• Hospitalisation Expenses – The policy will cover expenses incurred for room and operation-theatre charges, doctors’ fees, cost of nursing, medical tests, medicines to name a few. 
• Day-Care Treatment – The health insurance policy will cover expenses incurred towards technologically advanced treatment that does not require hospitalisation for 24 hours.
• Domiciliary Hospitalisation – We also provide cover for treatment administered at home, subject to specified conditions.
• Pre- and Post-Hospitalisation – Reliance HealthWise Insurance Policy covers medical expenses for treatment up to 60 days before and up to 90 days after the hospitalisation, depending upon the plan selected.
• Donor Expenses – In the event of a major organ transplant, this policy uncer certain plans covers hospitalisation expenses incurred on the donor.

• Nursing allowance for a maximum of five days.
• Reimbursement of charges towards ambulance services
• Allowance for expenses of a person accompanying the insured, for a maximum of five days
• Reimbursement of cost of health check-up after four claim-free renewals.

• Any pre–existing illness for the first two years/ four years of the policy as per the plan selected.
• 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.

• 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 55 & 65 years for Silver and Standard Plan respectively.
• A single person opting for the policy has to be 18 years & above and can opt only for 5 lakh Sum Insured.

Continuity Benefits

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

Renewal Premium

• Renewal premium may change based on certain risk conditions or for certain habits/addictions etc., which may act as triggering factors for certain illnesses or for adverse and recurring claims or based on claim cost, identified in claims under expiring policy, by prior intimation to the customer, but not more than 100% of expiring premium in any case.