Health Surrogate & Oocyte Donor

Reliance Health Surrogate and Oocyte Donor Rider has been designed to cover the insured in case they choose to go in for options like Surrogacy or Oocyte Donors due to medical complications or infertility issues that stops them from conceiving naturally. This Rider policy can be bought by any couple who already has an existing Reliance Health Indemnity Base Policy

• Cashless Hospitalisation Across PAN India
• Hospitalisation Expenses covered
• Modern Treatment covered within SI
• Quick Hassle-Free Claim Settlement

Take a detailed look at the key features

​​​Key Features​	​​​Basic Benefits​
​Sum Insured (in ₹)	5 Lakhs, 10 Lakhs​
Hospitalisation Expenses​	​Hospitalisation expenses for a minimum period of 24 consecutive hours only shall be admissible. Time limit of 24 hrs shall not apply when the treatment is undergone in a Day Care Centre.
​AYUSH	Expenses incurred for Inpatient Care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines shall be covered upto sum insured, during each Policy year as specified in the policy schedule.​
Pre-Hospitalisation​	For 30 days prior to the date of hospitalisation​
​Post Hospitalisation	For 60 days from the date of discharge from the hospital​
​Sublimit for room/doctor's fee	​1) Room Rent, Boarding, Nursing Expenses all inclusive as provided by the Hospital/ Nursing Home up to 2% of the sum insured subject to maximum of Rs.5000/- per day. 2) Intensive Care Unit (ICU) charges/ Intensive Cardiac Care Unit (ICCU) charges all-inclusive as provided by the Hospital/ Nursing Home up to 5% of the sum insured subject to maximum of Rs. 10,000/-, per day
​Cataract Treatment	​Up to 25% of Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year.
Modern Treatment​	​Up to 50% of SI, Within S.I
Cumulative bonus​	Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.​

Eligibility Criteria for Reliance Health Surrogate and Oocyte Donor Rider

​ ​​​Details​	​​​Criteria​
Entry Age​	23 years to 37 years​
Coverage​	​Individual Policy
Policy Tenure​	​1 year for Oocyte Donor 3 years for Surrogate
​Eligibility and Application requirements	Female gestational Surrogate or Oocyte donor​

Waiting Period of Reliance Health Surrogate and Oocyte Donor Rider

Details​​​	​Duration
​Initial waiting period	​30 days from the start of the policy date
​Specific waiting period	24/36 months​
​Pre-existing Diseases waiting period	​36 months ​Note: This exclusion shall not apply in case of medical complications arising within 6 weeks of childbirth through Surrogacy

Take a look at the exclusions for Reliance Health Surrogate and & Oocyte Donor Rider

At Reliance General Insurance, we believe in transparency. To ensure that you do not face any unpleasant surprises while making a claim, do look at some of the major exclusions^ of the policy:

• Admission primarily for investigation & evaluation
• Admission primarily for rest Cure, rehabilitation, and respite care
• Expenses related to the surgical treatment of obesity that does not fulfil certain conditions.
• Change of Gender treatments
• Expenses for cosmetic or plastic surgery expenses related to any treatment necessitated due to participation in hazardous or adventure sports

Easy & Faster Claim Process

• Register Claim: During a medical emergency, inform the claims team regarding hospital admission. Click here to send a mail immediately and inform us about the incident or log in through the Self-i App, or call (022) 4890 3009 (Paid Number).
• Claim Process: Submit details regarding the type of treatment planned and provide all required documents to the claims team. We will start adjudicating the claim as per the policy T&C.
• Claim Approval: Get cashless treatment if you have opted for a network hospital.
• For Cashless everywhere please click here

• Register Claim: For any hospitalization, inform the claims team. Click here to send a mail immediately and inform us about the incident or log in through the Self-i App, or call (022) 4890 3009 (Paid Number).
• Claim process & payment: Submit details regarding the type of treatment planned, start the treatment and make the payment
• Reimbursement process: Submit your original scanned documents within 15 days from hospital discharge to initiate the reimbursement.​

^Following is a partial list of the policy exclusions, please refer to the policy wording for the complete list of exclusions. *T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding sale. The details mentioned here are for Reliance Health Surrogate and Oocyte Donor Rider UIN: RELHLIA25001V012425​