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Reliance Health Insurance Plans Overview

Reliance health insurance offers 1 health insurance plan. The premium of these plans starts from Rs. 888/yr. The sum insured ranges from Rs. 5 Lakh - 10 Lakh. Details of the comprehensive coverage provided by the following 1 Reliance health insurance plan is listed below:

Reliance Critical Illness Insurance Plan

Starting Premium- ₹ 888/yr

Reliance Critical Illness Insurance policy is a fixed benefit critical illness plan.The plan covers a list of specified illnesses and major treatments.If the insured is diagnosed with any of the covered illnesses or undergoes any covered treatment, the policy pays the sum insured in lump sum.The sum insured is paid irrespective of the actual medical costs incurred.The amount of benefit received can be used to pay for medical treatments or to fulfil any other financial obligations that you have

The salient features and benefits of Reliance’s Critical Illness Insurance Policy are as follows

  1. Coverage is available for 10 critical illness
  2. There is no need to undergo pre-entrance medical check-ups to buy the plan
  3. The policy can be taken for 1 years and 3 years

Coverage benefits of Reliance Critical Illness Insurance Plan

  1. Major organ transplant=Coma of specified severity
  2. Cancer=Repair or replacement of heart valve
  3. Third degree burns=Coma quadriplegia which continues for 90 days post diagnosis without recovery
  4. Multiple Sclerosis=End stage renal disease
  5. Aorta Graft Surgery =Total blindness

Eligible Age

18 years - 65 years

PED Waiting Period



5 Lakh - 10 Lakh


5% increase in cover;max upto 50%

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Yes, you can buy as many health insurance plans that you want. However, when you buy another plan, mention the details of the earlier plan as well

In the case of multiple policies, you can make your health insurance claim under any policy that you want. However, if one policy is insufficient to cover the claim and you are utilising the other policy that you have, make sure to submit all the attested copies of the medical bills and reports to the second insurance company. Inform the second company of the previous claim so that the company would accept the attested photocopies of the documents required and settle your claims based on them

Yes, many health insurance plans allow coverage for dependent parents under a family floater plan. Reliance’s HealthGain allows dependent parents to be covered. However, under HealthWise, coverage for dependent parents is not allowed. You should check the plan to see if it would allow coverage for your dependent parents under its floater variant

No, a critical illness policy covers specified critical illnesses only. Thus, you will be able to claim if you happen to suffer from any of the mentioned critical illnesses

Health insurance premiums are allowed as a deduction under Section 80D. You can claim a maximum deduction of up to INR 25,000 if you buy a policy for yourself and your family. If you are a senior citizen, the limit increases to INR 50,000. Moreover, an additional deduction can be claimed if you are buying a separate policy for your dependent parents. If you are buying a separate policy for your parents and paying the premium, you can claim an additional deduction of up to INR 25,000. If your parents are senior citizens, the limit increases to INR 50,000. So, you can claim deductions of up to INR 1 lakh if you and your parents are senior citizens and you buy separate policies for yourself and your parents.
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