Key Highlights

Cashless Treatment at 4000+ Network Hospitals

You don’t have to pay even a single paisa from your own pocket in more than 4000+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

Day Care Treatments

Insurance company will pay for more than 150 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

Wellness Services

You will have the option of seeking medical help from a Doctor through telephone or online. You can also access health related information on the Reliance health site

Key Product Benefits to Check

Expenses before and after Hospitalization

Get covered for all your claim related medical expenses 60 days before your hospitalization and upto 60 days after your discharge. This list may include follow-up visits, medication, diagnosis, etc.

Organ Donor Cover

Medical expenses of organ donor are covered up to 50% of the Sum Insured, in case of organ transplant subject to maximum.

Ambulance Cover

You can claim upto Rs.1500 to 3000 depending on the type of plan you choose for necessary transportation fares by Ambulance.

Recharge of Sum Insured

If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, your sum insured will be recharged at no extra cost.

Policy Service Guarantee

In case the policy issual is delayed by 10 days even after submitting all documents, you will receive a onetime additional Sum Insured of Rs.10,000 to 20,000 depending upon plan type.

Wellness Solutions

You can get awesome discounts on various, value-added wellness services and choice of various online solutions through wellness program.

Exclusions to note

Pre exisiting diseases

In the first 3 years of subscription, the policy will not pay for treating medical conditions that you may have been suffering from before purchasing the policy.

30 days waiting period

You can only claim for treatments undergone 30 days after the issue of the policy except for treatment of emergency/accidents

2 years waiting period

This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 2 years.

FAQ’s

What is the maximum age for renewal under Reliance HealthGain policy?

Age is no bar for renewals – you can enjoy the advantage of our mediclaim policy for your entire life!

What tax benefits can you avail by having a health insurance?

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

Do I have to undergo any medical examination?

A medical check-up is required only in some cases. Under plan A, if you’re >=46 years of age Under Plan B, if you’re >=18 years of age Under any health insurance plan, if you’re less than 46 years of age, but suffering from a pre-existing disease *Based on sum insured and the age of the person

Who pays for the medical examination?

The proposed insured(s) will need to pay for the cost of Pre-Policy Check-up (PPC) directly to the doctor or diagnostic centre. Reliance will co-ordinate the appointment with the empanelled doctor or diagnostic centre through appointed RCARE (In-house).

Can the sum insured be changed in the mid-term?

no

How can I add my family members to my existing policy?

You can add family members to your existing policy only when you are renewing your Individual Policy or Floater mediclaim insurance Policy subject to applicable underwriting guidelines and approval from us. You cannot add dependants in the middle of a policy term, except in the case of a new born baby (from 91 day) or a newly married spouse. For product specific conditions have a look at the product brochures.