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Reliance Health Gain Health Insurance
The No-Compromise Health Policy
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The Reliance Health Gain 3.0 is a health insurance policy that helps pay for your planned and emergency medical costs. These can include costs for hospitalisations, surgeries, day care treatments (e.g., chemotherapy, dialysis, etc.), homecare treatments and OPD treatments. It's the newest and most advanced addition to our health insurance lineup.With an increased sum insured (SI) of up to ₹5 Crores*, you get more built-in benefits like unlimited SI restoration, a No Claim Discount (NCD), Policy Pause and a Spouse First Cover. What's more? You now get coverage for annual vaccinations (up to ₹3,000) and annual health check-ups (up to ₹3,500) from day 1*.
Another standout feature of the Reliance Health Gain 3.0 is the Chronic Shield cover. On choosing this cover, you can get day 1 coverage for pre-existing conditions like Asthma, Hypertension (Blood Pressure), Hyperlipidaemia (Cholesterol) and Diabetes MellitusAnd don't worry! Those looking to enhance coverage can easily do so with our new specialised add-on bundles and new optional covers*.The Reliance Health Gain 3.0 is ideal for anyone looking for flexible health insurance coverage that can be tailored to fit their lifestyle, budget and medical needs. Upgrade to the Reliance Health Gain 3.0 today to experience power-packed benefits with your #HealthKaYaar!
Disclaimer: The values provided within the table are the upper and lower limits of the Health Gain 3.0 plan. To get the most accurate coverage information for your plan, please refer to your policy documents.
Disclaimer: The basis of claim payments may differ for select covers. For more information, please refer to your policy documents.
Up to20%
NRIs purchasing Reliance Health Gain 3.0 can get up to a 20% discount*.
7.5%
When you renew your long-term Health Gain 3.0 plan.
5%
When you add your daughter to your Health Gain 3.0 family floater plan.
30%
When you insure your parents under your Health Gain 3.0 plan. Getting family coverage has never been easier!
Get 5% discount for online purchase and 5% if you are a part of Affinity Group
50%
Get ₹50 off* on premiums at the end of each completed and continuous policy year.
Up to10%
Get a 5% discount on Promoter Group employees and RGICL Employees - through Agents. And you also get a 5% Corporate Employee Discount
22%
Get a 5% discount* when you buy Health Gain 3.0 if you already own a non-health plan from us, or a 10% discount* if you have an existing health policy.
10%
If you buy your Reliance Health Gain 3.0 plan from an agent or third-party provider.
39%
Get up to 39% off* when you file zero claims during the previous policy year.
15%
Long-term policy purchase if you have no pre-existing conditions!
Disclaimer: The total discount available for the Health Gain 3.0 will be capped at a maximum discount of 40%*.
The new Reliance Health Gain offers enhanced coverage and is an upgraded version of your existing Health Gain plan.
You can transfer your existing health policy to Reliance General Insurance by using the health insurance portability option. Contact us to initiate the porting process at least 45 days before your renewal date for a seamless transition.
You can check your details by logging into your Reliance account or on the Reliance Self-i App.
Pre-existing disease (PED) means any condition, ailment, injury or disease: a) that is/are diagnosed by a physician not more than 36 months prior to the date of commencement of the policy issued by the insurer; or b) for which medical advice or treatment was recommended by, or received from, a physician, not more than 36 months prior to the date of commencement of the policy.
Pre- and post-hospitalisation expenses refer to medical costs incurred before and after hospitalisation.
A consumables cover will pay for single-use items, such as bandages, needles, gloves, and syringes, that are required for surgery and medical care. These aren’t generally covered under your base policy and can increase your overall out-of-pocket expenses. So, having the cover can be beneficial.
Typically, your health insurance policy is valid for 12 months, starting from the date it was issued. With the Reliance Health Gain 3.0, you can buy a multi-year plan up to 5 years
No, if you insure all your family members under a single plan, you only have to pay a single premium to cover everyone.
You can pay your premiums via net banking, credit/debit card, UPI (Google Pay, Paytm), and Cheques/Demand drafts.
Your Reliance Health Gain 3.0 policy covers room rent, hospitalisation costs, ambulance costs, annual health check-ups, vaccinations and many more.
The proposer is the person responsible for paying the policy premium.
This is a feature that increases your sum insured amount by a certain percentage if you go a whole policy year without making a claim. With Reliance Health Gain 3.0, you get a Cumulative Bonus of 33.33% for every claim-free year up to a maximum of 100% and a 33.33% decrease for every claim year.
Yes, but we have a 30-day waiting period you need to complete before you can file any claims. You get day 1 coverage for injuries arising out of accidents.
Yes, 2-year policies get a 7% discount, 3-year policies get a 12% discount, 4-year policies get a 17% discount, and 5-year policies get a 22% discount*.
No, you can file as many claims as you wish in a policy year as long as you have enough of your sum insured amount available.
This is subjected to the Medical declarations made by the insured at the time of application for the policy
You can cancel the policy by giving written notice within 30 days. The refund premium for the unexpired policy periods will be initiated in accordance with the policy conditions.
This will depend on the plan option you have chosen. With our Change in Room Rent Limits cover, you can also change the room rent limits.
No, but you can choose a higher sum insured amount under your plan or upgrade to another plan option with a higher sum insured at the time of policy renewal.
Yes, we cover COVID-19 after a 15-day waiting period.
If you got treated in a non-network hospital, you can still file a cashless claim. In case you choose reimbursement claims, you can pay first and later submit the bills and payment receipts for reimbursement.
In case of rejection, you can contact us at our Grievance Redressal Cell to appeal the rejection.
December-2024,Hyderabad
October-2024,Bengaluru
September-2024,Thrissur
November-2024,Bengaluru
September-2024,Kollam
December-2024,Pathankot
October-2024,Lucknow
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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