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Health Insurance

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​​​​​​​​​​​​​​​​​​​​​​Tax​​ ​Be​​​​​​n​​e​fit​​s​​
U/​s 8​0​​D
Amazing
​​Discounts
98% Claims​​
​​Settled​
​Cashless
​Hospitali​zation​​
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Why do you need a health insurance plan?​

With escalating healthcare costs, a need for hospitalisation or treatment of a medical condition can be hard-hitting not only emotionally, but financially too. However, a robust health insurance plan can take off a major chunk of the burden from your shoulders. The benefits of an effect​ive medical insurance policy are manifold. With a wide range of options available, you can choose a plan that meets your needs and is well within your budget.

A suitable health insurance plan helps you tide over financial crisis by providing coverage for your medical expenses. Just make sure you go through the features and benefits of the different health insurance plans before buying one.

Here are 5 benefits of having a health insurance plan:

  • Extends Financial Help: You can reduce your financial burden due to expensive medical bills by opting for a suitable health insurance policy at reasonable premium rates.

  • Assures Quality Medical Care: A medical insurance policy gives you access to a wide network of hospitals where you can seek treatment without paying anything out of your pocket. This is called the cashless claims facility.

  • Provides Tax Saving Benefits: Health insurance policies come with added benefits of tax savings as per Section 80D of the Income Tax Act.

  • Offers Comprehensive Coverage: Besides covering your hospitalisation expenses, health insurance plans in India offer coverage against consultations, serious illnesses, check-ups, and accidents, among others.

  • Guarantees Peace of Mind: Medical insurance policies provide much-needed peace of mind by covering your treatment costs in the event of medical emergencies.​​

What is health insurance?​

Health or medical insurance is an insurance product that provides cover for medical expenses in case of illness or injury. With a health insurance plan, you can save the money that you would otherwise end up spending on medicines, hospital bills, and consultation fees.

In other words, health insurance is an agreement between you and your insurer, who is bound to cover your financial expenses during medical emergencies.

While there are several health insurance options available in India, you must opt for a health insurance policy that is best suited to you and your family's medical needs. Besides offering cover for medical expenses, health insurance gives you access to quality healthcare and cashless treatment at one of the network hospitals.​

​​The health sector in India​​

There are several causes of high death rates in India and one of them is high healthcare costs. It is a reason why many people do not receive the much-needed treatment on time. Furthermore, the healthcare sector in India is deploying advanced technology for treating a host of chronic diseases. However, these technological advancements come at a cost which is eventually borne by the treatment seekers and their families. Hence, buying health insurance is a good way to ensure access to quality healthcare without having to dig into your savings.

At Reliance General Insurance, we offer exhaustive health insurance plans that cover your hospital and other medical bills.​

Health insurance and its role during the COVID-19 outbreak​

For several people, the COVID-19 pandemic has been an eye-opener to the need of having a medical insurance policy. Desperate times, limited access to healthcare and exorbitant healthcare costs during the various waves of the pandemic made people realise the importance of having health insurance. Many people had to dig into their savings, including retirement funds, to pay for the treatment of their families and loved ones. Therefore, now, more and more people are opting for extensive medical policies that cover pre-hospitalisation and post-hospitalisation costs, consultation charges, check-up fees, and more.​

​​ Learn more about coronaviru​s health ins​​​uran​ce


Does health insurance cover COVID-19?​

The Insurance Regulatory and Development Authority of India (IRDAI) has directed insurance companies to cover COVID-19-related expenses in their existing health policies.

Also, the IRDAI has released guidelines for COVID-19-specific health insurance policies. As per these medical policies, insurers have to cover the hospitalisation costs of an insured person who has been hospitalised for over 24 hours after getting diagnosed with COVID-19.

In addition, many insurance schemes covering pre-hospitalisation and post-hospitalisation fees along with quarantine-linked expenses have been introduced. Some policies may also include ICU costs. So, read all the terms and conditions of the medical policy thoroughly before buying one.​

Learn about covid health insurance claims

Why do you need health insurance?​​​

There are several reasons to opt for health insurance. Some of them are:​

  • In t​he wake of escalating healthcare costs, health insurance gives you access to quality medical care without worrying about arranging for funds.

  • Safeguards your savings and your family's financial plans.

  • You can seek cashless treatment at one of the network hospitals; the insurance company will settle your medical bills with the hospital directly.

  • Health insurance can keep you and your family stress-free; all you have to do is pay the insurance premium on time.​

Features & Benefits offered by Reliance Health Insurance –​


Key Features Reliance Health Insurance Benefits

Sum Insured

₹ 3 Lakhs - ₹ 1 Crore

Policy Period

1 Year, 2 Years, 3 Years

Policy Type

Individual, Family Floater

Cashless Hospitalization

8600+ Cashless Hospitals

Cumulative Bonus

Up to 100%

Age Eligibility

Child: 91 days to 25 years#

Adult: 18 years to 65 years#

Claim Settlement Ratio

98%* Claims Settled

Pre-Post Hospitalization

Covered up to Specified Limit

Tax Benefits

Up to ₹ 1 Lakh under Section 80D

Paperwork

Zero, Online Policy Purchase

Initial Waiting Period

15-30 Days

​Voluntary Co-payment

Option Available

Coronavirus Cover

Available in all health policies

Add-Ons

More Cover, More Time, More Global***

*For FY 19-20​

#For Health Gain & Health Infinity Insurance​

***For Health Infinity Insurance​​

Why buy Reliance​​​ General Health Insurance?​


Reliance Health Insurance is a trustworthy name ​in the insurance industry. Our comprehensive insurance plans range from individual health insurance plans to family floater mediclaim policies to customised plans for senior citizens. At Reliance Health Insurance, we offer low premium policies and hassle-free claim settlement benefits.​

Learn more about the reasons to buy health insurance

Benefits of Reliance Health Insurance plans

Some of the several benefits of Reliance Health Insurance plans are:

  • Enjoy the benefit of multiple plans under one umbrella

  • Avail cashless hospitalisation in 8600+ hospitals across India

  • Get tax benefits as per the provisions of section 80D of the Income Tax Act

  • Obtain cover for hospitalisation costs

  • Take advantage of the No Claim Bonus discount and free annual health check-ups

  • Maximise your savings with higher discounts under special conditions​


Types of health insurance​

There are many types of health insurance plans and the main ones are discussed here:

  • Individual Plans: The insured person can claim hospitalisation costs under these basic health insurance plans.

  • Family Plans: As part of family health insurance plans, family members are covered under a single model. A specified sum is assured for any family member who falls ill or needs medical intervention.

  • Senior Citizen Plans: These special insurance policies are drawn for catering to the healthcare needs of senior citizens who are above 60 years of age.

  • Personal Accident Insurance Plans: These plans provide insurance cover for hospitalisation costs arising due to motor accidents.

  • Critical Illness Insurance Plans: A range of critical illnesses (kidney and heart disorders) are covered under these plans.​


Compare health insurance policies and select from these 9 plans that we offer-​

​​
Health Insurance Plans - HealthGain Insurance


Reliance Health Gain Insurance

​Health Gain insurance policy that covers pre and post-hospitalization coverage, daycare procedure, donor expenses, OPD charges, consultations, tests, and other such expenses that can put you in a financial crisis.

Plus Plan- ₹ 3 lakh and ₹ 5 lakhs

Power Plan- ₹ 10, ₹ 15, ₹ 20 lakhs

Prime Plan- ₹ 25, ₹ 30, ₹ 50, ₹ 100 lakhs

Buy Hea​lth Gain Insurance Online now! 


Health Insurance Plans - Health Infinity Insurance


Health Infinity Health Insurance (Reliance Health Infinity Policy)

​Health Infinity is one of the best health insurance policies available in ndia offering wide range of sum insured i.e. ₹ 3 Lakh to ₹ 1 Crore. You get add-on options of additional coverage more policy tenure and intern​ational coverage for overseas emergencies as well. There are no sub-limits for hospital room rent, road ambulance charges and organ donor expenses. You are also covered for robotic surgeries.

Buy Health Infinity Insuran​ce Online now! 

​​​ Super Top-Up Health Insurance


​Super Top-Up Health Insuranc​​e

When your current health coverage falls short, Reliance Super Top-up provides an extra layer of protection. Even if you don't have health insurance, you can still buy this plan to maintain comprehensive coverage. This plan is the greatest way to safeguard yourself against skyrocketing medical costs brought on by major surgery or a serious illness. The plan comes with a wide range of benefits along & sum insured that ranges from ​ 5 lakh to 1.30 crore.

Buy ​ Super-Top Up Plan​ Now! ​



Health Insurance Plans - AROGYA SANJEEVANI POLICY


Arogya Sanjeevani Policy – Reliance General

​Arogya Sanjeevani Health Insurance is a new standard policy implemented by IRDAI and is offered by all the insurance companies in India. The standard plan provides for a basic health insurance plan with coverage between ₹ 1 to 5 lakhs. The policy covers inpatient hospitalisation, day-care procedures, special treatments and Ayush treatment and gives a cumulative bonus up to 50%.

Buy ​Arogya Sanjeevani Health Insurance Online now! 


Health Insurance Plans - Corona Kavach Policy


Corona Kavach Policy, Reliance General

​Corona Kavach Policy, Reliance General is an affordable Health Insurance policy that protects you and your family against hospitalization expenses due to COVID-19. The policy comes with a coverage of ₹ 50k to ₹ 5 Lak​h. The policy covers Hospitalisation Cover including PPE kits, Home care treatment cover, Ayush treatment and pre-post hospitalisation. The coverage starts from the day you get diagnosed with COVID-19 infection. The policy has a standard waiting period of 15 days after policy purchase.

Buy Corona Kavach Health Insurance Online now! 


Health Insurance Plans -Corona Rakshak Policy


Corona Rakshak Policy, Reliance General

​Corona Rakshak Policy, Reliance General is an affordable Health Insurance policy that offers lumpsum benefit* from 50k to 2.5 lakh to the insured if diagnosed with COVID-19. The coverage starts from the day you get diagnosed with COVID-19 infection. The policy has a standard waiting period of 15 days after policy purchase.

*Hospitalization should be as per the Government-authorized hospital and is mandatory for 72 hours.

Buy ​Corona Rakshak Health Insurance Online now! 


Health Insurance Plans - Personal Accident Insurance


Personal Accident Insurance

This policy safeguards your family's financial security in an hour of need. Death, permanent total disability, temporary total disability, broken bones, and ambulance costs are covered under this policy. You can also extend a personal accident insurance plan to include your entire family under a single policy.

Buy Personal Accident Insurance Online Now!

​​
Health Insurance Plans - HealthWise Insurance


HealthWise Health Insurance (Reliance HealthWise Policy)-

An affordable and comprehensive health insurance policy which lets you take care of the most important aspect of your life - your health! This policy offers complete hospitalization cover inclusive of doctor's fees, nursing expenses, OT charges, medicines and drugs, anaesthesia and oxygen administration expenses, surgical appliances, pacemaker and radiotherapy. The best part about this policy is that it even covers critical illnesses, making it one of the best policies available in the market.

Buy HealthWise Insurance Online now!

​​​ Health Insurance Plans - Critical Illness Insurance


​Critical Illness Insurance (Reliance Critical Illness Policy)-

This policy acts as a financial cushion that helps you tide over medical exigencies that incur while treating a critical illness. The lump sum amount paid enables you to take care of hefty medical bills as well as the daily expenses. This critical illness policy covers 10 life-threatenin​g and lifestyle-disabling diseases.

Buy Critical Illness Insurance​ Online Now! ​


​​​

Now that you are aware of all the big benefits of opting for Reliance Health Insurance policy, make sure you buy health insurance right away and avail great benefits. While we cannot stop anything unfortunate to happen with your health, we are always there to help you financially. 

How to choose a health insurance plan?​

Here are some important factors to be considered when choosing a health insurance plan:​

  • Adequate coverage: Ensure your health plan covers all your and your family's healthcare needs sufficiently.

  • Fits in your budget: Choose a suitable healthcare plan that matches your and your family's medical needs without exceeding your budget.

  • Individual or family plans: Opt for an individual or a family health plan as per your status. With a family health plan, you can derive maximum benefits at affordable rates.

  • Lifetime renewability: Healthcare insurance plans that come with lifetime renewability are the best option.

  • Higher claim settlement ratio: Insurers with a high claim settlement ratio are most likely to provide prompt and efficient services.​


Guide to choosing the perfect health plan​

At Reliance General Insurance, we offer our customers a plethora of plans to choose from. These include:

First scenario: For those who want to insure themselves and their family including spouse, children, and parents

If you’re looking to insure yourself along with your family members under a single plan, then opt for family health insurance. The benefits of family health insurance plans include cashless hospitalisation, base sum insured, cover for hospital fees, and much more.

Second scenario: For those who travel a lot and want financial protection during their trips abroad

If you’re a globetrotter, you might want to consider purchasing the health infinity plan. Designed for people between 18 and 65 years of age, this plan helps you manage your finances and receive medical treatment on your trips even out of India.

Third Scenario: For those who require coverage for specific health issues

The critical illness insurance plan covers a host of critical illnesses. Among these are multiple sclerosis, burns, and cancer. When you purchase this plan, you get a pre-decided lump sum amount upon making a claim.​

 

Why buy health insurance when young?​

  • You ca​n get the benefit of lower premiums since insurance providers determine the premium amount as per your age and medical history.

  • You can reduce your tax liability as per the provisions of Section 80D of the Income Tax Act, 1961.

  • You can get cover for any medical conditions that you may suffer from at a later stage in life.

  • You can better manage your finances and investments after knowing that your medical expenses are adequately covered.​

 

Why buy health insurance online?​

  • Conveni​ence: You can buy health insurance without leaving your comfort zone at any time, from anywhere. With just a few clicks on your mobile device, pay the policy premium through a trusted platform and you are good to go.

  • Protected payments: Choose from a variety of online and digital payment modes to purchase and renew your insurance policies.

  • Quick processing: Whether you want to customise plans, calculate the premium, add or remove members, or check coverage, you can do it all online.​

Benefits of buying health insurance online​


Some of the benefits of buying a medical insurance policy online are:​

  • Compare plans easily: You can compare the health insurance plans offered by different insurance companies and choose the one that suits you the best.

  • Enjoy convenience benefits: You can purchase a policy online conveniently; you do not have to visit the insurance company office or negotiate with insurance agents.

  • Avail online discounts: You can enjoy discounts on premiums when you purchase policies online.

  • Pay low premiums: You can get the benefits of lower premiums when you buy health insurance plans online since insurers save on operational costs.

  • Do less paperwork: You can reduce your paperwork by buying medical insurance policies online.​

Benefits of buying health insurance plans for senior citizens

  • You get a ​​​​Sum Insured rebound that recharges your exhausted health cover to take care of your next hospitalization.
  • Apart from cashless treatment at a hospital and daycare facilities, you can avail cashless medical facilities at home as well.
  • The pre and post-hospitalization expenses are covered.
  • The health plan comes with several top-up plans to enhance your parents' health coverage by paying a small amount.
  • The premium you pay towards a health insurance plan for your parents qualifies for deduction under Section 80D of the Income Tax Act. So, you get a tax rebate on buying a policy for your parents.

 
Being a senior citizen means you have to be extra careful about your health. Since you must have retired, and your company isn't providing any health coverage, you have to get one for yourself at the earliest possible. If you are diagnosed with any critical ailment and you have no senior citizen health insurance, you might end up losing a sizable chunk of your life savings to medical bills or even pass on the financial burden to your children.

​Looking to change your health plan? 5 things to consider

While following a healthy way of living is always recommended, you should also be prepared to face illnesses. From sedentary lifestyles to food adulteration, and from stress to genetic disorders,there are many things that can get you hospitalized. Life is indeed uncertain! Health insurance was always important, but now in the wake of a pandemic, it has become non-negotiable. It provides you with the freedom to go for the best medical facilities available at the earliest possible without stressing over bills. However, the market is full of different plans and one must choose a health insurance planthat fits their budget and offers wide coverage too. If you are stuck with an average plan, it's time to switch to a better one. 

When should you switch?

Premium vis-a-vis coverage: You should switch to a better deal with bigger coverage (i.e. higher sum insured) at a smaller premium.

Inclusions and exclusions: The fine print contains a lot of terms and conditions. You must opt for a policy that is transparent and has no limitations like room rent capping or forces you for co-payment. Basically, you should switch to the one with more inclusions and minimum exclusions.

Reputation and claim settlement ratio: Always, put your money on a reputed brand with a much higher claim settlement ratio. You can also read reviews and take feedback from its past and current customers.

Network of hospitals: Pick a plan that has some of the best hospitals in your vicinity in its network so you can avail cashless treatment.

Top-up plans: Pick a plan that offers such additional coverage.

Waiting period and renewability: There is a waiting period after you buy a health insurance plan in which you can't make a claim. So, opt for a plan with a smaller waiting period. Similarly, check the renewability terms and conditions of the plan. 

Surely, you want to get the maximum benefit out of your insurance policy. So, when buying a new policy, do some thorough research to figure out which plan suits your needs and budget the best. A policy taken in haste can leave you with a lot of regrets. Also remember to renew health insurance plans on time to enjoy uninterrupted coverage.


*T&C apply.​ For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for multiple products such as Health Gain Health Insurance Policy UIN -RELHLIP21514V022021,Health Infinity Insurance UIN -RELHLIP21521V032021 ,Arogya Sanjeevani - Insurance UIN -RELHLIP21001V012021,HealthWise Health Insurance UIN -RELHLIP21522V032021, Personal Accident Policy UIN -RELPAIP01002V010001, Reliance Critical Illness Insurance Policy UIN -RELHLGP08003V010708, Corona Rakshak Policy, Reliance General Product UIN - RELHLIP21093V012021, Corona Kavach Policy, Reliance General Product UIN -RELHLIP21092V012021


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Health Insurance Reviews and Ratings

Average Rating:

4.4(Based on 155 ratings)

Showing 10 reviews

  • “80D”

    Self I application is easy to use. We can take all the services through one application for e.g , Claim Intimation, Claim Status, Policy Soft Copy etc. It's really simple and user friendly app.

    G CHANDRASEKHAR20 April 2022, ODISHA
  • “80D”

    I have a Health policy with Reliance General Insurance. I called your contact center related to my queries. The advisor was very helpfull and helped me to resolved all my issues on a single call related to claim information as well as policy hard copy. It was a very good experience for me with the services given.

    MANISHNASKAR19 April 2022, WEST BENGAL
  • “80D”

    I am very happy with your services. I had requested for correction in my policy for the email id and the same has been completed within time. The advisor was very supportive and took a request for my correction immediately. The service which I received from contact center is simply excellent.

    ROHIT PARMAR Rohit Parmar19 April 2022, Rajasthan
  • “80DCard”

    I had done the endorsement in my policy via contact center. Advisor was very helpful and understood my problem. They did the endorsement within time. Overall interaction was amazing. I am really happy with the way advisor helped me.

    Arunsingh19 March 2022, Haryana
  • “HealthClaim Intimation”

    Self-i application of Reliance General Insurance is very easy to access. I had intimated my health claim from the app. I shared all my documents via e-mail and received response within 24 hours for the same. Reliance always provided me best services.

    Himalaya tiwari18 March 2022, Uttar Pradesh
  • “HealthClaim Intimation”

    I am an employee of RELIANCE NIPPON LIFE INSURANCE CO LTD. I used self-i application for claim intimation because it's very easy to use. Also, uploaded all the documents in one go. I am really satisfied with Self-i's quick services.

    Avinash kumar17 March 2022, Bihar
  • “HealthClaim Intimation”

    I used self I application for claim intimation. It is very easy to use and friendly. I intimated my claim over the app and I also uploaded all the documents in one go. I haven't faced any problem, application was easy to use.

    Roopraj13 March 2022, Maharashtra
  • “80DCard”

    Reliance general insurance website is very easy to access. It was easy to intimate my Health claim over the website. Reliance general insurance has approved my claim and I am very happy for their helpful services. Also, I bought another policy for one of my family member. The services are excellent.

    Rakesh12 March 2022, Haryana
  • “Claim Intimation”

    Your claim service is awesome. Web site is also easy to use. I did claim intimation and it got process in time without any hassle. I will rate your services 10/10. Good Experience.

    NITINKUMAR MAHESHKUMARSHAH22 January 2022, GUJARAT
  • “I liked RGI website. It is easy to navigate and all the option are clear and self explanatory.”

    I registered my claim and it got reimbursed within your processing time. I like the service of Reliance General Insurance.

    ASHISHAGRAWAL18 January 2022, CHHATTISGARH
  • See all reviews