Health Gain Insurance Policy

What we offer in this discount-

 

*Maximum discounts capping up to 15%

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#Discount applicable for existing Reliance Private Car Package Policy users.

^​not applicable on family floater

​Top Factors That Affect Yo​ur Health Insurance Premium​

1. Age: As mentioned earlier, the younger you are the less you have to pay to get yourself covered.
   
   
2. Medical history: In case you have any pre-existing disease, your premium might increase or the insurer might not cover some particular disease in the policy.
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3. Body Mass Index: A high BMI may cause a surge in the premium amount. As high BMI is an indicative of obesity-related ailments like high blood pressure, heart attack, etc. 

This health insurance ​policy is a perfect foil for any unseen problems you might face during your treatment. Here's a quick look at what your policy covers.

​Hospitalisation expenses in case of:

• In-patient treatm​ent for covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours.
• ​Day-care treatment for surgeries /procedures, where the insured person requires less than 24 hours of hospitalisation due to advanced technology. For the list of Day care treatment. (Please refer to Annexure -I of the policy wordings)

Pre-hospitalisation coverage for:

Medical expenses incurred before hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Post-hospitalisation coverage for:

Medical expenses incurred after hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Domestic Road Ambulance:​​

Expenses for domestic-road ambulance services to the nearest hospital in case of life threatening emergencies. Under Plan A, your medical insurance policy would pay upto Rs 1,500 and upto Rs 3,000 under Plan B. (For more details on this mediclaim policy, please refer to the policy wordings)

​Donor expenses:

These are expenses incurred by the organ donor. We will cover up to 50% of the base sum insured, subject to a maximum of Rs. 5 lakh/- (For more details on this mediclaim policy, please refer to the policy wordings

Domiciliary hospitalisation:

• Sometimes it is not possible to move the patient to a hospital because of their condition or lack of accommodation at the hospital. In such cases, the patient can be treated at home. This is called domiciliary hospitalisation.
• Medical expenses for such cases will be covered if the treatment continues for a minimum of three days.

(For more details on this mediclaim policy, please refer to the policy wordings)

Re-instatement of base sum insured:

If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, we will refill the full Sum Insured at no extra cost. (Please refer to Annexure -II of the policy wordings of this mediclaim policy)

Cumulative bonus:

• This is a bonus awarded at the end of each claim free policy period. When you do make a claim in any given mediclaim policy period.
• If you don’t make any claims on your policy for a year, you earn a cumulative bonus of 33.33% on your base sum insured, at no extra cost. However, the cumulative bonus can be accumulated equal to the amount of base sum insured. 
  
• When you do make a claim in any given policy period, the bonus earned shall be decreased by 33.33% of the base sum insured, in the subsequent year. However, this will not reduce the initial base sum insured of your health insurance plan & your maximum reduction of cumulative bonus would be zero.

Call Option:

• If you do not make any claim on your policy for 4 consecutive years, then by end of the 4th year your cumulative bonus will be equal to your base sum insured. In the 5th year, you can choose the “Call Option” to double your sum insured by adding this earned cumulative bonus.
• Thereafter, you can accumulate the cumulative bonus again.

Please note that you can choose the Call Option only twice in your lifetime. (For more details, please refer to the policy wordings)

Claim service guarantee:

• Cashless health insurance claims: If we’re unable to respond within 6 business hours, even after you have completed claim request with correct documentation and information, we will be liable to pay 1% of the claim amount to you, subject to a maximum liability of 6%.
• Reimbursement of Claims: Similarly, if we’re unable to respond within 21 days, even after you have completed your claim request with correct documentation and information, we will be liable to pay 1% of the claim amount to you, subject to a maximum liability of 6%.

(For more details, please refer to the policy wordings​)

Policy service guarantee:

• If, even after receiving all completed documents (including Medical reports, as applicable and premium), there is a delay of more than 10 working days from us in issuing your policy issuance, we will pay you onetime additional sum insured of Rs 10,000/- under Plan A and Rs 20,000/- under Plan B.
• This will be applicable only for 1 year Policy Period and not for renewals/ auto-renewals.
  

Accidental death cover for no claim renewal:

• Under Plan B, we will provide you an accidental death cover of Rs. 1 Lakh/- at the end of every claim-free policy year with our Company.
• This cover will be valid for only one year.
• This is applicable only if the policy holder is also the insured person in the policy.

Health Insurance Renewal:​

• You can renew your medical insurance policy for free, under Plan B, if the person insured in the policy is diagnosed with a 'named critical illness
• This benefit is provided once in the lifetime.
• This is applicable only if the policy holder is also the insured person in the policy.

(Named critical illness can be referred in the policy wordings​)​

​​​ W​ellness Solutions:

Awes​ome discounts on various, value-added wellness services and choice of various online solutions through our wellness program.​​​​ ​