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Hospi Care Insurance



What is Reliance Hospi Care Policy?

Reliance Hospi Care Policy is fixed benefit hospitalisation cash that provides you and your family members a lump sum payout for 150+ listed surgeries and 140+ day care procedures that are conducted due to illness or accident

Reliance Hospi Care Policy coverage and benefits

Hospi Care policy can be availed whether you already have other health insurance plans or not. Despite covering over 150 surgeries and 140 day care procedures, its premiums are quite affordable (starting from INR 1669* excluding taxes for a sum insured of INR 1 lakh at the age of 18), and the hospital cash plan comes with the option of lifelong renewal. The icing on the cake is that by buying this hospital cash policy, you can also avail tax benefits under Section 80D of the income tax act. , Here is a quick look at its biggest benefits that make it a must-have policy:

  • Surgical Procedure Cash: During the policy tenure, if the insured person has to undergo a surgery due to an illness or accident, he/she will get up to 100%* sum insured (depending on the surgical procedure). You will get full amount in case of surgeries like CABG (Coronary Artery Bypass Grafting), heart or lung transplant, cholecystectomy (gall bladder removal), and bone marrow transplant. In case of total knee replacement, the sum insured is 40%. 

  • Hospital Daily Cash: You will get hospital daily cash allowance of maximum up to ₹4000* per day for a maximum of 60 days. If you are admitted to the ICU, you will get double the amount of allowance. If the hospitalisation period is less than 7 days, 1 day's allowance is deductible. 

  • Day Care Treatment Cash: Up to maximum of ₹50000* lumpsum is paid for certain day care procedures, irrespective of the actual cost of treatment.  

  • Other Surgeries Cash: If a particular surgery is not listed, you can still avail maximum up to ₹20,000*as part of 'other surgeries cash' benefit, regardless of the actual cost of treatment.

  • Hospitalisation due to dengue: A lump sum amount of ₹20,000 is paid for hospitalisation due to dengue, malaria or chikungunya, if the patient remains in hospital for more than three days.

Disclaimer - *Benefit would be basis the Sum Insured, please read the Sum insured wise benefits provided in Policy wordings, CIS and Prospectus​​

Reliance Hospi Care Policy eligibility criteria


  • The policy covers persons in the age group of 18 years to 65 years.

  • The premium amount must be paid at the inception of the policy as a single payment.

  • This is applicable solely for an insured person who is an Indian resident.

  • The daily hospital cash policy only covers medical treatment availed within India.

  • The sum insured and the benefits under the plan will be applicable on a policy year basis.

  • This policy will cover only one person per policy on an individual sum insured basis.

Reliance Hospi Care Policy Coverage Period & Waiting Periods 


  • The policy will be issued for a period of 1 or 2 or 3 year(s) based on the tenure selected.

  • A waiting period of 90 days from the commencement date of the policy shall apply to all claims under the insurance plan. No payment for any treatment, which begins during the waiting period, will be made unless the policyholder meets with an accident.

  • Specific illnesses and treatments will be covered after a waiting period of 2 years from the start date of policy. The insured person can avail the plan if he/she has been insured under the Reliance Hospi Care Insurance Policy continuously and without any break.

  • Pre-existing diseases (PED) have a waiting period of 4 years.

What is the Policy Sum Insured & Enhancement?

The sum insured ranges from INR 1 lakh to INR 10 lakh. The hospital daily cash is INR 1,000 for the former and INR 4,000 for the latter. Similarly, ICU benefit, day care treatment cash, and even lumpsum amount increase as you enhance your plan according to the sum insured as shown below:

Sum Insured/Benefits

(in INR) 







Surgical Procedure Cash

[upto 100%]







Hospital Daily Cash [upto 60








Hospital Daily Cash ICU

[upto 15 days]







Day Care Treatment Cash







Other Surgeries Cash







Hospitalisation due to








The Sum Insured can be enhanced only at the time of renewal. At the time of enhancement, the insured may have to undergo a health check-up and the waiting periods will be applied afresh for the enhanced sum insured. There may be an additional premium charged depending on the terms and conditions of the policy.


Reliance Hospi Care Policy Inclusion & Exclusions

From cardiovascular and digestive to endocrine to the urinary system, the hospital cash benefit plan covers a host of surgical and day care procedures. If the insured person is hospitalised for a surgical procedure during the policy period directly due to an illness or an accident, then we will pay the percentage of the sum insured as per the policy wording. During a particular policy year, we can settle a maximum of one claim for any listed surgery. The plan also includes benefits like hospital daily cash, ICU benefit, day care treatment cash, etc.


Since we aim to be transparent and hope to make your claim process as hassle-free as possible, we have listed the scenarios that are not covered by Hospi Care:

  • Any war-related injury is not covered under the hospital cash cover. 

  • Any intentional self-Injury or attempted suicide.

  • Any injury caused while committing a criminal act.

  • Any injury caused due to participation in any dangerous act or adventurous sports.

  • Treatment of illness or injury because of the use of alcohol, tobacco, narcotic or psychotropic substances is not covered.

  • Treatment of obesity or any cosmetic surgery.

  • Treatment for correction of eyesight due to refractive error.

  • If the treatment is done at a healthcare facility, which is not a hospital.

  • Treatment availed outside India.

  • Any treatment administered by a medical practitioner, which is outside his discipline.

  • Plastic or cosmetic surgery or treatments, unless it is considered a medically necessity.

  • Any treatment that is not a medically necessary treatment.

Reliance Hospi Care Policy Premium, Discounts & PPHC

The premium for an 18-year-old for sum insured of INR 1 lakh is INR 1669 and for INR 10 lakh is INR 8538, while for a 60-year-old, the sum insured for INR 1 lakh and INR 10 lakh is INR 7001 and INR 43263 respectively. Basically, the premium will increase according to age and sum insured. The final premium is calculated after deducting the discount part and adding the tax part.


INR 1 lakh

INR 2 lakh

INR 3 lakh

INR 4 lakh

INR 5 lakh

INR 10 lakh


INR 1669

INR 2594

INR 3790

INR 4953

INR 5688

INR 8538


INR 1711

INR 2664

INR 3948

INR 5164

INR 5876

INR 8925


INR 2150

INR 3651

INR 5211

INR 6887

INR 8412

INR 12745


INR 2446

INR 4144

INR 6034

INR 7988

INR 9364

INR 13893


INR 2762

INR 4826

INR 6969

INR 9139

INR 10854

INR 16250


INR 3234

INR 5899

INR 8396

INR 11028

INR 13336

INR 20171


INR 3995

INR 7566

INR 10334

INR 14091

INR 16869

INR 25409


INR 5127

INR 9636

INR 13510

INR 18336

INR 21320

INR 32534


INR 7001

INR 12756

INR 18071

INR 23319

INR 27995

INR 43263

Note: This is base premium excluding taxes



  • If you are an existing customer or policyholder of Reliance General, you will get a one-time discount of 10% on the premium.

  • You get a loyalty bonus of 10% discount if you have purchased an active health insurance policy through our website or mobile app.

  • If you buy or renew the policy online, you will get a 10% discount on the premium.

  • You get a policy tenure discount of 10% if the policy period of your plan is 2 or 3 years. To avail it, you should pay the premium in advance as a single sum.

  • 100% pre-policy health check-up costs will be taken care of by us.

Pre-Policy Health Check-up (PPHC)

When it comes to pre-policy health checkups, you will be glad to know that 100% pre-policy health check-up costs are taken care of by us. The reports will be sent to the policyholder if proposal is accepted and policy is generated. For more details, see the table below:

Sum insured in consideration

Age group (in years)

Up to INR 5,00,000

 INR 5,00,001- INR10,00,000









CAT 3#


CAT 3#

CAT 5#


CAT 5#

CAT 5#

Category 3: MER, CBC, FBS, HbA1c, Lipid profile, SGOT, SGPT, GGT, RUA, ECG, HBsAg, S. Creatinine 

Category 5: MER, CBC, FBS, HbA1c, Lipid Profile, SGOT, SGPT, GGT, RUA, TMT, HBsAg, S. Creatinine​

Reliance Hospi Care Policy Claim Intimation Process


  • For the treatment of any illness or injury for which hospitalisation is required, you must inform us within 24 hours from the date of admission or 7 days from the date of admission.

  • You can reach us through our app Reliance Selfi, WhatsApp number 7400422200, email at, or even connect with our AI-powered chat assistant.  You can also call us on 18003009 (Toll free) or 02248903009.

  • You must possess supporting documents like bills, receipts, examination reports, discharge summaries, etc. to establish the circumstances and quantum of the claim.

  • You need to fill the claim form and provide the required information.

  • On receipt of the complete set of claim documents, the payment for the admissible amount along with a settlement statement will be sent to your bank account within 30 days.​

*T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for Reliance Hospi Care Insurance. UIN - RELHLIP20027V012021

Hospi Care Insurance FAQ


Hospi Care 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

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