Reliance Health Insurance

The following are some of the different types of health insurance plans offered by Reliance General Insurance

1. Individual Plans: An individual health insurance plan is specially designed to cover the medical expenses starting from basic hospitalisation expenses to comprehensive coverage, including ambulance charges, health check-ups, pre- and post-hospitalisation expenses, doctor fees, and others. The premium of these types of plans depends on the age, health condition and other factors of the individual.
2. Family Floater Plans: Under a single policy, a family floater health insurance plan offers coverage to an entire family. The plan also covers the extended family members including the father-in-law and mother-in-law that covers the pre- and post-hospitalisation expenses, the hospitalisation expenses, and other medical expenses.

1. Senior Citizen Plans: This type of insurance plan provides financial aid to the individual who is 60 years of age or above and covers the pre- and post-hospitalisation expenses, hospitalisation bills, and other medical costs. The premium of such plans is higher than usual health insurance plans as high risk is involved with senior citizens.
2. Critical Illness Insurance Plans: Illnesses such as heart attack, total blindness, and kidney failure, are covered under Critical Illness Insurance plans. These plans offer financial aid in lump sum for treatment expenses, income loss, and other expenses associated with the illness. 
3. Personal Accident Insurance Plans: This insurance plan helps to deal with the financial emergency caused due to death or disablement resulted due to accident and covers accidental death, permanent disability, and permanent partial disability. It also covers the education of two children in case of death of the policyholder and the premium amount depends on the age, coverage opted, and occupation.

List of Reliance Health Insurance Plans

The following is the list of health insurance plans under Reliance Health Insurance

1. Reliance Health Infinity Insurance
2. Reliance Health Gain Insurance
3. Reliance Super Top-Up Health Insurance
4. Reliance Health Global Insurance
5. Reliance Specially Abled Health Insurance
6. Reliance Hospi Care Insurance
7. Reliance Critical Illness Insurance
8. Reliance Saral Suraksha Bima

1. Reliance Personal Accident Insurance
2. Reliance Arogya Sanjeevani Policy
3. Reliance GroupMediclaim Policy
4. Wellness

What is Covered?

The following is the list of coverage provided under Reliance Health Insurance

1. Pre- and Post-hospitalisation: The insurance covers pre hospitalisation expenses that include diagnostic tests and medicines, and also includes the post-hospialisation costs which are any requirement for an ambulance and others.
2. Daycare procedure: The policy also covers the surgeries and other procedures recommended by the doctor along with daycare medical treatment or procedures. 
3. Injury and illness cover: The policy also covers hospitalisation cost dus to any injury or illness during the policy term.
4. Hospitalisation cover: The plan covers the hospitalisation cost if the policyholder of admitted for more than 24 hours.

What is not Covered?

The following are not included under Reliance Health Insurance:

1. Expenses related to gender change
2. Cosmetic or plastic surgery unless it is due to any kind of injury or illness
3. Cost related to breaching of law
4. Expenses related to refractive error in vision
5. Treatment cost due to illness caused due to intake of alcohol, drug, or other additive substances
6. Unproven treatment cost
7. Cost of treatment abroad
8. Cost of treatment for health issues caused due to war or similar situations

1. Injury caused due to adventure sports
2. Expenses related to treatment for obesity or weight control
3. Treatment cost of health issue diagnosed within 30 days of purchase of health insurance plan

Reliance Health Insurance Premium Calculation

The following are the steps to calculate the premium for Reliance Health Insurance plans

1. Select the city where you wish to opt the medical treatment
2. Select the insured, such as

1. Self
2. Self and spouse
3. Senior citizens
4. Parents
5. Self, spouse, and one child
6. Self, spouse and two children

1. Select the age of the eldest member
2. Select the amount to be covered

How to Apply for Reliance Health Insurance Online?

The following are the steps to apply for Reliance Health Insurance online

1. To apply for Reliance Health Insurance online, visit the official website of Reliance General Insurance
2. Fill in the form by clicking on ‘Health’ tab
3. To check the prices, click on ‘Check our Prices’ 

1. Check the premium details of the plan
2. Make the payment online after clicking on ‘Continue to Buy’
3. After completing the entire process, the policy document will be sent to the registered email address

Reliance Health Insurance Policy Renewal Process

The following are the steps to renew Reliance Health Insurance claim

1. To renew the health insurance policy, visit the official website of the insurance company
2. On the ‘Renew’ option, click on ‘Renew Health Insurance’ option
3. Enter the registered mobile number
4. Enter the OTP (One Time Password) received on the mobile number
5. On the user dashboard, check the policy details and make necessary changes if required, such as benefits, policy term, and amount covered
6. Select the payment mode and click on ‘Payment’ option
7. After completing the process, you will receive the confirmation via email

Reliance Health Insurance Claim Process

The following are the steps to apply for Reliance Health Insurance claim

1. Cashless Claim

The following are the steps for cashless claim processing

1. Inform the company about your hospitalization
2. At the TPA hospital desk, submit the authorisation form along with the copies of health card and photo identification
3. For approval of the treatment, hospital will contact the insurance company
4. Treatment bills will be cleared by the company once the everything is settled

1. Reimbursement Claim

The following are the steps for reimbursement claim processing

1. Inform the insurance provider about your hospitalisation as early as possible
2. Make the payment and collect all the required documents regarding treatment from the hospital
3. To get reimbursement, you need to submit the original documents received from the hospital within 15 days of post-hospitalisation
4. The payment will be transferred after receiving approval which will be done after verifying the claim request

Eligibility Criteria to Apply for Reliance Health Insurance

The following is the list of eligibility criteria to apply for Reliance Health Insurance

1. Minimum age to apply for the insurance plan ranges between three months to 18 years
2. Maximum entry age is 65 years
3. Waiting period is 15 days, 30 days, and 90 days, and for some policies there is even no waiting period

Documents Required to Apply for Reliance Health Insurance

The following is the list of documents required to apply for Reliance Health Insurance

1. If needed medical reports
2. Proof of identification

1. Aadhaar Card
2. Voter ID card
3. Passport
4. PAN Card/Form 60, which is mandatory
5. Driving License

Proof of age of the applicant

1. Aadhar card
2. Passport
3. Driving license
4. Birth certificate
5. Voter ID card
   

What are the Benefits of Reliance Health Insurance?

The following is the list of key benefits of Reliance Health Insurnace:

1. The plan offers cashless claim settlement in just 24 hours
2. Offers high sum insured value which is up to Rs.5 crore
3. The maximum and minimum entry age for Reliance Health Insurance policy is 65 years and three months, respectively
4. Customers can avail high quality treatment facility at more than 9100 network hospitals
5. Covers wide range of medical expenses such as ambulance, accidents, and many more
6. The claim settlement ration of the insurance is 98.65%
7. Does not require any medical test if insurance is purchased at an early age
8. No-claim bonus can be availed for claim-free year if applied at an early age
9. Enables to avoid waiting period through continuous cover with renewal if purchased at an early age
10. Co-payment is not required and hence, no medical bills needed

Reliance Health Insurance Toll Free Number

The customer service of Reliance Health Insurance operates 24 x 7 and resolves all customer queries related to policy. Here are the contact details of Reliance Health Insurance:

1. Contact Number: +91 22 48903009
2. WhatsApp Number: +91 7400422200
3. Email Address: rgicl.services@relianceada.com