Reliance Health Insurance Policy Features
Seeing your family in the pink of health is your utmost priority. Yet, despite your best efforts, unexpected illness/ accidents do occur, that can take a toll on your savings. We offer you healthcare insurance with Reliance HealthWise policy that provides financial assistance to you and your family covers you against hospitalization expenses towards diseases / illness / injury in India along with a host of value added covers.
|
Particulars |
Standard |
Silver |
Gold |
|---|
| Min Premium for a Sum Insured |
Sum Insured |
Starting 2 lakh (for a couple) |
Starting 2 lakh (for a couple) |
Starting 2 lakh (for a couple) |
| Premium Amount |
Rs.3353 p.a |
Rs.4679 p.a |
Rs.6999 p.a. |
| Basic Covers |
Hospitalization Expenses |
√ |
√ |
√ |
| Domiciliary Hospitalization |
10% of Sum Insured under Hospitalization |
10% of Sum Insured under Hospitalization |
10% of Sum Insured under Hospitalization |
| Day Care Treatment |
√ |
√ |
√ |
| Pre Hospitalization |
30 days |
60 days |
60 days |
| Post Hospitalization |
60 days |
90 days |
90 days |
| Pre-Existing Diseases Coverage |
After 4th year |
After 2nd year |
After 2nd year |
Key Highlights
- Wider Sum Insured options and Family Floater Option
- Instant Policy Issuance through online and on call (1800 3002 8282) below 45 yrs of age
- Policy without Medical test till 45 years for clean medical proposals
- No room rent or ICU cost restriction
- Reimbursement of Cost of Health Check up after 4 claim free years
- No Copayment, No Capping/ sub limits
- Cashless Facility and No deductions in Non Network hospitals
- Renewal Reward - No Claim Bonus
- Coverage of Pre-Existing Diseases after 4th year of renewal
- Pre and Post-hospitalization, Nursing Allowance, Local Road Ambulance Services, Expenses on Accompanying Person
- Income Tax Benefits
- Maximum entry age - 65 years . Extended coverage till 75 years in the case of Renewals
- 50% reimbursement on pre acceptance medical test charges for accepted proposals
- At Renewal - No Premium loading
- Health insurance plans specific to your needs - Gold, Silver and Standard plan Variants
Policy Features
HealthWise policy(Standard Plan) comes with Unique features that gives you the best advantage at all times - Choice of Sum insured: 2 lacs, 3 lacs, 4 lacs & 5 lacs
- Entry age: 65 years
- No medical tests for persons up to 45 years with clean medical history
- Basic coverage of Hospitalization due to Illness/ accident – All plans
- Associated covers like:
- Hospitalization expenses
- Domiciliary Hospitalization
- Day Care Treatment
- Pre & Post Hospitalization cover
- Pre existing coverage
- Cost of Health Check up
- Value added covers like:
- Road Ambulance service
- Expenses on accompanying person
Benefit to Insured
| Policy Feature |
Benefit to Insured |
|---|
| No restriction on Room rent/ ICU Rent |
You can decide the room you/ family member would be staying in if hospitalized and not the Insurance Company |
| No per illness limit |
You will not face any specific monetary limit while taking treatment for a particular illness |
| No Loading on renewal premium |
You have the assurance of unchanged premium even after receiving a claim. |
| Reimbursement up to 50% for cost of pre policy health check up |
If your proposal is accepted , Reliance General Insurance Company shares your financial burden equally where you have to undergo specific tests requested |
Renewal Features
Continuity Benefits
- Shall be available only if the Policy is renewed within 15 days from the previous Policy expiry date
- Assured renewal till 75 years
Renewal Premium
Renewal premium would be quoted as per the base premium chart with or without renewal discount based on the claim experience. 
