Reliance HealthGain Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy Reliance HealthGain Quotes for Family
Buy Reliance HealthGain for Family
| 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) | |
| 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) |
Review Reliance Health Gain insurance policy wordings which explains the terms and conditions.
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