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Reliance Health Gain Health Insurance
The No-Compromise Health Policy
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We often forget to prioritise our health. We tend to ignore minor symptoms, delay doctor visits and take our wellness for granted. However, we never know what the future holds for us. Accidents, illnesses and injuries can occur when we least expect them. These unexpected incidents can lead to mounting medical expenses, which can take a toll on our physical, emotional and financial well-being. That’s where health insurance comes in with like- a safety net that provides much-needed support during medical emergencies. You need a holistic policy that helps to negate all the anxiety around the high medical costs associated with quality treatment. A health insurance policy that is extremely fluid and modular. A customisable policy like Reliance Health Gain. Our health insurance policy is a #MeriPolicyMeriChoice plan that doesn’t let you compromise on your health. It lets you customise your plan to get covered up to ₹1 Crore, get unlimited restoration of your sum insured, enjoy no limits on your room rent and more. Now there’s no more compromise with Reliance Health Gain Policy!
This refers to the medical treatment for which you have to stay in the hospital for more than 24 hours.
This covers the medical expenses incurred for special treatments such as Oral Chemotherapy, Balloon Sinuplasty and more upto the amount specified in the Coverage Summary/Schedule.
This refers to the medical and/or surgical procedures that require hospitalisation of less than 24 consecutive hours.
This refers to the medical treatment that would normally require care and treatment at a hospital but is actually done at home due to special circumstances.
This refers to the medical expenses incurred for any organ transplant surgery conducted on you (policyholder).
This refers to the treatment done using ‘Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy’ systems.
This refers to the medical expenses you incurred before getting hospitalised.
This refers to the medical expenses incurred after you have been discharged from the hospital.
This covers expenses incurred on availing ambulance services offered by a hospital or by an ambulance service provider on in-patient hospitalisation.
10% Discount
Get a 10% discount for buying this policy online.
7.5% Discount
Get a 7.5% discount if you have an existing non-health policy with us.
15% Discount
Get a 15% discount for taking good care of your health.
12% Discount
Get a 12% discount for buying a 3-year policy (7% for 2 years).
Get a 10% discount for if you have an existing health policy with us.
Get a 10% discount if you are an existing RGI employee.
Enhanced Covers
You receive a cumulative bonus of up to 33.33% of your base sum insured for every claim-free year.
Smart Covers
Preventive Care Covers
Family Care Covers
Convenience Covers
Other Additional Add-ons
+ For a detailed list of diseases, do read the prospectus/policy wordings available on our website.
You can choose between cashless and reimbursement claims as per your convenience. For cashless claims, you must get treated at a network hospital where the insurer would settle the bills directly with the hospital authorities. If you want reimbursement claims, pay your bills initially and retain the original bills and receipts. Submit the original bills when you raise the claim.
Inform the claims team regarding your hospitalisation. You can register a claim by writing to us, logging on to the Self-i App, or calling us on (022) 4890 3009 (Paid number)
Submit details regarding the type of treatment planned and provide all required documents to the claims team. They will start the process immediately.
Get cashless treatment at a our network hospitals. The claims team and hospital will settle all your bills.
Submit details regarding the type of treatment planned, start the treatment and make the payment
Submit your original scan documents within 7 days from hospital discharge to initiate the reimbursement
While Health Gain covers a lot for you, there are some situations where it doesn’t apply. Here’s a list of all medical exclusions in Reliance Health Gain:
Click here to read the policy wordings to know more about the exclusions of Health Gain Insurance.
Any illness, injury, or medical condition that was discovered within 36 months of the commencement date of your policy is considered a pre-existing disease. Diabetes and excessive blood pressure are two examples.
You may need to pay for some medical procedures before, during, or after being admitted to the hospital. These can include doctor visits or recovery time following surgery. These costs are referred to as pre- and post-hospitalisation costs.
If you are hospitalised, the Consumables Cover will pay for a variety of consumables like syringes, gloves, and sanitary pads that are required for your care.
Your health insurance policy is valid for 12 months starting on the day it was first issued. You can purchase a two- or three-year insurance if you want your coverage for a longer period of time.
No, if you enrol your entire family in a single plan, you will only need to pay a single premium to cover everyone.
Your insurance premium can be paid with a credit card, debit card, UPI, net banking, or an EMI.
With Reliance Health Gain you enjoy several benefits like discounts up to 40%*, a high Sum Insured up to Rs.1 Cr. which covers your medical expenses, various add-ons like Double Cover, Cumulative Bonus and more to give you enhanced protection.
The discounts available are Existing Customer Discount, Policy Tenure Discount, Girl Child and Women Proposer Discount and more. You can avail up to 40%* discount with Reliance Health Gain.
Reliance Health Gain covers several medical expenses which include Inpatient Care (ICU charges, Nursing, Practitioner’s fees, related diagnostic tests), Pre and Post Hospitalisation expenses, Modern Treatments (Robotic Surgeries, Stem Cell therapy), Road Ambulance charges and more.
Yes, there are several beneficial add-ons available under Reliance Health Gain including Consumables Cover, Reinstatement of Sum Insured, Cumulative Bonus, Health Check-ups and more.
Proposer is the one who holds the policy and the one whose name appears in the policy document.
Yes, however, there is a 30-day waiting period for treating any illness except those arising out of an accident.
A Cumulative Bonus is a feature that increases your Sum Insured if you go a whole policy year without making a claim. With Reliance Health Gain you get a Cumulative Bonus of 33.33% for every claim-free year.
Yes, you will get a 12% discount if you buy a 3-year policy and a 7% discount if you buy a 2-year policy.
No, you can make any number of claims in a policy year as long as you have enough of your coverage amount or Sum Insured available.
If you exhaust your Sum Insured, you will not be able to make any more claims in that policy year. However, there are ways to replenish your coverage amount if you exhaust it through add-ons like Double Cover and Unlimited Restore Benefit.
No, you do not need a pre-medical check-up to buy our health insurance. The pre-medical check-up is applicable only if you are above the age of 45.
Reinstatement of Sum Insured under Reliance Health Gain gives you the advantage of restoring your Sum Insured if you exhaust it during a policy year. It is available as an add-on under the policy.
Yes, Reliance Health Gain covers all your family members for medical expenses if you add them under the family floater plan.
You can select any kind of hospital room under Reliance Health Gain since there is no cap on the room rent.
Cashless billing is only possible when receiving treatment at one of our network hospitals. If you are admitted to a hospital outside our network, you can claim on a reimbursement basis.
Making a cashless claim is not possible if you receive care at a non-network hospital. This implies that you must pay the hospital expenses in full before our claims team can repay you.
12 December 2019, Kerala
13 February 2020, Hyderabad
5 February 2020, Vijayawada
14 January 2019, Bengaluru
08 June 2022, Haryana
29 March 2022, Karnataka
14 April 2022, Delhi
Disclaimers:*Maximum discount applicable for the policy is 40% excluding long term healthy discount(aggregate) | **These are optional covers and need to be opted separately while purchasing the policy. | ++Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details. | #The premium mentioned is excluding taxes for single person ageing between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12). | *T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122
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