For assistance with claim related queries in the FLOOD affected regions of Himachal Pradesh, Punjab, Haryana or Delhi/NCR click here. To report claim for those affected by the Odisha train tragedy and Cyclone Biparjoy, contact our Nodal Officer Ms. Vasundara Devi on our dedicated helpline number: 022 4890 3012. We pray that you and your loved ones remain safe.

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Health Insurance

Name: Health Insurance
Brand: Reliance General Insurance
Rating: 4.9 (158 reviews)

The famous saying “health is wealth” is more than just a catchphrase. It is a fundamental truth. Your health is priceless - and so is the health of your family. You cannot buy it with money. That’s why you must always protect and prioritise your own and loved ones’ health. However, there are times when you simply cannot avoid certain medical emergencies.

For example, life is unpredictable and can throw unexpected events at us. Falling sick or getting injured is one of those events that can happen at any time. In such cases, access to quality healthcare becomes crucial. You might need to undergo diagnostic tests, consult a specialist, or even get admitted to a hospital for treatment. All of these medical expenses can add up quickly and affect your pocket. This is where a trusted health insurance plan comes into the picture.

A good health insurance plan offers coverage for medical expenses related to doctor fees, lab tests, medicine costs, hospitalisation bills and much more. It also helps you to save taxes* under section 80D of the Indian Income Tax Act. By investing in a great health insurance policy, you can prioritise your health, protect your wealth and enjoy peace of mind knowing that you're covered in case of unexpected medical costs.

To summarise, a top health insurance plan from a reliable provider gives you:

Assured medical protection
Tax benefits*
Enhanced financial support

While multiple insurance providers in the market claim to provide you with comprehensive insurance plans, only a few stand by their words. We, at Reliance General Insurance, have a successful track record of helping people with the best-in-class assistance, just as they want!

What is
Health Insurance and How to Select a Good Policy?

A health insurance policy is a contract between you and your insurance company. Under this contract, you pay a certain amount (premium) on a regular basis to your insurance company. In turn, the insurance company agrees to help you with the medical expenses that you may incur due to unexpected illness or injury. These expenses typically include doctor consultation fees, diagnostic tests, medicine bills, ambulance fares, hospitalisation bills and more as per your policy terms and conditions.

Imagine this scenario: You have a fever, nausea, body pain and a severe headache. You decide to visit a hospital. After undergoing some medical tests, the doctor tells you that you have severe malaria and must be hospitalised. You get intensive treatment for seven days and you finally start feeling better. It’s time to go home. But a hefty hospital bill of ₹50,000 is waiting for you. If you don’t have a health insurance plan, you will be liable to pay the entire bill out of your pocket.

You can ease this medical burden with a good health insurance policy, where your insurance company will pay for your healthcare expenses. It is important to remember that the amount of money the insurance company will pay for your medical bills depends on the terms and conditions of your health insurance plan. Some plans will require you to pay a certain amount of money out of pocket before the insurance company starts paying for your healthcare expenses.

That’s why it is vital to consider the following factors to select a good health insurance policy:

Compare Plans

You start by comparing various insurance plans. Look at what’s covered and not before you commit. Make sure to opt for a trusted insurer that has a high settlement ratio and a wide network of hospitals.

Select Premium

Depending on your medical history, age, address, pre-existing illnesses, number of members and the sum insured, your premium amount is quoted. This is finalised once you agree to the terms and conditions stated by the company.

Waiting Period

Most health insurance plans have a waiting period of a few weeks during which you cannot make any claim that don’t fall under the emergency status. It’s important to carefully review the waiting period to make an informed decision.

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

Top Six Reasons
to Buy a Health Insurance Plan Today

Staying healthy is a top priority for everyone. Yet, no matter how hard we try, illnesses and accidents can occur at any time. Let’s not forget that hospitalisation and medical expenses can be quite costly, and if you're not insured, you'll have to bear the entire cost from your savings. This is why a health insurance policy can serve as your lifesaver.

With health insurance, you can get admitted to a hospital without worrying about the medical bill as your insurance provider will cover the expenses. That’s not all. There are multiple reasons why buying health insurance is a wise decision for you and your family. Here are some key reasons why you need a health insurance plan today:

Fight Common Lifestyle Diseases

As you grow older, the likelihood of common lifestyle diseases affecting you increases. A health insurance plan helps to fight lifestyle diseases like hypertension, obesity, stroke etc. without financial stress.
Protection Against Increasing Medical Expenses

The cost for healthcare is rising. But a health insurance plan with a wide coverage can help you reduce the financial burden of treatments while protecting yourself against medical inflation.
Cashless Transactions

Insurance providers have tie ups with network hospitals so that you can avail the benefit of cashless treatments. They collaborate with each other to settle all your bills to make your life easier.
Safeguard Your Family

You can opt for a family floater plan to include your family members under one plan with a single premium amount. The younger your family the lower your health insurance premium.
Portability/Migration Benefits

If you’re unhappy with your current health insurance plan, you can easily switch to another provider or another product with the same insurance provider at the time of renewal. This is known as health insurance portability/migrations as laid down by the Insurance Regulatory and Development Authority of India (IRDAI).
Lifetime Renewability

You can avail lifetime renewability benefit that allows policyholders to easily renew their health insurance policy without getting affected by any specific restriction. This eases financial pressure during any medical emergency.

Remember, it's important to have a comprehensive health insurance plan to protect yourself and your family from the high costs of medical care. Take the time to carefully research and select a plan that provides the coverage you need to secure your future.

The State of India’s
Health Insurance Sector

The Indian health sector is rapidly growing thanks to advance medical infrastructure and investments. The insurance industry, is also riding a wave of growth and is expected to hit big numbers in the next decade¹. The COVID-19 pandemic also highlighted the importance of health insurance, leading to a surge in demand for health insurance policies.

Yet, Indians are one of the highest out-of-pocket spenders on healthcare². Instead of depending on a health insurance cover, many Indian households dig up their savings to clear hospital bills.

One of the main reasons for this is the lack of awareness about health insurance. Many people in India still do not understand the benefits of health insurance. Another reason is the fact that poorer families choose not to get treatment due to high healthcare costs, which can lead to fatal consequences.

At Reliance General Insurance, we aim to ease your burden through our exhaustive health insurance plans that cover your hospital and other medical bills. Our health insurance policies are designed to help you access quality healthcare services without worrying about the costs. You can choose to consult with the best doctors, get admitted to a preferred hospital and receive the best treatment options. With us by your side, you will never have to face a medical emergency alone.

Health Insurance and Its Role
During the COVID-19 Outbreak

The COVID-19 pandemic forced several people to change their “I don’t need a health insurance” mindset. Desperate times, limited access to healthcare and expensive treatment costs forced these people to dig into their savings, including retirement funds, to pay for the treatment of their families and loved ones. And that’s when they realised the importance of having health insurance.

In fact, health insurance has emerged as a critical tool for financial protection and access to quality healthcare services. It helped thousands of people to deal with pandemic-induced challenges, including financial strain, medical emergencies, and other related issues. The pandemic made it evident that investing in a good health insurance policy has become more important than ever to protect yourself and your loved ones.

It’s not surprising to see more and more people opting for comprehensive health insurance policies that cover pre- and post-hospitalisation costs, consultation charges, check-up fees and more.

Learn more about health insurance that covers coronavirus treatments.

Does Reliance Health Insurance
Cover COVID-19?

The COVID-19 pandemic caused widespread disruptions in India, impacting the lives and livelihoods of millions of people. As the total number of COVID-19 cases grew, the need for quality healthcare services increased and people were increasingly turning to health insurance policies for financial protection. To address this situation, the Insurance Regulatory and Development Authority of India (IRDAI) took proactive steps to ensure that health insurance policies cover COVID-19-related expenses.

The IRDAI made it mandatory for every insurance company to cover COVID-19-related expenses in their existing health policies. It has also released guidelines for COVID-19-specific health insurance policies. These guidelines require insurance companies to cover the costs of an insured person who has been hospitalised for over 24 hours after getting diagnosed with COVID-19.

In line with IRDAI’s mandates, Reliance Health Insurance also covers COVID-19-related treatments through our plans named Corona Rakshak Policy and Corona Kavach Policy. These policies are specifically built to help you deal with hospital expenses incurred for COVID-19 treatments. So, don’t worry. We have you covered!

Corona Rakshak Policy is a COVID health insurance plan that has a sum insured in the range of ₹50,000 to ₹2,50,000. You can use this policy to cover your medical expenses (up to the opted sum insured) if you are hospitalised for more than 72 hours for COVID treatment. Meanwhile, Corona Kavach Policy is a COVID health insurance plan that protects you and your family against hospitalization expenses due to COVID-19. It has a sum insured in the range of ₹50,000 to ₹5,00,000, with coverage for hospitalisation, doctor fees, ambulance charges, home care treatment and more.

Both the policies have a waiting period of 15 days after which you can submit an insurance claim.

Learn about health insurance claims for COVID-19.

Reasons to Choose
Reliance General Insurance

India is currently facing one of the highest medical inflation rates in the world³. This has made it essential for you to get a customised health insurance policy that meets your present and future needs. Why? A health insurance plan from a trusted insurance provider can simplify your life easier by making treatments affordable even with sky-rocketing healthcare expenses.

Reliance General Insurance is one of the leading name in the Indian insurance industry. We have health insurance policies offering coverage up to Rs.5 crore, more than 9,100 cashless hospitals and a 98.6%^ claim settlement ratio. Our diverse insurance portfolio range from individual health insurance plans to family floater mediclaim policies.

3 crore+ policyholders

Widely loved and trusted by our customers

Versatile portfolio

Coverage for everything that matters

Simplified journey

Easy policy buying/renewal process

Super-fast claims process

Smooth claims intimation and settlement

That’s not all. Reliance General Insurance offers world-class health insurance policies at low premiums. We also offer a wide range of discounts on our plans as per the product you choose. For example, you can avail up to 40%^## discount on our Reliance Health Gain Insurance Policy. You can also buy Reliance Health Super Top-Up Plan to take care of your surplus medical bills and enhance your overall insurance coverage.

In short, buying health insurance from us means two things: You protect your well-being and enjoy top-notch services without burning a hole in your pocket.

Learn more about the reasons to buy health insurance.

Features & Benefits Offered
by Reliance Health Insurance Policy

Key Features	Benefits
Sum Insured (in ₹)	3 Lakhs - 5 Crore
Policy Type	Individual, Family Floater
Cashless Hospitalisation	9,100+ Cashless Hospitals
Cumulative Bonus	Up to 100%
Claim Settlement Ratio	98.6%^ Claims Settled
Pre-Post Hospitalisation	Covered upto a Specified Limit
Tax Benefits	Up to ₹1 Lakh under Section 80D
Paperwork	Zero, Online Policy Purchase
Voluntary Co-Payment	Option Available
COVID-19 Cover	Available in All Health Policies
Add-Ons	Worldwide Emergency Cover, Unlimited Restore Benefit, Maternity Cover and more.

Eligibility Criteria
for Reliance Health Insurance

Details	Criteria
Age	Child: 91 days to 25 years^# Adult: 18 years to 65 years^#
Initial Waiting Period	15-30 Days
Policy Period	1 year, 2 years & 3 years

Benefits of Buying
a Health Insurance Policy

Health insurance can be beneficial for individuals of all ages and backgrounds. Whether you're young and healthy, starting a family or entering your golden years, health insurance can provide a safety net in case of any unforeseen health issues. Therefore, it's never too early or too late to invest in a good health insurance plan. Let’s look at top three benefits of buying a health insurance policy:

Mitigating Medical Inflation

Medical expenses are rising and a severe injury can easily cost you lakhs of rupees in hospital bills. A health insurance plan not only helps you to deal with the financial liability caused by a medical emergency but also ensures timely treatments.
Tax Savings*

Under Section 80D of the Income Tax Act, 1961, you can claim tax deductions of up to Rs. 1 lakh per year for your health insurance premiums. These deduction are based on your age and that of your family members.
Cashless Claims

All health insurance providers have established tie-ups with numerous network hospitals that allow you to leverage the benefit of cashless claims. This smoothens the process of getting medical assistance in case of an emergency.

Different Types of
Health Insurance Plans

Different types of health insurance plans are available in India that cater to the varying needs of individuals and groups. Therefore, it is important for you to carefully consider the coverage and benefits offered under each plan before selecting the one that best suits your needs. Health insurance can provide you with the necessary financial security during unforeseen medical emergencies, which is why it is vital to ensure that you have adequate coverage to avoid any financial strain.

Here are the different types of health insurance plans offered by Reliance General Insurance:

Individual Plans: An individual health insurance plan provides financial coverage to you for your medical expenses. The premium for such a plan is based on your age, health condition and other factors. The coverage provided under an individual health insurance plan can range from basic hospitalisation expenses to comprehensive coverage, including pre and post-hospitalisation expenses, doctor fees, ambulance charges, health check-ups and other medical costs.

Family Floater Plans: A family floater health insurance plan offers coverage to an entire family under a single policy. The coverage provided can be shared by all family members. You can also cover your extended family members, like your father-in-law and mother-in-law, under a family floater health insurance plan. It covers for hospitalisation expenses, pre and post-hospitalisation expenses and other medical expenses.

Senior Citizen Plans: A senior citizen health insurance plan provides financial coverage to individuals who are 60 years or older. The premium for such a plan is usually higher than individual health insurance plans due to the higher risk associated with older individuals. The coverage provided under a senior citizen health insurance plan can include hospitalisation bills, pre and post-hospitalisation expenses and other medical costs.

Personal Accident Insurance Plans: A personal accident insurance plan helps to deal with the financial implications of your death or disablement caused by an accident. The premium for this policy depends on your age, occupation and the coverage opted. A personal accident insurance plan covers for accidental death, permanent disability and permanent partial disability. It also pays for the education fund of two children in case of your death.

Critical Illness Insurance Plans: A critical illness health insurance plan covers for listed critical illnesses such as total blindness, heart attack and kidney failure. The coverage provided under a critical illness health insurance plan is usually in the form of a lump sum payment and can be used to cover the cost of treatment, lost income, and other expenses associated with the illness.

Learn more about the types of health insurance covers

Compare our
Health Insurance Policies

Reliance Health Infinity Insurance

A Limitless Policy With Limitless Benefits

Enhanced Sum Insured
Unlimited Restore Benefit
No Sub-Limits On Inpatient Care
Discount Up to 35%

Buy Now

Reliance Health Gain Insurance

A No-Compromise Health Policy

Double Sum Insured
No Room Rent Limit
Loyalty Cover
Discount Up to 40%

Buy Now

Reliance Super Top-up Health Insurance

A Backup For Your Medical Emergencies

Maternity Cover
Worldwide Emergency Cover
No Claim Bonus
Discount Up to 35%

Buy Now

Features to Keep in Mind Before Buying
a Health Insurance Policy

Health insurance is an essential investment that offers financial protection and access to quality healthcare services. However, with so many options available in the market, it can be challenging to choose the right health insurance policy for your needs. Keep these points in mind when comparing policies and you’ll end up with a perfect health insurance plan.

No Sub-Limits on Room Rent

Every insurance plan covers room rents charged by hospitals. However, it may not cover the entire amount. In some cases, the insurers will cover room rents that are equal to 1% of your sum insured. You have to bear the extra cost in case you select a room that exceeds that 1%. You should opt for a health insurance plan with no limit on room rent.
Shorter Waiting Time for Pre-Existing Diseases

If you suffer from some pre-existing disease (PED) like diabetes, blood pressure, etc., then the insurance provider will inform you that you need to wait for a certain period before you can raise a claim to cover the PED. While this is common with many insurance plans, there are some plans with shorter waiting periods. Look for plans to make your financial life a little easier.
No Co-Payment

The last thing you want in the event of a hospitalisation is using your savings to pay medical bills even after having health insurance. But there are some insurance plans that expect you to pay a certain percentage of the claim amount out of your pocket. This is known as co-payment. It’s the sharing of the costs between you and the insurance firm.
More Network Hospitals

When an insurance company says that they have so and so number of network hospitals, they’re referring to hospitals where they have tie-ups. You get the benefit of availing cashless transactions if you get treated at a network hospital. In simple terms, you don’t have to make any upfront payments as the insurer directly settles all your medical bills with the network hospital.

Tips to Select
an Ideal Health Insurance Plan

With the rising healthcare costs, many people compromise on the quality of healthcare services they receive due to financial constraints. However, health insurance enables you to access quality healthcare services without hurting your bank balance. It offers a wide range of benefits that can help protect your health and finances.

Here are some important factors that you need to consider when choosing a health insurance plan:

Adequate Coverage: Ensure your health insurance policy covers all of your and/or your family's healthcare needs sufficiently.
Fits In Your Budget: Choose a health insurance plan that matches your and your family's medical needs without exceeding your budget.
Individual or Family Plans: Opt for a health insurance plan that offers maximum benefits as per your marital status.
Lifetime Renewability: Get an insurance plan that comes with lifetime renewability to remain affected by any specific restriction.
Higher Claim Settlement Ratio: Look for insurers with high claim settlement ratios as they are most likely to provide great services.

How to Select
a Health Insurance Plan?

Health insurance is essential for everyone, as it protects individuals and their families from the financial burden of sudden medical expenses. However, many people find it difficult to find the perfect health insurance plan that offers the best coverage in the market. The process involves a thorough research, detailed analysis and a deep understanding of your needs. Here are the key steps that you must remember before selecting a health insurance policy that fits you the best!

Know Your Insurance Needs

Identifying your coverage requirements and defining the sum insured is the first step of buying a health insurance plan. This includes deciding to get insurance only for yourself or also your family members.
Select Your Insurance Provider

Research is an essential aspect of all your life’s decisions, so why leave insurance behind? It is extremely vital to deeply analyse the offerings of your insurer. Also, check their previous track record.
Compare Insurance Plans

Always compare the most trusted insurance providers in the industry based on their health insurance plans and customer reviews. This empowers you to choose the best plan based on your requirements.
Select a Plan & Pick Add-Ons

Select the health insurance policy that offers the best coverage and additional benefits like modern treatment or Ayurvedic treatment cover. You can also opt for add-ons to further enhance your coverage.

Buying a good health insurance plan can be a critical decision to protect yourself and your family from unexpected medical expenses. Remember to always compare plans from different insurance companies, understand the terms and conditions of the policy, and choose a plan that meets your healthcare needs and budget.

Documents Required
to Buy Health Insurance

You need to provide certain documents to your insurance company whenever you buy a health insurance and you need to mandatorily undergo the CKYC process as per the AML Guidelines of issued by IRDAI. Incorrect information or missing documents or non-completion of KYC process as mentioned can possibly prevent you from availing the Health insurance policy and its benefits. Here’s a list of documents you need at the time of buying e an health insurance:

Identity Proof: Your proof of identity helps in getting the required coverage under your policy after successful verification. The insurance company refers to your identity proof for maintaining the records. The identity proof documents accepted by companies include:
- a. Pan Card/Form 60 (Mandatory Document)
- b. Passport
- c. Driving License
- d. Aadhaar Card
- e. Voter ID Card
Age Proof: Most health insurance companies seek valid proof of age to verify how old you are. Here are the documents you can submit to establish your age (your ID proof will also serve as your age proof)
- a. Birth Certificate
- b. Passport
- c. Aadhaar Card
- d. Driving License
- e. Voter ID Card
Medical Reports (if needed)

How to Initiate Insurance
Claim Process

Merely purchasing a health insurance policy is not enough in today’s world where medical expenses are skyrocketing; you also need to understand the claim process to avail of the benefits of the policy. The two most common claim processes in health insurance are cashless and reimbursement. Depending on your convenience and preference, you can select the appropriate option that suits you best.

The cashless claim process is a hassle-free way of availing medical treatment. Under this process, you must get treated at a network hospital where the insurer will settle the bills directly with the hospital authorities. You do not need to pay any amount out of your pocket.

With the reimbursement claim process, you need to pay all your medical bills upfront and retain the original bills and receipts. Your insurance company will reimburse the amount after you raise the claim and submit the original bills.

Register Claim

Inform the claims team regarding your hospitalisation. You can register a claim by writing to us, logging on to the Self-i App, or calling us on (022) 4890 3009 (Paid number)
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.
Claim Approval

Get cashless treatment at a our network hospitals. The claims team and hospital will settle all your bills.
Register Claim

Inform the claims team regarding your hospitalisation. You can register a claim by writing to us, logging on to the Self-i App, or calling us on (022) 4890 3009 (Paid number)
Claim process & payment

Submit details regarding the type of treatment planned, start the treatment and make the payment
Reimbursement process

Submit your original scan documents within 7 days from hospital discharge to initiate the reimbursement

How to Choose
Between Regular Health Insurance Plan and Group Health Insurance Plan?

Choosing the right insurance plan is not as easy as it may seem. After considering all the important factors, you must assess if the plan meets your needs without stretching your budget. You also need to decide whether to opt for either individual health insurance or group health insurance.

A regular or an individual health insurance plan can be purchased by a person for covering expenses incurred due to medical emergencies. Health insurance plans are available for individuals, their spouses and children and even elderly parents. The premium rate is determined by the policyholder's gender, age and medical history, among other factors.

On the other hand, a group insurance policy can be purchased for insuring a group of people under the same policy. A company can buy a group policy for employees or a joint family can purchase one covering all family members. Even a sports team can buy a policy for its players. As far as a group insurance policy is concerned, the premium is calculated based on the group size, ages of people in the group, nature of the company, and demographics, among other considerations.

Key Differences Between
Individual and Group Health Insurance

Plans	Group Health Insurance	Individual Health Insurance
Coverage	Group coverage provides exclusive benefits to every group member of the policy.	Individual health insurance plans are flexible. They can be customised to meet a person's specific medical needs.
Premiums	The employer is held responsible for paying the premium.	Premiums are dependent on the coverage it offers and is paid by the individual.
Sum Insured	When it comes to the concerned group insurance, the sum insured stays pre-set.	An individual policyholder can easily decide the insured sum while purchasing a medical insurance plan.
Pre-Existing Diseases	Members are expected to get coverage from the first day.	Under individual plans, policyholders are expected to wait till the end of the waiting period to have the coverage.
Extras and Discounts	Do not offer any discounts or add-on benefits.	Can easily avail various discounts and add-ons.

Difference Between
Mediclaim and Health Insurance

When it comes to purchasing insurance, some people often get confused between health insurance and mediclaim. They even use these terms interchangeably. However, the reality is quite different - there are some significant differences between the two. Let’s see what makes mediclaim and health insurance different from each other.

Mediclaim does not provide any add-on covers.	Health insurance offers multiple add-on covers, including maternity benefits, infertility cover and much more.
Mediclaim is not at all flexible and stays rigid in its offerings.	Health insurance is completely flexible and can be easily customised.
Mediclaim only provides coverage against hospitalisation expenses.	Health insurance provides coverage against more than just hospitalisation expenses.

Why You Need a Separate
Health Insurance Plan for Your Parents

As we grow older, our immunity levels start dwindling, metabolism becomes sluggish and we become prone to a host of illnesses. But what about our parents and grandparents? They already have a fragile state of health and multiple pre-existing medical conditions. Also, let’s not forget that the healthcare costs are mounting.

In such a scenario, purchasing a family floater plan for your family, which includes your ageing parents, may not be a good idea. That's because only a small insured sum will be left for your ageing parents, which may not suffice to pay for their medical bills.

You should consider taking individual plans for your elderly parents because these plans can be tailored to meet their specific healthcare needs. Note that you must opt for such plans for your parents as early as possible as health insurance premiums rise sharply as age progresses.

Guide to Help You
Choose the Perfect Health Insurance Plan

Health insurance is an essential tool to protect yourself and your families from unexpected medical expenses. It offers a multitude of benefits, including access to quality healthcare, tax savings and financial protection, that can make a significant difference in your life. But choosing the perfect health insurance plan can be a daunting task, especially with the wide variety of options available in the market.

At Reliance General Insurance, we offer a plethora of plans that cover a variety of medical scenarios. Check out the below three scenarios to understand your health insurance needs:

First Scenario: For those who want to insure themselves and their family including spouse, children and parents

If you’re looking to insure yourself along with your family members under a single plan, then opt for family health insurance. The benefits of family health insurance plans include cashless hospitalisation, base sum insured, cover for hospital fees and much more.

Second Scenario: For those who travel a lot and want financial protection during their trips abroad

If you’re a globetrotter, you might want to consider purchasing the Reliance Health Infinity insurance policy. This plan helps you to manage your finances and receive medical treatment on your trips even out of India.

Third Scenario: For those who require coverage for specific health issues

The critical illness insurance plan covers a host of critical illnesses. Among these are multiple sclerosis, burns and cancers. You get a pre-decided lump sum amount upon making a claim under this plan.

Why Buy Health Insurance
While Young?

Health insurance can serve as your lifeline in times of need, offering a safety net for unexpected medical emergencies. It provides you with access to quality medical care and treatments without causing a financial strain. By investing in health insurance early on, you can protect your health and your finances and set yourself up for a healthier future.

Lower Premiums: Insurance companies view young people as lower-risk since they generally have fewer health issues than older individuals. As a result, you can get a health insurance policy with lower monthly premiums than you would if you waited until you're older.
Tax Benefits: You can reduce your tax liability as per the provisions of Section 80D of the Income Tax Act, 1961. Depending on your income and the type of health insurance policy you purchase, you may be able to deduct your health insurance premiums from your taxes.
Cover for Future Medical Conditions: You can lock in coverage for potential medical conditions and avoid the risk of being denied coverage or facing higher premiums due to pre-existing conditions. This can provide you with peace of mind and financial security as you age.
Financial Security: You can better manage your finances and investments after knowing that your medical expenses are adequately covered.

Why Buy
Health Insurance Online?

Buying health insurance online has become an increasingly popular option in today’s fast-paced world. You can access a wide range of policies, compare prices, and purchase coverage that meets your needs with just a few clicks. Here are the top three reasons why you should consider purchasing health insurance online:

Convenience

You can easily compare and buy a health insurance using your mobile devices at any time and from any location.
Protected Payments

You can choose from a variety of online and digital payment modes to purchase and renew your insurance policies.
Quick Access

You can easily customise your health insurance plans, calculate the premium, add/remove members and check coverage online.

Benefits of Buying
Health Insurance Online

There are multiple ways to purchase health insurance, including through insurance agents and brokers. However, buying health insurance online has become increasingly popular in recent years. This is because buying health insurance online offers a wide range of benefits. Some of the key benefits are listed below:

Compare Plans Easily

You can compare the health insurance plans offered by different insurance companies and choose the one that suits you the best.
Enjoy Convenience

You can avoid visiting an insurance company office/negotiating with insurance agents by purchasing a policy online.
Avail Online Discounts

You can enjoy a wide range of discounts on premiums when you purchase policies online.
Pay Low Premiums

You can get the benefits of lower premiums when you buy health insurance plans online as insurers save on operational costs.
Less Paperwork

You can reduce your paperwork by buying medical insurance policies online.

How to Save Tax
with a Health Insurance Policy?

Health insurance is more than a tool to protect you from unexpected medical expenses; it is a smart investment that can help you to avail multiple tax benefits*. You can claim tax deductions for the premiums paid towards health insurance policies. The Income Tax Act of India allows you to claim health insurance tax benefits under Section 80D.

The amount of tax deduction depends on the age of the insured and the premium paid towards the health insurance policy. The deductions offered are as follows:

Particulars	Deduction for self, spouse and dependent children	Deduction for parents (whether dependent or independent)	Maximum deduction
Case I – Self Below 60 Years & Parents Below 60 Years	₹25,000	₹25,000	₹50,000
Case II – Self Below 60 Years & Parents Above 60 Years	₹25,000	₹50,000	₹75,000
Case III – Self Above 60 Years & Parents Above 60 Years	₹50,000	₹50,000	₹100,000

Deduction for self, spouse and dependent children	Deduction for parents (whether dependent or independent)	Maximum deduction

Case I – Self Below 60 Years & Parents Below 60 Years

₹25,000

₹50,000

Case II – Self Below 60 Years & Parents Above 60 Years

₹25,000

₹50,000

₹75,000

Case III – Self Above 60 Years & Parents Above 60 Years

₹50,000

₹1,00,000

If the tenure of policy is more than one year then deduction can be claimed on “appropriate fraction” i.e., over the tenure of the policy
A deduction under Section 80D cannot be claimed:
a. If payment for health insurance premium is done by cash.
b. If the payer has opted for tax regime as per section 115BAC of the Act

You can avail health insurance tax benefits of up to ₹1,00,000 under Section 80D of the Income Tax Act, 1961. So, opt for a comprehensive health insurance policy today and save yourself from missing out on these helpful tax benefits*!

Optional Add-ons
in Health Insurance

An insurance add-on is an additional benefit that you purchase over and above the basic premium. Your insurance policy does not cover this benefit by default.

Health insurance add-ons usually go a long way in boosting your all-round health insurance coverage. This is mainly done by including extra protection as an essential part of your plan. By paying a little more, you can get these add-ons for that extra layer of protection.

Check out the following Health Insurance Add-Ons that strengthens your policy:

Maternity Add-on Cover: It provides financial support to cover for your pregnancy and childbirth-related medical expenses. It generally includes expenses such as pre and post-natal care, delivery expenses and newborn baby cover.
Hospital Daily Expenses Add-on: It offers a fixed amount of daily cash during your hospitalisation. This amount can be used to cover additional expenses such as food, transportation and accommodation during the hospital stay.
Emergency Ambulance Services: It covers the cost of availing ambulance services during medical emergencies. You can use this add-on to pay for the cost of transportation from the place of emergency to the nearest hospital or medical facility.
Out-Patient Department (OPD) Add-on: It offers financial support for medical expenses such as doctor consultation fees, diagnostic tests and medicines. You can opt for this add-on if you visit the doctor frequently for minor illnesses.
Global Emergency Hospitalisation Add-on: It provides coverage for medical expenses incurred during emergency hospitalisation while travelling abroad. It may also cover the cost of emergency medical evacuation.
Critical Illness Add-on: It offers a lump-sum amount if you get diagnosed with critical illnesses such as heart attack, kidney failure and total blindness. It provides coverage for medical expenses or loss of income.
Additional Coverage Over Your Original Sum Insured: You can opt for a top-up health insurance policy to increase the coverage amount beyond your original sum insured. This helps to get additional financial protection in case of medical emergencies.

How to Calculate
Health Insurance Premiums?

Now that you have understood the dire need for health insurance, it is important to know how your premium amount is calculated. The premium amount is calculated based on factors such as your age, medical history, family history, lifestyle habits, type of policy, sum insured and add-ons chosen. It is important to note that premiums may increase with age and pre-existing medical conditions may also affect the premium amount.

Know Who All Are Covered in the Policy

Your premium is based on the type of policy are planning to buy and the people you want to cover in the policy. There are different types of health insurance policies such as individual, family floater, senior citizen, and critical illness insurance policies. The type of policy you choose will also affect your premium.
Submit Your Information

Provide the insurer with all the necessary documents along with your basic information like name, age, address and phone number. You need to submit documents such as passport, driving licence, Aadhaar card, voter ID card and PAN card. You also need to inform the insurance company about your age, medical history, family history and lifestyle habits.
Pick Your Health Insurance Plan

Your premium is directly influenced by the tenure of your health insurance plan, the sum insured and the add-ons you opt for. Note that the higher the sum insured, the higher the premium. Add-on covers such as maternity benefits, ambulance cover, and critical illness cover can also increase the premium amount.

What are the Factors That Affect
Health Insurance Premiums?

Your health insurance premium is often influenced by a variety of factors. These can either bring down your overall payable amount or increase it in the longer run. Let’s dive into the most critical factors that tend to impact your insurance premiums:

Pre-Existing Health Conditions

Your current health conditions and ailments, if any, will require more coverage than the standard one. This is likely to make your premiums cost more and is exclusive to your insurance plan.
Medical History

If you have a family history of health problems like blood pressure or asthma, you might want to get a more comprehensive insurance plan with greater coverage to mitigate the risk of future liabilities.
Age

Young people often require lesser medical assistance than older ones with critical health issues. The younger you are the lesser rates of premiums you have to pay and vice versa.
Body Mass Index (BMI)

Having a higher BMI puts you at a greater risk of severe heart diseases. Individuals with higher BMI are likely to pay higher premium amounts as they require enhanced insurance coverage.

Common Health Insurance Terms
Simplified for You

To get a complete hold of your insurance policy and know exactly what each section means, refer to the following health insurance terms:

Premium

The amount you pay to the health insurance company for availing their insurance plan is called a premium. You can opt for different paying models as per your needs; monthly, quarterly or yearly.

Deductible

Deductible is an agreed amount that you pay toward your medical bill before the insurance company steps in. You can make a claim after clearing the deductible and then the insurer will do their part.

Co-payment

Co-payment, also known as co-pay, is the cost you bear every time you opt for medical treatment. It is a specified percentage of the admissible claims amount, which varies based on your insurance policy.

Grace Period

It refers to the period of time immediately following the premium due date. During the grace period, you can make payments to renew or continue an ongoing policy without loss of continuity benefits.

Sum Insured

The sum insured is the maximum amount payable by insurer to the policyholder in case of an emergency. This can be claimed with the required documents, helping you deal with your financial liabilities.

Pre-Existing Disease

If there was any condition, injury, ailment or disease that was diagnosed within 48 months prior to the first policy availed by the insurer, it is often called a pre-existing disease.

These are some of the most common health insurance terms that you should know before making the best decision for your health security. Our experts at Reliance General Insurance help you at each step of your insurance process and guide you in the right direction. Talk to us and know more now!

Frequently Asked Questions
on Health Insurance

Can a person have more than one health insurance policy?

Yes, you can have more than one health insurance policy. However, you cannot claim similar expenses from them. Through this, the policyholders get the benefit of enjoying two plans that’ll be useful in a wide variety of circumstances.
My employer provides me with health insurance. Do I still need one?

In today’s time, most employers provide their teams with health insurance. While they offer some level of financial coverage, these plans are often not enough for your complete security. You may opt for an additional cover to get more benefits, including room-renting and co-pay.
What do you mean by the waiting period?

The waiting period refers to a specific amount of time that the insured must wait before their entire coverage slides into effect. For all the claims filed during the waiting period, the insured will not receive any benefits for the same.
What do you mean by a pre-existing disease?

If there was any condition, injury, ailment or disease that was diagnosed within 48 months prior to the first policy availed by the insurer, it is often called a pre-existing disease. Some of the most common pre-existing diseases include diabetes, sleep apnea, and various other chronic diseases.
Is my health insurance policy valid across the world?

No, not all. Most insurance providers have restrictions on certain geographical boundaries. So, if you plan to travel abroad, you have to purchase separate health insurance in your destination country.
What are the modes available for the payment of premiums?

Various insurance companies provide multiple payment modes for purchasing premiums. The most common one includes annually, quarterly, and monthly, and in some cases, insurance providers also give an option semi-annually.
What is cashless mediclaim?

Cashless Mediclaim refers to an unique policy wherein the medical expenses along with the hospitalisation charges are cleared between the insurance company and the hospital. This allows a policyholder to focus on treatment and recovery and not on hospital bills. With this benefit, you can easily bypass the reimbursement formalities hassle-free.
Why do you need health insurance?

Health insurance is extremely beneficial since it provides you with coverage against medical expenses and eases your financial burden during treatments. With a health insurance plan, you also get free preventive care, regular check-ups, etc.
Do health insurance plans cover Ayurveda and other alternative treatments?

With the current advancements, Ayurveda treatments are now covered by most health insurance plans. However, other traditional medications like naturopathy are not a part of most mediclaim policies.

How much should I pay for health insurance?

The premium amount that you should pay depends on your sum insured add-ons, your age, any pre-existing diseases, etc. Make sure that you opt for a plan that covers at least half of your annual income. As an indicative reference provided by experts, you should go for a cover of over ₹5 lakhs.
What is the waiting period for health insurance?

The waiting period for your health insurance is typically the time span where you cannot make claims under your plan. There is a wait for you to get all the covers as per the policy. The time period often depends on your health condition and mediclaim insurance.
Which diseases are covered under health insurance?

To offer complete protection against financial liabilities arising from medical treatments, mediclaim health insurance provides extensive coverage. The various diseases that are covered under the mediclaim policy include cataracts, heart diseases and diabetes (excluding diseases as per permanent exclusion list which are pre-existing at the time of first proposal of the policy with the insurer).
What factors determine my health insurance premium amount?

There are five factors that can make an impact on a health insurance premium purchase amount. These include location, plan category, age, number of members covered and medical condition, if any.
What if I forgot to pay my health insurance premiums?

If you, by any chance, have failed to pay the policy renewal premium, you become uninsured again. This indicates that the coverage served to you by your health insurance plan has been taken back. To avoid this, it’s essential you pay the renewal premium before the due date.
How to check the status of my health insurance claim?

This is quite a simple process. Go to the official website of your insurance company and click on the ‘Lodge a Claim’ icon on their homepage. Then hop on to the option of ‘Track Claim Status’. Once this is done, then put in the required details, including customer ID, policy number, name, etc., and then click on ‘Submit.’ Through this, the status of your claim settlement request will be clearly shown on the web.
Do I need to do a medical test before I buy health insurance?

You don’t need to do a medical test before buying health insurance, unless you’re above the age of 45. For those above the age of 45, certain medical tests are conducted before a policy is issued.

When can I have my children under my health insurance plan?

You can include your children under a family insurance policy from the time they’re three months old. You can keep them in the same health insurance plan till they turn 25 years.
What is the ideal coverage amount I should include in my health insurance plan?

It’s recommended that you have a sum insured that is at least double of your annual income. However, each person has their own needs that means you may need a higher coverage amount.

How do I increase my sum insured over my existing health insurance plan?

You can increase your sum insured either by buying an additional health insurance policy or by getting a top-up plan. Either way, you can increase your base coverage.

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Review and Ratings

4.2 Stars

A decent policy by Reliance which covers hopitalization and helped me recover expenses.

Mohan A

Good health insurance policy

12 December 2019, Kerala

It is a good health insurance policy which cover hospitalization and helped me avail cashless hospitalization

Dino S

Health insurance with cashless benefit

13 February 2020, Hyderabad

I could select and customize the health insurance plan as per my needs. It was good to purchase the health insurance plan as needed.

Chetan O

Customizable health insurance policy

5 February 2020, Vijayawada

I paid my own bills last year when I was admitted to the hospital and it was painful as I didn't had a health insurance policy

Himani S

Don't miss health insurance

14 January 2019, Bengaluru

I contacted your contact center for my Health policy information. The advisor was knowledgeable and was very helpful. He provided the required information of my policy. I am very Happy with Reliance General Insurance.

Chirag

Product Information

08 June 2022, Haryana

My experience with Reliance General Insurance is excellent. I always use self-i application because all the options are available under one roof. Self-I is so userful that there is no need to call on contact center or take services from any other platform.

Jayaprakash D. V

HealthClaim Intimation

29 March 2022, Karnataka

My experience with Reliance General Insurance contact center was amazing. I had requested for name change in my policy and the same was completed within promised time. Advisor was knowledgeable and explained complete process to me. I am very much satisfied with the services of your company.

Sunil Kumar Saroj

HealthClaim Intimation

14 April 2022, Delhi

Health Insurance
Articles

What Does Family Floater Health Insurance Not Cover?

Factors to Consider Before Buying Critical Illness Insurance

How to Make Maximum Tax Benefits from Health Insurance Plans

What are the Benefits of Cashless Health Insurance Plan?

Why Should You Renew Your Health Insurance Online

Latest News on
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*Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
**The premium mentioned is excluding taxes for single person ageing between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
^This is the overall claim settlement ratio for FY 21-22 as per public disclosure of Reliance General Insurance
#For Health Gain & Health Infinity Insurance
##Maximum discount applicable for Health Gain excluding long term healthy discount (aggregate)
Information sources:
1. https://www.hindustantimes.com/business/india-to-become-6th-largest-insurance-market-in-the-next-ten-years-report-101662033925045.html
2. https://www.thehindu.com/sci-tech/health/economic-survey-2022-23-out-of-pocket-health-spending-still-high-despite-hike-in-government-expenditure/article66454817.ece
3. https://www.outlookindia.com/business/india-s-poor-forced-to-swallow-the-bitter-pill-as-medical-inflation-nibbles-at-their-life-savings--news-199526
*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 multiple products such as Health Gain Health Insurance Policy UIN -RELHLIP21514V022021, Health Infinity Insurance UIN -RELHLIP21521V032021, Reliance Health Super Top Up UIN- RELHLIP21617V012021, Corona Rakshak Policy, Reliance General Product UIN - RELHLIP21093V012021 and Corona Kavach Policy, Reliance General Product UIN -RELHLIP21092V012021.

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First Scenario: For those who want to insure themselves and their family including spouse, children and parents

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Third Scenario: For those who require coverage for specific health issues

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How to Save Tax with a Health Insurance Policy?

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What is
Health Insurance and How to Select a Good Policy?

Top Six Reasons
to Buy a Health Insurance Plan Today

The State of India’s
Health Insurance Sector

Health Insurance and Its Role
During the COVID-19 Outbreak

Does Reliance Health Insurance
Cover COVID-19?

Reasons to Choose
Reliance General Insurance

Features & Benefits Offered
by Reliance Health Insurance Policy

Eligibility Criteria
for Reliance Health Insurance

Benefits of Buying
a Health Insurance Policy

Different Types of
Health Insurance Plans

Compare our
Health Insurance Policies

Features to Keep in Mind Before Buying
a Health Insurance Policy

Tips to Select
an Ideal Health Insurance Plan

How to Select
a Health Insurance Plan?

Documents Required
to Buy Health Insurance

How to Initiate Insurance
Claim Process

How to Choose
Between Regular Health Insurance Plan and Group Health Insurance Plan?

Key Differences Between
Individual and Group Health Insurance

Difference Between
Mediclaim and Health Insurance

Why You Need a Separate
Health Insurance Plan for Your Parents

Guide to Help You
Choose the Perfect Health Insurance Plan

Why Buy Health Insurance
While Young?

Why Buy
Health Insurance Online?

Benefits of Buying
Health Insurance Online

How to Save Tax
with a Health Insurance Policy?

Optional Add-ons
in Health Insurance

How to Calculate
Health Insurance Premiums?

What are the Factors That Affect
Health Insurance Premiums?

Common Health Insurance Terms
Simplified for You

Frequently Asked Questions
on Health Insurance

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