Sign In

Health Insurance on EMI

Health Insurance on EMI

Benefits

HealthGain Insurance on EMI
​No-Claim
Bonus Benefits
Cashless
Hospitalization
Installment
option available
Auto refill
of Sum Insure​​d
​ ​

​​​For the first time in the industry, introducing our award winning Health Insurance policy on four easy installments.

Go cashless, Go Online!

The following are the various benefits that this health insurance policy offers:

 15% discount ​on ​Reliance HealthGain policy*​

 

Re-instatement of base sum insured, if you've exhausted the total sum insured on your medical insurance policy.
 Avail tax deductions
upto Rs. 
60,000 under section 80D​ Know more
  Health insurance premium starts at Rs 2157*
 Cashless hospitalisat​ion in over 4000+ preferred network hospitals across India.     

 Click here to know about our seamless claim process

We now have a special helpline number exclusively for ​​​​Senior Citizens . ​Call on 022-33834185​​​ for an assistance on your health polic​​​y and claim related queries.

​​For more ​information on best health insurance​ plans​ in India, call us on 1800 3009 (Toll Free)​ or get your quick health insurance quote to know your premium!​​​


 

*Installment option is applicable on a policy period of 1 year only. The premium is for a floater SI (2 adults + 1 child) with age of senior most member of 21-35 years and it does not include taxes. Total of cumulative discounts shall not exceed 15%. 5% Premium discount for girl child or single women, 5% family discount with an individual policy, 5% Premium discount for Reliance Private Car Package Policy customers​. Details mentioned here are for Reliance HealthGain Policy.


 

This health insurance policy is a perfect foil for any unseen problems you might face during your treatment. Here's a quick look at what your policy covers.

Hospitalisation expenses in case of:

  • In-patient treatment for covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours.
  • Day-care treatment for surgeries /procedures, where the insured person requires less than 24 hours of hospitalisation due to advanced technology. For the list of Day care treatment. (Please refer to Annexure -I of the policy wordings)

Pre-hospitalisation coverage for:

Medical expenses incurred before hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Post-hospitalisation coverage for:

Medical expenses incurred after hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Domestic Road Ambulance:

Expenses for domestic-road ambulance services to the nearest hospital in case of life threatening emergencies. Under Plan A, your medical insurance policy would pay upto Rs 1,500 and upto Rs 3,000 under Plan B.

    • For more details on this mediclaim policy, please refer to the policy wordings


Donor expenses:

These are expenses incurred by the organ donor. We will cover up to 50% of the base sum insured, subject to a maximum of Rs. 5 lakh/-

    • For more details on this mediclaim policy, please refer to the policy wordings


Domiciliary hospitalisation:

  • ​Sometimes it is not possible to move the patient to a hospital because of their condition or lack of accommodation at the hospital. In such cases, the patient can be treated at home. This is called ‘domiciliary hospitalisation’.

  • Medical expenses for such cases will be covered if the treatment continues for a minimum of three days.

For more details on this mediclaim policy, please refer to the policy wordings

Re-instatement of base sum insured:

  • If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, we will refill the full Sum Insured at no extra cost.
    • Please refer to Annexure -II of the policy wordings of this mediclaim policy


Cumulative bonus:

  • This is a bonus awarded at the end of each claim free policy period. When you do make a claim in any given mediclaim policy period.
  • If you don’t make any claims on your policy for a year, you earn a cumulative bonus of 33.33% on your base sum insured, at no extra cost. However, the cumulative bonus can be accumulated equal to the amount of base sum insured.
  • When you do make a claim in any given policy period, the bonus earned shall be decreased by 33.33% of the base sum insured, in the subsequent year. However, this will not reduce the initial base sum insured of your health insurance plan & your maximum reduction of cumulative bonus would be zero.

Call Option:

  • If you do not make any claim on your policy for 4 consecutive years, then by end of the 4th year your cumulative bonus will be equal to your base sum insured. In the 5th year, you can choose the “Call Option” to double your sum insured by adding this earned cumulative bonus.
  • Thereafter, you can accumulate the cumulative bonus again.

Please note that you can choose the Call Option only twice in your lifetime

For more details, please refer to the policy wordings.

Claim service guarantee:

  • Cashless health insurance claims: If we’re unable to respond within 6 business hours, even after you have completed claim request with correct documentation and information, we will be liable to pay 1% of the claim amount to you, subject to a maximum liability of 6%.
  • Reimbursement of Claims: Similarly, if we’re unable to respond within 21 days, even after you have completed your claim request with correct documentation and information, we will be liable to pay 1% of the claim amount to you, subject to a maximum liability of 6%.

For more details, please refer to the policy wordings

Policy service guarantee:

  • If, even after receiving all completed documents (including Medical reports, as applicable and premium), there is a delay of more than 10 working days from us in issuing your policy issuance, we will pay you onetime additional sum insured of Rs 10,000/- under Plan A and Rs 20,000/- under Plan B.
  • This will be applicable only for 1 year Policy Period and not for renewals/ auto-renewals.

Accidental death cover for no claim renewal:

  • Under Plan B, we will provide you an accidental death cover of Rs. 1 Lakh/- at the end of every claim-free policy year with our Company.   
  • This cover will be valid for only one year.
  • This is applicable only if the policy holder is also the insured person in the policy.

Health Insurance Renewal:

  • You can renew your medical insurance policy for free, under Plan B, if the person insured in the policy is diagnosed with a 'named critical illness'.
  • This benefit is provided once in the lifetime .
  • This is applicable only if the policy holder is also the insured person in the policy.

Named critical illness can  be referred in the policy wordings​.

Wellness Solutions:

  • Awesome discounts on various, value-added wellness services and choice of various online solutions through our wellness program.

As much as we’d like for your policy to cover any and all types of situations, it isn’t possible.
Here are some of the exclusions in the HealthGain Policy.

  • Claims for any medical expenses that occur within 30 days of the mediclaim policy start day will not be covered, unless they occur due to an injury.
  • The following illnesses or surgeries will not be covered for the first two consecutive years from the policy start date:
    • Arthritis (non-infective)
    • Osteoarthritis and Osteoporosis
    • Gout
    • Rheumatism
    • All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
    • Joint Replacement Surgery
    • Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
    • Nasal Septum Deviation, Sinusitis (and related disorders)
    • Benign Prostatic Hypertrophy
    • Cataract
    • Surgery of Genito-Urinary System (unless necessitated by malignancy)
    • Hernia, Hydrocele (all types)
    • Internal Tumours, Skin Tumours, Cysts, Nodules, Polyps, Breast lumps (each of any kind), unless malignant
    • Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
  • Any conditions, ailments, injuries or related conditions, which you, the insured person, didn’t show any signs of, and /or which were diagnosed, and / or for which you received medical advice / treatment within 36 months, prior to the policy start date.
  • As per this policy a single room is defined as a room, where a single patient is accommodated and which has an attached toilet (lavatory and bath). The room may also provide provision for accommodating an attendant. Essentially, this type of room is the most basic and the most economical of all accommodations, available as a single room, in that hospital. Any room, beyond this description, is excluded from the health insurance policy coverage.
  • The following diseases or conditions are not covered in this plan, under permanent exclusions:
    • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
    • Outside India or Robotic or Stem Cells
    • War / nuclear / chemical / biological injuries
    • Diseases such as HIV / AIDS or STDs
    • Congenital diseases (diseases present from birth)
    • Maternity- or Fertility-related conditions
    • Cost of spectacles, contact lenses and hearing aids
    • Dental treatment or surgery
    • Treatment of mental illness
    • Cosmetic, aesthetic treatment
    • Non-allopathic, diagnostics , self-medication, unproven treatments

Health Gain Insurance FAQ

Benefits

Health Gain Insurance Reviews and Ratings

Average Rating:

4.4(Based on 124 ratings)

Showing 10 reviews

  • “best network oh hospitals”

    Got the healthgain policy as Reliance has a good network of hospitals for cashless service

    Anand L14 February 2018, Nellore
  • “Good healthgain policy”

    I have a healthgain policy of reliance and I am happy with the services they provide.

    Ujjwal B13 February 2018, Mumbai
  • “Family health insurance is good at a competitive rate.”

    The transactions are smooth and the customer service is helpful. The coverage provided by family health insurance is good at a competitive rate.

    Avinash S13 February 2017, Hubli
  • “Happy with Reliance Health Insurance!”

    Happy with the HealthGain product. Loving the added benefits provided by Reliance General Insurance.

    Ashutosh V13 February 2017, Jharkhand
  • “Good experience with Reliance General Insurance”

    Had a very good experience with Reliance. Easy and quick claim settlement for my HealthGain policy.

    Abhishek C10 February 2017, Mysore
  • “Helpful customer service”

    Helpful customer service who guided me about the health insurance policy that suited me best.

    Ayan A10 February 2017, Uttar Pradesh
  • “Keep up the good job. Thanks a lot for helping me.”

    The customer support executive helped me renew 2 health insurance policies online. She was patient and very helpful in solving all my queries. Online chat experience has been the best I have experienced on any portal. I hope all the employees are as efficient as her. Keep up the good job. Thanks a lot for helping me.

    Ramnath R11 August 2016, New Delhi
  • “Claim process is streamlined”

    Reliance was a pillar of support during my son's illness. The health insurance claim process was extremely streamlined and the staff was also helpful.

    Kadri N11 August 2016, Coimbatore
  • “Thank you Reliance”

    Got an amazing discount!!! Reliance General Insurance is the best.

    Yogesh Rajapurkar21 June 2016, Satara
  • “Wonderful Support from Reliance General Team”

    I got a wonderful support from the Reliance General team, it made my work very simple. The support member helped me to renew my health insurance policy by getting all the details with the best premium compared to other companies...Thanks a lot Reliance Insurance.

    Dilip K21 June 2016, Hyderabad
  • See all reviews

​On purchase of the HealthGain policy, you get the R card! It's not just for claims, but it also gets you fabulous discounts and deals on a variety of health and lifestyle products and services.

Just download your R card here online, flash it at any of the places mentioned below (along with some photo ID) and get healthy!

25% on
investigations

Know more

25% on
OP consultation

15% on
investigations

Know more

Online Wellness Solution

With your HealthGain Policy, we offer you various online services that give you access to health experts 24/7 as mentioned below. Click here to avail these services 


  • Ask a Doctor: Consult a panel of physicians online to discuss any health queries and you will receive an answer in a couple of hours. You can also participate in Live Chats with our physicians during the day.
  • Ask a Specialist: For queries that require specialist's inputs, you can even consult with specialists in the area of gynaecologypaediatrics, oncology, cardiology and many more.
  • Health Risk Assessment: An automated health-service toll that helps you to assess your own health.
  • Get a Call from the Doctor: Request a telephone call from a general physician or a specialist to discuss any health issues on your phone.
  • Get a Call from a CounsellorRequest a call from a counsellor to discuss any personal issues with work, family or any other inter-personal issues.
  • Get a Personalised Diet Plan: Get easy access to a nutritionist in the Healthcare Magic panel to get a personalised diet plan via phone or email.
  • Fix an Appointment: Fix appointments with doctors across India with our Healthcare Magic concierge service.