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Hospi Care Insurance

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Hospi Care Insurance


​​​Surgery & ​​day care
treatment cover

Daily hospitaliz​ation​
cash benefits

No original ​bill
required for claims^

​ ​

What is ​Reliance Hospi Care Policy?

Reliance Hospi Care Policy is fixed benefit hospitalisation cash that provides you and your family members a lump sum payout for 150+ listed surgeries and 140+ day care procedures that are conducted due to illness or accident

Reliance Hospi Care Policy coverage and benefits

Hospi Care policy can be availed whether you already have other health insurance plans or not. Despite covering over 150 surgeries and 140 day care procedures, its premiums are quite affordable (starting from INR 1669* excluding taxes for a sum insured of INR 1 lakh at the age of 18), and the hospital cash plan comes with the option of lifelong renewal. The icing on the cake is that by buying this hospital cash policy, you can also avail tax benefits under Section 80D of the income tax act. , Here is a quick look at its biggest benefits that make it a must-have policy:

  • Surgical Procedure Cash: During the policy tenure, if the insured person has to undergo a surgery due to an illness or accident, he/she will get up to 100%* sum insured (depending on the surgical procedure). You will get full amount in case of surgeries like CABG (Coronary Artery Bypass Grafting), heart or lung transplant, cholecystectomy (gall bladder removal), and bone marrow transplant. In case of total knee replacement, the sum insured is 40%. 

  • Hospital Daily Cash: You will get hospital daily cash allowance of maximum up to ₹4000* per day for a maximum of 60 days. If you are admitted to the ICU, you will get double the amount of allowance. If the hospitalisation period is less than 7 days, 1 day's allowance is deductible. 

  • Day Care Treatment Cash: Up to maximum of ₹50000* lumpsum is paid for certain day care procedures, irrespective of the actual cost of treatment.  

  • Other Surgeries Cash: If a particular surgery is not listed, you can still avail maximum up to ₹20,000*as part of 'other surgeries cash' benefit, regardless of the actual cost of treatment.

  • Hospitalisation due to dengue: A lump sum amount of ₹20,000 is paid for hospitalisation due to dengue, malaria or chikungunya, if the patient remains in hospital for more than three days.

Disclaimer - ​​^Please note that we may process claim basis photocopies but original documents ​can be asked if necessary.
*Benefit would be basis the Sum Insured, please read the Sum insured wise benefits provided in Policy wordings, CIS and Prospectus​​

Reliance Hospi Care ​Policy eligibility criteria


  • The policy covers persons in the age group of 18 years to 65 years.

  • The premium amount must be paid at the inception of the policy as a single payment.

  • This is applicable solely for an insured person who is an Indian resident.

  • The daily hospital cash policy only covers medical treatment availed within India.

  • The sum insured and the benefits under the plan will be applicable on a policy year basis.

  • This policy will cover only one person per policy on an individual sum insured basis.

Reliance Hospi Care Policy Coverage Period & Waiting Periods 


  • The policy will be issued for a period of 1 or 2 or 3 year(s) based on the tenure selected.

  • A waiting period of 90 days from the commencement date of the policy shall apply to all claims under the insurance plan. No payment for any treatment, which begins during the waiting period, will be made unless the policyholder meets with an accident.

  • Specific illnesses and treatments will be covered after a waiting period of 2 years from the start date of policy. The insured person can avail the plan if he/she has been insured under the Reliance Hospi Care Insurance Policy continuously and without any break.

  • Pre-existing diseases (PED) have a waiting period of 4 years.

What is the Policy Sum Insured & Enhancement?

The sum insured ranges from INR 1 lakh to INR 10 lakh. The hospital daily cash is INR 1,000 for the former and INR 4,000 for the latter. Similarly, ICU benefit, day care treatment cash, and even lumpsum amount increase as you enhance your plan according to the sum insured as shown below:

Sum Insured/Benefits

(in INR) 







Surgical Procedure Cash

[upto 100%]







Hospital Daily Cash [upto 60








Hospital Daily Cash ICU

[upto 15 days]







Day Care Treatment Cash







Other Surgeries Cash







Hospitalisation due to








The Sum Insured can be enhanced only at the time of renewal. At the time of enhancement, the insured may have to undergo a health check-up and the waiting periods will be applied afresh for the enhanced sum insured. There may be an additional premium charged depending on the terms and conditions of the policy.


Reliance Hospi Care Policy Inclusion & Exclusions

From cardiovascular and digestive to endocrine to the urinary system, the hospital cash benefit plan covers a host of surgical and day care procedures. If the insured person is hospitalised for a surgical procedure during the policy period directly due to an illness or an accident, then we will pay the percentage of the sum insured as per the policy wording. During a particular policy year, we can settle a maximum of one claim for any listed surgery. The plan also includes benefits like hospital daily cash, ICU benefit, day care treatment cash, etc.


Since we aim to be transparent and hope to make your claim process as hassle-free as possible, we have listed the scenarios that are not covered by Hospi Care:

  • Any war-related injury is not covered under the hospital cash cover. 

  • Any intentional self-Injury or attempted suicide.

  • Any injury caused while committing a criminal act.

  • Any injury caused due to participation in any dangerous act or adventurous sports.

  • Treatment of illness or injury because of the use of alcohol, tobacco, narcotic or psychotropic substances is not covered.

  • Treatment of obesity or any cosmetic surgery.

  • Treatment for correction of eyesight due to refractive error.

  • If the treatment is done at a healthcare facility, which is not a hospital.

  • Treatment availed outside India.

  • Any treatment administered by a medical practitioner, which is outside his discipline.

  • Plastic or cosmetic surgery or treatments, unless it is considered a medically necessity.

  • Any treatment that is not a medically necessary treatment.

Reliance Hospi Care Policy Premium, Discounts & PPHC

The premium for an 18-year-old for sum insured of INR 1 lakh is INR 1669 and for INR 10 lakh is INR 8538, while for a 60-year-old, the sum insured for INR 1 lakh and INR 10 lakh is INR 7001 and INR 43263 respectively. Basically, the premium will increase according to age and sum insured. The final premium is calculated after deducting the discount part and adding the tax part.


INR 1 lakh

INR 2 lakh

INR 3 lakh

INR 4 lakh

INR 5 lakh

INR 10 lakh


INR 1669

INR 2594

INR 3790

INR 4953

INR 5688

INR 8538


INR 2446

INR 4144

INR 6034

INR 7988

INR 9364

INR 13893


INR 7001

INR 12756

INR 18071

INR 23319

INR 27995

INR 43263

Note: This is base premium excluding taxes



  • If you are an existing customer or policyholder of Reliance General, you will get a one-time discount of 10% on the premium.

  • You get a loyalty bonus of 10% discount if you have purchased an active health insurance policy through our website or mobile app.

  • If you buy or renew the policy online, you will get a 10% discount on the premium.

  • You get a policy tenure discount of 10% if the policy period of your plan is 2 or 3 years. To avail it, you should pay the premium in advance as a single sum.

  • 100% pre-policy health check-up costs will be taken care of by us.

*M​​aximum capping on discount is up to 30%

Pre-Policy Health Check-up (PPHC)

When it comes to pre-policy health checkups, you will be glad to know that 100% pre-policy health check-up costs are taken care of by us. The reports will be sent to the policyholder if proposal is accepted and policy is generated. For more details, see the table below:

Sum insured in consideration

Age group (in years)

Up to INR 5,00,000

 INR 5,00,001- INR10,00,000









CAT 3#


CAT 3#

CAT 5#


CAT 5#

CAT 5#

Category 3: MER, CBC, FBS, HbA1c, Lipid profile, SGOT, SGPT, GGT, RUA, ECG, HBsAg, S. Creatinine 

Category 5: MER, CBC, FBS, HbA1c, Lipid Profile, SGOT, SGPT, GGT, RUA, TMT, HBsAg, S. Creatinine​

Click here to read the policy wordings of Reliance Hospi Care Insurance.

*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 Hospi Care Insurance. UIN - RELHLIP20027V012021

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