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Reliance Health Global Policy
A Health Policy Without Borders
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Reliance Health Global is an international health insurance policy that covers you globally by getting you the best treatment from the best hospitals anywhere in the world, including the US and Canada. It covers planned treatments like heart surgeries, joint or hip replacements, bone marrow transplants, neurosurgery, gene therapy, etc. It is your go-to international medical insurance plan for all your planned hospitalisations globally. Our policy provides comprehensive coverage for you and family by offering a Sum Insured of up to USD 1 million. It is also the first global health insurance policy that covers you for emergency and planned treatments within India by offering an unlimited Sum Insured^, which makes it one of the best international health insurance policies in the world. Additionally, you get access to 7 Lakh+ Medical Specialistsi to take care of your specific health needs. Reliance Health Global goes beyond just covering your hospitalisation expenses. It also covers travel and accommodation expenses for you and extends it to your companion and organ donor to help you focus on your treatment. Our overseas health insurance policy provides assistance with your visa and documentation too. It’s a complete package for all your global planned treatments.
Reliance Health Global is a truly international health insurance policy that offers benefits under four plans, Elite, Elite+, Royal and Royal+. It covers all specialised treatments+ including neurosurgery, bypass surgery, cancer, etc. You also get your travel and accommodation expenses covered. For more details, check out the table below to understand what you get with the Global Cover.
Covers medical expenses, including ambulance and organ donor expenses, when you’re hospitalised.
Covers expenses for pre and post-operative day care treatment in connection to your hospitalisation.
Covers medical expenses incurred from the date of arrival in the city of treatment up to 15 days or until the commencement date of pre-approved inpatient treatment, whichever is earlier.
Covers medical expenses incurred up to 30 days after hospitalisation.
Covers expenses for rehabilitation treatment like physical, occupational and speech therapy if the insured is injured during the policy period.
Covers expenses towards travel expenses incurred by the insured person, one accompanying companion and the living donor (only in the case of transplant) for the treatment of the insured person.
Cover expenses towards the expenses incurred by the insured person, one accompanying companion and the living donor (only in the case of transplant) on availing the accommodation in the city of treatment.
Covers expenses for transporting the mortal remains of the Insured back to India or for a local cremation/burial.
Covers the expenses for seeking an additional medical opinion from another medical practitioner if the insured is diagnosed with any of the illness specified in the policy.
Covers expenses for Visa processing and also assists in providing documentation-related information
Covers expenses incurred for Translation Services. Other Assistance Services offered are Transmission of Urgent Messages, Lost Passport Assistance, Consular Referral, Arrangement of Radio Taxi or Chauffer Services and Emergency Cash Assistance.
Our global health insurance policy also provides coverage in India through the Global+India Cover. It lets you enjoy all the features offered under your selected Global plan plus coverage for your planned and emergency hospitalisations in India. The India Cover has two plans, Basic and Comprehensive. Here’s a table for you to understand the India Cover better.
Your India Sum Insured is based on the Global Sum Insured you’ve opted for. For example, if your Global Sum Insured is $150K you’ll get a corresponding India Sum Insured of ₹1.5 Cr. If you have a $250K Global Sum Insured, you’ll get a ₹2.5 Cr India Sum Insured and so on and so forth.
Covers medical expenses, including consumables, when you're hospitalised.
Covers expenses for day care treatments mentioned in your policy.
An increase you get in your Sum Insured at the time of renewal if you didn't make any claims in the previous year
Covers expenses for home care treatments, including round-the-clock doctor visits.
Covers expenses for equipment or devices obtained for medical purposes and aid.
Covers a range of long-lasting medical equipment, including Wheelchairs, CPM Machine, Oxygen Concentrators, patient lifts and artificial limbs.
Covers a range of small medical equipment, which have limited useful lifetime. Examples are Spectacles, Medical Splints, Cervical Collar and Nebulizer.
Covers expenses incurred for Generalist Consultation, Specialist Consultation, Prescribed Diagnostic Tests, Pharmacy Bills, Alternate / Complementary Treatments, Physiotherapy and Dental Treatments.
Covers expenses for getting treated at home due to inability to go to a hospital or unavailability of hospital rooms.
Covers expenses for modern treatment methods listed in the policy.
Covers medical expenses incurred before hospitalisation.
Covers medical expenses incurred after hospital discharge.
Covers expenses for an organ donor's surgery donating his/her organ to the Insured.
Covers expenses for rehabilitation treatment connected to an injury like physical and speech therapy.
Covers the expenses for seeking an additional medical opinion from another medical practitioner.
Replenish your Sum Insured after exhausting it for a claim in a given Policy Year.
Covers expenses incurred for Tele-consultation, Booking of Health Check-ups, Arrangement of At-home Nurse and Emergency Helpline.
Covers expenses for using road ambulance services offered by a hospital or by an ambulance provider.
Covers expenses for using Air Ambulance services in emergency life-threatening situations.
Covers expenses for taking preventive and diagnostic medical tests listed in the policy.
Note: The maximum liability of Reliance General Insurance toward all claims under this policy will be limited to the Sum Insured.
12% Discount
Applicable on purchasing a 3-year policy and 7% for a 2-year policy
10% Discount
For existing Reliance General Insurance employees
5% Discount
For existing policyholders of RGI private car/health/long-term home insurance policy
Available exclusively if you buy this policy through our website
This benefit waives off the co-payment condition of 20% on the Assessed Claim Amount applicable on policies where the insured age, entering into the policy for the first time, is >=61 years
This benefit gives you a discount on your premium if you opt for a 10%/20% co-payment on your Assessed Claim Amount
This benefit reduces the pre-existing waiting period from 36 months to 12 and 24 months
Our global health insurance plan offers both cashless and reimbursement claims for Global Cover and Global+India optional cover. Any claims made abroad are settled by our Third-Party Administrator (TPA). Meanwhile, claims made in India are settled on a cashless basis if you get treated at a network hospital and on a reimbursement basis if you visit a non-network hospital.
Inform Reliance General Insurance about your decision to opt for planned hospitalisation or second opinion by writing to us, logging into the Reliance Self-i App or website or calling us.
Submit all relevant documents, including Final Diagnosis Paper and Consent Form, related to your medical condition to us to avail either second opinion or planned hospitalisation.
We’ll recommend network hospitals and you may select one among them for your planned hospitalisation. In case you’ve opted for a second opinion, we will contact you for the next steps.
All your medical reports will be shared with the selected network hospital and they will share a detailed medical opinion for you to review.
Review the medical opinion from the network hospital and if you’re satisfied with it, then you notify us about your willingness to receive treatment from them.
Our empanelled provider will organise the necessary logistical, Visa (subject to approvals), travel, accommodation and medical arrangements and issue a Preliminary Medical Certificate.
Once your treatment is done, the hospital will arrange your travel back to India. All bills will be directly settled between us and the hospital as per your policy’s terms & conditions.
Inform Reliance General Insurance of your hospitalisation by writing to us, logging on to the Reliance Self-i App or visiting our website or calling us on (022) 48903009 (Paid Number).
Submit all the relevant documents like health card, valid ID proof etc. to the network hospital. Our claims team will also coordinate with the hospital to process your claim.
Once your documents are verified and approved, the claims team will process your cashless claim with the hospital.
Contact Reliance General Insurance and share the medical documents immediately or within 30 days of your discharge via our website or through email.
Your claim will be approved once the claims team checks and verifies all the relevant documents.
Note: No Reimbursement option is applicable for Global Cover, unless the same is approved by Reliance General Insurance on a case-to-case basis.
Submit all the relevant documents related to your claim within 15 days of getting discharged from the hospital. The claims team will start processing it immediately.
Once your documents are verified and approved, the claims team will reimburse you for the medical expenses mentioned in your policy.
Following is a partial list of the policy exclusions in our international health insurance policy. Please refer to the policy wordings for the complete list of exclusions:
Specific Exclusions (Applicable to both Global Cover and India Cover)
Specific Exclusions (Applicable to Global Cover)
Specific Exclusions (Applicable to Global+India Cover)
A pre-existing disease is:
Diabetes and high blood pressure are some examples of a pre-existing disease.
Some medical procedures require you to shell out money before and after you are admitted to the hospital. That could be for medical advice or recovery from surgery. These costs are called pre- and post-hospitalisation costs.
OPD stands for Outpatient Department. It’s a facility where the Insured visits a clinic/hospital or associated facility like a consultation room for diagnosis and treatment based on the advice of a Medical Practitioner.
Your international health insurance plan lasts for 12 months from the start date of the policy. You can opt for a longer period by purchasing a two or three-year policy.
No, you need to pay only one premium amount to cover all your family members if you add them to a Family Floater Plan. Our international health insurance policy, Reliance Health Global, offers both individual and family floater plans.
You can pay your insurance premium by credit card, debit card, UPI and Net Banking.
Being an international health insurance plan, Reliance Health Global gets you benefits under two types of covers, Global and India Cover. Under these, you have planned treatments of various surgeries and treatments covered like Coronary Artery Bypass Graft Surgery, joint or hip replacements, bone marrow transplants, etc. You also have a high Sum Insured starting from $1.5 Lakhs and Rs.1.5 Cr for Global and India Covers respectively.
Reliance Health Global covers several medical expenses to take care of your overseas health insurance needs which include Inpatient Care (ICU charges, Nursing, Practitioner’s fees, related diagnostic tests), Pre and Post Hospitalisation expenses, Day Care Treatment, Rehabilitation Expenses, Travel Expenses, etc. A full list of inclusions is available in the Policy Wordings.
Travel Expenses is a benefit under Global Cover of Reliance Health Global. It covers the expenses of travelling from your home in India to the airport, an Economy class flight ticket and travel from the destination country’s airport to the hospital or place of stay. It also covers your return journey to India. Travel Expenses is one of the important benefits of our international health insurance plan.
Yes, your international health insurance is active from the day it is issued. However, there is a 90-day and 30-day waiting period for Global and India Cover respectively for the treatment of any illness.
Yes, our global health insurance plan has optional covers like Waiver of Co-payment and Change in Pre-Existing Disease Waiting Period. A full list of covers is available in the Policy Wordings.
There are two types of covers in our global health insurance plan, Global Cover and Global+India Cover. Under Global Cover, your planned treatments outside India are covered. Under Global+India Cover, planned treatments and emergency hospitalisation are covered in India along with planned treatments abroad.
The Global Cover is the primary offering under Reliance Health Global that covers all your planned treatments abroad. It covers inpatient treatment, pre and post-hospitalisation expenses, expenses for 12 major illnesses, travel expenses, accommodation expenses, etc. It is what makes Reliance Health Global a truly global health insurance policy.
Reliance Health Global offers the option to take care of your domestic medical needs too with the Global+India Cover. While the Global Cover acts as your international health insurance policy for planned treatments abroad, the addition of an India Cover will take care of planned treatments and emergency hospitalisation within India.
Assistance Services is a benefit under Global Cover that covers expenses incurred for Translation Services. It also provides assistance services such as Transmission of Urgent Messages, Lost Passport Assistance, Consular Referral, Arrangement of Radio Taxi or Chauffeur Services and Emergency Cash Assistance. This is a vital benefit in an overseas medical insurance as it will make your planned treatments abroad that much more smoother.
Under the Global+India Cover, you can opt for any kind of hospital room for treatments in India since there is no cap on the room rent.
Yes, it is available in the Comprehensive Plan under India Cover. It covers expenses incurred for Generalist Consultation, Specialist Consultation, Prescribed Diagnostic Tests, Pharmacy Bills, Alternate/Complementary Treatments, Physiotherapy and Dental Treatments.
Yes, it is covered in the Comprehensive Plan under India Cover. You can avail of this benefit starting from the second consecutive policy year.
If, by chance, you haven't paid the renewal premium on your policy, you will no longer be covered. This shows that your global health insurance plan coverage has been discontinued. To avoid this, it is essential to pay the renewal premium before the due date. Please note we also provide you a grace period of 30 days to renew your policy.
Yes, you can make cashless claims for every hospitalisation if you get treated at a network hospital. At non-network hospitals, you will be reimbursed for the expenses incurred due to your hospitalisation.
You cannot avail of the cashless facility at a non-network hospital. However, you will be reimbursed for all the expenses you've incurred for your treatment.
Disclaimers:^Unlimited is not available under the Floater plan for Reliance Health Global’s India Cover | iThe number of specialists is part of our network and associates and the number is subject to revision | *Not applicable for unlimited India Sum Insured | ++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. | #Underwriter approval is required if the co-payment waiver is opted at the time of renewal | **Additional premiums or discounts will apply | ^^Maximum discount including Long-term discount is limited to 20% | +Applicable for Royal Plan and Royal+ Plan only | For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324
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