Health Insurance

Compare our 9 Health Insurance policies and find one that suits you

​​	Reliance Health Gain Insurance Health Gain insurance policy covers pre- and post-hospitalization expenses, day-care procedures, organ donor expenses, 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!
	Reliance Health Infinity Insurance Health Infinity offers a wide coverage ranging from ₹3 Lakh to ₹1 Crore. Here you get the benefits of a Health Gain plan plus the option to increase your coverage amount and tenure. The Health Infinity plan also covers you for emergency treatments abroad, robotic surgeries, etc. Buy Health Infinity Insuran​ce Online now!
​​​	​Reliance Health Super Top-Up 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. Super Top-Up is a great way to financially safeguard yourself if you get hit by a major surgery or illness. The plan comes with a sum insured that ranges from ₹​5 lakhs to ₹ 1.30 crore along with multiple benefits. Buy ​ Super-Top Up Plan​ Now! ​ ​
​	Arogya Sanjeevani Policy – Reliance General Arogya Sanjeevani is a new health insurance policy implemented by the IRDAI and is offered by all the insurance companies in India. The standard plan provides for a basic coverage between ₹1 to 10 lakhs. The policy covers inpatient hospitalisation, day-care procedures, and Ayush treatment with a cumulative bonus of up to 50%. Buy ​Arogya Sanjeevani Health Insurance Online now!
​	Corona Kavach Policy, Reliance General Corona Kavach Policy 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 ₹ 5Lakh and starts from the day you get diagnosed with COVID-19. With the Corona Kavach Policy your expenses for PPE kits, home care treatment, Ayush treatment and pre-post hospitalisation are covered. Buy Corona Kavach Health Insurance Online now!
​	Corona Rakshak Policy, Reliance General Corona Rakshak Policy is another Covid related product from Reliance General that is meant for individuals. This policy offers a lumpsum benefit* of ₹50k to ₹2.5 lakh if you get diagnosed with COVID-19. Similar to the Corona Kavach Policy, coverage starts from the day you get diagnosed with COVID-19. *Requiring hospitalization for a minimum continuous period of 72 hours. The positive diagnosis of COVID shall be from a government authorized diagnostic centres. Buy ​Corona Rakshak Health Insurance Online now!
​	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. Additional benefits: carriage of dead body, education grant & Cumulative Bonus. Buy Personal Accident Insurance Online Now!
​​	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!​
​​​	​Reliance Critical Illness Policy This policy acts as a financial cushion that helps you tide over medical exigencies that occur 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-threatening​ and lifestyle-disabling diseases. Buy Critical Illness Insurance​ Online Now! ​ ​

4 Features to Keep in Mind Before Buying a Health Insurance Policy

Here’s a list of key features that are most sought-after in a medical health insurance plan. Keep these points in mind when comparing policies and you’ll end up with a perfect plan.

• No Sub-Limits on Room Rent: Every insurance plan covers room rents charged by hospitals. However, it may not cover the entire amount. In some cases, the insurers will cover room rents that are equal to 1% of your sum insured. In case you select a room that exceeds that 1%, you have to bear the extra cost.

  An ideal health insurance plan, however, comes with no limit on room rent, meaning you get to select a room you please. Such health insurance plans will give you some peace in the unfortunate event of a hospitalisation.

• Shorter Waiting Time for Pre-Existing Diseases: If you’re someone who suffers from some pre-existing disease (PED) like diabetes, blood pressure, etc. then the insurance provider will inform you that need to wait for a certain period before you can raise a claim to cover the PED. This is common in any insurance plan out there. But some plans come with shorter waiting periods. Look for those plans to make your financial life a little easier.

• No Co-Payment: The last thing you want in the event of a hospitalisation is using your savings to pay medical bills even after having health insurance. But there are some insurance plans that expect you to pay a certain percentage of the claim amount out of your pocket. This is known as co-payment. It’s the sharing of the costs between you and the insurance firm. What you want is health insurance that has no co-payment at all. With no co-payment you can protect your savings while your health insurance covers all your hospital costs.

• More Network Hospitals: When an insurance company says that they have so and so number of network hospitals they’re referring to those hospitals where they have tie-ups with. If you get treated at a network hospital you get the benefit of availing cashless transactions. Here the network hospital and insurer settle all your medical bills. Now imagine an insurance plan that has a greater number of network hospitals. That makes it more convenient when you need to rush to a hospital. Select an insurance plan that has more number of network hospitals.

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 Help You Choose the Perfect Health Plan

At Reliance General Insurance, we offer our customers a plethora of plans to choose from that covers a variety of scenarios Check out the below three scenarios to understand your health insurance needs:

​ 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 While 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 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 access: 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: 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.​
  

How to save tax with a health insurance policy?

Getting a health insurance policy from a reputed provider offers numerous tax benefits. As per the Income Tax Act, 1961, Section 80D, the premiums paid towards your insurance plan stand eligible for tax deductions. These deductions are offered as follows:

• Rs. 25,000 deductions for an individual along with his family.

• Rs. 50,000 deduction is available if the individual or his spouse is 60 years or older.

• Deduction for parents’ insurance depends on their age. The amount is Rs. 25,000 if they are less than 60 years old; else, it is Rs. 50,000.

• Citizens of 80 years or more can also be allowed a medical expenditure of up to Rs. 50,000, despite being uninsured.

• You can avail of a deduction of Rs. 5,000 for preventive health check-ups for yourself or your family members. This includes your spouse, dependent children, and parents.

Opt for a comprehensive health insurance policy today and save yourself from missing out on these helpful tax benefits!

Optional Add-ons in Health Insurance

In the simplest words, an insurance add-on refers to an additional benefit that you pay for, over and above the basic premium, as this benefit is not covered by default in your insurance policy.

Health insurance add-ons usually go a long way in bolstering your all-round health insurance coverage. This is mainly done by including extra protection as an essential part of your plan. By paying a little more, you can get these add-ons for that extra layer of protection.

Check out the following Health Insurance Add-Ons that strengthens your policy:

• Maternity and new-born baby insurance add-on cover.

• Hospital daily expenses add-on.

• Emergency ambulance services.

• Out-Patient Department (OPD) cover add-on.

• Global emergency hospitalization add-on.

• Critical illness add-ons.

• Additional coverage over your original sum insured.

How to Calculate Health Insurance Premiums?

Now that you have understood the dire need for comprehensive health insurance, it is also integral to know if your premium amount is right or not. With just a few of your details, you can calculate your insurance premiums with ease!

• Know Who All Are Covered in the Policy: By choosing an individual plan or a family plan your premium amount is calculated. This is one of the key deciding factors while calculating your premium.

• Submit Your Documents: Provide the insurer with all the necessary documents along with your basic information like name and phone number.

• Pick Your Health Insurance Plan: Selecting your policy is the most crucial phase of premium estimation. Your amount is directly influenced by the tenure of your health insurance plan, the total sum insured, and the add-ons you opt for.

What are the Factors that Affect Health Insurance Premiums?

Your health insurance premium is often influenced by a variety of factors. These can either bring down your overall payable amount or increase it in the longer run. Let’s dive into the most critical factors that tend to impact your insurance premiums:

• Pre-Existing Health Conditions: Your current health conditions and ailments if any will require more coverage than the standard one. This is likely to make your premiums cost more and is exclusive to your insurance plan.

• Medical History: If you have a family history of health problems like blood pressure or asthma, you might want to get a more comprehensive insurance plan to mitigate the risk of future liabilities. Offering increased coverage, these policies lead you to pay higher premium rates as compared to a regular plan.

• Age: Young people often require lesser medical assistance than older ones with critical health issues. Therefore, the younger you are the lesser rates of premiums you have to pay. Conversely, as you grow older, your premium amount will increase. Thus, it is always a good idea to opt for a dedicated health insurance policy while you are young.

• Body Mass Index: Having a higher BMI puts you at a greater risk of severe heart disease. This requires enhanced insurance coverage for you to better deal with the possible medical treatments. So, individuals with higher BMI are likely to pay higher premium amounts.

Common Health Insurance Terms Simplified for You

To get a complete hold of your insurance policy and know exactly what each section means, refer to the following health insurance terms:

• Premium: The amount you pay to the h​ealth insurance company for availing their insurance plan is called a premium. You can opt for different paying models as per your needs; monthly, quarterly or yearly. With regular premiums, you can continue to enjoy the tax benefits and seek financial support in your time of need.

• Deductible: Deductible means a cost sharing requirement under a health insurance policy. It refers to an agreed amount that you will pay toward your medical bill before the insurance company steps in. . So before you can make a claim, you’ll need to clear the deductible and then the insurer will do their part.

• Co-payment: Co-payment, commonly referred to as co-pay, is the cost you will bear every time you opt for medical treatment. It is a specified percentage of the admissible claims amount. In other words, it is a percentage of the amount payable by the insurer towards your medical expenses.The amount often varies based on your health insurance policy.

• Grace Period: It refers to the period of time immediately following the premium due date. During the grace period you can make payments to renew or continue an ongoing policy without loss of continuity benefits such as waiting periods and coverage of pre-existing diseases. Coverage is not available for the period for which no premium is received.

• Sum Insured: The sum insured is the maximum amount payable by the insurance company to the policyholder in case of an emergency. This can be claimed with the required documents, helping you deal with your financial liabilities during the eventuality.

• Pre-Existing Disease: If there was any condition, injury, ailment or disease that was diagnosed within 48 months prior to the first policy availed by the insurer, it is often called a pre-existing disease.

These are some of the most common health insurance terms that you should know before making the best decision for your health security. Our experts at Reliance General Insurance help you at each step of your insurance process and guide you in the right direction. Talk to us and know more now!

*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

Frequently Asked Questions on Health Insurance

1. Can a person have more than one health insurance policy?

Yes, one can have more than one health insurance policy. However, you cannot claim similar expenses from them. Through this, the policyholders get the benefit of enjoying two plans that’ll be useful in a wide variety of circumstances.

2. My employer provides me with health insurance. Do I still need one?

In today’s time, most employers provide their teams with health insurance. While they offer some level of financial coverage, these plans are often not enough for your complete security. You may opt for an additional cover to get more benefits, including room-renting and co-pay. 

3 What do you mean by the waiting period?

The waiting period refers to a specific amount of time that the insured must wait before their entire coverage slides into effect. For all the claims filed during the waiting period, the insured will not receive any benefits for the same.

4 What do you mean by a pre-existing disease?

If there was any condition, injury, ailment or disease that was diagnosed within 48 months prior to the first policy availed by the insurer, it is often called a pre-existing disease.  Some of the most common pre-existing diseases include diabetes, sleep apnea, and various other chronic diseases.

5 Is my health insurance policy valid across the world?

No, not all. Basically, most insurance providers have restrictions on certain geographical boundaries. So, if you plan to travel abroad, you have to purchase separate health insurance in your destination country.

6 What are the modes available for the payment of premiums?

Various insurance companies provide multiple payment modes for purchasing premiums. The most common one includes annually, quarterly, and monthly, and in some cases, insurance providers also give an option semi-annually. It’s usually the payment method only that determines the frequency with which the payments are majorly processed. 

7 What is cashless mediclaim?

Cashless Mediclaim refers to a unique policy wherein the medical expenses along with the hospitalization charges are cleared between the insurance company and the hospital. This allows a policyholder to focus on treatment and recovery and not on hospital bills. With this benefit, you can easily bypass the reimbursement formalities hassle-free. 

8 Why do you need health insurance?

Health insurance is extremely beneficial since it provides you with coverage against medical expenses and eases your financial burden during treatments. With a health insurance plan, you also get free preventive care, regular check-ups, etc.

9 Do health insurance plans cover Ayurveda and other alternative treatments?

With the current advancements, Ayurveda treatments are now covered by most health insurance plans. However, other traditional medications like naturopathy are not a part of most mediclaim policies.

Policy

1. How much should I pay for health insurance?

The premium amount that you should pay depends on your sum insured add-ons, your age, any pre-existing diseases, etc. Make sure that you opt for a plan that covers at least half of your annual income. As an indicative reference provided by experts, you should go for a cover of over ₹5 lakhs. 

2. What is the waiting period for health insurance?

The waiting period for your health insurance is typically the time span where you cannot make claims under your plan. There is a wait for you to get all the covers as per the policy. The time period often depends on your health condition and mediclaim insurance.

3. Which diseases are covered under health insurance?

To offer complete protection against financial liabilities arising from medical treatments, mediclaim health insurance provides extensive coverage. The various diseases that are covered under the mediclaim policy include cataracts, heart diseases, diabetes (excluding disease as per permanent exclusion list which are Pre-Existing at the time of first proposal of this Product with the Company).

4. What factors determine my health insurance premium amount?

Majorly there are five factors that can make an impact on a health insurance premium purchase amount. These include location, plan category, age, and number of members covered and medical condition if any.

5. What if I forgot to pay my health insurance premiums?

If you, by any chance, have failed to pay the policy renewal premium, you become uninsured again. This indicates that the coverage served to you by your health insurance plan has been taken back. To avoid this, it’s essential you pay the renewal premium before the due date. 

6. How to check the status of my Health Insurance claim status?

This is quite a simple process. Go to the official website of your insurance company and click on the ‘Lodge a Claim’ icon on their homepage. Then hop on to the option of Track Claim Status. Once this is done, then put in the required details, including customer ID, policy number, name, etc., and then click on ‘Submit.’ Through this, the status of your claim settlement request will be clearly shown on the web.

7. Do I need to do a medical test before I buy health insurance?

You don’t need to do a medical test before buying health insurance, unless you’re above the age of 45. For those above the age of 45, certain medical tests are conducted before a policy is issued.

1. When can I have my children under my health insurance plan?

You can include your children under a family insurance policy from the time they’re 3 months old. You can keep them in the same health insurance plan till they turn 25 years.

2. What is the ideal coverage amount I should include in my health insurance plan?

It’s recommended that you have a sum insured that is at least double of your annual income. However, each person has their own needs that means you may need a higher coverage amount.

How do I increase my sum insured over my existing health insurance plan?

You can increase your sum insured either by buying an additional health insurance policy or by getting a top-up plan. Either way, you can increase your base coverage.

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