Reliance Health Gain Policy

What is the Plan all About?

Health Gain Policy from Reliance General provides health cover for you and your family. You also have the option to choose the sum insured that suits you and/or your family’s healthcare needs. Enjoy health protection for your family.

Key Features

Comprehensive health cover at an affordable premium
Get cover for your extended family
Avail huge premium discounts upon buying this policy
Enjoy lifelong renewability for your mediclaim policy
Reinstatment of base sum insured
Claim & policy service guarantee
5% discount to single woman and girl child

Policy Benefits

Inpatient care for covered illnesses /injuries, where an insured requires a minimum of 24 hours of hospitalization.
Pre hospitalization expenses are covered for 60 days before hospitalization and post hospitalization expenses covered for 60 days after hospitalization.
Day care treatment for surgeries/procedures are covered, where an insured requires hospitalization for less than 24 hours.
Domiciliary Hospitalization/treatment taken at home expenses is covered up to 10% of base Sum Insured subject to a maximum of Rs 50,000. This benefit is applicable when treatment continues for at least 3 days.
Organ Donor benefit covers the organ donor's medical expenses during transplant surgery. Expenses are covered up to 50% of base Sum Insured, subject to a maximum of Rs 5 lacs.

Value Added Benefits

This plan offers No Claim Bonus of 33.33% on your base sum insured after every claim free policy year, without any additional cost. You can also earn cumulative bonus equal to the base sum insured for 4 consecutive claim free policy years.
This plan refills the entire Sum Insured at no additional cost.
Ambulance Charges are reimbursed up to a maximum of Rs 3,000.
Tax Benefit under section 80D of Income Tax Act, 1961.
Value-added wellness services.
Get an accidental death cover of Rs 1 Lac after every claim free policy year.
Renew your medical insurance policy for free, in case insured is diagnosed with a specified critical illness.

Sub Limits

Room Rent is limited to a Single Private Room.
Co pay applies applies if the insured/eldest member at entry is aged 61 years or more. The policyholder shall have to bear 20% of the claim amount under the policy and rest, the company will pay.

Waiting Period Clause

Initial Waiting Period: Claims arising during first 30 days of the policy start date, except those arising incurred due to an injury.
Pre existing Disease Waiting Period: Any pre-existing disease until 36 months of continuous policy coverage, counting from inception of the first policy.
Specific Waiting Period: Some treatments such as non infective arthritis, rheumatism, osteoarthritis, joint replacement, ENT disorders, hernia, etc. is covered after 2 consecutive policy years.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	91 Days	No Limit
Sum Assured	3 Lacs	18 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days From The Date Of Expiry To Renew The Policy	-
Free Look Period	15 Days	-
Riders	Nil	-