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Reliance Health Insurance Plans Overview

Reliance health insurance offers 4 health insurance plans. The premium of these plans starts from Rs. 888/yr. The sum insured ranges from Rs. 1 Lakh - 1 Cr. Details of the comprehensive coverage provided by the following 4 Reliance health insurance plans are 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

NA

Coverage

5 Lakh - 10 Lakh

NCB

5% increase in cover;max upto 50%

Reliance Health Gain Plan

Starting Premium- ₹ 3,428/yr

Reliance’s HealthGain is an indemnity health insurance plan which covers the actual cost of hospitalisation

The salient features of the plan include the following

  1. The plan can be taken by individuals and also by families
  2. There are two plan variants – A and B
  3. There is a premium discount of 5% if the plan is bought by a single independent women and also if the plan covers a girl child
  4. There is an inbuilt critical illness cover under plan B. If you are diagnosed with any of the covered illnesses during the policy tenure, the policy tenure extends by a year without you having to pay any premiums
  5. If you are an existing customer of the company who has bought a car insurance policy, you can enjoy a 5% additional premium discount
  6. If an individual policy is taken and you choose to add family members, you can get a premium discount of 5% to 10%
  7. The sum insured under the policy gets doubled if there are no claims in four successive policy years
  8. Extended family can also be covered under the family floater variant of the plan
  9. The plan can be bought by paying the premiums in four affordable EMIs
  10. The company offers a policy service guarantee. If there is a delay in policy issuance, an additional sum insured of INR 10,000 in Plan A and INR 20,000 in Plan B is promised without additional premium
  11. The policy can be taken for 1 or 2 years

Eligible Age

91 days - 65 years

PED Waiting Period

3 years

Coverage

3 Lakh - 1 Cr

NCB

33.33% increase in cover;max upto 100%

Reliance HealthWise Plan Standard

Starting Premium- ₹ 4,718/yr

Reliance’s HealthWise Plan is also an indemnity oriented health insurance plan which covers the cost of hospitalisation.

The salient features of the plan include the following

  1. The plan comes in three variants of Gold, Silver and Standard
  2. There is an inbuilt critical illness benefit under the Gold Plan which pays a lump sum benefit if the insured is diagnosed with any of the covered critical illnesses during the term of the policy
  3. There are no sub-limits on room rent and a single private room is allowed for inpatient hospitalisation
  4. 7% premium discount is allowed for covering two girl children under the plan. If one daughter is covered, the discount allowed is 4%
  5. 5% premium discount is allowed every year if you do not make a claim in the previous policy year
  6. The maximum no claim discount which you can avail is up to 20%

Eligible Age

91 days - 65 years

PED Waiting Period

2 years

Coverage

1 Lakh - 5 Lakh

NCB

5% increase in cover;max upto 20%

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FAQs

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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