Reliance Health Insurance – Features, Benefits & Coverage
When it comes to protecting your health and finances, Reliance Health Insurance has you covered. With a diverse range of plans designed to suit every need and budget, Reliance Health Insurance offers an impressive array of benefits — from optional riders and flexible policy tenure to comprehensive coverage, a wide hospital network, and convenient cashless treatment services. Whatever your healthcare requirements, Reliance Health Insurance has a plan built around you.
Table of Contents
- Reliance Health Insurance Plans
- List of Reliance Health Insurance Plans
- Coverage Offered Under Reliance Health Insurance
- Exclusions Under Reliance Health Insurance Policies
- Reliance Health Insurance Premium Calculation
- How to Apply for Reliance Health Insurance Online?
- Reliance Health Insurance Policy Renewal Process
- Reliance Health Insurance Claim Process
- Eligibility Criteria to Apply for Reliance Health Insurance
- Documents Required to Apply for Reliance Health Insurance
- What are the Benefits of Reliance Health Insurance?
- Reliance Health Insurance Toll Free Number
Health insurance plans are one of the preferred investment options for most citizens as they enable them to save hefty payments related to treatment in case of medical emergencies. Indian insurance market offers a wide range of health insurance plans offered by various insurance providers and one such insurance plan is Reliance Health Insurance, which is a subsidiary of Reliance Capital and a part of Reliance Anil Dhirubhai Ambani Group.
The insurance providers offer various health insurance products to meet the healthcare needs of the customers. Read on to know more details about Reliance Health Insurance.
Reliance Health Insurance Plans
The following are some of the different types of health insurance plans offered by Reliance General Insurance
- Individual Plans: An individual health insurance plan is specially designed to cover the medical expenses starting from basic hospitalisation expenses to comprehensive coverage, including ambulance charges, health check-ups, pre- and post-hospitalisation expenses, doctor fees, and others. The premium of these types of plans depends on the age, health condition and other factors of the individual.
- Family Floater Plans: Under a single policy, a family floater health insurance plan offers coverage to an entire family. The plan also covers the extended family members including the father-in-law and mother-in-law that covers the pre- and post-hospitalisation expenses, the hospitalisation expenses, and other medical expenses.
- Senior Citizen Plans: This type of insurance plan provides financial aid to the individual who is 60 years of age or above and covers the pre- and post-hospitalisation expenses, hospitalisation bills, and other medical costs. The premium of such plans is higher than usual health insurance plans as high risk is involved with senior citizens.
- Critical Illness Insurance Plans: Illnesses such as heart attack, total blindness, and kidney failure, are covered under Critical Illness Insurance plans. These plans offer financial aid in lump sum for treatment expenses, income loss, and other expenses associated with the illness.
- Personal Accident Insurance Plans: This insurance plan helps to deal with the financial emergency caused due to death or disablement resulted due to accident and covers accidental death, permanent disability, and permanent partial disability. It also covers the education of two children in case of death of the policyholder and the premium amount depends on the age, coverage opted, and occupation.
List of Reliance Health Insurance Plans
The following is the list of health insurance plans under Reliance Health Insurance
- Reliance Health Infinity Insurance
- Reliance Health Gain Insurance
- Reliance Super Top-Up Health Insurance
- Reliance Health Global Insurance
- Reliance Specially Abled Health Insurance
- Reliance Hospi Care Insurance
- Reliance Critical Illness Insurance
- Reliance Saral Suraksha Bima
- Reliance Personal Accident Insurance
- Reliance Arogya Sanjeevani Policy
- Reliance GroupMediclaim Policy
- Wellness
Coverage Offered Under Reliance Health Insurance
The following is the list of coverage provided under Reliance Health Insurance
- Pre- and Post-hospitalisation: The insurance covers pre hospitalisation expenses that include diagnostic tests and medicines, and also includes the post-hospialisation costs which are any requirement for an ambulance and others.
- Daycare procedure: The policy also covers the surgeries and other procedures recommended by the doctor along with daycare medical treatment or procedures.
- Injury and illness cover: The policy also covers hospitalisation cost dus to any injury or illness during the policy term.
- Hospitalisation cover: The plan covers the hospitalisation cost if the policyholder of admitted for more than 24 hours.
Exclusions Under Reliance Health Insurance Policies
The following are not included under Reliance Health Insurance:
- Expenses related to gender change
- Cosmetic or plastic surgery unless it is due to any kind of injury or illness
- Cost related to breaching of law
- Expenses related to refractive error in vision
- Treatment cost due to illness caused due to intake of alcohol, drug, or other additive substances
- Unproven treatment cost
- Cost of treatment abroad
- Cost of treatment for health issues caused due to war or similar situations
- Injury caused due to adventure sports
- Expenses related to treatment for obesity or weight control
- Treatment cost of health issue diagnosed within 30 days of purchase of health insurance plan
Reliance Health Insurance Premium Calculation
The following are the steps to calculate the premium for Reliance Health Insurance plans
- Select the city where you wish to opt the medical treatment
- Select the insured, such as
- Self
- Self and spouse
- Senior citizens
- Parents
- Self, spouse, and one child
- Self, spouse and two children
- Select the age of the eldest member
- Select the amount to be covered
How to Apply for Reliance Health Insurance Online?
The following are the steps to apply for Reliance Health Insurance online
- To apply for Reliance Health Insurance online, visit the official website of Reliance General Insurance
- Fill in the form by clicking on ‘Health’ tab
- To check the prices, click on ‘Check our Prices’
- Check the premium details of the plan
- Make the payment online after clicking on ‘Continue to Buy’
- After completing the entire process, the policy document will be sent to the registered email address
Reliance Health Insurance Policy Renewal Process
The following are the steps to renew Reliance Health Insurance claim
- To renew the health insurance policy, visit the official website of the insurance company
- On the ‘Renew’ option, click on ‘Renew Health Insurance’ option
- Enter the registered mobile number
- Enter the OTP (One Time Password) received on the mobile number
- On the user dashboard, check the policy details and make necessary changes if required, such as benefits, policy term, and amount covered
- Select the payment mode and click on ‘Payment’ option
- After completing the process, you will receive the confirmation via email
Reliance Health Insurance Claim Process
The following are the steps to apply for Reliance Health Insurance claim
The following are the steps for cashless claim processing
- Inform the company about your hospitalization
- At the TPA hospital desk, submit the authorisation form along with the copies of health card and photo identification
- For approval of the treatment, hospital will contact the insurance company
- Treatment bills will be cleared by the company once the everything is settled
The following are the steps for reimbursement claim processing
- Inform the insurance provider about your hospitalisation as early as possible
- Make the payment and collect all the required documents regarding treatment from the hospital
- To get reimbursement, you need to submit the original documents received from the hospital within 15 days of post-hospitalisation
- The payment will be transferred after receiving approval which will be done after verifying the claim request
Eligibility Criteria to Apply for Reliance Health Insurance
The following is the list of eligibility criteria to apply for Reliance Health Insurance
- Minimum age to apply for the insurance plan ranges between three months to 18 years
- Maximum entry age is 65 years
- Waiting period is 15 days, 30 days, and 90 days, and for some policies there is even no waiting period
Documents Required to Apply for Reliance Health Insurance
The following is the list of documents required to apply for Reliance Health Insurance
- If needed medical reports
- Proof of identification
- Aadhaar Card
- Voter ID card
- Passport
- PAN Card/Form 60, which is mandatory
- Driving License
Proof of age of the applicant
- Aadhar card
- Passport
- Driving license
- Birth certificate
- Voter ID card
What are the Benefits of Reliance Health Insurance?
The following is the list of key benefits of Reliance Health Insurnace:
- The plan offers cashless claim settlement in just 24 hours
- Offers high sum insured value which is up to Rs.5 crore
- The maximum and minimum entry age for Reliance Health Insurance policy is 65 years and three months, respectively
- Customers can avail high quality treatment facility at more than 9100 network hospitals
- Covers wide range of medical expenses such as ambulance, accidents, and many more
- The claim settlement ration of the insurance is 98.65%
- Does not require any medical test if insurance is purchased at an early age
- No-claim bonus can be availed for claim-free year if applied at an early age
- Enables to avoid waiting period through continuous cover with renewal if purchased at an early age
- Co-payment is not required and hence, no medical bills needed
Reliance Health Insurance Toll Free Number
The customer service of Reliance Health Insurance operates 24 x 7 and resolves all customer queries related to policy. Here are the contact details of Reliance Health Insurance:
- Contact Number: +91 22 48903009
- WhatsApp Number: +91 7400422200
- Email Address: rgicl.services@relianceada.com
FAQs on Reliance Health Insurance
1.What is the cancellation process of Reliance Health Insurance plan?
To cancel the policy, you need to submit the policy document along with surrender form to the nearest branch. After submission of documents, the amount gets refunded to the respective bank account of the policyholder.
2.What is the payment mode available for Reliance Health Insurance plan?
You can make the premium payment for Reliance Health Insurance plan through various payment modes, such as credit card, debit card, and net banking.
3.What factors determine my health insurance premium amount?
Some of the vital factors that determine the premium amount of the health insurance premium are plan category, age of the insured, location, number of members covered under the plan, and medical condition of the insured.
4.Do I need to do a medical test before I buy health insurance?
No, you need not do a medical test before purchasing the health insurance policy unless you are over 45 years. After 45 years insurance provider may request you for certain medical test reports before purchasing the health insurance policy.
5.How do I check the status of my health insurance claim?
To check your claim status of the health insurance plan, visit the official website of the insurance provider and click on ‘Lodge a Claim’. Click on ‘Track Claim Status’ and fill in the required details, such as name, policy number, customer ID, etc. Click on ‘Submit’ to track the claim status.
6.What is the ideal coverage amount I should include in my health insurance plan?
There is no ideal coverage amount, but the insurance provider always recommends you keep the coverage amount double of your annual income.
7.When can I have my children under my health insurance plan?
You can include your children under your health insurance plan from a minimum age of three months and can continue this until the health insurance plan turns 25 years.
8.How do I increase my sum insured over my existing health insurance plan?
You can increase your sum insured over your existing health insurance plan by either opting for a top-up plan or buying an additional health insurance policy.
9.How do I cancel the policy?
Policy cancellation is a simple process that involves writing a letter subjected the same, and addressed to Reliance General Insurance. On receipt of the letter, the premium amount shall be refunded, subject to the unexpired policy being less than 6 months old, and no claim having been lodged during that time.
10.Is there any deadline for submitting claims form in case of reimbursements?
It is advisable to file claims as soon as possible once reimbursements are in order. The Claim forms can be submitted at Reliance General Offices, may be routed through the Rcare Team.
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