Reliance General Insurance Company Limited is one of the leading Indian private insurance companies. It was established in 2000 and gained a license by IRDAI in the same year. Reliance General Insurance Company offers a wide range of insurance products such as motor insurance, health insurance, travel insurance, home insurance, marine insurance, and other insurances to their customers. The company has 139 offices across India. The cost of Reliance health insurance varies depending on the type of policy that you choose to buy.
The company offers a diverse range of health insurance plans and it has a huge customer base consisting of individuals, families, senior citizens, and corporate people to meet the healthcare requirements of various customer segments. Reliance Health Insurance is to satisfy the health insurance needs of the people, offer the best customer service and Reliance Health Insurance plans are affordable, accessible and there are a lot of key benefits such as cashless hospitalization, no claim bonus, and flexible payment of premiums, presence of network hospitals. The Claim Settlement Ratio of Reliance General Health Insurance is 89.36%
Why Buy Reliance Health Insurance?
- Trust ensured: Reliance Health insurance policy is trusted by millions of people across India. Reliance Health insurance tries hard to make insurance easier, more affordable.
- Support Assistance: Reliance Health insurance company gives 24/7 support assistance to avoid any discrepancies. Reach Reliance Health insurance Customer Care Service Number: 1800 3009. You can get video chat support available on video chat between 9:30 am to 6:30 pm from Monday to Saturday to help their policyholders.
- Fast Policy Issuance: No lengthy documentation process for buying a Reliance Health insurance policy. The insurance provider promises to deliver the health insurance policy to its customers within 10 seconds.
- Awarded Health Insurance Company: Reliance General Health Insurance Company is a recognized health insurance company that has been awarded as KamiKaze Awards 2019, ETEdge Award 2019, Digital Transformation Awards 2019, ET Now BFSI Awards, etc.
Benefits of Reliance Health Insurance
Reliance Health Insurance is an Indian insurance company that provides health insurance policies to its customers. It has been in the business of providing protection to customers for more than two decades now. The company offers a range of products that are designed to suit different customer needs, preferences, and budgets. Some of the benefits of Reliance Health Insurance are:
- Comprehensive coverage: The Company provides comprehensive coverage for all your needs, whether it is hospitalization, surgical procedures, or treatment for any other ailment.
- Low cost: The rates charged by the company are very low compared to other companies in the industry.
- Easy online application process: You can apply for a policy online and get quick approval without having to go through any lengthy documentation process.
- Tax Benefit: Premiums paid for Reliance health insurance plans are allowed as a tax-free deduction from the taxable income. This deduction is allowed under Section 80D.
- Cashless Benefit: Reliance health insurance has a tie-up with more than 4,000 hospitals across the country where the insured avail of cashless treatments.
- Additional Benefit: Reliance health insurance policies offers a health check-up facility under all its policies.
Reliance Health Insurance Key Features
| Features |
Details |
| Network Hospitals |
8000+ |
| Number of Braches |
139+ |
| Sum Insured |
50K to 1 Crore |
| Policy Period |
1 Year, 2 Years, 3 Years |
| Policy Type |
Individual, Family Floater |
| Cumulative Bonus |
Up to 100% |
| Age |
Child: 91 days to 25 years
Adult: 18 years to 65 years
|
| Pre-Post Hospitalization |
Covered |
| Tax Benefits |
Under Section 80D |
| Initial Waiting Period |
15-30 Days |
| Covid Cover |
Available |
| Renewability |
Lifetime |
| EMI Facility |
Available |
| Co-payment |
Available |
| Add-Ons |
Available |
| Claim Settlement Ratio |
89.36% |
| Solvency Ratio |
1.54 |
| Day Care Treatment |
Available |
| Wellness Program |
Provided |
Reliance Health Insurance Plans
Reliance Health Infinity Plan:
Reliance Health Infinity policy is a popular comprehensive health insurance plan. It offers large coverage options to both individuals and families. Take a look at the features and benefits of the Reliance Health Infinity policy.
Benefits and Eligibility Criteria:
- Sum Insured: 3 lakhs to 1 Crore
- Age Limit: Minimum entry age is 91 days and maximum entry age is 65 years
- Tenure: 1, 2, 3 years
- Policy Options: Individual, Family floater
- Waiting Period: 30 days
- Pre-hospitalisation: 90 days
- Post-hospitalisation: 180 days
- Hospitalization Expenses: Covered Up to sum insured
- Discounts: 10% discounts on buy/renew policy, 5% for covid vaccinated people.
- Road Ambulance charges: Covered
- Organ Donor Expenses: Covered
- Ayush treatment: Up to Sum Insured
- Day Care Treatment: Covered
- Cancellation Charges: 90 days free cancellation
Reliance Health Gain Plan:
Reliance Health gain policy provides coverage against medical expenses; this is an individual as well as family floater plan. It offers benefits such as cashless hospitalization, reinstatement of base sum insured, pre and post-hospitalization expenses, and numerous other add-on features. This plan offers two plan options as Plan A and Plan B.
Benefits and Eligibility Criteria:
- Sum Insured: Rs.3 lakhs, 6 lakhs or 9 lakhs (For Plan A); Rs.12 lakhs, 15 lakhs, or 18 lakhs (For Plan B)
- Age Limit: Minimum entry age is 91 days and maximum entry age is 65 years
- Tenure: 1, 2, years
- Policy Options: Individual, Family floater
- Waiting Period: 30 days
- Pre-hospitalisation: 60 days
- Post-hospitalisation: 60 days
- Hospitalization Expenses: Covered Up to sum insured
- Discounts: 7.5% discount for 2 year policy, 5% discount for existing customers
- Road Ambulance charges: Covered
- Organ Donor Expenses: Covered Up to 50% of SI
- Day Care Treatment: Covered
- Domiciliary Hospitalisation: Covered Up to 10% of SI
- Reinstatement of Base Sum Insured: Up to 100% of SI
Reliance Arogya Sanjeevani Policy:
Reliance Arogya Sanjeevani policy provides coverage against medical expenses; this is an individual as well as family floater plan. Arogya Sanjeevani policy is an easy-to-buy plan that covers all your inpatient hospitalization needs. Take a look at the features and benefits of the Reliance Arogya Sanjeevani policy.
Benefits and Eligibility Criteria:
- Sum Insured: 50k to 10 Lacs
- Age Limit: Minimum entry age is 91 days and maximum entry age is 65 years
- Tenure: 1 year
- Policy Options: Individual, Family floater
- Waiting Period: 30 days
- Pre-hospitalisation: 30 days
- Post-hospitalisation: 60 days
- Hospitalization Expenses: Covered Up to sum insured
- Day Care Procedures: Covered
- Dental Treatment: Covered
- Cumulative Bonus: maximum of 50% of SI
- Co-payment: 5% for all claims
- Road Ambulance: 2000/- per hospitalization
- Ayush Treatment: Covered
- Cataract treatment: Covered
- Special Treatments: Uterine Artery Embolization and HIFU, Balloon Sinuplasty, Deep Brain stimulation, Oral chemotherapy, Immunotherapy- Monoclonal Antibody to be given as an injection, Intravitreal injections, Robotic surgeries, Stereotactic radio surgeries, Bronchial Thermoplastic, Vaporisation of the prostrate, IONM, Stem cell therapy are covered up to 50% of SI.
Reliance Personal Accident Policy:
The Reliance Personal Accident Insurance policy provides coverage against accidental death, permanent total disability. It offers compensation in case the insured meets with an accident. Take a look at the features and benefits of the Reliance Personal Accident policy.
Benefits and Eligibility Criteria:
- Sum Insured: 5 Lacs to 20 Lacs
- Age Limit: Minimum entry age is 91 days and maximum entry age is 65 years
- Tenure: 1 year
- Policy Options: Individual
- Waiting Period: 30 days
- Reimbursement of Medical Expenses: Covered Up to sum insured
- Accidental Death & Permanent Disability: Covered up to 100% of Si
- Cumulative Bonus: Maximum of 50% of SI
- Worldwide coverage: Available
- Child Education Benefit: Available
Reliance HealthWise Health Insurance Policy:
Reliance HealthWise policy is a popular comprehensive health insurance plan. It offers large coverage options to both individuals and families. Take a look at the features and benefits of the Reliance HealthWise Health insurance policy.
Benefits and Eligibility Criteria:
| Parameter |
Gold |
Silver |
Standard |
| Sum Insured |
1 lakh to Rs. 5 lakh |
1 lakh to Rs. 5 lakh |
1 lakh to Rs. 5 lakh |
| Pre-hospitalization |
60 days |
60 days |
30 days |
| Post-hospitalisation |
90 days |
90 days |
60 days |
| Hospitalization Expenses |
Covered |
Covered |
Covered |
| Domiciliary Expenses |
Covered |
Covered |
Covered |
| Day Care Treatment |
Covered |
Covered |
Covered |
| Pre-Existing Disease |
After 2 continuous renewal |
After 2 continuous renewal |
After 4 continuous renewal |
| Health Check-ups |
Covered |
Covered |
Covered |
| Critical Illness |
Covered |
Not Covered |
Not Covered |
| Donor Expenses |
Covered |
Not Covered |
Not Covered |
| Road Ambulance |
Up to Rs.1000/- |
Up to Rs.750/- |
Up to Rs.500/- |
Reliance Critical Illness Health Insurance Policy:
Reliance Critical Illness health insurance policy specifically designed to give protection to a particular person against a life-threatening disease. The policy provides a lump sum benefit to cover the insured against 10 critical and lifestyle diseases, such as cancer, kidney failure, third-degree burns, etc. Take a look at the features and benefits of the Reliance Critical Illness Health insurance policy.
Benefits and Eligibility Criteria:
- Sum Insured: 5 Lacs to 10 Lacs
- Age Limit: Minimum entry age is 18 years and maximum entry age is 65 years
- Tenure: 1 year and 3 years
- Policy Options: Individual
- Waiting Period: 3 Months
- Pre-hospitalisation: 30 days
- Post-hospitalisation: 60 days
- Survival Period: 30/60 days
- Medical Tests: Not required up to 45 years
- Tax Benefits: Get tax benefits under section 80D of the income tax Act 1961.
Reliance Corona Rakshak Health Insurance Policy:
Reliance Corona Rakshak health insurance policy provides a lump sum benefit to cover the medical expenses arising out of the treatment of COVID-19. Take a look at the features and benefits of the Reliance Corona Rakshak policy.
Benefits and Eligibility Criteria:
- Sum Insured: 50k to 2.5 Lacs
- Age Limit: Minimum entry age is 18 years and maximum entry age is 65 years
- Tenure: Three and half months, Six and half months, Nine and half months
- Policy Options: Individual
- Waiting Period: 15 days
- Coverage: 100% of Sum Insured if diagnosis confirms the presence of COVID-19
- Tax Benefits: Get tax benefits under section 80D of the income tax Act 1961.
Reliance Corona Kavach Health Insurance Policy:
Reliance Corona Kavach policy is an affordable indemnity policy that protects you and your family against hospitalization expenses due to COVID-19. It offers individual, floater coverage and also covers the cost of home care treatment AYUSH treatment. Take a look at the features and benefits of the Reliance Corona Kavach policy.
Benefits and Eligibility Criteria:
- Sum Insured: 50k to 5 Lacs
- Age Limit: Minimum entry age is 1 day and maximum entry age is 65 years
- Tenure: Three and half months, Six and half months, Nine and half months
- Policy Options: Individual, Family Floater
- Pre-hospitalisation: 15 days
- Post-hospitalisation: 30 days
- Waiting Period: 30 days
- Coverage: 100% of Sum Insured if diagnosis confirms the presence of COVID-19
- Hospitalization Expenses: Covered
- Home Care Treatment: Covered
- AYUSH Treatment: Covered
- Tax Benefits: Get tax benefits under section 80D of the income tax Act 1961.
Reliance Group Mediclaim Insurance Policy:
Reliance Group Mediclaim health insurance policy is comprehensive health insurance that covers a group of people working in an organization. The plan looks after unexpected medical expenses and emergencies of the group members. Take a look at the features and benefits of the Reliance Group Mediclaim policy.
Benefits and Eligibility Criteria:
- Sum Insured: 50k to 1 Lacs
- Age Limit: Minimum entry age is 18 and maximum entry age is 60 years
- Group Size: Minimum 7 to Maximum 1000
- Pre-hospitalisation: 30 days
- Post-hospitalisation: 60 days
- Road Ambulance: Covered
- Pre-existing Diseases: Covered
- Hospitalization Expenses: Covered
- Day Care Procedures: Covered
- Room Rent Charges: Covered
- Maternity Benefit: Available
Reliance Health Super Top-Up Plan:
Reliance Health Super Top-Up Plan provides cover to protect you and your family. Take a look at the features and benefits of the Reliance Health Super Top-Up policy.
Benefits and Eligibility Criteria:
- Sum Insured: 5 Lacs to 130 Lacs
- Age Limit: Minimum entry age is 18 and maximum entry age is 65 years
- Policy Options: Individual, Family floater
- Tenure: 1, 2, 3 years
- Waiting Period: 30 days
- Maternity Benefit: Available
- Discounts:5% discounts on buying a policy online
- Hospitalization Expenses: Covered Up to Sum Insured
- Domiciliary Hospitalization: Covered Up to Sum Insured
- Ambulance Cover: Rs. 3500 per hospitalization
- AYUSH Treatment: Covered
- Donor Expenses: Covered
Reliance Hospi Care Insurance Policy:
Reliance Hospi Care Insurance Policy provides cover to protect you and your family. Take a look at the features and benefits of the Reliance Hospi Care Insurance Policy.
Benefits and Eligibility Criteria:
- Sum Insured: 5 Lacs to 10 Lacs
- Age Limit: Minimum entry age is 18 and maximum entry age is 65 years
- Policy Options: Individual
- Tenure: 1, 2, 3 years
- Waiting Period: 90 days
- Maternity Benefit: Available
- Discounts: 10% discounts on buying a policy online
- Surgical Procedure Cash: Covered Up to Sum Insured
- Hospitalization Expenses: Covered Up to Sum Insured
- Daily Cash: Up to 15 days
- Hospital Daily Cash: 60 days
How to Buy Reliance Health Insurance Policy from PolicyBachat?
Buy Reliance Health Insurance online at PolicyBachat. Compare Health Insurance Quotes to get the best Health Insurance plan. The following steps are used to get Instant Quotes for Reliance Health Insurance Policy.
- Visit the Policybachat Website and Select the ‘Health’ tab.
- Select your ‘Gender’.
- Select ‘Who do you want to insure’ and their ‘Age’.
- Enter your ‘Pin code’.
- Enter your ‘Name’.
- Enter your ‘Email Address.
- Then click on ‘Start Saving Money’.
- Premium Quotes of top health insurance plans will be displayed as per data entered by you and which are suits your requirement.
- You can edit policy details, sum insured value, policy term and you can choose your preferred brand
- Purchase best health insurance policy using online payment
- If any queries are raised call: 1800-123-4003.
Reliance Health Insurance Claim Process
Reliance Health Insurance Cashless Claim Process:
The following steps are to get a cashless claim with Reliance Health Insurance:
Step 1: Intimation
In case of planned hospitalization, inform about your admission to the hospital 2 days in advance by calling 1800 3009. In case of emergency, intimate the insurer within 24 hours of hospitalization by calling the same number.
Step 2: Pre-Authorisation Request
Show your Reliance Health Insurance health card and valid photo ID at the insurance department or TPA desk of the hospital. Get the ‘Claim Request Form’ from them. Fill the cashless hospitalization request form and submit it.
Step 3: Documents Verification
Reliance Health Insurance claim settlement team will examine the information and documents provided to them. If need any other document, they may contact the network hospital to get that.
Step 4: Claim Settlement
If the claim request gets approved, the insurance company will inform the hospital and you and your bills will be paid off after considering any co-payments, inadmissible expenses, or deductions.
Reliance Health Insurance reimbursement Claim Process:
The following steps are to get a reimbursement claim with Reliance Health Insurance:
Step 1: Intimation
In case of planned hospitalization, inform about your admission to the hospital 2 days in advance by calling 1800 3009. In case of emergency, intimate the insurer within 24 hours of hospitalization by calling the same number.
Step 2: Avail Medical Treatment
Avail medical treatment at the hospital and make the payment for hospital bills. Collect all the medical bills, test reports, discharge summary, and other relevant documents while getting discharged from the hospital to share with the insurance provider.
Step 3: Submit Claim Documents
Get the health insurance claim request form from the Reliance Health Insurance website Duly fill and sign the form along with the required medical documents and send it to the corporate office or at the nearest branch of Reliance Health Insurance within 30 days of discharge from the hospital.
Documents required for Reliance Health Insurance Reimbursement Claim
- Duly filled and signed claim form
- Doctor’s referral letter advising hospitalization
- Doctor’s prescription
- Original bills, receipts, and discharge card
- Original bills from pharmacies or chemists
- Original pathological or diagnostic test reports, and payment receipts
- Ambulance receipt and bill
- First Information Report or Policy Final Report, if need
- Post Mortem Report, if need
- Final hospital bill and payment receipt
Step 4: Documents Verification
Reliance Health Insurance claim settlement team will examine the information and documents provided to them. If need any other documents, they may contact you.
Step 5: Claim Settlement
If the claim request gets approved, the insurance company will inform you and your bills will be paid off after considering any co-payments, inadmissible expense, or deductions.
Reliance Health Insurance Renewal Process
Here are the simple steps to renew a health insurance policy offered by Reliance Health Insurance:
- Step 1: Visit the official website of Reliance General Insurance
- Step 2: Click on Renew tab, Click on Renew Health Insurance, enter the policy number of 16 or 18 digits or enter your 10 digits mobile number and click on the ‘Pay Renewal Premium’ button
- Step 3: Go through the details of health insurance plans and the premium amount for renewal is displayed on the screen
- Step 4: Pay for the amount of health insurance policy online through credit/ debit card, net banking, and other payment modes as per your requirement.
Exclusions under Reliance Health Insurance
Below are the exclusions of reliance on health insurance plans
- Self-infected injuries
- Injuries due to influence of alcohol or drugs
- HIV/AIDs
- Congenital Diseases
- Dental Treatment or Surgery
- Cosmetic or aesthetic treatment
- Non-Allopathic Treatment
- Maternity or Fertility related conditions
- Unproven Treatments
- Some specific illnesses or surgeries