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Reliance HealthWise Insurance Policy


Reliance Health Insurance

​​​​There is nothing like seeing your family healthy and happy. However, no matter how hard you try, you cannot control unexpected illness and/or accidents. And unexpected medical emergencies lead to unplanned expenses. It’s good that you have insured your family’s health under Reliance HealthWise Insurance, but it is equally important to timely renew the same. ​

​This medical insurance policy offers host of covers toward medical emergencies

  • Hospitalization expenses
  • Domiciliary Hospitalization
  • Day Care Treatment
  • Pre & Post Hospitalization cover
  • Nursing Allowance
  • Pre existing coverage after 4 years of renewal
    • Cost of Health Check up reimbursement after 4 claim free years

​With Reliance HealthWise policy, we offer comprehensive and affordable health insurance. The Health policy provides cover for:

Hospitalisation Expenses

  • Complete hospitalization cover
  • Inclusive of doctor fees
  • Nursing expenses, OT charges
  • Medicines and drugs
  • Anesthesia and oxygen administration expenses
  • Surgical appliances, pacemaker and radiotherapy

Day-Care Treatment

  • Coverage for treatment where the insured person requires less than 24 hours of hospitalisation due to advanced technology
  • Subject to treatment or surgeries listed in the policy document

Domiciliary Hospitalization

Policy covers expenses incurred towards treatment administered at home, in case of below mentioned reasons:

  • Patient’s medical condition restricting him/her from being shifted to hospital
  • Lack of accommodation in any hospital or nursing home

Pre- and Post-Hospitalisation

  • We cover you for a specified number of days before and after hospitalization for the illness mentioned in your policy.

Donor Expenses

  • We will cover you for the expenses incurred by the donor in case of major organ transplant (available only under Gold and Silver Plans)

Value Added Covers

  • Under Reliance HealthWise Insurance you can avail value added covers like:
  • Nursing Allowance for a maximum period of five days, on recommendation of the treating Medical Practitioner
  • Expenses for domestic road ambulance services to the nearest hospital
  • Expenses of an accompanying person at the Hospital/Nursing Home for a maximum of five days
  • Reimbursement of cost of health check-up after four claim-free renewals

​The best way to understand your medical insurance cover is to know the exclusions of your health policy equally well. Things not covered under Reliance HealthWise Insurance are:

  • Any pre–existing illness for the first two years/ four years of the policy as per the plan selected
  • Specified illnesses for the 1st year
  • Specified illnesses in the case of domiciliary hospitalisation
  • Treatment related to HIV / AIDS
  • Treatment due to abuse of alcohol or intoxicants
  • Vaccination and inoculation
  • Nuclear and war perils
  • Naturopathy treatment

On purchase of the HealthWise 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!

20% on

10% on

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