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Critical Illness Insurance

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Critical Illness Insurance


Critical Illness Insurance
​​​​​Covers 10
critical illnesses​​
Lump sum
No medical
test required​​​ ​
Policy for
1 &​ 3 years​​

​Unforeseen circumstances, unhealthy lifestyle, and stress push us towards life-threatening medical conditions. Anyone at any stage of life can acquire acute diseases. At this stage, the Critical Illness insurance policy comes as a savior to you.​

What Is Critical Illness Policy?

A Critical Illness Policy is a cover specifically designed to give protection to a particular person against a life-threatening disease. Any critical illness is long-lasting and may require multiple visits to a hospital. What this means for the person is that there will be a lot of economic burden of not only the hospital costs but doctor visits and other medical expenses as well. A critical illness cover is designed in a way that it can pay a lump sum amount for all those expenses. Also, the good news is that this lump sum amount is in addition to any kind of health insurance that you may already have.

Health emergencies can hit you at the most unexpected times and it is thus necessary to be prepared for this. The family not only struggles with the treatment of cost and mental strain but they are also dealing sometimes with the loss of family income. This can force the families to dig into their savings and spend all of these to get the best treatment. Having a critical illness policy can solve all these problems and can make the process a bit less harsh.​

We, at Reliance General Insurance, bring you a critical illness insurance policy that caters to life-threatening and lifestyle-disabling diseases, so you are worry-free. ​ 

Reliance Critical Illness cover of Rs 5 lakhs starting at just Rs 888*!

You can buy your critical illness insurance policy online through our various payment options like UPI, Net Banking, Debit/Credit card etc. available for your convenience​​.

Apart from the critical illness insurance policy, Reliance also o​ffers family mediclaim policy, health insurance for senior citizens​ and also provides cashless health insurance cover​aro​gya sanjeevani policypersonal accident insurance and health insurance on EMI.’

If you need more information about Critical Illness insurance cover in India, feel free to call us on 1800 3009 (Toll free).

Features & Benefits offered by Reliance Critical Illness Insurance –​


​Key Features​ Benefits By Reliance General​

Sum Insured

5, 7, 10 Lacs

Policy Period

1 and 3 Years

Policy Type


Critical Illness

10 Critical Illness Covered

No Medical Tests

Upto 45 Years


18 to 65 years**

Claim Settlement Ratio

100%* Claims Settled

Waiting Period

3 Months***

Survival Period

30/60 Days​

Save Big on Taxes

Under Section 80D#

**Eligibility of age - upto 65 years for 5 lacs SI only,upto 60 years for 7 lac SI, upto 55 years for 10 lac SI.

*For FY19-20

***From the inception of policy​

Why Is It Important To Have A Critical Illness Cover?

Now treating a critical illness is an altogether different process and it takes time and money to treat such illness. If you are an earning member of the family and you are diagnosed with a critical illness you may have to skip work to get treatment which means also cutting off the major income source for the family.

A normal health insurance plan will only cover for the hospitalization cost and there will be no other benefit. Critical illness policy is necessary because it goes beyond normal insurance plans and helps you cover additional expenses as well.   This policy provides a lumpsum benefit to the customers which is very beneficial. The lack of critical illness insurance can be a trouble as it could drain your years of savings in just a month and could hit the family very hard economically. You can buy critical illness insurance online to have a secure future for your family and plan the needful.

Who Should Buy Critical Illness Insurance Policy?

Due to medical inflation, we all know that the cost of health care is rising day by day. In case of a critical illness, a person is hospitalized and the cost of treatment can go sky-high and could be difficult for the person to manage. The modern-day hectic lifestyle is causing trouble to us all and this includes a rise in cases of cancer, kidney failure or coma, etc.

While critical illness policy is meant for everyone, here are people who should have it at must - 

People With A Family History Of Critical Illness

Many of the critical illnesses are hereditary and thus there is a major risk of developing a critical illness for some who have a history of the same in the family. Thus, those with some history in the family must opt for a critical illness plan.


The role of the breadwinner for a family is very important. If something happens to them then it will affect the whole family and not only their present but the future of the family will be greatly affected. To be safe from these unpleasant financial situations one must get a critical illness policy for themselves as the primary breadwinner of the house so their family is secure in case something happens to them.

Above 40

All the people above 40 are at higher risk of developing a critical illness and thus it is advised to buy a critical illness policy in the later stages as early as possible to manage the premium amount easily.

Why You Should Buy Critical Illness Cover From Reliance General Insurance?

Reliance General Insurance is a leading health insurance company in India. The plans are affordable and there is a wide range to choose from where you can also adjust the plan according to your needs. There are more than 80​00 network hospitals and Reliance General has an incurred claim ratio of 100 %. Also, the claim filing process with Reliance is easier than ever and could be done easily online. Some of the features of a critical illness plan offered by Reliance are

Waiting Period: 

There is a 30day waiting period before you can claim the insurance.

Claiming Process: 

The claim can now be processed easily and with everything happening online the claim can now be filed and processed online completely. ​

Eligibility Criteria For Critical Illness Policy

The person must be at least 18 years of age to get a critical illness policy by Reliance and the maximum age varies according to the sum being assured to the person. So, for example

  • ​The maximum entry age to buy a 5-lakh sum insured policy for the insurance is 65 years.
  • The maximum entry age to get a sum insured of 7 lakhs insurance policy is 60 years.
  • The maximum entry age to get a Reliance critical illness policy for 10 lakhs sum insured is 55 years.
  • Also, for all the individuals above =>46 a medical test mandatory before getting the policy. The medical test will be done at a network diagnostic center and will be covered by Reliance.

    What ​we cover under critical illness insurance

    With the Reliance Critical Illness Insurance Policy, you will receive a lump sum payout on your claim, if you're diagnosed with any of the following critical illnesses or if you have to undergo any of the mentioned surgeries. In terms of the sum insured, you may choose​ any option between Rs. 5 lakh, Rs. 7 lakh or Rs. 10 lakh.

    Category I – Life Threatening

    • Cancer
    • Major Organ Transplant
    • Multiple Sclerosis
    • Third Degree Burns
    • Aorta Graft Surgery

    Ca​tegory II – Lifestyle Disabling ​

    • Heart Valve Replacement or repair
    • Coma of Specified Severity​​
    • Coma Quadriplegia (persisting more than 90 days post-diagnosis without any significant recovery)
    • Total Blindness
    • End-Stage Renal Disease requiring regular dialysis

    Note​: We will pay the benefit payment when the patient survives for more than 30 days after the diagnosis of the critical illness listed in category I and for 60 days after diagnosis in case of category II conditions, unless the patient is suffering from Quadriplegia, where the benefit will be paid after 90 days.​

    What we don't cover​ under critical illness insurance?

    Critical illness or its fallouts can be quite complex, so it's difficult to cover every situation. Here are a few things that your Critical Illness Insurance policy won't cover!

    • Any pre-existing diseases, illnesses or injuries
    • Critical illness contracted or diagnosed arising out of or due to
      • within 3 months of the policy start date
      • pregnancy or childbirth​
      • HIV infection / AIDS
      • cosmetic or sex-change treatment/surgery
      • alcohol consumption, smoking, other tobacco intake or drug abuse
      • intentional self-injury, suicide or attempted suicide
      • any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion
      • war, terrorism or nuclear weapons
    Cases, where
    • ​death occurs within 30 days of the diagnosis or surgery
    • diagnosis is provided by a family member, anyone not registered as a medical practitioner
    • diagnosis is not scientifically recognized​​

    Critical Illness Insurance FAQ


    Critical Illness Insurance Reviews and Ratings

    Average Rating:

    4.6(Based on 10 ratings)

    Showing 10 reviews

    • “Prompt response”

      Communication over the mail & phone was very prompt and the staff did their best to clear all my critical illness insurance related queries.

      Sandeep H2 December 2016, Vakola
    • “Keep up the good work”

      Keep up the good work!! Critical illness Insurance procedure was very clear and easy.

      Naveen B2 December 2016, Mahim
    • “Call centre staff very co-operative”

      The staff provides complete information about the critical illness policy and additional features not covered under the normal health insurance

      Kruti S1 December 2016, Wadala
    • “Totally satisfied with the service”

      Totally satisfied with the service!! Made my online purchase much simpler than I expected

      Madhu S1 December 2016, Jodhpur
    • “Thanks to your executive”

      Thanks to your executive who was patient to answer all my stupid queries related to cancer cover.

      Pankaj P1 December 2016, Mumbai
    • “Good Coverage”

      Great critical illness insurance policy product covers 10 major critical illnesses or surgeries and suffices my need.

      Vikas Hotta30 November 2016, Versova
    • “Kudos to the team”

      The best of buying a critical illness insurance online through Reliance is that they provide detailed explanations of what the policy covers, what it doesn’t and all about the additional features and benefits. Kudos!!

      Vivek G30 November 2016, Navi Mumbai
    • “Easy procedure”

      Easy procedure on the website and best value for money policy

      Rajan M30 November 2016, Khar
    • “Staff helpful”

      Was having trouble in sorting the change of address issue but eventually it was all sorted out by the Reliance staff. Thanks a lot and keep up the good work

      Venu R30 November 2016, Chennai
    • “Appreciate the prompt service”

      Appreciate the prompt service provided by the Reliance General employees

      Gopal V30 November 2016, Hyderabad
    • See all reviews