Health Insurance Features, Health care Insurance, Mediclaim Features, Family Health Insurance Benefits - Standard Plan - Reliance General Insurance.
Reliance
Reliance HealthWise Policy - Standard Plan 
Key Highlights - Standard Plan
  • Rs. 2 lakh cover for a family of two at Rs. 3353 per annum
  • 24 x 7 cashless facility and TPA support
  • No medical check-up for persons upto 45 years of age with clean medical history 
  • Income Tax benefit under Section 80 D
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Features

Access to quality healthcare is a necessity today. The Reliance HealthWise Policy ensures you provide the best medical care to your family. We offer a health insurance policy that gives you the optimum value for money without compromising on the quality of medical attention. This medical insurance policy provides you with all the basic benefits of a health insurance policy along with benefits like Ambulance Charges, Coverage of Pre-Existing Diseases after 4 years, Day Care treatment etc. This Health Insurance Policy also offers a Family Floater Benefit for the entire family.

 

Key Advantages

 

Affordable Health Insurance Premiums

  • We offer premiums as low as Rs.3353 p.a., for a Sum Insured of Rs. 2 lakhs, for a couple.
  • The Family Floater benefit covers the entire family, ensuring that the cover is used optimally
  • Fresh Policies are available for people up to the age of 65 years.

 

Convenience all the way

  • No health checkups for persons upto 45 years of age with clean medical history.
  • A 24-hour cashless facility is provided at more than 4,000 hospitals across India.

 

The Reliance Advantage

  • Pre-existing illnesses covered after 4 years of continuous cover
  • We also provide you and your family with extended coverage for pre- and post-hospitalisation expenses
  • Renewal discounts of 5% of base premium on each claim free renewal, subject to a maximum of 20% reduction for all claim free period.
  • Reimbursement of upto 50% of the expenses incurred by proposer for required medical investigation, subject to acceptance of proposal and realization of premium cheque

 

Tax-wise

  • With the Reliance HealthWise Policy, you can avail of tax benefits under Section 80D of the Income Tax Act.

Know more about the Reliance HealthWise Standard Plan

 

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    • Hospitalisation Expenses – Incurred towards room and operation-theatre charges, doctors’ fees, cost of nursing, medical tests, medicines etc. 
    • Day-Care TreatmentMedical expenses towards day care treatments/surgeries where 24 hours of hospitalisation is not required subject to treatment/surgeries listed in the policy document.
    • Domiciliary Hospitalisation – All expenses related to a medical treatment, which is being administered at home, provided that (a) patients condition does not allow him to be shifted to a hospital; or (b) due to lack of accomodation at the hospital.
    • Pre- and Post-Hospitalisation – Medical expenses related to your treatment, 30 days before and 60 days after hospitalisation.
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    Reliance General Insurance strives to provide more than what is expected. Our value-added covers include:  
    • Reimbursement of charges towards local road ambulance services.
    • Expenses of an accompanying person at the Hospital/Nursing Home for a maximum of five days.
    • Reimbursement of cost of health check-up after four claim-free renewals.
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    In order to ensure that you do not face any unpleasant surprises when you make a claim, we would like you to know some of the major exclusions under the policy.
    • Any pre–existing illness for the first four years of the policy.
    • Specified illnesses for the 1st year.
    • Specified illnesses in the case of domiciliary hospitalisation.
    • Any disease contracted during the first 30 days from the time of inception of policy, unless due to an accident.
    • Treatment related to HIV / AIDS
    • Treatment due to abuse of alcohol or intoxicants.
    • Vaccination and inoculation.
    • Nuclear and war perils.
    • Naturopathy treatment.

    Eligibility

    Eligibility norms for this policy are:
    • Children above the age of 3 months and adults below the age of 65 years.
    • Children between 3 months and 18 years can be covered only if one or both parents are covered.
    • Maximum age to enter the Plan is 65 years. 
    • A single person opting for the policy has to be 18 years & above.
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    Continuity Benefits


    • Shall be available only if the Policy is renewed within 15 days from the previous Policy expiry date

     

    Renewal Premium


    • Renewal premium would be quoted as per the base premium chart with or without renewal discount based on the claim experience.
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