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Health Insurance Plans

Health insurance by Reliance General Insurance - get comprehensive health coverage at premiums starting at just ₹243 per month*!

Health insurance is more than just a safety net; it is a crucial financial safeguard that protects you from the high costs of medical emergencies. With healthcare expenses continually rising, having a health insurance plan is indispensable.

Certain medical emergencies can occur unexpectedly, and the costs associated with hospitalisation, surgeries and treatments can quickly become overwhelming.

According to the National Health Accounts Estimates for India, over 47% of healthcare expenses in India are paid out-of-pocket, leading to significant financial strain.

Health insurance provides the necessary financial support, ensuring that you receive the best possible care without depleting your savings or going into debt.

At Reliance General Insurance, we prioritise your health and well-being by offering a range of affordable and comprehensive health insurance plans. Our policies include nationwide cashless hospitalisation, making it easier for you to access quality healthcare services when you need them most.

Whether you need individual coverage or a family floater health policy, we provide tailored medical coverage to fit your budget and needs. By investing in health insurance, you safeguard not only your health but also your financial future, ensuring peace of mind for you and your family.

As your #HealthKaYaar, we never let you face your health emergencies alone.
3 Crore +
Happy Customers*
100%*
Claim Settlement Ratio
₹243 per month*
Affordable Premiums
₹5 Crores
Maximum Sum Assured
Health Insurance
What is Car Insurance

Health insurance is a type of insurance coverage that helps individuals and families manage the financial burden of medical expenses. It is a legal agreement between you and your insurance company, under which the latter agrees to pay for your medical expenses in return for a premium you pay.

At Reliance General Insurance, a health insurance policy is like a superhero, shielding you against unexpected health emergencies by providing much-needed financial assistance.

Our comprehensive health insurance policies cover a range of medical expenses, such as inpatient and outpatient treatments, daycare procedures, surgeries, pre- and post-hospitalisation costs, cashless hospitalisation, doctor consultations, medications and diagnostic tests.

Additionally, you can enjoy coverage for critical illnesses, maternity benefits and alternative treatments such as Ayurveda, Unani, Siddha and Homeopathy.

But how does health insurance work?

You purchase a health insurance policy depending on your specific coverage needs and budget and pay a monthly amount, known as a premium, at regular intervals to maintain the coverage.

When you need to visit a doctor for a prescription or require hospitalisation, your health insurance plan shares the financial burden. Simply put, whenever you need medical attention, your insurance company will be there to pay a significant amount of your bills.

It means, you can focus on your healthcare and treatment without stressing over money arrangements.

And, what’s more? You can enjoy tax benefits under Section 80D of the Income Tax Act for premiums paid for a health insurance plan.

Also Read: What Is Health Insurance & Its Types | A Complete Guide

Types of
Health Insurance Plans

Health insurance requirements are not the same for every individual. Hence, there are different types of medical insurance plans curated to cater to the varying needs of individuals and groups.

Whether you are searching for a suitable policy for yourself or looking for parents health insurance, you can opt from the below health insurance types based on your unique requirements:

Individual Health Insurance

An individual health insurance plan provides coverage for a single person, protecting them against medical expenses.

The Reliance Health Infinity Plan offers coverage ranging from basic medical attention to more comprehensive benefits such as pre- and post-hospitalisation, maternity cover, OPD cover, ambulance costs, doctor fees, routine check-ups, and more.

We also offer unlimited reinstatement of the sum assured and global coverage for comprehensive protection, no matter where you are.

Family Health Insurance

Family medical insurance plans cover multiple family members under a single policy. With family health insurance, you get a shared sum assured for yourself, your spouse, children and parents.

The Reliance Health Gain Insurance policy allows you to extend coverage to your extended family members, such as your in-laws and other dependents.

Further, you can modify the coverage as per every family member’s changing insurance needs.

Senior Citizen Health Insurance

Health issues increase with age. Senior citizen health insurance plans are tailored to address age-related health issues, hospitalisation costs and specific healthcare needs of the elderly.

The Reliance Health Gain Insurance Policy can be tailored to the specific needs of senior citizens, ensuring all-around protection of your family's elder members.

The plan offers a higher sum assured for senior citizens, coverage for pre- and post-hospitalisation, ambulance charges, cashless hospitalisation, and more.

International Health Insurance

At Reliance General Insurance, our international health insurance is designed to offer extensive benefits for planned medical treatments, ensuring you can access high-quality healthcare services worldwide.

The Reliance Health Global Insurance Plan offers comprehensive international coverage, including hospitalisation and treatment expenses, making it an essential choice for individuals and families seeking crucial medical care abroad. It ensures peace of mind no matter where you are.

This plan also provides coverage in India. You can get covered for both emergency and planned hospitalisations within the country.

Top-up Health Insurance

Top-up health insurance provides additional coverage when the existing policy’s limit is exhausted. It ensures extended financial protection for high medical expenses.

With Reliance Health Super Top-Up Insurance, you can get quality treatment without worrying about exceeding your coverage limit.

With this plan, you can get a sum insured ranging from ₹5 lakh to ₹1.3 crores, alongside many other perks like worldwide coverage, maternity cover and attractive discounts of up to 35%*.

Critical Health Insurance

Critical health insurance plans offer financial coverage for critical ailments such as cancer, organ transplants, cardiac surgeries and more. They provide a lump sum benefit upon diagnosis to manage treatment costs and recovery.

With Reliance Critical Illness Insurance, you can get treatment for 10 life-threatening diseases, including total blindness, cancer, sclerosis, third-degree burns and critical renal diseases, among others.

What’s more? You don’t need to undergo any medical tests to buy it.

Accidental Health Insurance

An accidental health insurance plan is designed to offer coverage for medical expenses arising from injuries and health issues caused by accidents.

The Reliance Personal Accident Insurance Plan offers benefits such as hospitalisation, accidental death coverage, loss or disabilities, and more.

An accidental health insurance plan is a must-have for every individual, regardless of gender, age or health status.

Group Health Insurance

Group health insurance is designed for organisations to provide medical coverage to their employees, offering financial protection against health-related expenses and enhancing employee benefits.

The Reliance Group Mediclaim Insurance Policy allows you to cover up to 1000 employees and provide them with necessary financial coverage. Not only employees; our group insurance plans are beneficial for employers as well.

Investing in our group health insurance can offer many perks, from employee retention to tax-saving benefits.

Benefits of Buying
a Health Insurance Plan

  • Deal with Rising Healthcare Cost

    Medical insurance acts like a financial backup that helps you deal with the country's ever-increasing healthcare costs. It allows you to get quality treatment for yourself and your family without facing any financial strain.

  • Cashless Treatment Anywhere

    From frequent doctor visits to emergency hospitalisation, Reliance General health insurance allows you to get cashless treatment anywhere and anytime. You can get cash-free treatment at any healthcare facility across the country.

  • Covers Pre & Post Hospitalisation

    Another key advantage of having medical insurance plans is that they cover expenses incurred before and after your hospitalisation. Simply put, you get a 360-degree financial protection for your medical treatment.

  • 24x7 Emergency Assistance

    Emergencies can hit anyone, anytime and anywhere. The best health insurance plans not only prepare you to deal with such critical circumstances but also make sure that you don’t deal with unforeseen events alone.

  • Coverage for Alternative Medicine (AYUSH Benefits)

    Many health insurance plans, like the Reliance Health Infinity Plan, include AYUSH benefits, covering alternative treatments like Ayurveda, Yoga, Unani, Siddha and Homeopathy. This allows you to choose your preferred mode of treatment.

  • Save on Taxes

    Health insurance benefits are not limited to emergency care and cashless treatment. The premium paid for a health insurance plan also allows you to maximise your tax savings under Section 80D of the Income Tax Act.

  • Preventative Care

    The best medical insurance plans allow you to get preventative treatment, such as screenings, routine check-ups, vaccinations, etc., to detect and prevent several life-threatening diseases.

  • Cumulative Bonuses

    Health insurance plans come with cumulative bonuses for every claim-free year of your policy. These bonuses can be in the form of additional discounts, extra sum insured, low health insurance premiums and more.

Why Should You Choose
Reliance General Health Insurance?

3 Crore+ Policyholders

With a family of over 3 crores* happy policyholders, we take pride in being one of the best health insurance providers in the country. Your health is our priority, and we secure it with comprehensive plans.

Diversified Range of Plans

Whether you are looking for an individual health insurance policy, a group health insurance plan for your employees, or a family floater plan to cover your family members, we have an insurance solution for everyone.

Excellent Claims Settlement Ratio

Our 100% claims settlement ratio* clearly reflects our commitment to resolving your claims swiftly and fairly. Our claims settlement team ensures that you are not alone and stressed during challenging times.

Quick Claims Process

At Reliance General Health Insurance, we offer a fast and obstacle-free claims settlement process to ensure you don’t have to wait for months to settle your claims. With ‘Cashless Everywhere’, you can get your claims settled right away.

Easy Purchase/Renewal

We offer easy online purchase/renewal that involves minimal paperwork and zero inconvenience. You don't need to make appointments or undergo a series of medical check-ups to purchase Reliance medical insurance.

Reliance General
Health Insurance Plans

As your trusted #HealthKaYaar, we believe that health insurance does not work on the one-size-fits-all formula. Hence, we have carefully designed different plans to meet the varying needs of our prospective customers.

Health Insurance Plan Key Features Recommended For
Reliance Health Global Insurance

Best health insurance for expats and foreign travellers seeking medical protection
  • US$ 1 Million Sum Insured
  • Worldwide and India Coverage
  • Critical Illness Coverage
  • Travel and Concierge Expense Coverage
  • Second Opinion Covered
  • Visa Charges and Documentation Coverage
  • 2x Annual Sum Insured
  • Travel and Accommodation Expenses
Individuals and families looking for quality care abroad.
Reliance Health Infinity Insurance

Comprehensive health insurance with a higher sum insured
  • Upto ₹5 Crores Sum Insured
  • Additional Cover Over the Sum Assured
  • Extended Coverage Over the Policy Term
  • Coverage for Global Emergencies
  • Maternity and OPD Cover
  • Unlimited Restore Benefits
  • Upto ₹1 Lakh Tax Savings*
Individuals and families.
Reliance Health Gain Insurance

Comprehensive yet cost-effective insurance with multiple benefits
  • Upto ₹1 Crore Sum Insured
  • Coverage for Second Opinion
  • Reduction in Waiting Period for Pre-Existing Diseases
  • Unlimited Restore Benefits
  • Upto ₹1 Lakh Tax Savings*
  • Loyalty Cover
Individuals and senior citizens.
Reliance Super Top-up Insurance

Extended protection for your existing health insurance
  • Upto ₹1.3 Crore Sum Insured
  • Worldwide Emergency Cover
  • No Claims Bonus
  • Maternity Cover
  • Ambulance Cover
  • Single Private AC Room
Individuals looking for extended coverage with existing policies.
Reliance Critical Illness Insurance

Complete financial protection against critical health issues
  • Upto ₹10 Lakh Sum Insured
  • Covers 10 Critical Illnesses
  • No Medical Test Required
  • Lump Sum Payment
Individuals looking for a specialised health insurance plan and financial protection against critical illnesses.

Features and Benefits Offered by
Reliance Health Insurance Policy

Reliance Insurance plans are designed to offer maximum coverage at cost-effective premiums. Our benefits include a higher sum insured, pre- and post-hospitalisation, up to 100% claims settlement, cashless treatment, tax savings and more.

Key Features of Health Insurance Description
Low Premium Starts @ ₹243 per month*
Enhanced Sum Insured ₹3 Lakhs to ₹5 Crore (based on your policy)
Type of Policy Available for Individuals, Family, and Groups
Cashless Hospitalisation Cashless Settlement to Minimise Out-of-Pocket Expenses
Claims Settlement Ratio 100% Claims Settled*
Cumulative Bonus Upto 100%*
Extensive Network Hospitals 10,000+ Network Hospitals
Pre & Post Hospitalisation Covers Hospitalisation Expenses up to 90 Days of Admission and 180 Days After Discharge
COVID-19 Coverage Included in All Health Insurance Plans
No Paperwork Required Easy Online Purchase with No Paperwork Required
Tax Benefits Upto ₹1 Lakh* (Under Section 80D)
Co-payment Option Available
Add-ons Maternity Cover, Global Emergency Hospitalisation Cover, Unlimited Restore Benefits, Outpatient Department (OPD) Cover, and More.

What are the Inclusions and Exclusions of Health Insurance Policy

Inclusions Detailed Explanation
In-patient Hospitalisation Covers medical expenses for hospitalisation due to illness or injury, including room rent, ICU charges, doctor fees and nursing expenses.
Pre and Post Hospitalisation Covers medical expenses incurred before and after hospitalisation for a specified period (usually 60 days before and 90 days after hospitalisation).
AYUSH Treatment Includes coverage for alternative treatments under Ayurveda, Yoga, Unani, Siddha and Homeopathy.
Emergency Ground Ambulance Covers ambulance charges for transporting the insured to the hospital during emergencies.
Day Care Procedures Covers medical expenses for treatments or surgeries that do not require 24-hour hospitalisation, such as cataract surgery, chemotherapy, etc.
Cataract Treatment Includes coverage for cataract surgery, up to a specified limit.
Modern Treatments Covers advanced medical procedures and treatments like robotic surgeries, stem cell therapy, and other new-age treatments.
Maternity and Newborn Cover Covers maternity expenses and newborn baby care, including vaccinations.
Organ Donor Expenses Covers medical expenses related to organ donation surgery for the insured.
Domiciliary Hospitalisation Covers medical expenses for treatments at home if the patient is unable to be moved to a hospital due to health reasons.
Mental Illness Coverage Includes coverage for hospitalisation expenses due to mental illnesses.
OPD Treatment Covers outpatient department (OPD) expenses such as doctor consultations, diagnostic tests, dental treatment and prescription drugs.
Annual Health Check-up Provides coverage for preventive health check-ups annually.
Exclusions Detailed Explanation
Investigation & Evaluation Hospitalisation primarily for diagnostic purposes without any treatment is not covered.
Rest Cure, Rehabilitation, and Respite Care Expenses related to hospitalisation for rest cure, rehabilitation, or respite care are excluded.
Cosmetic and Plastic Surgery Surgeries for cosmetic purposes are not covered unless required due to an accident or illness.
Obesity Treatment Treatment for obesity is excluded unless it fulfils specific medical conditions as mentioned in the policy.
Change of Gender Treatments Treatments related to gender transition are not covered.
Self-inflicted Injuries Treatment for injuries resulting from self-harm or attempted suicide is excluded.
Substance Abuse Treatments related to alcohol, tobacco or drug abuse are not covered.
Unproven Treatments Experimental or unproven treatments not recognised by medical authorities are excluded.
Treatment Outside India Treatments outside India are excluded unless specifically covered by the policy.
Hearing Aids and Spectacles Expenses for hearing aids, spectacles, or contact lenses are not covered except under specific conditions mentioned in the policy.
Maternity and Related Expenses Maternity and related expenses are excluded unless covered under a specific maternity benefit plan.
Pre-existing Diseases Treatment for pre-existing diseases is excluded until the waiting period specified in the policy is completed.
War-related Injuries Injuries or illnesses resulting from war, terrorism or nuclear activities are excluded.
Cosmetic and Aesthetic Treatments Expenses for cosmetic, aesthetic or re-shaping treatments and surgeries, unless required due to illness or injury, are excluded.
Dental Treatment Routine dental treatments and surgeries are excluded unless required due to an accident.

Optional Add-ons in
Reliance General Health Insurance

Enhancing your health insurance policy with add-ons can significantly boost your coverage.

These optional add-ons offered by Reliance General Insurance are available for a minimal additional premium.

The following list of Reliance General health insurance add-ons help tailor your policy to meet specific needs, providing comprehensive and flexible coverage for you and your family.

Maternity Add-on Cover

This add-on covers expenses related to pregnancy and childbirth, including pre and post-natal care, delivery costs and newborn baby care. It provides financial support during one of life’s most significant events.

Hospital Daily Expenses Add-on

This add-on offers a fixed daily cash benefit during hospitalisation. It helps cover additional costs such as food, transportation and accommodation, ensuring you are not financially burdened by incidental expenses.

Emergency Ambulance Services

With this add-on, you can cover the costs of ambulance services during medical emergencies. It ensures you can afford transportation from the emergency site to the nearest hospital or medical facility, providing peace of mind during critical times.

Out-Patient Department (OPD) Add-on

This add-on covers expenses for outpatient services such as doctor consultations, diagnostic tests and medications. It is ideal for individuals who frequently visit the doctor for minor illnesses, helping manage these costs effectively.

Global Emergency Hospitalisation Add-on

Provides coverage for medical expenses incurred during emergency hospitalisation while travelling abroad. It may also cover the cost of emergency medical evacuation, ensuring you have access to necessary medical care wherever you are.

Critical Illness Add-on

Offers a lump-sum payment if diagnosed with critical illnesses like heart attack, kidney failure or total blindness. This add-on helps cover medical expenses or loss of income, providing financial security during severe health crises.

Additional Coverage Over Your Original Sum Insured

This top-up add-on allows you to increase your coverage amount beyond the original sum insured. It provides extra financial protection in case of major medical emergencies, ensuring you have adequate funds to cover extensive medical treatments.

Waiver of Co-payment

This add-on removes the requirement for co-payment, meaning the insurer covers the entire eligible medical expense. It ensures that you do not have to bear a portion of the costs, providing complete financial relief during claims.

Consumables Cover

This add-on covers the cost of medical consumables such as gloves, syringes and other disposable items used during treatment, which are typically not covered under standard health insurance policies.

Reduction/Change in Waiting Period

This add-on allows you to reduce the waiting period for specific conditions, ensuring quicker coverage for pre-existing conditions or specified ailments. This is beneficial for those with known medical conditions who need immediate coverage.

Reduction in Room Rent Limit

This add-on enables you to lower the room rent limit imposed by the policy, allowing you to opt for a higher category room without worrying about additional costs. It contributes to a more comfortable and stress-free hospital stay.

Also Read: What Are The Types Of Health Insurance Add-Ons?

Cashless Everywhere
Now Get Cashless Treatment Anywhere

With a Reliance health insurance plan, you can get cashless treatment at any hospital across the country.

With the Cashless Everywhere feature, you have the freedom to choose a hospital based on your personal preferences. We make sure that you get quality treatment without having to make any upfront payment out of your wallet.

From regular check-ups and consultations to hospitalisation during critical emergencies, our cashless treatment policy streamlines the health insurance system and allows you to focus on your well-being.

Now, no need to worry about last-moment cash arrangements and the complex reimbursement process.

Benefits of Cashless Everywhere:

  • Choice of Hospital: Freedom to choose hospitals without worrying about network restrictions.
  • Nationwide Coverage: Access cashless treatment at network hospitals across India.
  • Ease of Access: Simplified admission and discharge processes.
  • Financial Convenience: Immediate medical attention without cash payments; we directly settle bills with the hospital.

Why Health Insurance
is Needed

The right health insurance plan makes quality healthcare accessible and prevents you from paying exorbitant medical expenses.

Here are some reasons to buy health insurance:

Financial Security

The primary reason to buy health insurance is financial assistance during challenging times. Without medical insurance, dealing with a sudden illness can lead to a significant financial strain.

Health insurance, on the other hand, helps you by sharing a large portion of your medical expenses, depending on your chosen coverage.

Access to High-Quality Healthcare

In the absence of health insurance, individuals may delay or ignore their health due to rising medical costs. This, in turn, can lead to critical health issues and life-threatening diseases.

On the other hand, a health insurance plan provides you with easily accessible quality treatment at the network hospitals. Not only that, you can get cashless treatment at any hospital of your choice under the “Cashless Everywhere” initiative.

Covers Critical Illnesses

Health insurance plans like Reliance Health Global Insurance Plan provide coverage for several Chronic conditions, such as cancer, diabetes, third-degree burns, organ transplants, and more.

Without medical insurance, dealing with these medical conditions can lead to hefty expenses. When you have the right plan, you can take care of yourself and your dependents by providing them with on-time care.

Offers Preventative Care

Health insurance not only helps you overcome the financial strain due to medical expenses but also helps you prevent medical conditions by providing necessary preventative care.

The best health insurance plans offer coverage for routine check-ups, doctor consultations, etc., for early detection and prevention of health issues.

Peace of Mind

By investing in a suitable health insurance plan, you can enjoy greater peace of mind, knowing that your insurance company is there for financial support.

From necessary financial assistance to round-the-clock support, your insurance provider is always there to back you up.

How to Save Tax with a
Health Insurance Policy?

Health insurance is not merely a plan to cover unforeseen medical expenses. It is an overall financial management tool that also allows you to maximise your savings and reduce tax liabilities.

Under Section 80D of the Indian Income Tax Act, you can claim income tax deductions up to ₹1 lakh* on the medical insurance premium paid for yourself, your spouse, your children and even your parents.

Here is how a health insurance policy can help you reduce your tax burden:

Health Insurance Purchased For Deductions for Health Insurance
Premiums Under Section 80D
Benefits Under Preventive Health Check-up Maximum Permissible Deductions Under Section 80D
Self + Family Parents Self + Family Parents
A Self (Below 60 years) + Family
&
Parents (Below 60 years)
₹25,000 ₹25,000 ₹5,000 ₹5,000 ₹50,000
B Self (Below 60 years) + Family
&
Parents (Above 60 years)
₹25,000 ₹50,000 ₹5,000 ₹5,000 ₹75,000
C Self (Above 60 years) + Family
&
Parents (Below 60 years)
₹50,000 ₹50,000 ₹5,000 ₹5,000 ₹1,00,000
D Hindu Undivided Family (HUF) ₹25,000 ₹50,000 ₹5,000 ₹5,000 Either ₹25,000 or ₹50,000
E Non-Resident Indians (NRIs) ₹25,000 __ ₹5,000 __ ₹25,000

Let us understand the above with examples:

Example 1: When health insurance premiums + preventive health check-ups are within the limits

Mr Sharma is 35 years old. He has a family floater health insurance policy for himself, his wife and 2 children, for which he pays ₹20,000 as a premium. He also bought a separate senior citizens’ health plan for his parents for a premium of ₹15,000.

The total premium he pays is ₹35,000, which is well within the ₹75,000 limit he has as per Point B in the table.

Since he has a family history of diabetes and high blood pressure, Mr Sharma undergoes a health check-up every year for ₹2,000. His parents also undergo a health check-up for ₹4,500. The total PHC amount is ₹6,500.

Adding the total premium plus total health check-up amounts, Mr Sharma pays ₹41,500, which is again within the limit of ₹75,000.

So, he can claim the entire ₹41,500 as a health insurance income tax deduction under Section 80D.

Example 2: When health insurance premiums exceed the maximum permissible limit

Mr Verma is 32 years old and has a family floater policy covering himself, his wife and 1 son. He pays a premium of ₹26,000 for his family health plan.

He has dependent parents aged 58 and 59 years. He pays a premium of ₹27,000 for a separate policy for his parents. The total premium outflow for Mr Verma is ₹53,000, which is above his limit of ₹50,000 as per Point A in the table.

Thus, despite paying higher premiums, Mr Verma can only claim a maximum deduction of ₹50,000.

If any member of his family undergoes a preventive health check-up, he cannot claim that as a health insurance income tax deduction as he has already exhausted his deduction limit.

Also read: Make Maximum Tax Benefit from Health Insurance

The health insurance landscape in India has undergone a drastic transformation, especially after the COVID-19 pandemic. After experiencing the havoc caused by the deadly coronavirus, people have started prioritising their health and well-being.

Unfortunately, only 550 million people in the country are covered under health insurance schemes, which is roughly 37% of the total population.

What’s even more surprising is that out-of-pocket expenses for healthcare in India are a whopping 50%. In addition, the medical inflation rate in India is 14%, the highest in Asia.

These numbers clearly state the need for health insurance to cope with accelerating healthcare costs and minimise out-of-pocket expenses for quality healthcare.

Amidst this transforming scenario, Reliance General Insurance has emerged as a trusted insurance provider, offering tailored yet affordable health insurance solutions in the country. Today, we are named among the top health insurance companies in India.

At Reliance General Insurance, we are committed to educating and encouraging more and more people to invest in health insurance and secure their physical and financial well-being.

Health Insurance Sector

Health Insurance and
Its Role During the COVID-19 Outbreak

The only positive outcome of the devastating COVID-19 pandemic is that it has changed the “I am healthy, I don’t need health insurance” mindset of a majority of individuals.

According to a survey, only 32% of people purchased comprehensive health insurance plans before the pandemic. After the massive health crisis, this percentage shot up to 55% in 2021.

Today, health insurance policies come with in-built COVID-19 coverage, thanks to IRDAI's proactive approach to making it mandatory for all health insurance companies in India.

Most insurance plans offer financial coverage for hospitalisation, vaccination, screening, consultations, and other necessary treatments.

Also Read: Coronavirus Health Insurance Explained

Does Reliance Health Insurance
Cover COVID-19?

At Reliance General Insurance, we are at the forefront of providing carefully designed health insurance policies that offer excellent COVID-19 coverage.

All our policies, including Health Gain Insurance, Health Global Insurance and Health Infinity Insurance, come with extensive coverage for the treatment of Coronavirus.

Additionally, Reliance General offers two specialised COVID-19 insurance policies:

Corona Kavach Policy

Corona Rakshak Policy

An indemnity-based health plan covering hospitalisation expenses due to COVID-19.

Top Features:
  • Coverage for hospital charges, including ICU, ventilator and PPE kits.
  • Sum insured ranges from ₹50,000 to ₹5,00,000.
  • Includes pre and post-hospitalisation expenses.
  • Available for individual and family floater plans.
A benefit-based plan providing a lump sum amount upon COVID-19 diagnosis and hospitalisation.

Top Features:
  • Lump sum payment of the sum insured if hospitalised for more than 72 hours.
  • Sum insured ranges from ₹50,000 to ₹2,50,000.
  • No renewability; single premium payment.
  • Suitable for sole earners needing income replacement.

How To Pick The Best
Health Insurance in India?

Buying health insurance is one thing, and having the best health insurance policy is another. Your accessibility to quality healthcare and financial security depends on your health insurance policy.

Hence, it becomes critical to choose your policy wisely. But how? Here are the tips:

Determine Your Requirements

As a first step, evaluate your coverage needs and budget. This will ensure that you buy an insurance plan that offers optimum coverage without burning a hole in your pocket.

Compare Multiple Plans

Instead of purchasing the first policy you find, consider comparing multiple health insurance plans. This will help you select the best policy with suitable features and premiums.

Use Premium Calculators

The best insurance policy is the one that offers maximum benefits at minimum cost. You can utilise a health insurance premium calculator to estimate your policy premiums.

Understand Policy Terms

Before making your final decision, review the policy features and terms and conditions. This will ensure that you don’t miss out on any important health insurance benefits.

Check Pre-existing Disease Coverage

The best health insurance plans offer coverage for pre-existing health conditions. If you have any condition that may require immediate attention, prefer a policy that includes coverage for it.

Work with a Reputable Insurer

Above all, the best medical insurance plans are curated by the most reliable insurance companies. Working with a trusted provider like Reliance will ensure a stress-free healthcare experience, quick claims, and affordable coverage.

Also Read: A Guide to Comparing and Choosing the Perfect Health Insurance

Difference between
Health Insurance and Medical Insurance Plans

Health insurance and medical insurance are often used interchangeably but serve different purposes.

Health insurance plans and medical insurance are often used interchangeably but serve different purposes. Here are the main differences:

Key Aspects Health Insurance Policy Medical Insurance Policy
Scope of Coverage Covers medical treatment and preventative care, including check-ups, screenings, diagnostics and hospitalisation. Limited to illnesses and accidental injuries, covering diagnostics, hospitalisation, medications and surgeries.
Premium Higher premiums due to broader coverage. Generally, lower premiums calculated based on specific coverage.
Sum Insured Depends on the extent of coverage. Calculated based on the policy's coverage.
Flexibility in Coverage Option to change coverage, policy duration, add riders, etc. Lower to nil flexibility
Hospitalisation Not mandatory to claim benefits, such as OPD cover, daycare cover, etc. Hospitalisation is mandatory to file claims
Claim payment As per the coverage and the hospital bill amount Lump sum payment to cover the cost of treatment
Add-ons Available Not Available

Factors You Should Consider Before
Buying a Health Insurance Policy

Choosing the right health insurance policy requires careful consideration of several key factors to ensure you get the best coverage for your needs.

Here are some essential aspects to keep in mind while selecting a health insurance plan:

Coverage Requirements

Assess your health needs based on your current health condition and lifestyle. Decide if you need an individual, senior citizen or a family health insurance policy.

Reliance General offers comprehensive health insurance tailored to meet the diverse health needs of individuals, families, senior citizens and groups.

Affordable Premiums

Choose a policy with budget-friendly premiums that won't impose additional financial burdens on you.

Reliance General offers affordable insurance policies with premiums starting at Rs 243/month*. Use our online calculator to find the most affordable coverage option.

Sum Insured Amount

Ensure the sum insured aligns with your coverage needs, including current as well as potential future medical expenses.

Reliance General offers flexible sum insured options, including an option to increase coverage. The 100% cumulative bonus can also significantly boost the sum insured.

Claims Settlement Ratio

Opt for an insurer with a high claims settlement ratio and quick claim processing to ensure stress-free health insurance claims.

Reliance General offers a 100% claims settlement ratio and a super-fast process, ensuring your claims are handled efficiently and promptly.

Inclusions and Exclusions

Carefully review what is included and excluded in the policy to ensure it covers your potential medical needs.

>Reliance General offers transparent health insurance policies with clear inclusions and exclusions, covering a wide range of medical conditions.

No Co-Payment

Co-payment is the part of the total hospital bills that you pay yourself. To reduce your out-of-pocket expenses during claims, choose plans with lower/voluntary co-payments.

Reliance General offers no mandatory co-payment, with voluntary co-payment options available for premium reduction. You choose how much you pay.

Lifetime Renewability

Ensure your policy can be renewed for a lifetime to provide continuous coverage as you age.

Reliance General offers lifetime renewability of health insurance to ensure long-term protection.

No Sub-Limits on Room Rent

Check for health insurance policies without sub-limits on room rent to avoid additional out-of-pocket expenses.

Reliance General offers no sub-limits on room rent, allowing you to choose the best care without financial worries.

Shorter Waiting Time for Pre-Existing Diseases

If you have pre-existing diseases, check the waiting period before coverage for your specific condition starts. Opt for a health insurance policy with a lower waiting period.

Reliance General offers reduced waiting periods for pre-existing diseases, ensuring quicker access to necessary treatments.

Also Read: Choose The Health Insurance Policy That Best Suits You

Eligibility Criteria for a
Reliance Health Insurance Plan

Health Insurance Eligibility Specifications
Age (Adults) Adults - 18 years to 65 years.
Dependent children - 91 days to 25 years.
Initial Waiting Period 15-30 days
Policy Period Available for 1 year, 2 years and 3 years.
Pre-medical Screening May be required based on the insurance plan.

Note: For detailed eligibility criteria of Reliance Health Insurance, kindly refer to the brochure of the specific health insurance plan.

How to Buy
Reliance Health Insurance?

Reliance offers a seamless and hassle-free online health insurance purchase process. Additionally, you get up to 40%* off on your policy premium when you buy health insurance online with Reliance.

  • On the Health Insurance page, input your mobile number, name and pin code. Click on ‘View Prices’.
  • Choose who you wish to cover - Self, Family, Parents or In-Laws. Provide all the necessary information.
  • Choose the type of coverage - Hospitalisation, OPD, Maternity, Global, Top-up, etc.
  • Choose your Sum Insured, Add-ons, policy tenure and other coverage options.
  • Input all the personal details and pay the applicable premium.
  • What Is the Waiting Period In
    Health Insurance Policy?

    The waiting period in a medical insurance policy is the time frame during which the policyholder cannot claim benefits for certain medical conditions.

    This period begins from the policy's start date and is designed to prevent misuse of the insurance coverage.

    Types of Waiting Periods

    Initial Waiting Period

    The initial period after the mediclaim policy starts, during which no claims, except for accidental injuries, are covered.

    Reliance General Advantage: Reliance General Insurance offers a short initial waiting period of just 15 to 30 days, ensuring that you can access healthcare benefits sooner.

    Pre-existing Disease Waiting Period

    The time during which treatments for pre-existing conditions are not covered, typically ranging from one to four years.

    Reliance General Advantage: Reliance General provides competitive waiting periods for pre-existing conditions, enabling quicker access to critical coverage.

    Specific Ailments Waiting Period

    A separate waiting period for certain diseases or treatments, often around two years.

    Reliance General Advantage: The respective health insurance policy clearly outlines any specific ailments with additional waiting periods, ensuring transparency.

    Reliance General health insurance policies ensure you can start benefiting from your policy much sooner. This quick access reduces the financial burden and stress, ensuring you get the best possible healthcare at the earliest.

    Documents Required to
    Buy Health Insurance

    Whether you buy health insurance online or in person, you need to submit a few documents at the time of making the final purchase. The insurance providers require these documents to verify your age, identity and income details.

    Health Insurance Documents Type Details and Examples
    Age Proof Valid documents to verify your age:
    • Birth Certificate
    • Passport
    • Aadhar Card
    • Driving Licence
    • Voter ID Card
    Identity Proof Documents to confirm your identity:
    • PAN Card/Form 60 (Mandatory Document)
    • Passport
    • Driving Licence
    • Aadhar Card
    • Voter ID Card
    Address Proof Documents to verify your address:
    • Aadhar Card
    • Ration Card
    • Passport
    • Rental Agreement
    • Utility Bills (e.g., electricity, water, piped gas)
    Medical Reports Previous medical reports may be required based on the type of medical insurance plans you choose.
    C-KYC Process Completion of the Central Know Your Customer (CKYC) process as per AML guidelines issued by IRDAI.

    Important Notes:

    • Ensure that all information provided when you buy health insurance online is accurate and complete to avoid issues in availing benefits.
    • Specific health insurance document requirements may vary based on the policy and coverage.
    • Contact Reliance General Insurance for detailed requirements and assistance.

    Benefits of Buying
    Health Insurance Online

    Highly Convenient

    Buying online health insurance eliminates the need for scheduling appointments and visiting physical locations. Reliance General Insurance offers a user-friendly platform that makes it easy to navigate and explore health insurance from the comfort of your home.

    Instant Policy Issuance

    When you buy health insurance online, you receive immediate confirmation and issuance of your policy. This allows you to start enjoying coverage benefits without the waiting period associated with traditional paperwork processes.

    Attractive Discounts

    Online purchases often come with special discounts and offers. For instance, Reliance General health insurance provides up to 40% discounts on policies purchased online, ensuring you get the best value for your investment.

    Easy Comparison

    The online platform allows you to compare multiple health insurance plans side-by-side. This helps you make an informed decision based on your budget and coverage needs, ensuring you select the best plan for your requirements.

    Zero Paperwork

    Online health insurance eliminates the hassle of managing physical documents. All necessary documents, including policy papers, are sent directly to your email and stored online, making it easy to access them whenever needed.

    Protected Payments

    With a variety of secure online and digital payment modes available, purchasing and renewing your health insurance policies is safe and convenient. This ensures that all transactions are protected without the need for cash or checks.

    Quick Access

    You can easily customise your health insurance plans, calculate premiums, add or remove members and check coverage details online. This quick access to policy management tools simplifies the entire process.

    24/7 Availability

    Our online health insurance platforms are available round-the-clock, allowing you to purchase and manage your policy at any time, from anywhere. This flexibility removes the dependency on office hours or physical visits.

    Transparent Process

    Detailed information about each plan is available online when you buy health insurance online, providing full transparency. You can easily access policy documents, terms and conditions, ensuring you are fully informed before making a decision.

    Advantages of Purchasing
    Health Insurance at a Young Age

    A common misconception is that health insurance is only necessary for the elderly or those prone to critical diseases. In reality, young buyers stand to gain the most from health insurance.

    Here are the key benefits of purchasing a health insurance policy at a young age:

    Lower Premiums

    Young individuals are considered low-risk by health insurance companies due to fewer health issues. Consequently, young buyers enjoy significantly lower premiums compared to older individuals.

    No Mandatory Health Check-ups

    Purchasing a health insurance policy early often exempts you from pre-health check-ups, as health insurance companies assume young people are less likely to have major health concerns.

    Complete Waiting Period Sooner

    Many health insurance plans, especially those covering critical illnesses, come with waiting periods. By buying insurance early, you can complete these waiting periods sooner, ensuring coverage when you need it most.

    Tax Benefits

    Health insurance premiums are eligible for tax deductions under Section 80D of the Income Tax Act. This can reduce your tax liability and provide financial savings for an extended period.

    Coverage for Future Medical Conditions

    Lock in your health insurance coverage now to avoid higher premiums or denial of coverage due to future medical conditions. This ensures peace of mind and financial security as you age.

    Financial Security

    Early health insurance purchase allows for better financial planning and management, knowing that your medical expenses are covered, thus protecting your investments and savings.

    Why Compare
    Health Insurance Plans Online?

    When you compare medical insurance plans online, you ensure that you get the best coverage, value for money and peace of mind, knowing that your health and finances are well-protected.

    Explore Multiple Options

    At Reliance, we offer an extensive range of health insurance plans. Comparing these plans online allows you to evaluate critical factors such as coverage, premiums, sum insured, inclusions and exclusions. This helps you choose a plan that perfectly matches your needs.

    Find Affordable Solutions

    Premiums are a significant consideration when purchasing health insurance. By comparing multiple plans using the calculator, you can identify the one that offers the necessary features within your budget, ensuring cost-effective coverage.

    Save Time and Effort

    Comparing insurance plans online streamlines the decision-making process. Instead of individually researching each policy, you can quickly evaluate and select from a few shortlisted plans, saving valuable time and effort.

    Access Comprehensive Information

    Online comparison provides detailed information about each plan, including benefits, limitations and customer reviews. This transparency helps you make a more educated decision.

    Make Informed Decisions

    Health insurance is an investment, not an expense. Comparing plans online enables you to make a well-informed choice. This ensures that your hard-earned money is invested in the best possible product.

    Benefit from User-Friendly Tools

    Online tools and health insurance calculators can assist in estimating premiums, comparing coverage options and understanding policy benefits. All these make the process more straightforward and user-friendly.

    Also Read: How to Compare Health Insurance Online.

    Factors That Affect
    Health Insurance Premiums

    Understanding the factors that influence health insurance premiums is crucial to making informed decisions about your coverage. These factors determine the cost of your policy and can help you choose a plan that fits your budget and needs.

    Here are the key elements that impact health insurance premiums:

    • Age

      Younger policyholders typically enjoy lower health insurance premiums due to their lower risk of hospitalisation and care. Conversely, older individuals face higher premiums due to increased health risks and a greater likelihood of requiring medical attention.

    • Medical History

      Your current health status and medical history significantly impact your insurance premiums. Individuals with a history of serious medical conditions will generally face higher premiums compared to those with a clean medical background.

    • Sum Assured

      Higher coverage amounts typically result in higher premiums due to the increased financial risk to the insurer. Conversely, lower coverage amounts will mean lower premiums, offering basic protection.

    • Type of Health Insurance Plan

      Comprehensive policies, which offer broader coverage and additional benefits, come with higher premiums compared to basic health insurance plans. Similarly, adding optional coverage increases the premium, providing extra protection at an additional cost.

    • Lifestyle Factors

      Lifestyle choices such as smoking, alcohol consumption and sedentary behaviour are considered when calculating premiums. Poor lifestyle habits increase the risk of serious health issues like cancer, diabetes and obesity, leading to higher premiums.

    • No Claims Bonus (NCB)

      Policyholders who do not make any claims during a policy year are eligible for a No Claims Bonus, which provides discounts on premiums at the time of renewal. This bonus can significantly reduce your premium costs, rewarding you for maintaining good health.

    • Geographical Location

      The cost of healthcare services varies by location, affecting premium rates. Urban areas with higher medical costs often lead to higher health insurance premiums compared to rural areas, reflecting the differing costs of medical services.

    • Policy Term

      Longer policy terms might come with discounts, reducing the overall health insurance premium cost. Multi-year policies can be more cost-effective in the long run, offering stability and financial benefits over time.

    • Add-on Benefits

      Additional coverages such as critical illness riders, maternity benefits and OPD treatments increase the premium amount. These add-ons provide extra protection but at a higher health insurance cost.

    • Family Medical History

      If your family has a history of certain hereditary conditions, your premiums might be higher due to the increased risk of developing similar health issues. This factor helps insurers assess potential future health risks.

    • Occupation

      Jobs involving high-risk activities or exposure to hazardous environments can result in higher premiums due to the increased risk of injury or illness. Occupation-related risks are factored into the premium calculations to ensure adequate coverage.

    Understanding these factors can help you make informed decisions when choosing a health insurance plan.

    At Reliance General Insurance, we provide detailed information and assistance to help you select health insurance that fits your needs and budget, ensuring comprehensive coverage at competitive premiums.

    Also Read: Renew your health insurance the smart way

    How to Calculate
    Health Insurance Premiums?

    A health insurance calculator is the best way to estimate your health insurance premiums. It takes factors like your age, type of policy, add-ons, health conditions, etc., to determine your health insurance premium amount.

    At Reliance General Insurance, you need to perform only three steps to calculate your payable premiums:

    • Step 1: Visit www.reliancegeneral.co.in and navigate to the Health Insurance page.
    • Step 2: Enter your details such as age, phone number, etc.
    • Step 3: Enter other requested information, such as the individuals you want to insure, coverage you need, add-ons you wish to include, etc., and click Get Price.

    Once that’s done, you will be able to see the estimated insurance cost along with available discounts on your chosen policy.

    How to Reduce
    Health Insurance Premiums

    Reducing your health insurance premium is possible by making smart choices and leveraging available features.

    Here are some effective tips to lower your premium amount:

    Go for Higher Co-Payment

    Opting for higher co-payment/deductibles can significantly reduce your monthly premium. Co-payment is the portion of medical expenses you pay out-of-pocket before your insurance kicks in. The higher the co-payment, the lower your premium.

    Use the Premium Calculator

    Utilise Reliance General Insurance’s health insurance premium calculator on our website. This tool helps you customise your plan, choose suitable deductibles and add or remove features to find the most budget-friendly medical coverage.

    Purchase Early

    Buying a health insurance plan at a younger age ensures lower premiums. Younger individuals are considered lower risk by insurers, resulting in more affordable premiums. With Reliance General, the minimum age limit for adults is 18 years.

    Compare Multiple Plans

    Use Reliance General Insurance’s online resources - brochures, plan documents, etc. - to compare different health insurance plans. By evaluating various options, you can select a plan that offers the best medical coverage at the most affordable premium.

    Leverage Online Discounts

    Online purchase offers special rates and promotions, reducing the overall premium cost. Purchasing your health insurance policy online through Reliance General Insurance can earn you discounts up to 40%.

    Choose Add-ons Wisely

    While add-ons enhance your health insurance coverage, they also increase the premium. Evaluate your needs and select only those add-ons that are necessary, to keep your premium low.

    Health insurance
    Claim Procedure

    At Reliance General, we stand out for our quick and promising claims settlement process, with over ₹6,921 crores* paid in claims and a claims settlement ratio as high as 100%*.

    Health Insurance Claims Process For Cashless Claims

    • Register Your Claim: Inform our health insurance claims team soon after you are prescribed hospitalisation by calling (+91) 4890-3009, via email or Reliance Self-i application.
      You will need to submit a few documents for claims approval.

    • Visit Any Hospital for Cashless Treatment: Once your claim is approved, you can visit any hospital for cashless treatment.
      Reliance health insurance offers Cashless Everywhere for worry-free cashless treatment at a hospital near you.

    • Settle Your Claims Via Hospital’s TPA: After your treatment is complete, the TPA desk of your chosen hospital will contact us and send us your medical bills.
      Our claims team will collaborate with the hospital to settle your invoices as per the policy terms.

    Medical Insurance claims Processing Steps For Cash Reimbursement Claim

    • Register Your Claim: Inform our health insurance claims team soon after you are prescribed hospitalisation by calling (+91) 4890-3009, via email or Reliance Self-i application.
      You will need to submit a few documents for claims approval.
    • Undergo Treatment: After your claim is registered, you can get treatment at any hospital of your choice.
    • Make the Payment: For a reimbursement claim, you have to pay for the treatment from your pocket. Therefore, make the necessary payment and request invoices.
    • Submit Your Documents for Reimbursement: Within 7 days of discharge, submit a scanned copy of all your health insurance documents and medical bills to our claims team.

    Once the documents are received and verified, we will release your reimbursement amount as per the inclusions of your health insurance plan.

    How to Renew
    Health Insurance Online?

    At Reliance General Insurance, health insurance renewal is quick and easy. Whether you want to renew your mediclaim insurance or any other policy, you can do so online on our website as well as on the Reliance Self-i app:

    On the website:

    • Step 1: Go to our homepage > Renewal > Health Insurance. Alternatively, click here.
    • Step 2: Enter your health policy number along with its expiry date.
    • Step 3: Click “Go” and follow the payment instructions.

    On the Reliance Self-i App:

    As an existing customer, you can have uninterrupted and seamless access to all your policy details via our Reliance Self-i app.
    You can quickly renew your health insurance policy with a tap. Download our app today and streamline all your policy requirements.

    Also Read: How to Renew Expired Health Insurance Policy with Reliance?

    Reliance General Health Policy vs Other
    Market Health Insurance Plans

    Key Features Reliance General Health Insurance Plans Other Insurance Plans
    Starting Premium Rates ₹243* ₹300 - ₹500
    Initial Waiting Period Minimum 15 days Minimum 30 days
    Claims Settlement Ratio 100%* 85% to 95%
    Guaranteed Cumulative Bonus Up to 100% May or may not be available
    Critical Illness Cover No pre-screening required Usually required
    Pre-policy Check-up Not required up to 55 years Usually required
    Unlimited Reinstatement Available May or may not be available based on the plan
    Co-payment Optional Fixed co-payment
    Room Rent Limit No Limit Pay extra to upgrade
    Covid-19 Coverage All Plans Selected Plans

    Regular Health Insurance Plan Vs Group
    Health Insurance India: Which is Better?

    Purchasing health insurance is not as easy as buying any other product. Several factors need to be considered to make an informed decision. One of the most anticipated questions among insurance seekers is: should I purchase a regular health insurance policy or a group health insurance plan?

    A group health insurance plan, as the name suggests, is designed to cover the medical expenses of a group of individuals. They can be purchased by employers, teams or a larger group of people. They come with a higher sum insured which is shared among the group members.

    On the other hand, regular health insurance plans are purchased to cover the medical needs of a person or a family - individual mediclaim policy or family-floater health insurance.

    Such plans offer dedicated medical coverage that can be further customised to meet the unique needs of the individual or the members of the family.

    Whether you need an efficient group health insurance plan or a smartly curated regular health insurance policy, you can purchase your desired health insurance solution at Reliance General Insurance.

    We offer affordable plans, fast claims settlement and the peace of mind you deserve.

    Key Differences Between Individual and Group
    Health Insurance India

    Factor Regular Health Insurance Plan Group Health Insurance Plan
    Coverage Offers individual coverage tailored to the policyholder’s specific health needs. Provides coverage for a group of individuals, such as employees or teams.
    Customisation Highly customisable to include various add-ons and riders based on personal requirements. Limited customisation as it is designed to cater to the common needs of the group.
    Sum Insured Sum insured is specific to the individual and can be chosen based on personal health risks and needs. Higher sum insured shared among all group members, which may result in lower individual coverage during claims.
    Premiums Premiums are generally higher as they are based on individual health risks, age and medical history. Typically lower premiums as the risk is spread across the group, often subsidised by the employer or group organiser.
    Pre-existing Conditions May include a waiting period for pre-existing conditions. Often includes coverage for pre-existing conditions with minimal or no waiting period.
    Add-ons Wide range of add-ons available such as critical illness cover, maternity benefits and OPD cover with Reliance health insurance policy. Limited add-ons, usually focused on essential coverage due to the standardised nature of the plan.
    Portability Individual plans can be ported to another insurer, maintaining continuity of benefits. Typically, not portable if the policyholder leaves the group or changes employment.
    Renewability Renewable for life, ensuring continuous coverage. Coverage continues as long as the individual remains part of the group; may end with employment termination.
    Tax Benefits Premiums paid are eligible for tax deductions under Section 80D of the Income Tax Act. Premiums paid by the employer may not qualify for individual tax benefits.
    Claims Process Direct interaction with the insurance company for claims, which may offer a more personalised experience. Claims are usually handled through the employer or group administrator, which may streamline the process but reduce personal interaction.
    Dependents Coverage Coverage for dependents (spouse, children, parents) can be added at an additional cost. Automatically includes coverage for dependents in some cases, depending on the group policy terms.
    Eligibility Available to any individual meeting the insurer's criteria. Only available to members of the specific group, such as employees of a company or members of an organisation.

    Ensuring the health and well-being of our ageing parents is a top priority. Investing in a separate parents health insurance for them is one of the best ways to secure their medical needs. While family floater plans cover the entire family, having a dedicated policy for your parents offers several significant benefits.

    Firstly, a separate health insurance policy provides tailored coverage specifically designed to meet the increasing healthcare requirements of seniors.

    As parents age, their risk of health issues rises, leading to more frequent hospitalisations, surgeries and routine check-ups. A dedicated policy ensures that these expenses are adequately covered without impacting the sum insured for the rest of the family.

    Moreover, separate health insurance for parents allows for customisation to address specific medical needs. You can choose a plan that includes benefits such as coverage for pre-existing conditions, shorter waiting periods and specialised treatments that are more relevant to older adults.

    Reliance General Insurance’s Health Infinity Insurance is an excellent option, offering a high sum insured of up to ₹5 crores. This plan efficiently covers a wide range of medical expenses, ensuring comprehensive protection.

    Additionally, by opting for a separate policy, you can benefit from reduced waiting periods and enjoy discounts of up to 35% on premiums.

    Why You Need a Separate

    Most Popular Myths
    About Medical Insurance

    Myth #1: You don’t need health insurance if you are fit and healthy

    Health insurance is not just for when you're unwell; it's a financial safety net for unforeseen emergencies. Even if you are currently healthy, having health insurance helps manage potential future health issues, ensuring you are prepared for unexpected medical expenses.

    Myth #2: Medical insurance plans don’t cover pregnancy

    Contrary to popular belief, many health insurance policies offer comprehensive maternity coverage. At Reliance General Insurance, our Maternity add-on provides coverage up to ₹2 lakhs, including pre and postnatal care and childbirth expenses.

    Myth #3: Insurance companies cover your entire expenses.

    No insurance policy covers 100% of your treatment costs. Policyholders are usually required to pay a portion of the expenses through deductibles or co-payments. Understanding your policy’s terms can help manage these out-of-pocket costs effectively.

    Myth #4: Online health insurance purchases are not secure.

    Purchasing health insurance online is safe, easy, and cost-effective. At Reliance General Insurance, you can buy insurance in minutes with discounts of up to 40%. Our secure online platform ensures your personal information is protected throughout the process.

    Common Health Insurance
    Terms Simplified for You

    Add-ons

    Add-ons, or riders, are additional features that can be added to your health insurance policy for enhanced benefits. Popular add-ons include critical illness cover, maternity cover and OPD cover.

    Ambulance Cover

    Ambulance cover refers to the insurance coverage for transportation costs to the hospital in an ambulance during medical emergencies.

    Cashless Claims

    Cashless claims allow you to receive treatment without upfront payment at network hospitals. The insurer settles the bill directly with the hospital.

    Co-payment

    Co-payment is the fixed percentage of total medical expenses that the policyholder must pay out-of-pocket. The insurance provider covers the remaining costs. The co-payment percentage varies by provider.

    Critical Illness

    Critical illnesses are life-threatening conditions such as cancer, cardiac ailments and kidney problems. Health insurance providers offer critical illness covers to protect against these conditions.

    Deductibles

    Deductibles are the portion of medical expenses that you must pay before the insurance company covers the remaining costs.

    Inclusions & Exclusions

    Inclusions are the health conditions and scenarios covered by the mediclaim policy, while exclusions are the conditions not covered by the plan.

    Network Hospitals

    Network hospitals are healthcare facilities empanelled by your insurance provider where you can avail of seamless and streamlined cashless treatment.

    No Claims Bonus (NCB)

    NCB is a reward for not making any claims during a policy year. It can be availed as discounts on premiums or additional sum insured with mediclaim policy renewal.

    Pre-Existing Disease

    Pre-existing diseases are health conditions that exist at the time of purchasing the health insurance policy. These conditions often result in higher premiums due to the increased risk.

    Premiums

    Premiums are the amounts you pay the insurance company to maintain your health insurance coverage. Premium rates depend on factors like age, coverage needs and health status.

    Sum Insured

    The sum insured is the maximum amount of coverage provided by the health insurance policy for medical expenses.

    Top-up Plans

    Top-up plans act as supplementary coverage for your existing health insurance policy. They come into effect when the sum insured limit of the base policy is exhausted.

    Waiting Period

    The waiting period is the time after purchasing the health insurance during which claims cannot be made. It typically ranges from 30 days to 4 months, depending on the policy and conditions.

    Frequently Asked Questions
    on Health Insurance

    • Yes, you can have multiple health insurance plans to get comprehensive coverage and a range of benefits. This allows you to spread out the premiums and ensure broader coverage.

    • The waiting period is the time during which you cannot make claims on your health policy. You must complete this period to start availing the benefits.

    • For individual plans, the mediclaim policy terminates upon the policyholder's death, but claims can be filed for hospitalisations occurring before death. In family floater plans, the coverage and sum insured are shared by the remaining members.

    • Pre-existing conditions are health issues diagnosed before purchasing the insurance. These conditions may attract higher premiums and have specific terms for coverage.

    • Coverage for alternative treatments depends on the insurance provider and the specific plan. Reliance General Insurance covers AYUSH treatments (Ayurveda, Yog, Unani, Siddha and Homeopathy) in our health insurance plans.

    • Reliance General health insurance plans offer maternity coverage as an add-on. Coverage details and amounts vary by plan. Get in touch with us for more details.

    • Yes, employer-provided group health policy often comes with limited coverage. Also, you may lose the coverage if you leave your current employer. An individual plan can provide additional benefits and higher coverage. Additionally, you have a higher freedom to curate the plan for your unique needs.

    • With a family floater plan, you can cover yourself, your spouse, dependent parents and children. Reliance General Insurance also allows coverage for dependent in-laws.

    • Yes, if your parents are above the age of 60, you should buy a separate senior citizen health insurance to ensure targeted coverage for their unique health and insurance needs.

    • Health insurance premiums are based on factors like age, medical condition, medical history, type of coverage, add-ons, etc.

      You can use our online health insurance calculator to quickly and seamlessly calculate your health insurance premium.

    • Yes, you can use Reliance General Insurance’s online premium calculator to estimate costs based on your age, coverage and other factors. We offer a user-friendly premium calculator.

    • Higher deductibles/co-payments result in lower premiums and vice versa. Opting for higher deductibles/co-payments can reduce your premium costs.

    • Yes, some providers offer discounts on online purchases. Reliance General Insurance provides up to 40% discounts on premiums if you online.

    • Yes, health insurance premiums typically increase with age due to higher health risks.

    • Yes, many insurance providers, including Reliance General Insurance, allow monthly premium payments.

    • Cashless claims are quick and convenient, with no upfront payment required. At Reliance General Insurance, we offer ‘Cashless Everywhere’ with our health insurance plans. This way, you can enjoy the convenience of cashless claims without being restricted by network hospitals.

    • Required documents include health policy documents, ID proof, address proof, hospital bills and additional receipts as needed. You can Contact Us to know the exact list of documents needed for your claim.

    • A higher claims settlement ratio indicates efficiency in settling claims. Reliance General Insurance boasts a CSR of 100%.

    • Cash reimbursement claims typically take 3-4 months, while cashless claims are settled within a few days. Reliance General Insurance aims to settle claims within three months for reimbursement claims. Get in touch with us for more details.

    • If your health policy offers cashless hospitalisation, you can get treatment at network hospitals. You may still need to pay deductibles, co-payments and costs beyond coverage limits.

    • YoYes, you can easily renew your health insurance plans online. Reliance General Insurance offers quick online health insurance renewal with just a few details.u

    • Most providers offer a grace period of 30 days from the expiry date to renew your mediclaim policy without penalties. Failing to renew during this period may result in policy termination.

    • Yes, you can adjust your policy or switch to a different plan during health insurance renewal. Assess your medical coverage needs and make necessary adjustments.

    Find your Nearest Cashless Hospital

    Cashless Network

    Health Insurance

    Policy by Reliance A decent policy by Reliance which covers hopitalization and helped me recover expenses.
    Good health insurance policy

    Mohan A

    Good health insurance policy

    12 December 2019, Kerala

    Good Health Insurance Policy It is a good health insurance policy which cover hospitalization and helped me avail cashless hospitalization
    Health insurance with cashless benefit

    Dino S

    Health insurance with cashless benefit

    13 February 2020, Hyderabad

    Health Insurance Plan I could select and customize the health insurance plan as per my needs. It was good to purchase the health insurance plan as needed.
    Customizable health insurance policy

    Chetan O

    Customizable health insurance policy

    5 February 2020, Vijayawada

    Insurance Policy I paid my own bills last year when I was admitted to the hospital and it was painful as I didn't had a health insurance policy
    User Name

    Himani S

    Don't miss health insurance

    14 January 2019, Bengaluru


    Health Policy Information I contacted your contact center for my Health policy information. The advisor was knowledgeable and was very helpful. He provided the required information of my policy. I am very Happy with Reliance General Insurance.
    Product Information

    Chirag

    Product Information

    08 June 2022, Haryana


    Experience with Reliance General Insurance My experience with Reliance General Insurance is excellent. I always use self-i application because all the options are available under one roof. Self-I is so userful that there is no need to call on contact center or take services from any other platform.
    HealthClaim Intimation

    Jayaprakash D. V

    HealthClaim Intimation

    29 March 2022, Karnataka


    Experience with Reliance General Insurance My experience with Reliance General Insurance contact center was amazing. I had requested for name change in my policy and the same was completed within promised time. Advisor was knowledgeable and explained complete process to me. I am very much satisfied with the services of your company.
    HealthClaim Intimation

    Sunil Kumar Saroj

    HealthClaim Intimation

    14 April 2022, Delhi


    Disclaimer:
    *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 multiple products such as Health Gain Health Insurance Policy UIN -RELHLIP21514V022021, Health Infinity Insurance UIN -RELHLIP21521V032021, Reliance Health Super Top Up UIN- RELHLIP21617V012021, Reliance Health Global UIN: IRDAN103RP0001V01202324, Corona Rakshak Policy, Reliance General Product UIN - RELHLIP21093V012021 and Corona Kavach Policy, Reliance General Product UIN -RELHLIP21092V012021.
    Premium: The premium mentioned is excluding taxes for single person agedbetween 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).
    Tax Benefits: 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.
    Claim settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
    Reliance Health Gain Discount: This is the maximum discount applicable for Health Gain excluding long term healthy discount (aggregate)
    Reliance Health Super Top Up Discount: Maximum discount applicable per for Reliance Health Super Top Up is 35%.
    Claims Paid: The claim amount paid mentioned above is for settlement of claims done across all Line of Business in FY 23-24 and are in lines with the data reported to IRDAI.

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