What Is Reliance Specially Abled Health Insurance?
With medical inflation on an all-time rise, people have understood the importance of owning an adequate health policy. While the market is flooded with health products that offer even customization to people, there aren't many policies that are designed to cater the needs of the Specially Abled. And with over 26.8 million* population in India facing some disability or the other, we felt there was a need to have a health policy that covered them too.
In the light of the specially abled health insurance cover, RGICL incorporated in the respective Acts and with the objective of making available an appropriate product offering health insurance cover for certain vulnerable sections of society viz. Persons with Disabilities (PWD), Persons afflicted with HIV/AIDS, and those with Mental Illness. That is why we hereby introduce the 'Reliance Specially Abled Health Insurance'.
What does Reliance Specially Abled Health Insurance cover?
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1. Hospitalisation Expenses: Inpatient Treatment, Day Care procedure
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2. AYUSH Treatment: Medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to 50% of Sum Insured.
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3. Pre & Post Hospitalisation: From doctor consultation or diagnostic tests leading to a hospitalisation or post-surgery recovery expenses, we cover them all.
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4. Emergency Ground Ambulance: Expenses incurred on road Ambulance subject to a maximum of ₹2000/- per hospitalisation.
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5. Modern Treatment: Covers In-patient or as part of Day Care Treatment in a Hospital up to 50% of Sum Insured.
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6. Cataract Treatment: Covers medical expenses incurred for treatment of Cataract, subject to a limit of ₹40,000/-, per each eye in one policy year.
*Source: https://wecapable.com/disabled-population-india-data/#:~:text=Overall%20Disabled%20Population,people%20in%20India%20are%20disabled.
Why choose Reliance Specially Abled Health Insurance?
Wide Hospital Network
We offer treatment across 10,000+ cashless hospitals in India, allowing you to receive care wherever you are, in locations whether near or far from your home.
Sum Insured Options
Sum insured available (in INR)
| ₹4 lacs and ₹5 lacs
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Take a look at the Eligibility Criteria
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Entry Age | Age eligibility for adults: 18 years to 65 years
Age eligibility for dependent children: 1 year to 17 years |
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Exit Age | No exit age. This policy offers lifelong renewability |
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Coverage | Individual Policy |
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Policy Tenure | 1 year
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Waiting Period
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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. |
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Pre-Existing Disease Waiting | 24 months for pre-existing disability/ 36 months for all pre-existing conditions other than HIV/AIDS and Disability
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Specified Disease/Procedure++ | 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.
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++For a detailed list of diseases, read the
prospectus/policy wordings
Inclusions within the policy
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:
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In-patient hospitalization
Ayush treatment
Pre & Post hospitalization
Emergency Ground Ambulance
Cataract treatment
Modern Treatment
Exclusions within the policy
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:
Admission primarily for investigation & evaluation
Admission primarily for rest Cure, rehabilitation, and respite care
Expenses related to the surgical treatment of obesity that does not fulfil certain conditions.
Change of Gender treatments
Expenses for cosmetic or plastic surgery expenses related to any treatment necessitated due to participation in hazardous or adventure sports
^Following is a partial list of the policy exclusions, please refer to the policy wording for the complete list of exclusions.
Easy & Faster Claim Process
Cashless
Step 1 - 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).
Step 2 - 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.
Step 3 - 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.
Reimbursement
Step 1 - 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).
Step 2 - Claim process & payment - Submit details regarding the type of treatment planned, start the treatment and make the payment
Step 3 - Reimbursement process - Submit your original scan documents within 7 days from hospital discharge to initiate the reimbursement
*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 here are for Reliance Specially Abled Health Insurance UIN: RELHLIP23197V012223
