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Reliance Health Insurance

Reliance Health Insurance shields you from medical uncertainties to deliver both excellent healthcare and financial relief.

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Reliance Health Insurance

Quick

Claim Settlement

Cashless

Treatment

Effective

Health Coverage

Tax Benefit

Upto ₹25,000
Fincover® > Insurance > Health Insurance > Reliance Health Insurance
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As a part of Reliance General Insurance Reliance Health Insurance stands as one of India’s premier healthcare insurance organization. The insurance company provides multiple health insurance policies which serve medical requirements for various population segments including individuals, families along with senior citizens. Using its mission to make health insurance affordable and accessible Reliance Health Insurance provides its customers worry-free medical care.

Did You Know?

  • Reliance Health Insurance efficiently settles claims at a ratio higher than 98%.
  • Reliance operates a hospital network spanning over 10000+ facilities throughout India.
  • The market features their health insurance policies as top choices because they provide both flexible options and cost-effectiveness along with extensive coverage.
Plan Name Sum Assured Limit
Health Gain Insurance Policy ₹3 Lakh – ₹1 Crore
Health Infinity Insurance Policy ₹5 Lakh – ₹5 Crore
Health Super Top-Up Insurance ₹2 Lakh – ₹1.3 Crore (with deductible)
Health Global Insurance Plan ₹1 Crore – ₹5 Crore (International coverage)
Corona Rakshak Policy ₹50,000 – ₹2.5 Lakh (Fixed Benefit)
Cancer Protection Plus Plan ₹10 Lakh – ₹40 Lakh

Strength of your health insurance provider determines both your health safety and financial stability. Reliance Health Insurance distinguishes itself through its widespread hospital network as well as its customer-oriented practices and efficient claim processing methods.

Did You Know? Reliance General Insurance introduced India’s initial cashless claim settlement option which improved medical accessibility to people.

Various reasons demonstrate why choosing Reliance Health Insurance would be beneficial

  • High Claim Settlement Ratio: Quick and hassle-free claim processing.
  • Customizable Plans: The company offers specialized insurance plans based on individual, family, senior citizen and corporate employee needs.
  • Affordable Premiums: The product provides competitive insurance prices which deliver substantial advantages to customers
  • Pre- and Post-Hospitalization Cover: Under the Pre- and Post-Hospitalization Cover Reliance Health Insurance pays medical costs throughout all hospitalization stages.
  • Tax Benefits: Premiums paid are eligible Policies for tax deductions through Section 80D of the Income Tax Act.
  • No-Claim Bonus: Get a good increase to your sum insured for every claim-free year.

  • Lifetime Renewability: Renew your policy at any age without any restriction

    Coverage for Critical Illnesses: Financial protection in the event of diagnosis of any critical illness

    Domiciliary Hospitalization: Reliance Healthcare offers domiciliary hospitalization insurance that covers medically supervised medical treatments received in the home.

    AYUSH Treatment: Coverage for AYUSH treatments to ensure holistic wellness

    Maternity Benefits: Coverage for pregnancy expenses and newborn care.

    Daycare Procedures: The policy covers outpatient surgical treatments without needing hospital stays exceeding 24 hours.

    Hospital Cash Benefit: Daily cash allowance during hospitalization.

    Interesting Fact: The coverage under Reliance Health Insurance for daycare procedures extends to cataract surgery so patients can file insurance claims even without 24-hour hospital admission.

  • No Paperwork: Easy digital onboarding with no paperwork, get your policy in minutes.
  • Cashless Treatment: Customers can receive medical treatment without making upfront payments at network hospitals through Cashless Treatment procedures.
  • Wellness Rewards: Health-conscious policyholders can earn rewards through Wellness Rewards that provide various health-related discounts.
  • Annual Health Check-ups: Complimentary health check-ups in reputed medical centers for continuous policyholders.
  • Coverage for Alternative Treatments: The health insurance policy includes coverage for AYUSH treatments to help patients pursue holistic wellness.
  • Ambulance Cover: The insurance plan provides medical transportation through its ambulance coverage benefit.

Do you know? Reliance Health Insurance provides patients access to top-up health insurance that features additional coverage which comes with affordable premium prices. This product suits policyholders who possess basic health plans since it extends additional coverage beyond their existing policy.

Inclusions Exclusions
In-patient hospitalization expenses: Covers hospital stay and medical costs. Pre-existing diseases: Covered only after the waiting period.
Pre- and post-hospitalization expenses: Medical costs before and after hospitalization. Cosmetic and plastic surgeries: Not covered unless medically necessary.
Daycare treatments: Coverage for procedures not requiring 24-hour hospitalization. Self-inflicted injuries: Injuries due to intentional harm or suicide attempts.
Organ donor expenses: Covers expenses related to organ donation. Dental and vision treatment: Not covered unless due to an accident.
Ambulance charges: Expenses for ambulance services up to a defined limit. Treatment for drug or alcohol abuse: Excluded from coverage.
AYUSH treatment: Coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments. War-related injuries: Any injuries sustained due to war or conflicts are not covered.
Domiciliary hospitalization: Covers medical treatment at home when hospital admission is not possible.
  • Fincover provides easy convenience to obtain Reliance Health Insurance by following these steps.
  • You can access the health insurance section of Fincover.com through your internet browser.
  • The platform provides tools that let you identify insurance plans suited to your requirements.
  • Provide your personal information accompanied by data about your age along with medical background and necessary coverage.
  • To obtain additional security select critical illness coverage as part of your add-ons.
  • You can make secure payments through Online Payment to receive instant policy issuance.
  • Health insurance policyholders can receive their documents through email while enjoying policy access at any time.

Quick tip: Fincover online purchases let you access unique special deals and discounts

To ensure a smooth claim settlement process, you need:

  • Completed claim form
  • Policy copy
  • Doctor’s prescription and treatment details
  • Hospital discharge summary
  • Original medical bills and receipts
  • Investigation reports
  • KYC documents (Aadhaar, PAN card, etc.)
  • Bank details for reimbursement claims
  • Users can access Reliance General Insurance through either its website or Fincover platform.
  • Enter your policy details.
  • Users can obtain their digital policy by selecting ‘Download Policy’ from the website menu.
  • You can save the PDF file both for current and upcoming use.

Pro tip: Every policyholder should maintain an electronic duplicate of their insurance policy stored either on their mobile phone or cloud-based storage in case they need it during emergencies

Reliance Health Insurance provides its members with Cashless treatment at 10000+ network hospitals throughout India which deliver top-quality medical services.

  • The Fincover portal along with the Reliance Insurance website provides users with access to their network of hospitals.
  • Users can search for network hospitals by entering their city or PIN code information on the website.
  • Look for the closest hospital from the list then verify if their services include the cashless payment option.
  • Show ID and health card during hospital admission procedures to speed up your entry.

Cashless Claim Process:

  • The hospitalization must be reported to Reliance Insurance within a 24-hour limit.
  • You should send the pre-authority request to the network-affiliated medical facility.
  • Hospital & insurer coordinate for approval.
  • You can receive cashless treatment by presenting minimal paperwork to the hospital staff.

Reimbursement Claim Process:

  • The required step involves making the hospital bill payment before obtaining necessary medical documents.
  • Present your claim request together with medical bills and all relevant reports to the insurance provider.
  • Your health insurance claim gets processed so that you receive your payment through your banking account.

Health insurance premiums become determined by three key elements including the insured person’s age and the coverage amount together with optional benefits choices. The Fincover’s Health Insurance Premium Calculator helps users determine their premium amount:

  • Age of the insured
  • Pre-existing health conditions
  • Sum insured amount
  • Additional riders (critical illness, maternity benefits, etc.)
  • Lifestyle habits (smoking, alcohol consumption, etc.)

Interesting Fact: The Reliance Health Insurance covers day care procedures including cataract surgery with the result that you can claim insurance benefits even though you are not hospitalized 24 hours a day.

1. What is the waiting period for pre-existing diseases?

The waiting period lasts two to four years according to plan specifications.

2. Does Reliance Health Insurance cover COVID-19 treatment?

Yes, COVID-19 hospitalization expenses are covered.

3. Can I buy health insurance for my parents from Reliance?

Reliance allows customers to purchase specific health insurance plans targeting senior citizens.

4. What happens if I miss my renewal date?

Policy holders get 30 days after the expiration date to renew their insurance coverage.

5. Is there a no-claim bonus?

Yes, policyholders earn a no-claim bonus that increases the sum insured for every claim-free year.

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