Health Insurance Features, Health care Insurance, Mediclaim Features, Family Health Insurance Benefits - Silver Plan - Reliance General Insurance.
Reliance
Reliance HealthWise Policy - Silver Plan 
Key Highlights - Silver Plan
  • Rs. 2 lakh cover for a family of two at Rs. 4679 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 Insurance 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. We offer you a medical health insurance policy that gives you the extra benefits as compared to any other health insurance policy around like Ambulance Charges, Nursing Allowance, Coverage of Pre-Existing Diseases after 2 years, Donor Expenses etc

 

Key Advantages

 

Affordable Health Insurance Premiums

  • We offer premiums as low as Rs.4679 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 60 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 2 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 Silver Plan

 
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Policy Coverage
    • 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, 60 days before and 90 days after hospitalisation.
    • Donor Expenses – All hospitalisation expenses incurred by the donor in case of major organ transplant are covered.
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Value Added Covers
Reliance General Insurance strives to provide more than what is expected. Our value-added covers include:
  • 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 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 60 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 60 years. 
  • A single person opting for the policy has to be 18 years & above.
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Renewal Features

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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