Sign In

Existing policy with Reliance?

Critical Illness Insurance

Benefits

Critical Illness Insurance

​Given current, stressful lifestyles, anyone can suffer critical illnesses at anytime, but that thought shouldn't dictate your life. 

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. ​ ​​​

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

Critical Illness Insurance Policy  Coverage for 10 major critical illness / surgeries   Wide range of options for the Sum Insured (Rs. 5 lakh, Rs. 7 lakh or Rs. 10 lakh)
       
 No medical check-up required for anyone up to 45-years of age    Income Tax benefits under Section 80 D - save more with your policy!
       
 Quick and hassle-free settlement of claims  Instant online policy booking (or on call @ 1800 3009) for people up to 45 years of age
       
  • Lump sum payment that allows you to plan your treatment as required
  • Critical illness policy in India for an individual above 18 years of age
  • Critical illness Policy period for one year and three years 
Apart from the critical illness policy, Reliance also offers family mediclaim policy, health insurance for senior citizens​ and also provides cashless health insurance cover​.​

If you need more information about Critical Illness insurance cover in India, feel free to call us on 1800 3009 (Toll free) or Want to know your Critical Illness insurance premium? Get a Quick Quote now!
Reliance Critical Illness Policy, you will receive a lump sum pay out 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
  • Category 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
  • Please note that 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.​

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 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 child birth​
    • 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 actual or attempted felony, riot, crime, misdemeanour 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 recognised​