Reliance General Insurance Company Limited is one of the leading private insurance companies in India with a huge customer base. Founded in the year 2000, the company is solely promoted by Indian financial services holding company Reliance Capital, a part of Reliance Anil Dhirubhai Ambani Group. With 139 offices across India and more than 28900 intermediaries, Reliance General Insurance is catering to diverse insurance needs of individuals, corporates and Small and Medium enterprises. The company offers new age, customizable insurance solutions with respect to motor, health, home, travel and various commercial insurance services.
Here are some of the important facts to note about the company:
Reliance General Insurance offers a variety of products for various customer segment. Following are the product types offered by the company:
Individual Plans
Corporate Plans
SMEs (Small and Medium Enterprises) Insurance Plans
Let’s take a look at individual insurance plans.
HealthGain is a comprehensive health plan that offers various benefits that mainly covers in-patient treatment, post and pre hospitalisation expenses, domiciliary expenses and donor expenses and various other benefits. The plan offers extensive healthcare coverage to satisfy the healthcare needs of a family and an individual.
Features of Reliance HealthGain Policy
Eligibility Criteria for Reliance HealthGain Policy
Entry age |
5 years to 65 years |
Entry and exit age for dependent children |
91 days onwards up to 4 years ( if at least one member in the floater plan is above 21 years of age) |
Renewability |
Lifelong renewals |
Co-payment |
20% if the insured is aged 61 years and above (in case of floater plan, this is applicable to all the insured members if the elder member is 61 years and above) |
Pre-entrance medical check-ups |
In plan A : medical check-up is needed if the person is of 45 years age In plan B: medical check-up is needed if the person is of 18 years age |
Pre-existing waiting period |
24 months |
Sum insured |
Plan A: INR 3 lakhs, INR 6 lakhs, INR 9 lakhs Plan B: INR 12 lakhs, INR 15 lakhs, INR 18 lakhs |
Accidents are unexpected. Reliance General Insurance provides much-needed financial protection with its personal accident policy in the event of an accident resulting in death or disability. The policy can be availed as a single or as a package plan for the family.
Features of Reliance Personal Accident Policy
Eligibility Criteria for Reliance Personal Accident Policy
Entry age |
5 years to 70 years |
Pre-entrance medical check-ups |
No medical check-ups needed |
Sum insured depends on the premium paid. Following are the scale of compensation applicable
Nature of injury |
Scale of compensation |
On death |
100% of the capital sum insured |
Loss of two limbs or sight of two eyes or one limb and sight of one eye |
100% of the capital sum insured |
Loss of one limb or sight of one eye |
50% of the capital sum insured |
Permanent total disablement from injuries other than named above |
100% of the capital sum insured |
Reliance HealthWise is a basic but comprehensive health insurance plan that comes at an affordable cost. Coverage includes in-patient care, domiciliary hospitalisation, pre and post hospitalisation, donor expenses and many other special features. The plan can be availed on both individual or on family floater basis.
Features of Reliance HealthWise Policy
Eligibility Criteria Reliance HealthWise Policy
Entry age |
21 years to 65 years |
Entry and exit age for dependent children |
3 months and 21 years |
Renewability |
Lifelong renewability |
Co-payment |
No co-payment clause |
Pre-entrance medical check-ups |
Mandatory above 45 years of age |
Pre-existing waiting period Gold plan Silver plan Standard plan |
24 months 24 months 48 months |
Sum insured |
INR 1 lakh, INR 2 lakhs, INR 3 lakhs, INR 4 lakhs and INR 5 lakhs |
Reliance critical illness plan is designed to provide financial protection in case the life-threatening medical condition is diagnosed. The policy aims to provide much needed financial aid both in the case of life-threatening and disabling diseases. A host of benefits and features are offered by the critical illness plan to provide financial aid.
Features of Reliance Critical Illness Policy
Eligibility Criteria for Reliance Critical Illness Policy
Entry age |
18 years to 65 years |
Renewability |
Lifelong renewability |
Policy term |
1 to 3 years |
Co-payment |
No co-payment clause |
Pre-entrance medical check-ups |
A medical check-up is needed for individuals above 45 years of age |
Pre-existing waiting period |
Pre-existing illnesses are not covered |
Survival period |
30 days from confirmed diagnosis of critical illness |
Sum insured |
Rs. 5 lakhs, Rs. 7 lakhs or Rs. 10 lakhs |
Reliance General Insurance offers instant, customisable motor insurance plans depending on the need. As per the Indian Motor Vehicle Act, it’s mandatory to have third-party liability insurance cover to ply any vehicle on Indian roads. However, a comprehensive plan that provides coverage to own vehicle and to the owner along with third-party cover is an ideal solution to stay completely protected. Following are the motor insurance plans offered by the company.
A comprehensive car insurance plan offered by Reliance General Insurance offers complete and optimum financial protection for the vehicle owners. The policy provides an effective solution by providing adequate cover. Following are the coverage offered by the policy:
Third-party liability cover: This cover provides financial protection to the vehicle owner against liability arising out of any injuries or property damage caused to the third party involved in a road accident.
Own damage cover: This cover provides financial protection to the insured vehicle against various man-made and natural calamities mentioned below
Personal accident cover to owner-driver: Under this, coverage of up to INR 15 lakhs is given to owner-driver in case of an injury, death or disability caused during an accident. Following are the scale in which compensation is paid.
Nature of injury |
Scale of compensation |
On death |
100% of the capital sum insured |
Loss of two limbs or sight of two eyes or one limb and sight of one eye |
100% of the capital sum insured |
Loss of one limb or sight of one eye |
50% of the capital sum insured |
Permanent total disablement from injuries other than named above |
100% of the capital sum insured |
Add-on covers for Car Insurance Plans of Reliance General:
To enhance the coverage, there is a range of add-ons offered such as nil depreciation, NCB (No Claim Bonus) protection, NCB retention, consumables cover, engine protector cover, daily allowance and key protective cover. These add-ons are optional and can be availed at an additional cost of the premium.
Apart from the comprehensive plan, individuals can avail different types of plans with only specific cover based on their needs. Following are the plans available:
A comprehensive two-wheeler insurance plan offered by Reliance General Insurance provides extensive coverage. Following are the covers offered
Third-party liability cover: This cover provides financial protection to the vehicle owner against liability arising out of any injuries or property damage caused to the third party involved in a road accident.
Own damage cover: This cover provides financial protection to the insured vehicle against various man-made and natural calamities mentioned below
Personal accident cover for owner-driver: Under this, coverage of up to INR 15 lakhs is given to owner-driver in case of an injury, death or disability caused during an accident.
Add-on cover: Policy coverage can be enhanced with various optional add-ons like nil depreciation cover, daily allowance benefit, helmet cover and EMI protection cover.
Apart from comprehensive policy, other plans are also offered with only specific coverage.
A comprehensive commercial vehicle insurance policy provides coverage for a variety of situations. Following are the covers offered
Third-party cover which protects the vehicle owner against losses arising out of death, bodily injury or property damage caused to the third party by use of the insured vehicle.
Own damage coverage for loss or damage to the insured vehicle due to
The policy also provides additional towing cover.
For a trilled and pleasant travelling experience, it’s important to secure the trip with an adequate travel insurance cover. Reliance General Insurance offers various travel insurance plans to suit every traveller’s need. Following are the plans offered by the company.
Overseas travel plan offered by Reliance General Insurance is a customisable and comprehensive plan that provides medical and non-medical covers during the overseas trip irrespective of the trip purpose.
Features of Reliance Overseas Travel Insurance Plan
Eligibility Criteria for Reliance Overseas Travel Insurance Plan
Entry age |
3 months to 60 years |
Pre-entrance medical check-ups |
Not required |
Sum insured |
USD 50,000 to USD 500,000 |
Travel insurance is a compulsory requirement for anyone travelling to Schengen countries for a maximum of 90 days. Reliance Schengen travel insurance plan provides a wide range of coverage for various situations.
Features of Reliance Schengen Travel Insurance Plan
Eligibility Criteria for Reliance Schengen Travel Insurance Plan
Entry age |
3 months to 60 years |
Pre-entrance medical check-ups |
Not required |
Sum insured |
USD 30,000 to USD 50,000 |
Reliance Student Travel Insurance Plan is specially designed for students pursuing their dreams overseas by giving them financial security during the stay.
Features of Reliance Student Travel Insurance
Eligibility Criteria for Reliance Student Travel Insurance
Entry age |
16 years to 35 years |
Pre-entrance medical check-ups |
Not required |
Sum insured |
USD 50,000 to USD 500,000 |
Reliance Asia Travel Insurance plan covers all the Asian countries and the plan is ideal for family leisure trips.
Features of Reliance Asia Travel Insurance Plan
Eligibility Criteria for Reliance Asia Travel Insurance Plan
Entry age |
3 months to 60 years |
Pre-entrance medical check-ups |
Not required |
Sum insured |
The maximum sum insured up to USD 30,000 |
Reliance Senior Citizen Travel Insurance Plan is particularly meant for elderly travellers to have a hassle-free journey. The plan basically ensures medical and non-medical situations are covered to make the family’s trip with elderly members are pleasant and memorable.
Features of Reliance Senior Citizen Travel Insurance Plan
Eligibility Criteria for Reliance Senior Citizen Travel Insurance Plan
Entry age |
61 years to 80 years |
Pre-entrance medical check-ups |
Not required |
Sum insured |
USD 50,000 to USD 500,000 |
Reliance Annual Multi-trip Insurance Plan is meant for a travel enthusiast who travels overseas frequently in a year.
Features of Reliance Annual Multi-Trip Insurance Plan
Eligibility Criteria for Reliance Annual Multi-Trip Insurance Plan
Entry age |
3 months to 60 years |
Pre-entrance medical check-ups |
Not required |
Sum insured |
Maximum up to USD 500,000 |
There are two types of home insurance coverage offered by Reliance General Insurance Company to protect the home and its contents from various perils.
Home content insurance offered by Reliance General Insurance provides the necessary coverage to protect the personal property and content that includes jewellery, furniture and electronic goods are protected against risks such as fire, burglary, theft, earthquake, flood, machinery breakdown and personal accident etc.
Home structure insurance is also offered by Reliance General Insurance which secures the home from various perils mentioned below:
Reliance General Insurance offers office package insurance policy to provide financial protection to your office premises from various perils such as dire, lightening, flood, riot/strike, dishonesty of employees and personal accident etc.
Features of Office Insurance
Let’s now learn about corporate insurance plans
Standard fire and special perils policy offered by Reliance General Insurance Company is carefully designed to meet the insurance requirements of corporates to help them protect their business from fire and related perils. The policy comes in many variants to suit the different requirements. Following are the features of fire insurance:
Features of Reliance General Fire Insurance Plan
Reliance General Insurance Company offers various types of engineering insurance policies for corporates to cover varying risks associated with working of any machinery, equipment or plant. Following are the various plans offered by the company:
Reliance General Insurance offers a comprehensive marine insurance policy that is designed to cover all losses or damage to goods being shipped.
Features of Reliance General Marine Insurance Plan
Reliance General Insurance offers various types of liability insurance for corporates to help them protect their business assets from various statutory obligations and liability exposures. Following are the plans offered by the company:
Package insurance plans offered by Reliance General Insurance offers complete protection by catering to all the insurance requirement for office. The plans offered are:
Let’s now learn about insurance plans offered for SMEs (Small and Medium Enterprises)
Reliance General Insurance offers burglary and housebreaking insurance cover specifically designed for SMEs to protect their business from perils like burglary and housebreaking. The plan keeps the property and its content safe by providing adequate coverage.
Fire insurance plan offered by Reliance General Insurance for SMEs provides cover for industrial and manufacturing risks and storage risks with various policy options and features that are customisable as per the needs of enterprises.
Package insurance offered for SMEs by Reliance General Insurance takes care of their complete insurance need and provide adequate protection.
Marine insurance plans offered by Reliance General Insurance provide all-risk cover which can be customised based on the needs of an enterprise. The policy is offered with attractive discounts and worldwide coverage.
Reliance General Insurance offers group health insurance policy to help the enterprises to take care of their employee’s healthcare needs. The plan comes with various attractive features and benefits at a reasonable cost.
You can buy Reliance General Insurance plans online or offline. The offline plans are sold either by the insurance advisors or directly from the company. All you need to do is visit the branch yourself and then purchase the same after consulting with the insurance agents or the sales managers of the company.
However, there is an online mode of buying Reliance General Insurance plans as well and that is through the company’s website. The company allows you to buy its policies online in a simple manner.
The easiest way would be to buy the best health or motor insurance plan from Turtlemint. Turtlemint is an online platform wherein you would find a wide variety of motor and health insurance options to choose from. You can compare and choose the plan as per your coverage needs and affordability. The process of buying Reliance General Health Insurance or Reliance General Motor Insurance policies online through Turtlemint is as follows –
Renewing Reliance General Insurance plans is also an easy affair. You can renew the policy online through the company’s website using the following steps –
Renewal of Reliance General Health Insurance or Reliance General Motor Insurance Policies can also be done online through Turtlemint. If you have bought the policy through Turtlemint you are an existing customer. You would have the login details with which you can log into your Turtlemint account. After you are logged in, choose the health or car or bike insurance plan which you would want to renew, click on ‘Renew’ and you would be able to check the policy details. If you want to renew without any changes, pay the renewal premium and the policy would be renewed.
The claim process for Reliance General Insurance plans is hassle-free, quick and simple. Process of claim varies for each category of product. Let’s take a look at the claim process for main categories like motor and health insurance plans.
Claims of car or two-wheeler insurance plans are settled instantly and quickly. Following are the process to follow:
Alternately, there is another way to get the claims of your motor insurance plans settled through Turtlemint. If you are an existing Turtlemint customer, you can simply call the company at 1800 266 0101 and inform it of the claim.
You can also send an email at claims@turtlemint.com to intimate the company of your car insurance claim. Once informed, Turtlemint’s claim department would work on your claims on your behalf. They would follow all the necessary steps and ensure that you get the settlement of your claims at the earliest.
Reliance General Insurance Company’s health insurance claims are settled in two ways with some easy and simple processes.
There is another way to get a settlement of your health insurance claims and it is through Turtlemint. If you have bought your health insurance policy through Turtlemint you can inform the company and the company will take the necessary steps to get your claims settled. Turtlemint has a dedicated claims department which helps customers in settlement of their claims. You can contact this department by calling 1800 266 0101 or by sending an email to claims@turtlemint.com. Once the department is informed, the team of experts would coordinate with United India and help you get your claims settled quickly.
The requirement of documents may vary depending on the nature of the claim. However, here are some of the common documents required in each category of insurance plans.
Address: Reliance General Insurance, Correspondence Unit, 2nd & 3rd Floor, Win way Building, 11/12, Block no-4, Old no – 67, South Tukoganj, Near Madhumilan Square, Indore, Madhya Pradesh, India – 452001
Toll-Free Number: 1800 3009
Paid Number: +91 22 48903009
Email: rgicl.services@relianceada.com
The premium for Reliance General Insurance plans can be paid online easily using below payment modes:
However, below modes can be used for offline premium payment method
Reliance General Insurance plans can be easily and quickly renewed online. Follow below steps to renewal:
Premiums paid on health insurance plans offered by Reliance General Insurance qualifies for tax deduction under Section 80D of the Income Tax Act, 1961. The benefit can be availed for self as well as for the family’s protection cover. Here are the details of the tax benefits offered:
Description |
The maximum premium for self, spouse and dependent children |
Maximum premium for parents (dependent/non-dependent |
Total deductions available under Section 80D |
None above 60 years age |
INR. 25,000 |
INR. 25,000 |
INR. 50,000 |
Assesse and family is below 60 years and parents are above 60 years |
INR. 25,000 |
INR. 50,000 |
INR. 75,000 |
Assesse and parents are above 60 years of age |
INR. 50,000 |
INR. 50,000 |
INR. 1,00,000 |
Insured Declared Value (IDV) is the maximum sum that is payable by the insurance company for claims which report the theft or total loss of the vehicle. It is calculated after factoring in the depreciation component. Depreciation rate depending on the age of the vehicle is mentioned below.
Vehicle age |
Percentage of depreciation |
Less than 6 months |
5% |
6 months to 1 year |
15% |
1 year to 2 years |
20% |
2 years to 3 years |
30% |
3 years to 4 years |
40% |
4 years to 5 years |
50% |
More than 5 years |
Mutually agreed rate |
Critical illness plan offered by Reliance General Insurance Company covers both life-threatening illnesses and lifestyle disabling illnesses. Following are the illnesses covered:
Category I – life-threatening illnesses
Category II – Lifestyle disabling illnesses
Co-payment is a cost-sharing method wherein the insured will bear a specified percentage of claim cost and the remaining will be settled by the insurance company.
NCB retention cover is the add-on cover offered under Reliance motor insurance plans which retains the earned no claim bonus benefits. Basically, no claim bonus earned for each claim-free year can drop down to 0% when one single claim is made in the policy year. Having this add-on retains the benefit even after the claims are made.