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Hospi Care Insurance

Benefits

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)	1,00,000	2,00,000	3,00,000	4,00,000	5,00,000	10,00,000
Surgical Procedure Cash [upto 100%]	1,00,000	2,00,000	3,00,000	4,00,000	5,00,000	10,00,000
Hospital Daily Cash [upto 60 Days]	1,000	2,000	3,000	4,000	4,000	4,000
Hospital Daily Cash ICU [upto 15 days]	2,000	4,000	6,000	8,000	8,000	8,000
Day Care Treatment Cash	5,000	10,000	15,000	20,000	25,000	50,000
Other Surgeries Cash	2,000	4,000	6,000	8,000	10,000	20,000
Hospitalisation due to Dengue/Malaria/Chikungunya	20,000	20,000	20,000	20,000	20,000	20,000

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.

Exclusions

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.

Age/SI	INR 1 lakh	INR 2 lakh	INR 3 lakh	INR 4 lakh	INR 5 lakh	INR 10 lakh
18	INR 1669	INR 2594	INR 3790	INR 4953	INR 5688	INR 8538
20	INR 1711	INR 2664	INR 3948	INR 5164	INR 5876	INR 8925
30	INR 2150	INR 3651	INR 5211	INR 6887	INR 8412	INR 12745
35	INR 2446	INR 4144	INR 6034	INR 7988	INR 9364	INR 13893
40	INR 2762	INR 4826	INR 6969	INR 9139	INR 10854	INR 16250
45	INR 3234	INR 5899	INR 8396	INR 11028	INR 13336	INR 20171
50	INR 3995	INR 7566	INR 10334	INR 14091	INR 16869	INR 25409
55	INR 5127	INR 9636	INR 13510	INR 18336	INR 21320	INR 32534
60	INR 7001	INR 12756	INR 18071	INR 23319	INR 27995	INR 43263

Note: This is base premium excluding taxes

Discount

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
18-35	Nil	Nil
36-45	Nil	Nil
46-50	Nil	CAT 3#
51-60	CAT 3#	CAT 5#
61-65	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 rgicl.rcarehealth@relianceada.com, 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

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

Is there a limit on the number of claims that one can make in a policy period?

No, there is no limit on the number of Health claims made in a policy period subject to the maximum limit of sum insured.

If I avail of the cashless facility, will you, the insurer, pay the complete amount?

We will make payments towards all admissible charges upto the limit of your sum insured.

Under what circumstances can Reliance General Insurance Company reject my claim?

A claim can be rejected if it does not comply with the terms and conditions of the policy.

Does a higher cover provide privileged treatment in case of hospitalisation and claim?

No, it doesn’t. However, a higher cover would mean a better protection.

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

Policy Wording

E-mail Policy Wording .

E-mail Claim Form .

Email Address

What is Reliance Hospi Care Policy?

Reliance Hospi Care Policy coverage and benefits

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?

Sum Insured/Benefits (in INR)	1,00,000	2,00,000	3,00,000	4,00,000	5,00,000	10,00,000
Surgical Procedure Cash [upto 100%]	1,00,000	2,00,000	3,00,000	4,00,000	5,00,000	10,00,000
Hospital Daily Cash [upto 60 Days]	1,000	2,000	3,000	4,000	4,000	4,000
Hospital Daily Cash ICU [upto 15 days]	2,000	4,000	6,000	8,000	8,000	8,000
Day Care Treatment Cash	5,000	10,000	15,000	20,000	25,000	50,000
Other Surgeries Cash	2,000	4,000	6,000	8,000	10,000	20,000
Hospitalisation due to Dengue/Malaria/Chikungunya	20,000	20,000	20,000	20,000	20,000	20,000

Reliance Hospi Care Policy Inclusion & Exclusions

Exclusions

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

Age/SI	INR 1 lakh	INR 2 lakh	INR 3 lakh	INR 4 lakh	INR 5 lakh	INR 10 lakh
18	INR 1669	INR 2594	INR 3790	INR 4953	INR 5688	INR 8538
20	INR 1711	INR 2664	INR 3948	INR 5164	INR 5876	INR 8925
30	INR 2150	INR 3651	INR 5211	INR 6887	INR 8412	INR 12745
35	INR 2446	INR 4144	INR 6034	INR 7988	INR 9364	INR 13893
40	INR 2762	INR 4826	INR 6969	INR 9139	INR 10854	INR 16250
45	INR 3234	INR 5899	INR 8396	INR 11028	INR 13336	INR 20171
50	INR 3995	INR 7566	INR 10334	INR 14091	INR 16869	INR 25409
55	INR 5127	INR 9636	INR 13510	INR 18336	INR 21320	INR 32534
60	INR 7001	INR 12756	INR 18071	INR 23319	INR 27995	INR 43263

Note: This is base premium excluding taxes

Discount

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)

Sum insured in consideration
Age group (in years)	Up to INR 5,00,000	INR 5,00,001- INR10,00,000
18-35	Nil	Nil
36-45	Nil	Nil
46-50	Nil	CAT 3#
51-60	CAT 3#	CAT 5#
61-65	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 rgicl.rcarehealth@relianceada.com, 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.

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