Sign In
For assistance with claim related queries in the CYCLONE affected regions of Tamil Nadu, Andhra Pradesh, and Kerala, please click here

Health Insurance on EMI

Health Insurance on EMI

Benefits

HealthGain Insurance on EMI
Tax Savings
under section​​ 80D#
7300+ Cashless
hospital network
Up​​​​to 15%
a​ttractive discount*
Monthly EMI
starting at ₹381​**​

 

With COVID-19 posing an unprecedented health risk to millions, and the skyrocketing cost of treatment that can burn a hole in the pocket for as much as ₹15-₹20 lakhs in one go; it has become imperative for every individual to be covered with a health insurance plan and Health Gain is one such comprehensive health insurance plan that covers you for hospitalisation for illness and injuries including COVID-19 hospitalisation.

Buying adequate sum-insured to cover oneself and family is another extremely important factor while choosing a health plan, so that the insurance can provide you a wholesome coverage in times of medical emergency. But the desire of paying lesser premium, leads people to compromise on lower sum-insured and end up with high out-of-pocket expenses during hospitalisation.

To address this demand, we are introducing our pioneering Health Insurance Policy – Health Gain on Monthly EMI. This will take up all the hassles related to one-time annual premium payment and you can opt for a higher sum-insured by paying the premium in small monthly installments or quarterly EMIs i.e. 4 easy installments every quarter. This policy is best for those who would like a higher sum assured, but cannot afford to pay the premium at one go.​​​

Features & Benefits offered by Reliance Health Gain EMI Insurance –


Key Features
 Benefits By Reliance General

Sum Insured

Plan A : Rs. 3 Lacs, Rs. 6 Lacs, Rs. 9 Lacs

Plan B : Rs. 12Lacs, Rs. 15 Lacs, Rs. 18 Lacs

EMI Facility

Monthly EMI Starts at 381₹**

Policy Period

1/2 Years

Policy Type

Individual, Family Floater

Cashless Hospitalization

7300+ Cashless Hospitals

Age Eligibility

Child: 91 days to 25 years#

Adult: 18 years to 65 years#

Claim Settlement Ratio

98% Claims Settled^

Tax Benefits

Upto 1 Lac ₹ under 80D

Initial Waiting Period

30 Days

Co-payment

20% of the claim amount in floater policy for all insured if the age of the eldest member at any entry is 61 years or above

Individual policy for those insured whose age at entry is 61 years or above

Coronavirus Cover

Available


**Cost mentioned in the advertisement / SMS is a per month base premium excluding taxes and levies for single person aging between 5 to 20 years for sum Insured of Rs. 3 lacs considering no adverse health conditions/preexisting disease/medical conditions.

^​Public disclosure FY 19-20​



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

Health Gain Individual Cover for 1 Adult, Age 25 Years​

Choose sum insured (in Rs.) Annual Premium (in Rs.)​​ Quarterly EMI Premium Installment (in Rs.) Monthly EMI Premium Installment (in Rs.)
3 Lakhs4700
 1,246 423
6 Lakhs 5875 1,557 529
9 Lakhs 7728 2,048 696
​​

Health Gain Family Floater Cover for 2 Adults + 1 Child, Eldest Member Age 35 Years​

Choose sum insured (in Rs.) Annual Premium (in Rs.)​​ Quarterly EMI Premium Installment (in Rs.) Monthly EMI Premium Installment (in Rs.)
3 Lakhs8138
 2,157 732
6 Lakhs 10756 2,850 968
9 Lakhs 12795 3,391 1,152

Note:
- Premium displayed is excluding GST and installment option is appli​cable on a policy period of 1 year only​
​- Monthly EMI premium amount is inclusive of the 8% interest on base premium amount​
- ​Quarterly EMI​ premium amount is inclusive of the 6% interest on base premium amount​

*Avail Attractive Discounts of up to a maximum of 15% cumulatively:​

  • 5% premium discount for girl child or single women
  • 5% family discount if all members buy an individual policy (not applicable on family floater)
  • 5% premium discount on existing policyholders of Reliance Private Car Package policy.

Total cumulative discounts shall not exceed over 15% and are applicable on Health Gain Policy only.​​

**Monthly EMI premium starts with ₹382 for an Health Gain individual cover for a 20 year old for a sum-i​nsured of ₹3 lacs​

Try other features​:

Check out our other products: Arogya Sanjeevani Policy, Personal Accident Insurance and Critical Illness Insurance.

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
​

Note:
- Premium displayed is excluding GST and installment option is appli​cable on a policy period of 1 year only​
​- Monthly EMI premium amount is inclusive of the 8% interest on base premium amount​
- ​Quarterly EMI​ premium amount is inclusive of the 6% interest on base premium amount​

*Avail Attractive Discounts of up to a maximum of 15% cumulatively:​

  • 5% premium discount for girl child or single women
  • 5% family discount if all members buy an individual policy (not applicable on family floater)
  • 5% premium discount on existing policyholders of Reliance Private Car Package policy.

Total cumulative discounts shall not exceed over 15% and are applicable on Health Gain Policy only.​​

**Monthly EMI premium starts with ₹382 for an Health Gain individual cover for a 20 year old for a sum-i​nsured of ₹3 lacs​

Try other features​:

Check out our other products: Arogya Sanjeevani Policy, Personal Accident Insurance and Critical Illness Insurance.

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 wor​dings).
  • 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 Health Gain ​Policy.​​ UIN-​RELHLIP21514V022021.


Popular Searches - 

​

Health Gain Insurance FAQ

Benefits

Why do I need a health insurance policy when I’m covered under my employer's group policy?

​Your employers will cover your medical expenses only till you are employed with them. If you switch jobs or retire or start something on your own, you will not be covered under any health insurance plan in India, so it’s always good to have your own health insurance – for yourself and your family.

Apart from this, a health insurance policy can also act as a supplement to your existing medical cover in case the cost of a particular medical treatment is higher than your existing cover level.

What are the sum insured options available under Reliance HealthGain Policy?

​

​For the HealthGain policy, we offer two medical insurance plans in India with varying sum insured options:

What do you mean by Pre-Existing Disease?

​A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment within 36 months prior to 1st health insurance policy issued by Us under which the insured person was covered.

​What is a Floater Option in the Reliance HealthGain Policy?

A floater option is one where one sum insured amount covers all the insured members in the mediclaim policy. As per the policy definition, a family member is anyone who has the following relationships with the ‘proposer’:

  • Self
  • Spouse
  • Daughter / Son
  • Mother / Father
  • Siblings
  • Grandmother / Grandfather
  • Granddaughter / Grandson
  • Daughter-in-law / Son-in-law.

In a floater health insurance plan, you can opt to cover your family in any one of the following ways:

  • 2 (members >= 21 years of age)
  • 2 (members >= 21 years of age) + 1 / 2 / 3 / 4 members (members >= 5 years < 21 years)
  • 1 (members >= 21 years of age)) + 1 / 2 / 3 / 4 members (members >= 5 years < 21 years)
  • 2 / 3 / 4 members (>= 5 years < 21 years) *

* Exception: Members with age >= 91 days < 5 years have to be covered with at least 1 member of age 21 years or above.
Please note that a single insured is not allowed in family floater.

​What is an individual option in the Reliance HealthGain Policy?

Under this individual plan option, you get one health insurance policy for all the family members, but the sum insured is applicable individually for each member.

Up to 6 members can be insured in a policy and there is no validation of the combination of insured. All the family members will need to opt for same sum insured amount.

Please note that members with age >= 91 days <5 years cannot be covered under Individual cover.

What do you mean by cashless hospitalisation?

It means a facility extended by Us to the Insured where the payments, of the costs of treatment undergone by the Insured in accordance with the Policy Terms and Conditions, are directly made to network provider by the health insurance Company to the extent pre-authorization approved.
​

Please refer to the glossary.

What do you mean by reimbursement claim?

​This type of payment or settlement occurs when you, the insured, pays the hospital or nursing home for the treatment. Later, you can get this amount reimbursed by submitting the claim documents as specified in the mediclaim policy wordings, for the covered services, to Us .

What do you understand by Re-in statement 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 medical insurance policy wordings

What are pre- and post-hospitalisation expenses?

Pre-hospitalisation expenses are medical expenses incurred before hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.


Post-hospitalisation expended are medical expenses incurred after hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.


What are the different age criteria for the health insurance plans?

The age criteria for our various health insurance plans in India are as follows:
No maximum age limit for any policy with the sum insured of Rs. 3 Lakh

Minimum age entry for individual / floater option – 5 years and above. Children between the ages of 91 days and up to 4 years can be covered under a floater option along with at least one member who is 21 years old or above

Maximum entry age for all health insurance plans: 65 years. No entry age bar for Sum Insured of Rs. 3 Lac.
​

What is the maximum age for renewal under Reliance HealthGain policy?

​Age is no bar for renewals – you can enjoy the advantage of our mediclaim policy for your entire life!

What tax benefits can you avail by having a health insurance?

​The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

Do I have to undergo any medical examination?

A medical check-up is required only in some cases.

  • Under plan A, if you’re >=46 years of age
  • Under Plan B, if you’re >=18 years of age
  • Under any health insurance plan, if you’re less than 46 years of age, but suffering from a pre-existing disease*

*Based on sum insured and the age of the person
​

What kind of medical tests need to be done, if required?

​

Do I need to undergo a medical check-up every year?

No, if you renew the mediclaim policy continuously without a break and there is no change in the policy terms and conditions,

Who pays for the medical examination?

​The proposed insured(s) will need to pay for the cost of Pre-Policy Check-up (PPC) directly to the doctor or diagnostic centre. We will co-ordinate the appointment with our empanelled doctor or diagnostic centre through our appointed RCARE (In-house).

Can the nominee be changed in the mid-term of the policy?

Sure, why not?
All you need to do is, give your new nominee details to the Company.
​

How can I add my family members to my existing policy?

​You can add family members to your existing policy only when you are renewing your Individual Policy or Floater mediclaim insurance Policy subject to applicable underwriting guidelines and approval from us.

You cannot add dependants in the middle of a policy term, except in the case of a new born baby (from 91 day) or a newly married spouse. For product specific conditions have a look at the product brochures.

Can the sum insured be changed in the mid-term?

No.
​

What is Co-Payment?

​Co-payment is a cost-sharing requirement under a health insurance policy, where the Policy Holder / insured  will bear a specified percentage of the admissible costs

What is a waiting period?

​A waiting period is the length of time you, the insured, will have to wait before the benefits under the health policy can be utilised.

What is the health insurance policy tenure?

A policy tenure is the period for which an insurance policy provides coverage. Under HealthGain Policy, you can enjoy the benefits of the mediclaim policy for one year.

What are the benefits of the Health Card?

​A health card is very convenient in times of need. Firstly, you need it to facilitate cashless transactions at hospitals. Secondly, it has all of Reliance General Insurance’s contact information, which you might need during an emergency.

How do I find out which Hospitals are part of a given medical insurance network?

​Login to our website to find a list of the empanelled hospitals in our network. Alternatively, you can also call our helpline (​+91 22 48903009​) or email us at rgicl.services@relianceada.com and we will help you out.

What is 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 health insurance 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 mediclaim 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 & your maximum reduction of cumulative bonus would be zero.

What do you understand by Policy Service Guarantee?

If we cause a delay in issuing a mediclaim policy 10 days after receiving all the completed documents, information (including medical reports as applicable) and premium, we are liable to pay a 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.

What do you understand by Claim Service Guarantee?

Cashless 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.

What do you understand by Single Private Room?

​As per this medical insurance 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 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.

What is a ‘Free Look Period’?

A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, have to review the entire health insurance plan. If you disagree with any of the terms or conditions mentioned in the policy, you have the option of returning the policy by stating the reasons for the objection. Following this, you are entitled to a refund of the premium paid, provided no claim has been made under this mediclaim insurance policy (subject only to a deduction of the expenses incurred by the company on medical examination and the stamp duty charges). Please note that this facility is not applicable on renewal and portability cases.

What do you understand by 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.

How many members can be covered under Reliance HealthGain Insurance Policy?

  • ​Individual Option: Max 6 members under the same health insurance plan with the youngest member being 5 years old or above
  • Floater Option: Max 6 members under the same floater (4 members * + 2 members>=21 years of age)

* Child between 91 days & 4 years can be covered under the floater option.

​What are the various exclusions in this online health insurance policy?

The important exclusions in our health insurance plans are:

  • 30-day waiting period
  • 2-year waiting period
  • Pre-existing disease
  • Permanent exclusion

Please refer the Policy Wordings for more details.

What is the grace time to renew the health insurance policy online?

​A grace period refers to a period of 30 days immediately following the premium due date of the medical insurance policy. During this period you can pay the premium of your expired policy and avail continuity benefits such as waiting periods and coverage of pre-existing disease.

​What are the diseases covered as "Critical Illness" ?

We cover the following critical illnesses:

  • Cancer
  • Coronary Artery Bypass Graft (CABG)
  • Stroke
  • Multiple Sclerosis

​Will the health insurance policy provide cover in case of any hospitalisation abroad?

No, the health policy will not provide cover while you are abroad. For that you can opt for our travel policies.

What are the benefits under basic hospitalisation?

​Here’s a list of all the benefits you can avail of under basic hospitalisation:

  • Hospitalization Expenses

- In-patient Treatment
- Day Care Treatment

  • Pre-Hospitalization & Post Hospitalization
  • Domestic Road Ambulance
  • Donor Expenses
  • Domiciliary Hospitalization
  • Wellness
  • Cumulative Bonus
  • Reinstatement of full sum insured
  • Call Option
  • Claim Service Guarantee
  • Policy Service Guarantee
  • Accidental Death Cover for no claim renewal
  • Insurance Renewal

For details please refer to the Policy Wordings

What are "Donor Expenses"?

​The Company will provide the Policyholder up to 50% of Base Sum Insured as mentioned in the policy document subject to maximum of Rs 5 lakh, in following circumstances:

  • The organ donation is in accordance with the Transplantation of Human Organs Act, 1994 (amended) and other applicable laws and rules
  • The company has admitted the insured person's claim under the Policy
  • The organ donated is for the insured person's use.

For details, please refer to the Policy Wordings

​What is "Hospitalization Expenses"?

Hospitalisation expenses are as follows. In case of:

  • in-patient treatment for covered illnesses or injuries, where hospitalisation takes place for more than 24 consecutive hours.
  • day-care treatment for surgeries or procedures requiring less than 24 hours of hospitalisation due to advanced technology. For the list of Day care treatment, please refer to Annexure -1 of the policy wordings.

​What is "Domiciliary Hospitalization"?

    • Sometimes it happens that you should be hospitalised, but you cannot be moved to a hospital due to your condition or the hospital has no room. In such cases, you 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, please refer to the Policy Wordings.

    ​What are the discounts available in Reliance HealthGain Policy?

    Discounts are always awesome! We offer the following discounts under Medical insurance policy:
    a. Family Discount: This is applicable if more than one person of the same family are covered in the same policy, individually with same sum insured.

    A discount of 5% is awarded to a family of 2-3 members and a discount of 10% is awarded to a family of 4 or more members.

    b.Cross-Sell Relationship Benefit: If you already holdanother RGI policy (Motor or Home) you get a discount of 5% on the HealthGain policy.

    c. Special for Female Proposer: This 5% discount is applicable to any woman, who is :

    • a widow covering self/children.
    • an individual covering self (provided she is unmarried / widow / divorced).

    d. Special Discount for Girl Child: This is a 5% discount for agirl child under a floater option.

    Please note that either of the discounts mentioned in pointsc or d shall be applicable but not both.

    What are the factors than can affect your health insurance premium in India?

    ​Your health insurance premium is calculated on following parameters:

    • Cover opted( Individual/ floater)
    • Sum Insured Selected
    • Age of senior most member
    • Optional covers (add-on chosen)

    How do I register a medical insurance claim in India?

    You may register a claim by calling our Helpline numbers.
    Paid Number: ​+91 22 48903009​

    In the event of any illness or injury or any medical situation that results in a claim or may result in a claim covered under the medical policy, you should keep in mind the following pointers.

    For any planned hospitalisation, inform us at least 48 hours prior to the admission into a hospital.

    For any emergency hospitalisation, inform us within 24 hours of the admission into a hospital.

    Does a claim have to be lodged or made in a specific time frame from the time of the accident?

    ​We recommend that you initiate the Health Insurance claim process as soon as you can. You will need to submit written proof of the claim along with the signed claim form to us within a maximum period of 60 days from the date of discharge.

    ​What are the documents required for a health insurance claim in India?

    At the time of filing a Health Insurance claim, along with your claim form, you need to submit the following documents:

    • Duly completed and signed claim form, in original
    • Medical practitioner's referral letter advising hospitalisation
    • Medical practitioner's prescription advising drugs / diagnostic tests / consultation
    • Original bills, receipts and discharge card from the hospital / medical practitioner
    • Original bills from pharmacy / chemists
    • Original pathological / diagnostic test reports and payment receipts
    • Indoor/in-patient case papers
    • Ambulance receipt and bill
    • First Information Report (FIR)/ Final Police Report in Medico-Legal Cases (MLC), if applicable
    • Post mortem report in MLC, if applicable
    • Any other document as required by the company to assess the claim

    Is there a limit on the number of claims that one can make in a health insurance plan period?

    No, there is no limit on the number of Health insurance claims made in a policy period subject to the maximum limit of sum insured.

    If I avail of the cashless facility, will you, the insurer, pay the complete amount?

    ​We will make payments towards all admissible charges upto the limit of your sum insured.

    Under what circumstances can Reliance General Insurance Company reject my medical insurance claim?

    ​A claim can be rejected if it does not comply with the terms and conditions of the policy.

    Does a higher cover provide privileged treatment in case of hospitalisation and claim?

    ​No, it doesn’t. However, a higher cover would mean a better protection.

    Health Gain Insurance Reviews and Ratings

    Average Rating:

    4.9(Based on 158 ratings)

    Showing 10 reviews

    • “Digital platform is the Best”

      Self I application is easy to used for all the customer. We can take most of the services through one single app. This digital platform is the Best. I am always satisfied when I use Self-I app.

      PANDURANG SAWANT7 July 2022, Maharashtra
    • “Overall Happy with services of Reliance General Insurance”

      I use Reliance Self-I application. Self-i is easy to use and comfortable for me to take the policy related services, hassle free. I am overall Happy with services of Reliance General Insurance.

      MITULKUMAR PRAJAPATI2 July 2022, Gujarat
    • “80D”

      Self I application is easy to use. We can take all the services through one application for e.g , Claim Intimation, Claim Status, Policy Soft Copy etc. It's really simple and user friendly app.

      G CHANDRASEKHAR20 April 2022, ODISHA
    • “80D”

      I have a Health policy with Reliance General Insurance. I called your contact center related to my queries. The advisor was very helpfull and helped me to resolved all my issues on a single call related to claim information as well as policy hard copy. It was a very good experience for me with the services given.

      MANISHNASKAR19 April 2022, WEST BENGAL
    • “80D”

      I am very happy with your services. I had requested for correction in my policy for the email id and the same has been completed within time. The advisor was very supportive and took a request for my correction immediately. The service which I received from contact center is simply excellent.

      ROHIT PARMAR Rohit Parmar19 April 2022, Rajasthan
    • “80DCard”

      I had done the endorsement in my policy via contact center. Advisor was very helpful and understood my problem. They did the endorsement within time. Overall interaction was amazing. I am really happy with the way advisor helped me.

      Arunsingh19 March 2022, Haryana
    • “HealthClaim Intimation”

      Self-i application of Reliance General Insurance is very easy to access. I had intimated my health claim from the app. I shared all my documents via e-mail and received response within 24 hours for the same. Reliance always provided me best services.

      Himalaya tiwari18 March 2022, Uttar Pradesh
    • “HealthClaim Intimation”

      I am an employee of RELIANCE NIPPON LIFE INSURANCE CO LTD. I used self-i application for claim intimation because it's very easy to use. Also, uploaded all the documents in one go. I am really satisfied with Self-i's quick services.

      Avinash kumar17 March 2022, Bihar
    • “HealthClaim Intimation”

      I used self I application for claim intimation. It is very easy to use and friendly. I intimated my claim over the app and I also uploaded all the documents in one go. I haven't faced any problem, application was easy to use.

      Roopraj13 March 2022, Maharashtra
    • “80DCard”

      Reliance general insurance website is very easy to access. It was easy to intimate my Health claim over the website. Reliance general insurance has approved my claim and I am very happy for their helpful services. Also, I bought another policy for one of my family member. The services are excellent.

      Rakesh12 March 2022, Haryana
      • 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!

    10% on
    medical and surgical items

    15% on
    Apollo products

    Know more

    25% on
    investigations

    Know more
    More Offers

    ​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 gynaecology, paediatrics, 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 Counsellor: Request 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.