All you Need to Know Reliance Health Insurance Policy

What is Reliance Health Insurance ?

A part of Reliance Capital, Reliance General Insurance is counted among the leading insurance companies in India. It has over 139 offices in the country and also offers insurance solutions via more than 28,900 intermediaries. Amongst its myriad offerings are health insurance policies that help its customers maintain financial stability amidst health-related complications. If you are seeking a health insurance plan for yourself or your loved ones, then Reliance General health insurance is a great option for you. On this page, you will find all the critical information you need about Reliance health insurance policies that will help you make an informed decision about buying a plan. So, without any further ado, let us begin.

Why Choose Reliance General Health Insurance Plans for Yourself and Your Family

Reliance is a renowned name in the health insurance industry in India.

Moreover, they have a range of health insurance plans that add to the convenience of their customers. You can choose an individual plan or opt for group health insurance policies that cover the whole family, including spouse, minor children, and parents. Reliance General Health Insurance settles 98 percent of all claims received. In addition to that, it has a network of more than 8000 hospitals. This means that you can easily find a hospital to avail the cashless treatment facility in case of a medical complication.

Several Reliance General health insurance policies also come with premium waiver facility. Thus, in case you are diagnosed with a critical illness, you do not need to pay any premium in the future. Moreover, you can even customize your individual and family floater Reliance health insurance policies.

Also Read : Niva bupa Health Insurance Policy

Benefits and Features of by Reliance Health Insurance Policies

Sum Insured: Reliance General Insurance offers health insurance policies of INR 3 lacs to INR 1 crore sum insured.

Cumulative Bonus: In case you do not raise a claim during a year, you can get up to 100% of the sum insured as cumulative bonus in your health plan at renewal.

Claim Settlement Ratio: Reliance General Insurance boasts a remarkable claim settlement ratio of 98 percent. This means that the insurer settles 98 percent of all the claims raised by its customers.

Policy Period: You can buy a Reliance health insurance policy for a period of one, two or three years.

Policy Type: Reliance General Insurance offers individual and family floater insurance policies.

Network Hospitals: The insurer has a vast network of hospitals. With a Reliance health insurance plan, you can avail cashless treatment at more than 8600 hospitals across India.

Tax Benefits: You can save tax on up to INR 1 lac premium paid for an insurance plan under the Section 80D of the Indian Income Tax Act.

Online Processing: You can buy a Reliance health insurance plan online and save time.

Add-ons/Riders: There are numerous riders available to help you expand the coverage of your Reliance health insurance plan.

Watch this Video to Get Complete Information about Reliance Health Care Plan

Saving Tax with Reliance Health Insurance Plans

According to Section 80D of the Income Tax Act, 1961, the premiums paid towards an insurance plan are eligible for tax deductions. Read on to know more about these deductions:

A deduction of INR 25000 is available for an individual and their family.

A deduction of INR 50000 is available if the individual of their spouse is 60 years or older.

A deduction of INR 25000 is available for parents’ insurance. In case one of the parents is a senior citizen - then a deduction of INR 50000 is available.

A deduction of INR 5000 is available towards preventive health check-ups for an individual and their family members, including spouse, parents, and dependent children.

Popular Reliance Health Insurance Plans

There are numerous Reliance health insurance policies available in the market, and depending on your requirements, you can choose the one that suits you the best. Amongst the most popular of these are Health Gain Insurance, Reliance Health Infinity Insurance, Super Top-Up Insurance, Arogya Sanjeevani Policy, Health Wise Insurance, Hospi Care Insurance, Saral Suraksha Bima, Critical Illness Insurance, and more. Apart from these, there are several other Reliance health insurance policies that you can choose from.

Documents Required to Buy a Reliance Health Insurance Policy

Several documents are required at the time of buying a health insurance plan. This is true for all insurance companies in India. These documents provide a valid proof of the insured person’s age, income, health conditions, etc. Please note that any misleading document or incorrect information can prevent you from enjoying the benefits of the health insurance plan. The various documents required while buying a health insurance plan are:

Identity Proof:

• Passport
• Voter ID Card​
• Driving License
• Aadhaar Card

Address Proof:

• Passport
• Ration Card
• Rent Agreements
• Aadhaar Card
• Utility Bills
• Driving License

Age Proof:

• Passport
• Birth Certificate
• Driving License
• Aadhaar Card
• Voter ID Card
• Medical Reports (if needed)
• Passport-sized Photographs

Optional Add-ons in Reliance Health Insurance Plans

A health insurance plan may not cover everything you want it to. That is where add-ons come into the picture! Add-ons, also known as riders, offer additional coverage on the basic health insurance plans. The insurer charges a  small additional amount in return for the additional coverage. There are numerous riders or add-ons available with Reliance health insurance plans. These include:

• Maternity & newborn baby cover
• OPD insurance cover add-on
• Hospital daily expenses add-on
• Global emergency hospitalization
• Emergency ambulance services
• Critical illness cover
• Medical inflation insurance cover

Frequently Asked Questions about Reliance General Health Insurance

Q. How Do I get a Reliance Health Insurance Policy ?

A. Buy health gain insurance policy online with comprehensive network hospitals and home care treatment for up to 40% less at official website (reliance general).

Q. What is the Discount of Reliance Health Insurance ?

A. Reliance General Insurance Policy Offers up to 21% discounts on your health insurance premium.

Q. What is the Advantages of Reliance Health Insurance ?

A. The key features of Reliance illness policy such as Liflong Renewability, inhouse claim process, No medical tests up to 45 years.

Q. Do Reliance health insurance cover COVID-19 ?

A. The IRDAI or Insurance Regulatory and Development Authority of India has directed all health insurance companies to cover expenses related to COVID-19 infection in their health insurance policies. As per the latest guidelines of the IRDAI, all insurers must cover the medical expenses of an insured person who has been hospitalized for a period of more than 24 hours post COVID-19 diagnosis. In addition to this, Reliance General Insurance has also introduced dedicated health insurance plans covering pre and post-hospitalization expenses as well as quarantine-related expenses.

Q. What factors affect the premium of Reliance health insurance plans ?

A. Pre-existing health conditions, medical history, age and body mass index are among the various factors that can affect the premium of your Reliance health insurance plan.

Q. Do I need a health insurance plan ?

A. Medical complications mostly come unannounced and often prove devastating for the financial well-being of the individual and their family. Thus, it is always better to plan ahead of time and stay safe with a health insurance policy. These plans help you get the best healthcare in case of emergencies without worrying about the cost of the treatment. So, if you are an adult, get a health insurance plan today.

Q. What does network hospital mean ?

A. Insurance companies build a network of hospitals where their customers can avail treatment without paying any fee from his or her pocket. The more hospitals an insurer has in its network the better – as it allows its customers to conveniently find a hospital and avail cashless treatment facility. In the absence of this option, the patient or their family have to bear the expenses initially and apply for reimbursement at a later stage.

Q. What are some critical factors to consider while choosing a Reliance health insurance plan ?

The various significant factors in picking a health insurance plan are:

A. Coverage: The plan must have adequate coverage for your and your family’s medical needs.

Affordable: Please insure that you can afford present and future premiums of the health insurance plan you buy.  

Renewability: The health Insurance plan must be renewable during your entire lifetime.

Waiting Period: Choose a plan with minimum waiting period to ensure maximum coverage for all illnesses.

Limits and Restrictions: Always check limits on ambulance charges, room rent, pre and post-hospitalization period, etc before buying your health insurance plan.

Q. How do I check the details of my existing Reliance health insurance policy ?

A. You can check the policy document or get in touch with a representative through Reliance health insurance customer care number.

Q. Where do I check Reliance health insurance claim status ?

A. You can track the claim status on the official Reliance General Insurance website. All you need to do is enter the policy number and you can easily track the claim status.

Q. Where can I check Reliance Health Insurance hospital list ?

A. You can check the list of Reliance General Insurance network hospitals on the official website of the insurer. 

Also Read : 

Bajaj Allianz Health Insurance Benefits  

ManipalCigna Health Insurance Plans  

Niva bupa Health Insurance Plan Online