Reliance General Health Insurance Plans

Company Overview

Reliance General Insurance Co. was incorporated on 17th August 2000. Reliance General Insurance Company is a subsidiary of Reliance Capital Ltd (Indian diversified financial services holding company). The company has attained a wide presence through 139 offices and 28,900+ intermediaries across India. Reliance General offers customized insurance plans and, thereby, meet every customer’s individual needs. It is India’s first insurance company to get the ISO 9001:2000 certification across all functions, processes, products and locations.

The Latest Claim Settlement Ratio of the company for year 2018-19 is 86%.

Key Points of Reliance Health Insurance

Policy Renewability	Lifetime
Health Cover	Individual & Family Floater
Network Hospitals	4000+ hospitals
Claims Ratio	86%
Wellness Services	Yes

Snapshot Of Reliance General Health Insurance Plans

Plan Name	Plan Type	Min/Max Age	Min/Max SI	Availability	Plan Tenure
Health Gain Policy	Individual/Family Floater	Adult: 21 years– No age limit Child: 91 days – No age limit	Min SI: 3 Lakh Max SI: 18 Lakh	Online	Min: 1 year Max: 2 years
Health Insurance on EMI	Individual/Family Floater	Adult: 21 years– No age limit Child: 91 days- 4 years	Min SI: 3 Lakh Max SI: 18 Lakh	Online	Min: 1 year Max: 1 year
HealthWise Insurance Policy	Individual/Family Floater	Adult: Child:	Min SI: 1 Lakh Max SI: 5 Lakh	Online	Min: Max:

Reasons for buying Reliance General Health Insurance Plans

With hectic day to day life, people don’t get enough time to look after their health that sprout serious health concerns. The medical treatments have also become costlier and that’s why, you need to buy a right health insurance plan. Reliance General Insurance Company offers health plan with customized features to suit your healthcare needs.

Main USP’s of Reliance General Health Insurance Plans are:

Comprehensive health cover at affordable cost
5% discount for single woman and girl child
Avail 5%/10% family discount
Cover available for extended family
Cashless hospitalization in over 4000 network hospitals
Reinstatment of the basic sum insured
Lifetime renewability
Avail benefits of wellness program
Claim & policy service guarantee
Auto-extension of the policy for an additional year
Portability option available

Key Benefits of Reliance General Health Insurance Plans

In-patient hospitalization expenses are covered for illnesses/injuries, as applicable under the policy
Pre-hospitalization expenses incurred prior hospitalization are covered for 60 days
Post-hospitalization expenses incurred after discharge from hospital are covered for 60 days
Listed day care procedures/surgeries are covered
Expenses incurred towards Domiciliary Hospitalization are covered up to 10% of base Sum Insured subject to a maximum of Rs 50,000
Organ donor medical expenses incurred are covered up to 50% of base Sum Insured, subject to a maximum of Rs 5 Lacs
Tax benefits are applicable for the premiums paid under section 80D of the Income Tax Act, 1961

Value Added Benefits under Reliance General Health Insurance Plans

No Claim Bonus of 33.33% on your base sum insured after every claim free policy year and on completion of 4 consecutive claim-free policy years, you can earn cumulative bonus equal to the base sum insured
Reinstate the policy with the base sum insured during the policy period
Ambulance Charges are reimbursed
Enjoy the benefits of wellness program
Accidental death cover of Rs 1 Lac after every claim free policy year
Auto-extension of policy for an additional year, when diagnosed with one of the specified critical illnesses

(Note: The health plan benefits, features, specifications may differ from one to another)

Reliance General Health Insurance Coverage

Reliance General offers comprehensive coverage with the health plans to custom fit your healthcare needs. With Reliance Health Insurance plans, you need to choose the right sum insured to get the appropriate health cover that will help you to cover the medical expenses incurred arising from hospitalization.

Reliance General Health Insurance Claim

When seeking health insurance claim from Reliance General, you can choose either cashless or reimbursement claim.

Cashless Claim: There is an option to avail the cashless hospitalization, when any insured member is hospitalized with the listed 4000+ network hospitals of Reliance general insurance. Before buying Reliance health insurance policy, you are advised to check the hospital list to ensure there is a network hospital nearby to your location.

In case of planned hospitalization, you need to fill the pre-authorization form to intimate the insurance company before 48 hours of such hospitalization. For immediate hospitalization, you should fill the pre-authorization form within 24 hours of hospitalization. On submission of required documents, the insurance company pays the medical expenses directly to the hospital.

Reimbursement Claim: If you are hospitalized with the non-network hospital, Reliance general health insurance will reimburse you for the medical expenses incurred upon hospitalization. You need to provide the medical bills and other required documents for reimbursement of the claim.

Documents to be submitted for Claims

The following documents need to be submitted with the Reliance health insurance claim form.

First doctor’s prescription
Hospital bills
Related treatment prescriptions
Diagnostic reports
Discharge from hospital
FIR copy, if any
Patient’s identity card
Copy of health card

Calculate Reliance General Health Insurance Premium

With Reliance health insurance plans, the insurance company will pay for your hospitalization expenses up to the coverage opted under the health plan. To get the health cover, you need to pay the premium for the plan chosen.

Before buying a health plan from Reliance general insurance company, you can check the premium with help of health insurance premium calculator. The premium chart from Reliance general will also help you to identify the premium you will pay for availing a health insurance cover.

Reliance Health Insurance Review

Reliance Health insurance offers various benefits like hospitalization cover along with lifetime renewability that saves you against the financial burden which is caused by a medical contingency. On successful completion of 4 continuous claim-free years, Reliance health insurance reimburses the health check-up expenses. You can choose several other add-ons at affordable premiums that will help to boost the coverage and fulfill your healthcare needs.

Reliance General Health Insurance- FAQ’s

How to pay the policy premium?

Reliance general health insurance offers payment of premium through two modes.

Online Payment: For online mode of premium payment, the policyholder can pay through credit card, debit card & net banking.

Cash payment at branch: You need to visit the Reliance General Insurance branch and pay the stipulated premium on or before the due date.

How can I check the status of Reliance health insurance policy?

By logging to Reliance general insurance homepage, you can check the policy status online by entering the required details such as policy number, date of birth or registered mobile number.

What is the policy renewal process of Reliance health insurance?

For renewing a health policy, you need to visit the website of Reliance general insurance. To renew the policy, the insurance company will ask some basic details such as policy number, name, e-mail ID and contact details. Over there, you can calculate the premium and thereafter you will proceed for the payment. After you make the premium payment, the policy is renewed instantly.

What is the process of Reliance general insurance to settle the health insurance claims?

To settle a health claim, you need to intimate the company by filling the claim form and uploading relevant documents online. Upon acceptance of the documents by the insurance company, your claim is settled within the timeframe as specified by the insurer.

Is there any tax benefit on Reliance General health insurance plans?

The premium amount you pay for covering self or your family under Reliance general health plan is considered for tax benefit under section 80D of the Income Tax Act 1961.