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Reliance Healthwise Insurance

Reliance health insurance quote
Coverage type
Coverage amount
Date of Birth
  OR age      years
Policy Duration
Start Date
End Date

Who are covered under this policy?

  • Children above the age of three months and adults below the age of 65 years
  • Children between 3 months and 18 years can be covered only if one or both the parents are covered
  • Maximum age to enter the plan is 65 years ​​​

Plan offers four health policy plans

Health Gain HealthWise Critical Illness Personal Accident

Healthwise insurance overview

  • Benefits
  • Coverages
  • Exclusions
Standard Plan Silver Plan Gold Plan
Yes - Covers Hospitalisation expenses for period more than 24 hours
Domiciliary Hospitalisation
Yes - Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation
Day care treatment
Pre-Hospitalisation Medical Expenses
30 days 60 days 60 days
Post-Hospitalisation Medical Expenses
60 days 90 days 90 days
Pre-Existing Disease
After 4 continuous renewals After 2 continuous renewals After 2 continuous renewals
Cost of Health Check-up
Yes- Reimbursement of cost of medical check-up upto 1% of average Sum Insured for individual policies and upto 1.25% for Floater covers, once at the end of a block of four consecutive years provided there are no claims reported under the policies by any member, during the block
Critical Illness
No No Yes
Donor Expenses
No Yes Yes
Value added covers
Daily Hospitalisation Allowance
No No Rs. 250 per day upto 7 days
Nursing Allowance(Per day amount)
No Rs.250 per day for a maximum period of 5 days Rs.300 per day for a maximum period of 5 days
Local Road Ambulance Service (maximum of)
Upto Rs. 500/- Upto Rs. 750/- Upto Rs. 1000/-
Recovery Benefit
No Yes- If in case an insured person is hospitalised for more than 10 days, a lump-sum of Rs. 10,000/- will be paid
Expenses on accompanying person (per day amount)
Rs. 200/- per day for a maximum period of 5 days Rs. 250/- per day for a maximum period of 5 days Rs. 300/- per day for a maximum period of 5 days
Coverage of hospitalisation expenses
Expenses incurred towards -
  • Hospital (Room, boarding & operation theatre) charges
  • Doctors & Nurses fees
  • Medical tests
  • Medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs

Domiciliary hospitalisation
All expenses related to a medical treatment, which is being administered at home, provided that
(a) Patients conditions does not allow him to be shifted to a hospital or
(b) Due to lack of accommodation at the hospital

Day Care Treatment
Medical expenses towards day care treatments / surgeries where 24 hours of hospitalisation is not required subject to treatment / surgeries listed in the policy document.

Pre and Post - hospitalisation medical expenses
Medical expenses related to your treatment before and after hospitalisaton for Standard Plan is 30 and 60 days whereas for Silver and Gold Plan is 60 and 90 days respectively.

Pre-Existing diseases
Pre-existing diseases / illness / injury / conditions covered after four years of continuous coverage for Standard Plan & two years for Silver and Gold Plan.

Cost of health check Up
Cost of Health Check up at the end of a block of tour consecutive years, provided there were no claims reported.
Individual : 1% of average Sum Insured
Floater : 1.25% of average Sum Insured

Critical Illness - Additional Sum Insured
Gold Plan offers an additional amount equivalent to Sum Insured opted under Hospitalisation for treatment of listed critical illness such as Cancer, Coronary Artery Bypass Graft, First Heart Attack, Kidney Failure, Multiple Sclerosis, Major Organ Transplant, Stroke, Aorta Graft Surgery, Paralysis and Primary Pulmonary Arterial Hypertension more specifically defined in the policy. Once a claim is accepted & paid for, coverage under this section will not be available for that person for all future renewals.

Donor Expenses
All hospitalisation expenses incurred by the donor in case of major organ transplant are covered (available only under Gold and Silver Plans).

Value Added Covers
  • Daily Hospitalisation Allowance
  • Reimbursement of charges toward local road ambulance services
  • Expenses for nursing allowance as per the plan
  • Recovery Benefit as per the plan if the insured person is hospitalised for more than 10 days
  • Expenses on accompanying person will be provided as per the limits specified in the plan
  1. Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
  2. Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
  3. Expences arising out of or attributable to alcohol or drug use/misuse/abuse.
  4. Cost of spectacles/contact lenses, dental treatment.
  5. Medical expenses incurred for treatment of AIDS.
  6. Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.
  7. Any pre–existing illness for the first two years/ four years of the policy as per the plan selected.
  8. Dental treatment or surgery of any kind unless requiring hospitalisation with minimum 24 hours stay and treatment.
  9. Tests and treatment relating to infertility and in vitro fertilisation.
  10. Congenital disease.
  11. Treatment resulting from acts of war.
  12. Non-allopathic treatment.

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  • Address
  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022