenses
(a)In-patient treatment
(b)Day care treatments
Yes Yes
Wellness
Yes Yes
Donor Expenses
50% of base sum insured upto a maximum of 5 lacs 50% of base sum insured upto a maximum of 5 lacs
Domiciliary Hospitalisation
Upto 10% of base sum insured, subject to a maximum of 50000 Upto 10% of base sum insured, subject to a maximum of 50000
Wellness
Yes Yes
Cumulative Bonus
33 1/3% increase in base sum insured for every claim - free year; maximum upto 100%.
33 1/3% decrease in base sum insured for every claim year; maximum upto cumulative bonus earned.
33 1/3% increase in base sum insured for every claim - free year; maximum upto 100%.
33 1/3% decrease in base sum insured for every claim year; maximum upto cumulative bonus earned.
Call Option
The maximum Sum Insured (Base + Cumulative Bonus) shall be Minimum of four times of the base sum insured (under first policy period) or Rs. 50 lakhs. Can be exercised up to the age of 60 years. Exercising of call option will attract extra premium. The maximum Sum Insured (Base + Cumulative Bonus) shall be Minimum of four times of the base sum insured (under first policy period) or Rs. 50 lakhs. Can be exercised up to the age of 60 years. Exercising of call option will attract extra premium.
Claim Service Guarantee
Cashless Claims 1% of claim amount for every delay of 6 business hours beyond 6 hours of receipt of all information / documents

Re-imbursement Claims - 1% of claim amount for every delay of 21 days beyond 21 days of receipt of all information / documents. (Maximum - 6% for a claim amount)
Cashless Claims 1% of claim amount for every delay of 6 business hours beyond 6 hours of receipt of all information / documents

Re-imbursement Claims - 1% of claim amount for every delay of 21 days beyond 21 days of receipt of all information / documents. (Maximum - 6% for a claim amount)
  • Intentional self-injury / injury under influence of alcohol or drugs / criminal act
  • Treatment received outside India / Stem Cells surgery
  • War / Nuclear / Chemical / Biological
  • Diseases such as HIV or AIDS or STD
  • Diseases existing from the time of birth (Congenital diseases)
  • Maternity, fertility excluding Ectopic pregnancy
  • Cost of spectacles, contact lenses and hearing aids
  • Dental treatment or surgery
  • Treatment of mental illness
  • Cosmetic, aesthetic treatment
  • Non-allopathic, Out-patient treatment
  • Unproven / Experimental treatments

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  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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