• Lump sum payment that allows you to plan your treatment as required
• Critical illness policy in India for an individual above 18 years of age
• Critical illness Policy period for one year and three years 

What ​we cover

Reliance Critical Illness Policy, you will receive a lump sum pay out on your claim, if you're diagnosed with any of the following critical illnesses or if you have to undergo any of the mentioned surgeries. In terms of the sum insured, you may choose any option between Rs. 5 lakh, Rs. 7 lakh or Rs. 10 lakh.

Category I

The payment of claim under this Category shall be subject to survival of the Insured Person for more than 30 days post diagnosis, occurrence or undergoing of Insured Event covered under this Category.

• Cancer of specified severity​​​​​
• Major Organ / Bone Marrow Transplant
• Multiple Sclerosis with Persisting Symptoms
• Third Degree Burns
• Aorta Graft Surgery

Category II

The payment of claim under this Category shall be subject to survival of the Insured Person for more than 60 days post diagnosis, occurrence or undergoing of Insured Event covered under this Category.

• Open Heart Replacement or Repair of Valves
• Coma of Specified Severity
• Quadriplegia / Permanent Paralysis of all four limbs
• Total Blindness
• Kidney Failure Requiring Regular Dialysis

What we don't cover​

Critical illness or its fallouts can be quite complex, so it's difficult to cover every situation. Here are a few things that your Critical Illness policy won't cover!

• ​All diseases, illnesses, injuries which are pre-existing when the cover incepts for the first time under this policy
• Critical illness contracted or evidenced through signs and symptoms within 3 months of the inception date of this policy (This exclusion doesn't apply for subsequent renewals with the company without a break)
• Certification/diagnosis by a family member, person not registered as Medical Practitioner or any diagnosis that is not scientifically recognized
• Any critical illness arising out of any congenital Illness or condition or disorder whether internal or external
• Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof
• Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse
• Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery/complications/ illness arising as a consequence thereof
• Critical illness acquired as a consequence of Human Immuno-deficiency
• Virus (HIV) infection
• Critical illness arising due to intentional self-injury, suicide or attempted suicide
• War, Terrorism induced Critical Illness/Surgery or caused by nuclear weapons​