Reliance Health Insurance

About Reliance Health Insurance Company

Reliance Health Insurance began in 2000 and has since grown into one of the largest insurance providers in the industry today. Reliance medical insurance plans offer coverage for a variety of problems, ranging from health insurance for individuals and families to critical illnesses and accidents. Such comprehensive coverage places Reliance Health Care at the forefront in the race for most effective insurance providers in India.

Reliance Mediclaim has over 7000 network hospitals with a 72.20% claim settlement ratio. This wide reach ensures that they can provide best Reliance Health Care services all over the country. They currently have 139 offices and 28,900+ intermediaries all over the country, contributing to their stellar customer care reputation. Combining this with their comprehensive plans ensures that their customers get exhaustively covered under any circumstances.

The numerous Reliance Health Insurance Plans are:

Reliance Critical Illness Insurance Policy
Reliance HealthGain Insurance Policy
Reliance Health Infinity Insurance Policy
Reliance HealthWise Insurance Policy
Reliance Personal Accident Insurance Policy

Let’s take a closer look at every Reliance mediclaim policy.

Reliance Critical Illness Insurance Policy

Entry Age: 18-65 years
Policy Term: 1-2 years
Sum Assured: Rs.5-10 lakhs (depending on the age of insured)
Coverage: 10 major critical illnesses.

Other benefits:

This plan covers coma quadriplegia.
Coverage offered for life-threatening illnesses like cancer, major organ transplant, multiple sclerosis, and burns.
Lifestyle Disabling Coverage: Coma, Quadriplegia Heart Valve Replacement, Total Blindness, Last Stage Renal Disease.

Reliance HealthGain Insurance Policy

Entry Age: 5-65 years (Children between 91 days-4 years covered as long as a covered member is 21+ years)
Policy Term: 1-2 years
Sum Assured: Rs.3-9 lakhs (Plan A); Rs.12-18 lakhs (Plan B)
Pre and Post-Hospitalisation: 60 days for both

Other benefits:

Avail up to 4 times the base sum insured after every 4 claim-free years.
Road Ambulance charges: Rs. 1500 (Plan A); Rs. 3000 (Plan B)
In the event of delay in issuance of policy beyond 10 working days. you receive additional Rs. 10,000 (Plan A); Rs. 20,000 (Plan B)

Reliance Health Infinity Insurance Policy

Entry Age: 18-65 years (Adults); 91 days-25 years (Children)
Policy Term: 1-3 years
Sum Insured: Rs.3 lakhs-1 crore
Pre and Post-Hospitalisation: 90 and 180 days, respectively

Other benefits:

Coverage provided for in-patient AYUSH treatments
Coverage provided for every daycare procedure
Coverage for every donor’s expenses during organ transplant

Reliance HealthWise Insurance Policy

Entry Age: 3 months-65 years
Policy Term: 1 year
Sum Insured: Rs.1-5 lakhs
Pre and Post-Hospitalisation: 30 and 60 days (Standard); 60 and 90 days (Silver/Gold)

Other benefits:

Hospital Cash Benefit: Rs. 250/day for 7 days under the Gold plan
Ambulance Coverage: Rs. 500 (Standard); Rs. 750 (Silver); Rs. 1000 (Gold)
Free health checkup after 4 consecutive claim-free years.
5% discount on premium paid for every claim-free year for 4 years (maximum 20%)

Reliance Personal Accident Insurance Policy

Entry Age: 5-70 years
Policy Term: 1 year
Basis: Individual (Family Floater option)
Renewability: Lifelong

Other benefits:

100% Sum Insured Coverage: Accidental death, permanent total disability, loss of two limbs, two eyes or one limb and one eye
50% Sum Insured Coverage: Loss of only one limb or only one eye
Temporary Total Disability Benefit: Up to Rs. 5,000 will be paid every week for a maximum of 100 weeks

Why Choose a Reliance General Insurance Mediclaim Policy

Reliance Health Insurance India policies have experienced a positive reception due to their comprehensive coverage. The several sums insured and premium options make every Reliance Health Insurance for a family and individual exceedingly desirable. Therefore, they have maintained their ranking as one of India’s most popular insurance providers.

Reliance Health Insurance has a wide range of over 7000 hospitals at which cashless services can be availed. Combining this with the claim settlement ratio of 72.20% places them in good figures and ensures that their customers are happy with the plans they receive.
The wide range of sum insured options is offered from Rs. 1 lakh to Rs. 1 crore, depending on policy needed. Customers can choose their plan, which also upgrading it to a Reliance Health Insurance family floater plan as per their needs. This is especially important in the case of personal accident insurance.
You can purchase or renew your existing Reliance health insurance online. The procedure is easy and straightforward, with a helpful website that tells you precisely what you need for a successful renewal.
There is a lot of freedom given to the insured in terms of payment mode and plan riders. They can, therefore build a plan that ensures their financial security - as insurance promises - rather than one where premium payments become a burden.
There are several benefits such as no-claim bonuses and other such incentives that keep customers with Reliance General and give them the best insurance experience.
All premiums paid to Reliance Health Insurance are deductible under Section 80(D) of the Income Tax Act.

Calculating a Reliance Mediclaim Policy Premium

While renewing any insurance policy, you need to pay a premium. Reliance lets you calculate your premium along with various parameters. You buy insurance to reduce financial burdens. Reliance helps ensure this financial weight is lighter by giving you an idea of what premium payments you can expect during your time with them. The guidelines used by Reliance Health Care are:

Age: The older you are, the higher your premium might be.
Occupation: Depending on how dangerous your occupation is, the premium is higher or lower. More hazardous means higher premiums.
Medical History: Genetics and past illnesses play a role in what you’re susceptible to. Depending on past medical conditions and the family medical histories, your premium can be higher.
Substance Abuse: If you have a smoking or drinking habit, that compromises your health, therefore increasing your premium. /li>

Reliance General Insurance Mediclaim Claim Process

Depending on whether or not you were admitted to a network or non-network hospital, you will need to choose your insurance claim form. Network hospitals require cashless claim forms and non-network hospitals require reimbursement claim forms.

Cashless Claim Process:

Show the Health Card at the hospital’s insurance desk.
Fill in the cashless request form.
Submit a pre-authorisation form with photo ID and hard copies of health-related documents to the TPA or Reliance Care Health.
Verify and sign all the bills.
Leave behind original discharge summaries and investigation reports at the hospital. The hospital will settle your bills directly with the insurer.

Reimbursement Claim Process:

Inform your insurer about your hospitalisation as soon as possible.
Collect all the necessary documents during discharge.
Submit these documents along with a filled reimbursement form to the insurer within 15 days of discharge.
If any post-hospitalisation treatment is necessary, send the documents within 15 days after treatment completion.

Knowing the necessary documents for successful claim filing can be confusing. There are so many to keep track. This is why Cover360 is here to help you! After bringing you together with the insurance plan of your dreams, our experts want it to continue being your favourite. We help you maintain your financial independence by ensuring you have all the necessary documents for a successful claim file!