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Types of Health Insurance Plans


Why Choose Reliance​​​ General Insurance?

The world that we live in today is full of uncertai​nties. Anything can happen to anyone, at any point of time. Hence it is highly recommended to insure you and your family's health with a comprehens​ive health insurance plan. Reliance General Insurance ascertains you get the required financial support when you need it the most.

​Tax Benefits
U/s 80D
Discounts ​​​
Bonus Benefits

Health Insurance is an Investment for Your Future

If you are young, healthy and hearty, then buying a health insurance can prove to be really easy for your pockets. You get a lot of benefits including a long coverage period, low premiums, a higher sum assured and much more. Generally, an individual's age and health condition are the deciding factors for the calculation of health insurance premium. "The younger and healthier the applicant, the lower is the premium amount." Surely, there are numerous reasons which prove that buying a health insurance plan at a younger age is a smart decision.


Here are some obvious reasons that can push you to buy a health insurance policy-

Low Premium-

The premium of a health insurance plan is much lower when you are young. Let's understand this with an example- At the age of 25, you can have a cover of Rs. 3 lacs at a premium of just Rs. 5,546. As time passes by, our immune system weakens, and we might need a cover of a greater sum insured. If you buy a cover of Rs. 9 lacs at the age of 50, then the premium amount gets almost tripled i.e. Rs. 14,856. Hence it is advised to buy a health insurance policy at a young age.

Higher Chances of Policy Issuance-

In India, if you have any medical history, it's difficult to get a health insurance policy. In case an applicant gets diagnosed with life threatening diseases such as cancer or heart ailments then the health insurance company can reject his application or can charge higher rates of premium. However, for a person of young agethere are least chances of an application getting rejected, as they are less prone to such diseases.

Tax Benefits-

Health insurance is one of the best ways to save tax under Section 80D of the Income Tax Act, 1961. You can avail tax benefits for a longer period if you buy a health insurance plan at a young age.


If you buy a health insurance policy at a young age, it's likely that you will get the best deal and your policy will be approved without any problem. The basic hospitalization costs have seen a spike of more than 10% in a decade. Hence, it makes sense to stay safe with a sound insurance plan.

No Waiting Period-

If you invest in health insurance at a younger age, when you're still hale and hearty, then the waiting period wouldn't hurt so much and you will be in a better position to make claims without any conditions stipulated by the insurer.

Bonus Offered-

If a policyholder doesn't raise a claim in the previous year of his policy term, then he/she gets a no claim bonus from the insurer as a reward. Buying a health insurance policy at an early age can get you a cumulative bonus discount, because most likely a young policyholder will renew his policy every year.

Availability of Better and Wider Options-

At a young age you can select the best health insurance plan from the wider and better available options. There's also a chance you can get a benefit of lifetime renewal at a young age.​

Importance of Health Insurance in India

With the exponential upsurge in health care costs, it has become imperative for everyone to look for health insurance plans and be covered under a good health insurance policy. A health insurance policy safeguards you and your family against the risk of a sudden hospitalisation and all the related expenses. It is the only way by which you can escape the financial burden of an uninvited surgery or illness.

As one of the leading Health Insurance companies in India, Reliance General Insurance understands these concerns and offers excellent benefits with its individual health insurance plans as well as family floater medical insurance plans. Safeguard your entire family's health by purchasing our family floater mediclaim policy named Reliance HealthGain policy. In case your policy has expired, you can renew your Health Insurance policy in a matter of minutes. Buy a mediclaim policy for your entire family to keep the risk of a financial tragedy at bay.

In addition, to get the most affordable health insurance plan, ensure you compare policies that suit your needs as well as your budget. Hence, stay ahead of all the healthcare expenses by purchasing Reliance Health Insurance policy now! Additionally, we also offer Personal Accident Insurance which takes care of your family in case of your accidental death or disablement.

Overview of the Health Care Industry in India​

​​​​Compare our health insurance plans and choose the one that suits your needs-


HealthGain Insurance (Reliance HealthGain Policy)-

This is a medical insurance policy that covers pre and post-hospitalisation coverage, day care procedure, donor expenses, OPD charges, consultations, tests, and other such expenses that can put you in a financial crisis. Apart from these benefits there are several other benefits that you can extract out of this medical insurance policy.

Buy HealthGain Insurance Online now! ​

​​​Health Insurance on EMI (Reliance HealthGain Policy)-

A comprehensive health insurance policy that is available in 4 easy instalments. Under this policy the base sum insured is reinstated in case you've exhausted the total sum insured on your medical treatment.

Buy Health Insurance on EMI Online now!

Personal Accident Insurance-

This policy safeguards your family's financial security in an hour of need. Death, permanent total disability, temporary total disability, broken bones, and ambulance costs are covered under this policy. You can also extend a personal accident insurance plan to include your entire family under a single policy.

Buy Personal Accident Insurance Online Now!

HealthWise Insurance (Reliance HealthWise Policy)-

An affordable and comprehensive health insurance policy which lets you take care of the most important aspect of your life - your health! This policy offerscomplete hospitalization cover inclusive of doctor's fees, nursing expenses, OT charges, medicines and drugs, anaesthesia and oxygen administration expenses, surgical appliances, pacemaker and radiotherapy. The best part about this policy is that it even covers critical illnesses, making it one of the best policies available in the market.

Buy HealthWise Insurance Online now!

​Critical Illness Insurance (Reliance Critical Illness Policy)-

This policy acts as a financial cushion that helps you tide over medical exigencies that incur while treating a critical illness. The lump sum amount paid enables you to take care of hefty medical bills as well as the daily expenses. This critical illness policy covers 10 life-threatening and lifestyle-disabling diseases.

Buy Critical Illness Insurance Online Now!

Why Buy Health Insurance Online?

The number of internet users in India is growing with every passing year. People are comfortable with buying different types of products online which even include health insurance policies. Taking the current scenario in account, customers can easily find the perfect health insurance policy that suits their needs and solves their purpose.

Are you still confused about buying a health insurance policy online? Still unsure about the online buying process? Well, don't be! Listed below are a few advantages of going the digital way-

  1. Filling the healt​h insurance quote form yourself
  2. No need to pay commission to an agent
  3. Policies available from all major insurance companies
  4. Abundance of choice
  5. Comparing different plans and premiums available
  6. Convenience of shopping
  7. Ease of transaction
  8. Optimum Security
  9. Absence of agents and middle men
  10. High claim settlement ratio
  11. Clear and transparent terms and conditions

We also provide variety of options to choose from such as a family floater mediclaim policy, individual health insurance plan s, cashless health insurancesenior citizen health insurance  and sum insured of 3 lacs, 6 lacs& 9 lacs available.

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Critical Illness

Critical Illness

  • Coverage for 10 major critical illness / surgeries​
  • No medical check-up required - upto 45 years of age
  • Quick and easy claim process​​

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