Health Insurance Features, Health care Insurance, Mediclaim Features, Family Health Insurance Benefits

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Policy Coverage

The coverage offered by Reliance HealthWise Policy includes:

Hospitalisation Expenses – Incurred towards- Hospital (room, boarding and operation theatre), Doctors & Nurses, Medical tests, Medicines, Blood, Oxygen, Appliances etc.
Day-Care Treatment – Medical 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 before and after hospitalisation for a specified number of days.
Donor Expenses – All hospitalisation expenses incurred by the donor in case of major organ transplant are covered (available only under Gold and Silver Plans).

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Value Added Covers

Reliance General Insurance strives to provide more than what is expected. Depending on the plan selected the value added covers available are:

Nursing Allowance for a maximum period of five days, on recommendation of the treating Medical Practitioner.
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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Exclusions

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 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.

Eligibility

Eligibility norms for this policy are:

Children above the age of 3 months and adults below the age of 65 years, based on the Plan selected.
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 years for Gold, 60 years for Silver & 65 years for Standard Plan respectively.
A single person opting for the policy has to be 18 years & above.

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