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Health Insurance on EMI

Health Insurance on EMI


HealthGain Insurance on EMI
Tax Savings
under section 80D#
discount of up to 15%*
Auto refill
of Sum Insured


Due to the yearly increase in the number of lifestyle diseases and sky-rocketing medical inflation in India, health insurance has become imperative for every individual. A simple medical treatment in the hospital can burn a massive hole in your savings. Here’s introducing our pioneering Health Insurance policy on EMI that takes up all hassles related to your treatment so that you can focus only on your recovery. Now enjoy the protection of Reliance HealthGain Policy in four easy installments​. This policy is best for those who would like a higher sum assured, but cannot afford to pay the premium at one go.​​

Other benefits offered with this health insurance policy:

*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.
**Premium estimate​ has been calculated for an individual who is 25 years old and has selected a sum insured of Rs. 3 lakhs.

Want to know more about the installment options? Take a look at this!​

Choose sum insured (in Rs.) Select the number of members to be covered Pay your first installment of the premium* (in Rs.)
3 Lakhs2+1 members 2157
6 Lakhs 2+1 members 2850
9 Lakhs 2+1 members 3391

*Installment option is appli​cable on a policy period of 1 year only.


Looking for a great taxing saving investment?

As per section 80D​,​ avail deductions of up to ​ Rs 1,00,000# on medical insurance premium. Take a look at below table to know more about the available deductions from gross total income and avail tax benefit of upto Rs. 35,880/-##:

DescriptionMedical Insurance Premium Paid forTotal deduction under section 80D
Self, Spouse and Dependent ChildrenParents (Whether Dependent or Not)
No one has attained the age of 60 Years ` 25,000 ` 25,000 ` 50,000
Assessee and his family is less than 60 years and parents are above 60 years of age ` 25,000 ` 50,000 ` 75,000
Assessee and his parents have attained the age of 60 years and above ` 50,000 ` 50,000 ` 1,​​​​00,000

#Deductions are subject to provisions of Sec.80D of the Income Tax Act, 1961 'the Act' and applicable amendments and are subject to change in the tax laws. 80D deduction is subject to fulfillment of terms and conditions mentioned in the Act.
##​ Considering maximum marginal rate of tax @35.88% including surcharge and cess.​

What we cover-

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-hospitalisati​on coverage:

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

Post-hospitalisation coverage:

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.

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/-.

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.

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.

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%.

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' (Named critical illness can  be referred in the policy wordings).
  • This benefit is provided once in the lifetime .
  • This is applicable only if the policy holder is also the insured person in the policy.

Wellness Solutions:

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

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

What we don't cover-

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:
    • Gout
    • Rheumatism
    • Arthritis (non-infective)
    • Joint Replacement Surgery
    • Osteoarthritis and Osteoporosis
    • Cataract
    • Benign Prostatic Hypertrophy
    • Hernia, Hydrocele (all types)
    • Nasal Septum Deviation, Sinusitis (and related disorders)
    • Surgery of Genito-Urinary System (unless necessitated by malignancy)
    • Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
    • Internal Tumours, Skin Tumours, Cysts, Nodules, Polyps, Breast lumps (each of any kind), unless malignant
    • All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
    • Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
  • 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:
    • Dental treatment or surgery
    • Treatment of mental illness
    • Cosmetic, aesthetic treatment
    • Diseases such as HIV / AIDS or STDs
    • Outside India or Robotic or Stem Cells
    • War / nuclear / chemic​al / biological injuries
    • Congenital diseases (diseases present from birth)
    • Maternity- or Fertility-related conditions
    • Cost of spectacles, contact lenses and hearing aids
    • Non-allopathic, diagnostics , self-medication, unproven treatments
    • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts

Take a look at our seamless claim process-

For Cashless hospi​talization-


For Reimbursement-​


Click here to know more

That's not all, there are a lot more ways to benefit from your medical insurance company. To find out how, keep reading. *T&C apply. D​etails mentioned here are for Reliance HealthGain ​Policy.​​

Health Gain Insurance FAQ


Health Gain Insurance Reviews and Ratings

Average Rating:

4.4(Based on 136 ratings)

Showing 10 reviews

  • “Don’t miss health insurance”

    I paid my own bills last year when I was admitted to the hospital and it was painful as I didn't had a health insurance policy

    Himani S14 January 2019, Bengaluru
  • “prone to viral fever”

    Bought health insurancefor myself as I am a bit prone to viral fevers

    Shubh R28 December 2018, Kolkata
  • “Healthgain health insurance has great benefits”

    Awesome benefits in Reliance's Healthgain health insurance policy

    Rahul K21 December 2018, Ahmedabad
  • “Health Insurance for the Long Run”

    Now I see the use of buying health insurance when I am young. Auto refilling of the sum insured makes this a good policy.

    Sarosh C6 December 2018, Mumbai
  • “Liked health insurance on EMI”

    I purchased the health insurance on EMI for myself as I didn't want to spend in one go.

    Prasad S6 April 2018, Hyderabad
  • “got health insurance quote instantly”

    got an instant quote for health insurance depending on my needs.

    Suraj S15 March 2018, Kerala
  • “Premium calculator helped”

    Used the mediclaim policy premium calculator to calculate my premium and it helped me fasten the process of buying health insurance

    Shanaya F8 March 2018, Hyderabad
  • “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
  • See all reviews

​On p​urchase 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

Know more

25% on
OP consultation

15% on

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.