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Reliance Health Insurance

​​​​​​​​​​​​​​​​​​​​​​Mahatma Gandhi once said, “It is health that is real wealth and not pieces of gold and silver.” We, at Reliance General Insurance, take these words quite seriously and believe that everyone should have a health insurance policy! 

Take care of yourself and be prepared for any emergencies - Get yourself and your family insured with Reliance HealthGain!



This policy is a perfect foil for any unseen problems you might face during your treatment. Here's a quick look at what your policy covers.

Hospitalisation expenses in case of:

  • In-patient treatment for covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours.
  • Day-care treatment for surgeries /procedures, where the insured person requires less than 24 hours of hospitalisation due to advanced technology. For the list of Day care treatment. (Please refer to Annexure -I of the policy wordings)

 Pre-hospitalisation coverage for:

Medical expenses incurred before hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Post-hospitalisation coverage for:

Medical expenses incurred after hospitalisation. Under the HealthGain policy, you will get coverage for 60 days.

Domestic Road Ambulance:

Expenses for domestic-road ambulance services to the nearest hospital in case of life threatening emergencies. Under Plan A, your policy would pay upto Rs 1,500 and upto Rs 3,000 under Plan B.

    • For more details, please refer to the policy wordings


Donor expenses:

These are expenses incurred by the organ donor. We will cover up to 50% of the base sum insured, subject to a maximum of Rs. 5 lakh/-

    • For more details, please refer to the policy wordings


Domiciliary hospitalisation:

  • ​Sometimes it is not possible to move the patient to a hospital because of their condition or lack of accomodation at the hospital. In such cases, the patient can be treated at home. This is called ‘domiciliary hospitalisation’.

  • Medical expenses for such cases will be covered if the treatment continues for a minimum of three days.

For more details, please refer to the policy wordings

Re-instatement of base sum insured:

  • If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, we will refill the full Sum Insured at no extra cost.
    • Please refer to Annexure -II of the policy wordings


Cumulative bonus:

  • This is a bonus awarded at the end of each claim free policy period. When you do make a claim in any given policy period.
  • If you don’t make any claims on your policy for a year, you earn a cumulative bonus of 33.33% on your base sum insured, at no extra cost. However, the cumulative bonus can be accumulated equal to the amount of base sum insured.
  • When you do make a claim in any given policy period, the bonus earned shall be decreased by 33.33% of the base sum insured, in the subsequent year. However, this will not reduce the initial base sum insured & your maximum reduction of cumulative bonus would be zero.

Call Option:

  • If you do not make any claim on your policy for 4 consecutive years, then by end of the 4th year your cumulative bonus will be equal to your base sum insured. In the 5th year, you can choose the “Call Option” to double your sum insured by adding this earned cumulative bonus.
  • Thereafter, you can accumulate the cumulative bonus again.

Please note that you can choose the Call Option only twice in your lifetime

For more details, please refer to the policy wordings.

Claim service guarantee:

  • Cashless claims: If we’re unable to respond within 6 business hours, even after you have completed claim request with correct documentation and information, we will be liable to pay 1% of the claim amount to you, subject to a maximum liability of 6%.
  • Reimbursement of Claims: Similarly, if we’re unable to respond within 21 days, even after you have completed your claim request with correct documentation and information, we will be liable to pay 1% of the claim amount to you, subject to a maximum liability of 6%.

For more details, please refer to the policy wordings

Policy service guarantee:

  • If, even after receiving all completed documents (including Medical reports, as applicable and premium), there is a delay of more than 10 working days from us in issuing your policy issuance, we will pay you onetime additional sum insured of Rs 10,000/- under Plan A and Rs 20,000/- under Plan B.
  • This will be applicable only for 1 year Policy Period and not for renewals/ auto-renewals.

Accidental death cover for no claim renewal:

  • Under Plan B, we will provide you an accidental death cover of Rs. 1 Lakh/- at the end of every claim-free policy year with our Company.   
  • This cover will be valid for only one year.
  • This is applicable only if the policy holder is also the insured person in the policy.

Health Insurance Renewal:

  • You can renew your medical insurance policy for free, under Plan B, if the person insured in the policy is diagnosed with a 'named critical illness'.
  • This benefit is provided once in the lifetime .
  • This is applicable only if the policy holder is also the insured person in the policy.

Named critical illness can  be referred in the policy wordings.

Wellness Solutions:

  • Awesome discounts on various, value-added wellness services and choice of various online solutions through our wellness program.

As much as we’d like for your policy to cover any and all types of situations, it isn’t possible.
Here are some of the exclusions in the HealthGain Policy.

  • Claims for any medical expenses that occur within 30 days of the policy start day will not be covered, unless they occur due to an injury.
  • The following illnesses or surgeries will not be covered for the first two consecutive years from the policy start date:
    • Arthritis (non-infective)
    • Osteoarthritis and Osteoporosis
    • Gout
    • Rheumatism
    • All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
    • Joint Replacement Surgery
    • Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
    • Nasal Septum Deviation, Sinusitis (and related disorders)
    • Benign Prostatic Hypertrophy
    • Cataract
    • Surgery of Genito-Urinary System (unless necessitated by malignancy)
    • Hernia, Hydrocele (all types)
    • Internal Tumours, Skin Tumours, Cysts, Nodules, Polyps, Breast lumps (each of any kind), unless malignant
    • Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
  • Any conditions, ailments, injuries or related conditions, which you, the insured person, didn’t show any signs of, and /or which were diagnosed, and / or for which you received medical advice / treatment within 36 months, prior to the policy start date.
  • As per this policy a single room is defined as a room, where a single patient is accommodated and which has an attached toilet (lavatory and bath). The room may also provide provision for accommodating an attendant. Essentially, this type of room is the most basic and the most economical of all accommodations, available as a single room, in that hospital. Any room, beyond this description, is excluded from the health insurance policy coverage.
  • The following diseases or conditions are not covered in this plan, under permanent exclusions:
    • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
    • Outside India or Robotic or Stem Cells
    • War / nuclear / chemical / biological injuries
    • Diseases such as HIV / AIDS or STDs
    • Congenital diseases (diseases present from birth)
    • Maternity- or Fertility-related conditions
    • Cost of spectacles, contact lenses and hearing aids
    • Dental treatment or surgery
    • Treatment of mental illness
    • Cosmetic, aesthetic treatment
    • Non-allopathic, diagnostics , self-medication, unproven treatments

Health Gain Insurance FAQ

Benefits

Health Gain Insurance Reviews and Ratings

Average Rating:

4.9(Based on 158 ratings)

Showing 10 reviews

  • “Digital platform is the Best”

    Self I application is easy to used for all the customer. We can take most of the services through one single app. This digital platform is the Best. I am always satisfied when I use Self-I app.

    PANDURANG SAWANT7 July 2022, Maharashtra
  • “Overall Happy with services of Reliance General Insurance”

    I use Reliance Self-I application. Self-i is easy to use and comfortable for me to take the policy related services, hassle free. I am overall Happy with services of Reliance General Insurance.

    MITULKUMAR PRAJAPATI2 July 2022, Gujarat
  • “80D”

    Self I application is easy to use. We can take all the services through one application for e.g , Claim Intimation, Claim Status, Policy Soft Copy etc. It's really simple and user friendly app.

    G CHANDRASEKHAR20 April 2022, ODISHA
  • “80D”

    I have a Health policy with Reliance General Insurance. I called your contact center related to my queries. The advisor was very helpfull and helped me to resolved all my issues on a single call related to claim information as well as policy hard copy. It was a very good experience for me with the services given.

    MANISHNASKAR19 April 2022, WEST BENGAL
  • “80D”

    I am very happy with your services. I had requested for correction in my policy for the email id and the same has been completed within time. The advisor was very supportive and took a request for my correction immediately. The service which I received from contact center is simply excellent.

    ROHIT PARMAR Rohit Parmar19 April 2022, Rajasthan
  • “80DCard”

    I had done the endorsement in my policy via contact center. Advisor was very helpful and understood my problem. They did the endorsement within time. Overall interaction was amazing. I am really happy with the way advisor helped me.

    Arunsingh19 March 2022, Haryana
  • “HealthClaim Intimation”

    Self-i application of Reliance General Insurance is very easy to access. I had intimated my health claim from the app. I shared all my documents via e-mail and received response within 24 hours for the same. Reliance always provided me best services.

    Himalaya tiwari18 March 2022, Uttar Pradesh
  • “HealthClaim Intimation”

    I am an employee of RELIANCE NIPPON LIFE INSURANCE CO LTD. I used self-i application for claim intimation because it's very easy to use. Also, uploaded all the documents in one go. I am really satisfied with Self-i's quick services.

    Avinash kumar17 March 2022, Bihar
  • “HealthClaim Intimation”

    I used self I application for claim intimation. It is very easy to use and friendly. I intimated my claim over the app and I also uploaded all the documents in one go. I haven't faced any problem, application was easy to use.

    Roopraj13 March 2022, Maharashtra
  • “80DCard”

    Reliance general insurance website is very easy to access. It was easy to intimate my Health claim over the website. Reliance general insurance has approved my claim and I am very happy for their helpful services. Also, I bought another policy for one of my family member. The services are excellent.

    Rakesh12 March 2022, Haryana
  • See all reviews

On purchase of the HealthGain 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! 

Online Wellness Solution

With your HealthGain Policy, we offer you various online services that give you access to health experts 24/7 as mentioned below. Click here to avail these services

  • Ask a Doctor: Consult a panel of physicians online to discuss any health queries and you will receive an answer in a couple of hours. You can also participate in Live Chats with our physicians during the day.
  • Ask a Specialist: For queries that require specialist's inputs, you can even consult with specialists in the area of gynaecology, paediatrics, oncology, cardiology and many more.
  • Health Risk Assessment: An automated health-service toll that helps you to assess your own health.
  • Get a Call from the Doctor: Request a telephone call from a general physician or a specialist to discuss any health issues on your phone.
  • Get a Call from a Counsellor: Request a call from a counsellor to discuss any personal issues with work, family or any other inter-personal issues.
  • Get a Personalised Diet Plan: Get easy access to a nutritionist in the Healthcare Magic panel to get a personalised diet plan via phone or email.
  • Fix an Appointment: Fix appointments with doctors across India with our Healthcare Magic concierge service.