HealthWise Mediclaim Policy

Benefits

7% Discount
for girl child

Also covers
Critical Illness

No sub-limit
on room rent

Complementary
benefits

We know that you have heard enough about health insurance policies. Promise we won't preach! Presenting Reliance HealthWise Policy - an affordable and comprehensive policy which helps you take care of the most important aspect of your life - your health!

Select a plan that suits your need:

Benefits	Gold Plan	Silver Plan	Standard Plan
Hospitalisation	Yes	Yes	Yes
Domiciliary Hospitalisation	Yes	Yes	Yes
Day Care Treatment	Yes- As listed in Annexure 1
Pre-Hospitalisation Medical Expenses	60 days	60 days	30 days
Post-Hospitalisation Medical Expenses	90 days	90 days	60 days
Pre-Existing Disease	After 2 continuous renewals	After 2 continuous renewals	After 4 continuous renewals
Cost of Health Check-up	Yes	Yes	Yes
Critical Illness	Yes	No	No
Donor Expenses	Yes	Yes	No

Note:

We cover hospitalisation expenses for period more than 24 hours only
Domiciliary Hospitalisation is limited to 10% of sum insured, for medical expenses incurred for availing medical treatment at home which would have otherwise required hospitalisation
Reimbursement of cost of medical check-up upto 1% of average sum insured for individual policies and upto 1.25% for floater covers, once at the end of a block of four consecutive years, provided there are no claims reported under the policies by any member, during the block

Complementary Benefits:

Benefits	Gold Plan	Silver Plan	Standard Plan
Expenses on accompanying person (per day amount)	Rs.300/- per day for a maximum period of 5 days	Rs.250/- per day for a maximum period of 5 days	Rs.200/- per day for a maximum period of 5 days
Local Road Ambulance Service (maximum of)	Upto Rs.1000/-	Upto Rs.750/-	Upto Rs.500/-
Daily Hospitalisation Allowance	Rs.250 per day up to 7 days	No	No
Nursing Allowance (Per day amount)	Rs.300 per day for a maximum period of 5 days	Rs.250 per day for a maximum period of 5 days	No
Recovery Benefit^#	Yes	Yes	No

# In case an insured person is hospitalised for more than 10 days, a lump-sum of Rs.10,000/- will be paid.

Discounts for you-

one girl — 4% discount
for one daughter*

*Note:

4% discount in case 'one daughter’ is covered in a policy (either 2 adults + 1 child or 2 adults + 2 children)
7% discount in case two daughters are covered in 2 adults + 2 children policy
No-claim discount of 5% is applicable for every claim-free year. Maximum discount availed can be 20%.

What does my policy cover?

With Reliance HealthWise policy, we offer comprehensive and affordable health insurance. The Health policy provides cover for:

Hospitalisation Expenses

Complete hospitalization cover
Inclusive of doctor fees
Nursing expenses, OT charges
Medicines and drugs
Anesthesia and oxygen administration expenses
Surgical appliances, pacemaker and radiotherapy

Day-Care Treatment

Coverage for treatment where the insured person requires less than 24 hours of hospitalisation due to advanced technology
Subject to treatment or surgeries listed in the policy document

Domiciliary Hospitalization

Policy covers expenses incurred towards treatment administered at home, in case of below mentioned reasons:

Patient’s medical condition restricting him/her from being shifted to hospital
Lack of accommodation in any hospital or nursing home

Pre- and Post-Hospitalisation

We cover you for a specified number of days before and after hospitalization for the illness mentioned in your policy.

Donor Expenses

We will cover you for the expenses incurred by the donor in case of major organ transplant (available only under Gold and Silver Plans)

Value Added Covers

Under Reliance HealthWise Insurance you can avail value added covers like:
Nursing Allowance for a maximum period of five days, on recommendation of the treating Medical Practitioner
Expenses for domestic road ambulance services to the nearest hospital
Expenses of an accompanying person at the Hospital/Nursing Home for a maximum of five days
Reimbursement of cost of health check-up after four claim-free renewals

What does my policy cover?

The best way to understand your medical insurance cover is to know the exclusions of your health policy equally well. Things not covered under Reliance HealthWise Insurance are:

Any pre–existing illness for the first two years/ four years of the policy as per the plan selected
Specified illnesses for the 1st year
Specified illnesses in the case of domiciliary hospitalisation
Treatment related to HIV / AIDS
Treatment due to abuse of alcohol or intoxicants
Vaccination and inoculation
Nuclear and war perils
Naturopathy treatment

Health Wise Insurance FAQ

Benefits

What is the need for Health Insurance?

Health Insurance Policy safeguards the health from the impact of illness thereby offering financial security to the Individual / Family. A health insurance policy ensures cover for your Individual / Family against the risk of incurring medical expenses.

With the rising incidence of diseases and cost of treatment, any illness can mean substantial financial outgo for Individual / Family. Health insurance allows to plan for such events without feeling the financial burden of treatment. It also offers tax exemption on the premium paid to the Proposer under Section 80 D of the Income Tax Act. (Up to Rs.15000 for an individual or Rs.20000 for senior citizen of over 65 years of age)

Why do I need a health insurance policy when I’m covered under my employer's group policy?

Your employers will cover your medical expenses only till you are employed with them. If you switch jobs or retire or start something on your own, you will not be covered under any policy, so it’s always good to have your own health insurance – for yourself and your family.

Apart from this, a health insurance policy can also act as a supplement to your existing medical cover in case the cost of a particular medical treatment is higher than your existing cover level.

What do you mean by Pre-Existing Disease? राम मंदिर भूमि सौदा में घोटाला? ऐक्शन में योगी, देखे कागजात, अफसरों से भी मांगी रिपोर्ट

A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment within 48 months prior to 1st policy issued by Us under which the insured person was covered.

भारत के भले ही किसी कोने में आप रह रहे हों, नवभारत टाइम्स ऑनलाइन पर आपके राज्य की हर छोटी-बड़ी खबर मिलेगी। राजनीति, खेल, चुनाव, बिजनेस, सिनेमा या फिर कोई और विधा, इस प्लैटफॉर्म पर बस एक क्लिक करते ही हमेशा पाएं ताजा खबरें। उत्तर प्रदेश, बिहार

What do you understand by Sum Insured?

Sum Insured is the maximum amount of money the Insurance Company will pay to the insured in the event of claim under His / Her health insurance policy. This amount is opted by the insured at the time of buying the policy.

What do you understand by Floater Option?

Floater policy is a cover where all the family members are covered for the same Sum Insured under single health insurance plan with the payment of single premium.

The Sum Insured amount can be used by any member of the family upto the maximum limit of Sum Insured, irrespective of the number of claims. For instance, if you take a floater policy of Rs. 5 Lakh for your family, any insured / insureds under the policy can utilize the Sum Insured upto Rs.5 Lakh which is independent on the no. of claims. However, if you take a Individual health insurance policy instead of a floater, you have to define fixed amounts towards each family member and any unused Sum Insured from one family member cannot be transferred to another member, in the event of claim where the claim amount exceeds the limit of individual Sum Insured. Hence it is restrictive.

How much health insurance does one need?

You can decide the policy amount based on factors likes number of family members to be covered under the policy, the age of family members and the amount of premium you are willing to pay.

What do you mean by cashless hospitalisation?

It means a facility extended by Us to the Insured where the payments, of the costs of treatment undergone by the Insured in accordance with the Policy Terms and Conditions, are directly made to network provider by the Company to the extent pre-authorization approved.

Please refer to the glossary.

What do you mean by reimbursement claim?

This type of payment or settlement occurs when you, the insured, pays the hospital or nursing home for the treatment. Later, you can get this amount reimbursed by submitting the claim documents as specified in the policy wordins, for the covered services, to Us .

What are pre- and post-hospitalisation expenses?

Pre-hospitalisation expenses are medical expenses incurred before hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Post-hospitalisation expended are medical expenses incurred after hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

What is the maximum age for renewal under Reliance HealthWise policy?

The maximum renewable age under a Reliance HealthWise policy is up to 75 yrs.

What tax benefits can you avail by having a health insurance?

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

Is medical test mandatory for everyone? Where can the tests be conducted?

Medical test is mandatory for Individuals above 45 years. The medical tests will be done at the empaneled diagnostic centers.

Can the nominee be changed in the mid-term of the policy?

Sure, why not?
All you need to do is, give your new nominee details to the Company.

What do you mean by Date of Inception?

The Inception date is the date of the commencement of the Policy Period.

How can I add my family members to my existing policy?

You can add family members to your existing policy only when you are renewing your Individual Policy or Floater Policy subject to applicable underwriting guidelines and approval from us.

You cannot add dependants in the middle of a policy term, except in the case of a new born baby (from 91 day) or a newly married spouse. For product specific conditions have a look at the product brochures.

Can the sum insured be changed in the mid-term?

No.

What is Co-Payment?

Co-payment is a cost-sharing requirement under a health insurance policy, where the Policy Holder / insured will bear a specified percentage of the admissible costs

What is a waiting period?

A waiting period is the length of time you, the insured, will have to wait before the benefits under the health policy can be utilised.

What is the policy tenure?

A policy tenure is the period for which an insurance policy provides coverage. Under HealthGain Policy, you can enjoy the benefits of the policy for one year.

What are the benefits of the Health Card?

A health card is very convenient in times of need. Firstly, you need it to facilitate cashless transactions at hospitals. Secondly, it has all of Reliance General Insurance’s contact information, which you might need during an emergency.

How and when can I make changes in policy?

To make any changes in your policy, you will need to write a letter to Reliance General Insurance detailing the change required and submit the same at any of the branch offices, with all the required documentation.

How do I find out which Hospitals are part of a given insurance network?

Login to our website to find a list of the empanelled hospitals in our network. Alternatively, you can also call our Toll Free Line (1800 3009) or email us at rgicl.services@relianceada.com and we will help you out.

Can a misplaced policy be replaced?

In case you lose or misplace your policy document, Reliance General insurance Company can issue you the same again. For this, you would need to submit a request letter at any of the branch offices, narrating the circumstances in which the original policy was lost. On receipt of this letter, the company will provide you with a policy document for a charge of Rs 100.

How can I cancel my policy?

To cancel your policy, you would need to write to Reliance General Insurance mentioning your requirement. On receiving the letter, your premium amount will be refunded on short term basis, in case of unexpired policy period is more than 6 months, provided you have not lodged any claim in the Policy.

What is a ‘Free Look Period’?

A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, has to review the entire policy. If you disagree with any of the terms or conditions mentioned in the policy, you have the option of returning the policy by stating the reasons for the objection. Following this, you are entitled to a refund of the premium paid, provided no claim has been made under this policy (subject only to a deduction of the expenses incurred by the company on medical examination and the stamp duty charges). Please note that this facility is not applicable on renewal and portability cases.

Will the health insurance policy provide cover in case of any hospitalisation abroad?

No, the health policy will not provide cover while you are abroad. For that you can opt for our travel policies.

What are the covers under basic hospitalization?

1.   Hospitalisation Expenses
2.   Domiciliary Hospitalisation
3.   Day Care Treatment
4.   Pre-Hospitalisation
5.   Post-Hospitalisation
6.   Pre-Existing Disease
7.   Critical Illness
8.   Donor Expenses
9.   Cost of health check up

What are "Donor Expenses"?

The Company will provide the Policyholder up to 50% of Base Sum Insured as mentioned in the policy document subject to maximum of Rs 5 lakh, in following circumstances:

The organ donation is in accordance with the Transplantation of Human Organs Act, 1994 (amended) and other applicable laws and rules
The company has admitted the insured person's claim under the Policy
The organ donated is for the insured person's use.

For details, please refer to the Policy Wordings

What is "Hospitalization Expenses"?

Hospitalisation expenses are as follows. In case of:

in-patient treatment for covered illnesses or injuries, where hospitalisation takes place for more than 24 consecutive hours.
day-care treatment for surgeries or procedures requiring less than 24 hours of hospitalisation due to advanced technology. For the list of Day care treatment, please refer to Annexure -1 of the policy wordings.

What is "Domiciliary Hospitalization"?

Sometimes it happens that you should be hospitalised, but you cannot be moved to a hospital due to your condition or the hospital has no room. In such cases, you 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, please refer to the Policy Wordings.

Can one cover a family staying in different parts of the country under a single policy?

Yes, you can cover your family members under one policy even if you are staying in different parts of the country. The cashless facility is available at over 3,000 leading hospitals and nursing homes spread across India. You can avail of the facility at any of these locations in any unfortunate event.

If I am admitted in a hospital for less than a day, is the expense still covered?

The hospitalisation expenses are covered only if you have been hospitalised for a minimum period of 24 hours. However, certain day care treatments, which do not require 24 hour hospitalisation, are also covered under our Health Insurance policy.
Some of the Day care procedures are as below -

Dialysis
Chemotherapy
Radiotherapy
Lithotripsy (kidney stone removal)
Tonsillectomy
Dilatation & Curettage
Cardiac Catherization
Surgeries/procedures that require less than 24 hours hospitalisation due to advancement in technology

What are the factors than can affect your premium?

Your health insurance premium is calculated on following parameters:

Cover opted( Individual/ floater)
Sum Insured Selected
Age of senior most member
Optional covers (add-on chosen)

What happens to the premium if no claims are made against the policy?

If you have not made any claims against your policy during the year, Reliance General Insurance offers you a renewal discount of 5% of base premium on each claim free renewal. The maximum overall discount is 20% over all claim free periods.

Does a claim have to be lodged or made in a specific time frame from the time of the accident?

We recommend that you initiate the Health Insurance claim process as soon as you can. You will need to submit written proof of the claim along with the signed claim form to us within a maximum period of 60 days from the date of discharge.

What are the documents required for claim?

At the time of filing a Health Insurance claim, along with your claim form, you need to submit the following documents:

Duly completed and signed claim form, in original
Medical practitioner's referral letter advising hospitalisation
Medical practitioner's prescription advising drugs / diagnostic tests / consultation
Original bills, receipts and discharge card from the hospital / medical practitioner
Original bills from pharmacy / chemists
Original pathological / diagnostic test reports and payment receipts
Indoor/in-patient case papers
Ambulance receipt and bill
First Information Report (FIR)/ Final Police Report in Medico-Legal Cases (MLC), if applicable
Post mortem report in MLC, if applicable
Any other document as required by the company to assess the claim

Health Wise Insurance Reviews and Ratings

Average Rating:

4.5(Based on 319 ratings)

Showing 10 reviews

“Hassle free process by Reliance”
I applied for a car insurance policy via the reliance general website. After the purchase of the policy, I got an email of the policy. The response has been quick and I even get updates on my mail. Pretty cool.
Ujjwal B20 June 2017, Mumbai
“Great buying experience on Reliance General Website”
I wasn't sure about purchasing a policy online. I used to have an agent but I decided to buy a car policy independently this time. The online research took a while but it was definitely worth it. Got a great deal on this vehicle insurance policy and save a lot. Bye-Bye agent. Welcome online insurance purchase.
Anand L19 June 2017, Nellore
“Very courteous support team”
Very courteous support team. They guided me on chat while I was purchasing the motor insurance policy.
Dhan CS16 June 2017, Bengaluru
“Reliance gives a very good no claim bonus discount”
Reliance gives a very good no claim bonus discount. With the GST approaching, the car insurance premium will rise. So good time to buy insurance and they are giving a good discount on the vehicle policy. Discount + no claim bonus = lots of savings.
Uruj M15 June 2017, New Delhi
“Best car insurance company I came across”
I wanted to take the best car insurance company out there in the market as my Mercedes is really precious to me. A friend suggested reliance general to me and so after some preliminary research I purchased the policy. I even got a good no claim bonus discount. Thanks.
Roslinda B14 June 2017, Chennai
“Road side assistance service is bang on”
Taking my time out to appreciate the claim settlement team of reliance. The road side assistance service is bang on (the only company to give rsa free worth 500), the claims team was quick and helpful. The accident wasn't a major one but it definitely helped that these guys were there.
Subramaniyam P14 June 2017, Nagpur
“Reliance call centre helped me”
I ended up filling the quote form and left it. A guy called me on the same day, listened to what I wanted, gave me advice on how much coverage should I take on my car insurance policy and even helped me make the purchase.
Shankar R13 June 2017, Mumbai
“Buying policy is very easy”
Purchased their car insurance policy online. I was at work and busy. Luckily I just had to enter my car number, I got the quote quickly. Since I was only renewing my policy, just had to make the payment. Thanks.
Ghanshyam S12 June 2017, Pune
“Free Roadside assistance rocks!”
I was driving on the western express highway and a guy came from behind and crashed into my car. I was shocked and scared. Someone told me we�ll need a towing vehicle to take this car to the garage. This is when I used their road side assistance service I got with my car insurance. They handled the situation really well. After that day I recommend people to buy this policy.
Nilesh S9 June 2017, Goa
“Overall a well-rounded policy”
Overall a well-rounded policy. The price and the coverage are both competitive. I purchased this policy as I got a good discount. Had to buy before GST kicks in as the premium will rise due to higher taxes.
Nilay K8 June 2017, Alibaug

See all reviews

Policy Wording

E-mail Policy Wording .

E-mail Claim Form .

Email Address

7% Discount
for girl child

Also covers
Critical Illness

No sub-limit
on room rent

Complementary
benefits

Select a plan that suits your need:

Benefits	Gold Plan	Silver Plan	Standard Plan
Hospitalisation	Yes	Yes	Yes
Domiciliary Hospitalisation	Yes	Yes	Yes
Day Care Treatment	Yes- As listed in Annexure 1
Pre-Hospitalisation Medical Expenses	60 days	60 days	30 days
Post-Hospitalisation Medical Expenses	90 days	90 days	60 days
Pre-Existing Disease	After 2 continuous renewals	After 2 continuous renewals	After 4 continuous renewals
Cost of Health Check-up	Yes	Yes	Yes
Critical Illness	Yes	No	No
Donor Expenses	Yes	Yes	No

Note:

We cover hospitalisation expenses for period more than 24 hours only
Domiciliary Hospitalisation is limited to 10% of sum insured, for medical expenses incurred for availing medical treatment at home which would have otherwise required hospitalisation
Reimbursement of cost of medical check-up upto 1% of average sum insured for individual policies and upto 1.25% for floater covers, once at the end of a block of four consecutive years, provided there are no claims reported under the policies by any member, during the block

Complementary Benefits:

Benefits	Gold Plan	Silver Plan	Standard Plan
Expenses on accompanying person (per day amount)	Rs.300/- per day for a maximum period of 5 days	Rs.250/- per day for a maximum period of 5 days	Rs.200/- per day for a maximum period of 5 days
Local Road Ambulance Service (maximum of)	Upto Rs.1000/-	Upto Rs.750/-	Upto Rs.500/-
Daily Hospitalisation Allowance	Rs.250 per day up to 7 days	No	No
Nursing Allowance (Per day amount)	Rs.300 per day for a maximum period of 5 days	Rs.250 per day for a maximum period of 5 days	No
Recovery Benefit^#	Yes	Yes	No

# In case an insured person is hospitalised for more than 10 days, a lump-sum of Rs.10,000/- will be paid.

Discounts for you-

*Note:

4% discount in case 'one daughter’ is covered in a policy (either 2 adults + 1 child or 2 adults + 2 children)
7% discount in case two daughters are covered in 2 adults + 2 children policy
No-claim discount of 5% is applicable for every claim-free year. Maximum discount availed can be 20%.

Sum Insured	`
Policy Start Date
Premium	`
Total Tax	`

Gold Premium Preferred Plan Sum Assured
Silver Premium Sum Assured
Standard Premium Sum Assured

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Customer Reviews

Average Rating:

Ujjwal B

Anand L

HealthWise Mediclaim Policy

Benefits

Discounts for you- ​

What does my policy cover?

What does my policy cover?

Health Wise Insurance FAQ

Benefits

Health Wise Insurance Reviews and Ratings

Average Rating:

Discounts for you- ​

Discounts for you-

Discounts for you-