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Reliance Health Gain Insurance

Get a unique set of benefits starting at ₹243/month#

2X Sum
No room
rent limit
of SI
Get Quote
U/S 80D##
98.6% CLAIMS

What is Reliance Health Gain Insurance?

Health Gain is a Health Insurance policy, which is available in Individual as well as Family Floater Plans, with benefits such as cashless hospitalization, reinstatement of base sum insured, pre and post hospitalization expenses, and numerous add-on features.

Hospitalisation Expenses: Covers In Patient Treatment, Day Care & Accommodation Bonus. Get Accommodation Bonus (fixed daily cash) when you opt for a specific category of room, as per your plan
Domiciliary Hospitalisation: Covers 3 or more day of home hospitalization If an insured is incapable of travelling to a hospital or no bed is available
Reinstatement of sum insured: Your sum-insured is restored, if you exhaust the entire amount in a single policy year.
Cumulative bonus: Every claim-free year gets you 33.33% of your base sum-insured as Cumulative Bonus up to a maximum of 100%, and in case of a claim, the bonus gets decreased by 33.33% of base Sum-insured.
Claim service guarantee: We guarantee to serve Cashless Claim within 6 business hours and reimbursement claim within 21 days or else we pay 1% of the delayed claim amount.
Ambulance Cover: Get ambulance from any hospital and/or a service provider, and we’ll cover it for you
Pre & Post Hospitalisation: From doctor consultation or diagnostic tests leading to a hospitalisation or post surgery recovery expenses, we cover them all.
Extra Sum Insured: this cover gives you extra 20% of your sum-insured to be used on the same claim on exhaustion of your base SI
Waiver of premium on critical illness: In case of detection of a listed critical illness we will waive off the renewal premium for that year.
Policy service guarantee: We pay an additional sum as per your policy plan where policy issuance goes beyond 10 Working days from date of receipt of all required and completed documents

Why choose Reliance Health Gain Insurance?

Wide Network Hospitals
There are approximately 9,100+ cashless hospitals in India, allowing you to receive care in locations other than your home.
No Room Limits
Get the luxury of choosing the room of your choice for your treatment, ensuring that you are comfortable throughout the procedure. You have the option of upgrading to a twin room or a single private AC room.
Modern Treatment
We also offer up to 100% of SI on modern treatment alternatives, because of advancements in science and the incorporation of robotic modern treatments.
Consumables Covered
Any other consumables in the room, such as the TV, phone, or air conditioning, as well as surgical equipment such as cotton, injections, gloves, and so on, are covered.
Double Cover
After the Base Sum Insured has been exhausted, you will receive an additional 100% of the Base Sum Insured to use on the same claim.
Home care Treatment
If the patient had to be treated at home due to an emergency or a doctor's recommendation, the costs of the treatment are covered.

Beneficial Discounts and Offers**

10% Discount
For buying this policy online
7.5% Discount
For existing RGI retail policy (non-health)
15% Discount
For taking good care of your health
Upto 12% Discount
For buying the policy for 2/3 years
10% Discount
For existing RGI health policy
10% Discount
RGI employee discount

Sum Insured Options

New Business Base Sum Insured (in lakhs)3, 510, 15, 2025, 30, 50, 100
Renewal Business/ Call Option Base Sum Insured (in lakhs)3, 5, 6, 910, 12, 15, 18, 20, 2425, 30, 36, 40, 48, 50, 60, 72, 80, 100

Take a look at the Eligibility Criteria

Entry Age (Maximum) 65 years (No entry age bar for a sum-insured of ₹3 lakhs)
Entry Age (Minimum) Dependent children can be covered from 91 days to 25 years of age under Floater Cover. Children above 5 years can be covered under an Individual Cover with at least one member aged 18 years or above as prosper
Exit Age No exit age. This policy offers lifelong renewability
Individual policy Maximum 8 members can be covered on individual sum-insured basis (Self, Spouse, Son, Daughter, Father, Mother, Father-in-law, Mother-in-law, Brothers, Sisters, Grand Parents, Grand Children, Daughter-in-law and Son-in-law)
Family Floater Policy Plus - Maximum of 2 Adults (Self + Spouse) and 6 children
Power - Maximum of 4 Adults (Self+ Spouse + one set of dependent Parents or Parents-in-law) and 6 children
Prime - Maximum of 6 Adults (Self + Spouse + set of dependent Parents + set of Parents in law) and 6 children

Waiting Period for Reliance Health Gain Insurance

First 30 days waiting period 30 days waiting period applicable from the start of the policy date towards treatment of any illness except for claims related to an accident.
Pre-Existing Disease Waiting 3 years waiting period for expenses related to the treatment of PED. A continuous coverage of 36 months is essential after the date of inception of the first policy.
Specific Waiting Period+ 2 years waiting period applies to specific diseases. A continuous coverage of 24 months is essential after the date of inception of the first policy.
Covid-19 Waiting Period 15 days waiting period for Covid-19 treatment from the first policy commencement date.

+ For detailed list of diseases, do read the prospectus / policy wordings available on our website

Understand Coverage Offered by Health Gain Insurance Policy

Inclusions of the Insurance

At Reliance Health Insurance, we try and provide the best for our customers, to ensure they have a lot under one umbrella. The inclusions of the policy are:

  • Hospitalization expenses
  • Domestic Road Ambulance
  • Domiciliary Hospitalization
  • Modern Treatment
  • Pre and post hospitalization
  • Organ doner expenses
  • Reinstatement of Base Sum Insured
  • Extra Sum Insured
  • Accidental Death Cover
  • Waiver of Premium
  • Cumulative Bonus
  • Call Option for Enhancement of Base Sum Insured
  • Loyalty cover
  • Wellness Services
  • Claim Service Guarantee
  • Policy Service Guarantee

Exclusions of the Insurance

At Reliance General Insurance, we believe in transparency. To ensure that you do not face any unpleasant surprises while making a claim, do take a look at some of the major exclusions of the policy:

  • Investigation & Evaluation/ Wellness and Rejuvenation
  • Dietary Supplements & Substances
  • Cosmetic or Plastic Surgery unless due to Accident/Burns or Cancer
  • Hazardous or Adventure sports
  • Breach of law
  • Substance Abuse and Alcohol
  • Refractive Error less than 7.5 diopter
  • Sterility and Infertility
  • Maternity Expenses
  • Dental Treatment
  • External Congenital Anomaly
  • Non-Allopathy / Treatment except AYUSH
  • Self-injury or suicide
  • Nuclear Attack/War

Easy & Faster Claim Process

You can choose between cashless and reimbursement claims as per your convenience. For cashless claims, you must get treated at a network hospital where the insurer would settle the bills directly with the hospital authorities. If you want reimbursement claims, pay your bills initially and retain the original bills and receipts. Submit the original bills when you raise the claim.

Register Claim
During a medical emergency, inform the claims team regarding hospital admission. Click here to send a mail immediately and inform us about the incident or log in through the Self-i App, or call up (022) 4890 3009 (Paid Number).
Claim Process
Submit details regarding the type of treatment planned and provide all required documents to the claims team. They will start the process immediately.
Claim Approval
Get cashless treatment if you have opted for a network hospital. For non-network hospitals, you can follow the process as mentioned by the insurer.
*Maximum discount applicable for the policy is 40% excluding long term healthy discount(aggregate)
#Starting cost in the advertisement is excluding taxes for single person aging between 5 years to 20 years with individual health policy for Sum Insured of ₹ 3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12) & when the same premium is divided by 365 days (2,919/365) , Rs. 8/per day is the final cost.
##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.
**These are optional covers and need to be opted separately while purchasing the policy.
T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122

Here's what our customers say about us!

 *T&C apply | | +91 22 48903009 (Paid) | IRDAI Registration No. 103. Reliance General Insurance Company Limited. Registered and Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai- 400063. Corporate Identity Number:U66603MH2000PLC128300. Trade logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.

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