Covers 10
critical illnesses
Lump sum
payment
No medicaltest required
Policy for
1 & 3 years
Reliance Critical Illness Insurance is a health plan that offers specialised coverage for managing treatment costs for critical illnesses like stroke, kidney failure, cancer, etc. It covers 10 critical illnesses*, with a lump sum payout ranging from ₹5 lakhs to ₹10 lakhs.
For example, if your family has a history of heart disease and you're at risk of developing it later in life, a critical illness policy will pay the full sum insured amount upon a diagnosis from your doctor for heart disease or surgery. So, if you bought a ₹10 lakh critical illness policy, you will get the full ₹10 lakh on diagnosis. You can use this amount to pay for surgery costs, cardiac medication, follow-up visits to the hospital and any other costs.
The Reliance Critical Illness Insurance plan offers coverage to a single person with flexible policy durations of 1 and 3 years*. With the Reliance Self-i app, you get a streamlined claims process, meaning you get the lump sum payout right when you need it.
Reliance Critical Illness Policy Benefits
Up to ₹10 Lakhs Sum Insured
Get a high, customisable critical illness cover with SI from ₹5 Lakhs to ₹10 Lakhs to cover the treatment of your critical illness.
Covers 10 Critical Illnesses
We cover 10 of the most common critical illnesses in one plan, including cancer, stroke, heart valve repair and organ transplant.
No Medical Test
If you are under 45 years of age and without any past/present medical history, no medical test is needed for instant critical illness policy issuance.
Flexible Policy Duration
We offer flexible 1 or 3-year policy terms for uninterrupted critical illness coverage, letting you focus on recovery without financial stress.
Up to 50% Discount*
If you don't make claims during your policy period, you get up to 50%* discount during your policy renewal as a reward for your claim-free years.
Tax Benefits
Along with comprehensive coverage and lump sum payouts, you can claim tax benefits on premiums paid under Section 80D of the Income Tax Act.
Critical Illness In India Key Insights
Today, an organ transplant surgery, like a kidney transplant, can cost anywhere between
₹5 lakh to ₹15 lakh, depending on the severity.
And with cancer rates on the rise, approximately
15 lakh cancer cases in 2024 alone, having a specialised
health insurance plan like critical illness insurance is essential to prevent any financial strain on you or your family.
Why 5 Crore+ Policyholders Trust Us?
A critical illness can turn your life upside down. Our Reliance Critical Illness Insurance plan is designed to ensure you focus on your recovery and not the cost of treatment.
Claims Via Self-i App
Reliable Claim Processing |
Tax Benefits on Premiums*
Tax benefits under Section 80D |
24/7 Customer Assistance*
Round-the-Clock Support |
10,000+ Hospitals*
Extensive network across India |
Discounts Under the Reliance Critical Illness Policy
10% Cumulative Discount for Policy with 3-year Term
Get a 10%* cumulative discount (up to 50%) on renewal premiums after every 3 claim-free years.
5% Discount for Policy with 1-Year Term
Get a 5%* cumulative discount (up to 50%) on renewal premium after 1 claim-free year.
Note: These discounts are subject to maximum limits. Please ensure you check your
policy terms and conditions before purchase
Reliance Critical Illness Policy: Inclusions and Exclusions
|
Critical Illnesses Covered |
What is Not Covered? |
Aorta Graft Surgery: Covers first-time surgical repair of an aortic aneurysm, confirmed any 2 of the following: CT, MRI, echo, angio or abdominal ultrasound.
Open Heart Replacement: Covers open heart valve replacement/repair for one or more valves, diagnosed by echocardiography and confirmed by an authorised doctor.
Cancer of Specified Severity: Covers blood, blood vessel, bone, and connective tissue cancers when diagnosed by an authorised pathologist or oncologist.
Bone Marrow Transplant: Covers haematopoietic stem cell bone marrow transplant procedures confirmed and performed by a specialist.
Major Organ Transplant: Organ transplants for the heart, lung, liver, kidney and pancreas due to end-stage organ failure are covered.
Kidney Failure: Covers end-stage kidney failure with irreversible failure of both kidneys, where a transplant or regular renal dialysis is required.
Multiple Sclerosis: Covered only if you have a confirmed diagnosis with MRI and CSF reports and symptoms persisting for more than 6 months.
Total Blindness: Covers clinically record NLP (No Light Perception)/Complete lack of light perception in both eyes.
Quadriplegia: Covers permanent and total paralysis of all limbs due to injury/disease of the brain/spinal cord that persists over 3 months
Third-Degree Burns: Covers third-degree burns and scarring affecting at least 45% of the body, characterised by severe skin damage and sensation loss. |
Pre-existing diseases, HIV/AIDS, Congenital or Genetic Disorders: We cover a wide range of critical illnesses, except for HIV/AIDS, pre-existing critical illnesses and health conditions, and critical illnesses that result from a congenital or genetic condition.
Waiting Periods and Unauthorised Diagnoses: Any critical illness you may develop during the 90-day initial waiting period is excluded. Plus, we only accept medical reports and diagnoses from authorised medical professionals during claims.
Accidental Injuries, Pregnancy and Maternity: Your treatment costs are fully covered, but any accidental injuries that lead to complications, and critical illness conditions worsened or prolonged by pregnancy or childbirth are excluded.
Drug or Alcohol Abuse: Any critical illness due to the consumption of alcohol or other illegal substances.
Intentional Injury: Any critical illness caused when saving another human life is covered, but self-inflicted injuries or intentional exposure to dangerous situations are excluded.
War, nuclear weapons, or terrorism: Any critical illness caused by war, nuclear weapons, ionising radiation or contamination by radioactivity from nuclear fuel. |
Note: For the complete list of Inclusions and Exclusions, please refer to the policy wording
here.
Details Needed to Buy Our Critical Illness Policy
Here are some of the key eligibility and coverage requisites of our Critical Illness cover, helping you analyse if this is the right policy for you. Knowing these limits will also help you choose the most suitable plan option, ensuring you receive enough coverage.
|
Parameters |
Details |
| Age Limits | Adults between 18 and 65 years can buy this policy. |
| Maximum Entry Age | 65 years for a ₹5 Lakh sum insured
60 years for a ₹7 Lakh sum insured
55 years for a ₹10 Lakh sum insured |
| Medical Check-up | Pre-policy medical check-up not required for individuals up to 45 years of age with no medical history.
For individuals aged 46 and above, a medical test is required before purchasing a policy. |
| Coverage Continuity | Lifelong renewability |
| Policy Tenure | Option between 1-year and 3-year plans |
How to Buy and Renew Reliance Critical Illness Policy
Buy Online
Scroll to the top of this page to buy our critical illness insurance policy.
Select the preferred sum insured value, policy tenure and add your details.
Tick the check box to accept the terms and conditions.
Once done, click on "Check Our Prices" to check the premium quote.
Make the payment and receive the policy in your registered email.
Renew Online
Go to the calculator at the top of this page and select "Renewal".
Enter your policy number or mobile number as needed.
Click on "Send OTP" to verify and continue with the process.
Review and edit your existing policy if required.
View the updated premium and pay online to renew instantly.
Things to Check When Filing a Claim
Here are a few important things to keep in mind to ensure a quick and easy claim settlement process. Knowing these policy clauses can help ensure you get the full claim amount on time upon diagnosis of a critical illness.
Policy Period
This is the timeframe the policy will be active for. For example, our critical illness insurance plan is available for 1 and 3 years*, meaning your policy coverage can last up to 3 years (based on your chosen tenure) after which, you must renew your policy. You will also only be able to file claims during the policy period, not before or after it.
Policy Type
Who this policy covers is also an important factor to check for. Our critical illness insurance plan is an individual policy, meaning it will only cover one person. So, if you're listed as the policyholder under the policy, it will only cover your medical costs when filing a claim.
Check the Waiting and Survival Periods
- 90 days initial waiting period.
- 30-day survival period for illnesses covered under Category 1.
- 60-day survival period for illnesses covered under category 2.
Know Your Responsibility As the Policyholder
- Pay the policy premiums on time.
- Avoid filing a false claim.
- Declare your medical history honestly.
Maintain Continuity
It's important to renew your policy on time, because if you lose coverage you will no longer be covered for your healthcare costs. So,
renew health policy within 30 days of the policy end date to enjoy continued coverage.
Know the Deductibles
Understand the applicable co-pay and deductible amount. If applicable, you will have to pay it before your claim is settled. Simply put, the deductible amount needs to be fully paid by you before we start covering any of your medical costs.
Co-pay in health insurance is the amount you need to pay on every claim before we cover the rest of the medical cost.
How to File a Claim Under the Reliance Critical Illness Policy
Steps to File a Claim
Notify Us
Inform us about the critical illness insurance claim request to RCare immediately or within 7 days of the event's occurrence by one of the following methods.
- Call us at 022-4890-3009 (paid) or 022-3383-4185 (paid) - Exclusive for senior citizens
- Send an email to Rgid.Rcarehealth@relianceada.com
Submit the Documents
Complete and submit the critical illness claim form along with the necessary supporting documents. The list will include hospital bills, treatment expenses, consultation charges and other health-related treatment receipts.
Verification
We will review the documents and form. In some cases, we can request additional documents and proof.
Reimbursement
Upon verification, we will reimburse the applicable claim amount as per your critical illness mediclaim policy to your registered bank account.
more details on the claim process, please read the
policy wordings.
How is Reliance Critical Illness Policy Better than Other Plans?
|
Parameters |
Reliance Critical Illness Policy |
Insurer A |
Insurer B |
| Starting Premium | ₹243/month* | ₹350/month* | ₹451/month* |
| Critical Illnesses Covered | Up to 10 | Up to 11 | Up to 9 |
| Critical Illness Benefit | Lump sum cash payout | Lump-sum payout on diagnosis | Lump-sum payout on diagnosis |
| Network Hospitals | 10,000+ | 12,000+ | 21,700+ |
| Medical Tests | Not required till the age of 45 | Should be done | Should be done |
Key Takeaways
The Reliance Critical Illness Policy is a single-member coverage plan designed to provide specialised coverage against critical illnesses. It offers a lump sum payout to help you cover treatment and recovery costs. You can also use your payment to get second opinions on your diagnosis or to help manage living expenses later in the later stages of the illness.
Our plan covers 10 critical illnesses like cancer, stroke, organ transplant, open heart surgery, kidney failure, coma, and more. You receive an immediate sum insured payout up to ₹10 lakhs, cumulative discounts up to 50%, along with 50% reimbursement for pre-policy medical check-ups if you're over 45 years.
Reliance Critical Illness Insurance ensures that you are financially covered when you need it most. When critical illnesses strike, we strike back!
Frequently Asked Questions
What is a better option - A health insurance critical illness add-on or a standalone policy?
A health insurance plan provides comprehensive coverage for a broad spectrum of medical expenses, whereas a critical illness insurance plan offers specialised coverage for specific life-altering diseases. You can combine the critical illness add-on to your base policy for a slightly higher premium.
When choosing between these two, you need to assess your risk of being diagnosed with a critical illness and your age. This will help you determine the level of coverage you need, which is limited to the one available under an add-on or a standalone policy.
In some cases, having both a health insurance plan and a critical illness plan is a good investment. This is because, while you receive financial assistance for all medical expenses under a health insurance plan, you also have a financial safety net that offers a lump sum payment for critical illnesses.
Why would I need support for lost income from critical illness insurance?
When you are diagnosed with a critical illness, your ability to work and earn your monthly income reduces significantly. In such situations, you and your family members might have limited or no financial resources to cover daily expenses. Thus, when you buy a critical illness insurance policy, you get financial compensation from us via a lump sum payout to support your family's needs and cover the lost income.
What is the difference between a waiting period and a survival period?
The
waiting period in health insurance is the time during which you cannot file claims or get coverage for specific treatments or illnesses under your policy. For example, the Reliance critical illness policy has an initial 90-day waiting period, meaning you can only file claims 90 days after your policy start date.
A survival period is the time the policyholder must survive after being diagnosed with a critical illness before the insurance company pays the sum insured amount. For example, the Reliance critical illness policy has a 30-day survival period for bone marrow transplants. So, you will only receive the insurance payout after surviving 30 days from the date of diagnosis.
Which diseases fall under the 30-day and 60-day survival period categories?
List of diseases under Category 1 (30-day survival period) -
- Cancer of specified severity
- Major Organ/ Bone Marrow Transplant
- Multiple Sclerosis with Persisting Symptoms
- Third Degree Burns
- Aorta Graft Surgery
List of diseases under Category 2 (60-day survival period) -
- Open Heart Replacement or Repair of Heart Valves
- Coma of Specified Severity
- Quadriplegia (Permanent Paralysis of all four limbs)
- Total Blindness
- Kidney Failure Requiring Regular Dialysis
Is a medical test mandatory for everyone? Where can the tests be conducted?
A medical test is mandatory only for Individuals above 45 years. The medical tests will be done at a designated diagnostic centre and will be as follows:
- Complete Blood Count
- Fasting Blood Sugar
- ESR
- Serum Creatinine
- SGPT
- Urine Routine
- ECG
- Medical Examination Report with BP recordings - By a physician
Based on your medical history, you may be requested to undergo other tests. We will also reimburse 50% of the cost of these medical tests conducted at the company's designated centre.
How do I determine the amount of critical illness coverage I need?
To choose how much critical illness coverage you need, you must assess the following factors thoroughly -
- Your lifestyle habits. E.g., leading a high-stress lifestyle or excessive drinking and smoking may put you at risk of developing critical illnesses or chronic health conditions later in life.
- Understanding your income and debts, as well as your financial state, will help you choose the right sum insured for coverage.
- Your family medical history; as it increases your chances of developing certain diseases. Based on this, you may require a higher coverage requirement.
Can the nominee be changed in the mid-term of the policy?
You can change the nominee for your critical illness policy at any time during the policy term. To change the nominee, all you need to do is give the details of your changed nominee to the company. To do so, please contact
customer support.
Can the Sum Insured be changed mid-term?
No, the sum insured cannot be changed in the middle of the policy tenure.
What are the factors that can affect your premium?
Your critical illness insurance premium is calculated based on your age, medical history and sum insured amount.
There is also a direct correlation between the sum insured and premiums. Depending on the sum insured you choose, your premium can vary.
A higher sum insured leads to a higher premium, but it also means a higher payout. Hence, for more severe critical illnesses, we recommend opting for a higher SI.
What happens to the premium if no claims are made against the policy?
If you have not made any claims against your policy during the year, Reliance General Insurance offers you the following discounts:
- 5% discount for one claim-free year*
- 10% cumulative discount for every claim-free year*
- Up to 50% discount for a break-free 3-year policy term*
Note: These discounts are subject to maximum limits. Please ensure you check your
policy terms and conditions before purchase
Is there a limit on the number of claims that one can make in a policy period?
Yes, only a one-time lump sum settlement is available under this policy.
What are some reasons for claim rejections?
Some of the common reasons for claim rejections include -
- Pre-existing critical illness claim request
- Incomplete or inaccurate supporting documents for the claim
- Incorrect information on the claim form
- Limited proof of illness diagnosis, etc.
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