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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.

Existing policy with Reliance?



Reliance HealthWise Policy - Health Insurance 
​7% Discount
for girl child​​
Also covers
Critical Illness
No sub-limit
on room rent


​We know that you have heard enough about health insurance policies. Promise we won't preach! Presenting Reliance HealthWise Policy - an affordable and comprehensive policy which helps you take care of the most important aspect of your life - your health!

Select a plan that suits your need:​​​​​

BenefitsGold PlanSilver PlanStandard Plan
Hospitalisation YesYesYes
Hospitalisation ​​
Day Care TreatmentYes- As listed in Annexure 1
Pre-Hospitalisation Medical Expenses60 days60 days30 days
Post-Hospitalisation Medical Expenses90 days90 days60 days
Pre-Existing DiseaseAfter 2 continuous renewalsAfter 2 continuous renewalsAfter 4 continuous renewals
Cost of Health Check-upYesYesYes
Critical IllnessYesNoNo
Donor ExpensesYesYesNo

  • We cover hospitalisation expenses for period more than 24 hours only
  • Domiciliary Hospitalisation is limited to 10% of sum insured, for medical expenses incurred for availing medical treatment at home which would have otherwise required hospitalisation
  • Reimbursement of cost of medical check-up upto 1% of average sum insured for individual policies and upto 1.25% for floater covers, once at the end of a block of four consecutive years, provided there are no claims reported under the policies by any member, during the block

Complementary Benefits:

Benefi​tsGold PlanSilver PlanStandard Plan
Expenses on accompanying person (per day amount)Rs.300/- per day for a maximum period of 5 daysRs.250/- per day for a maximum period of 5 daysRs.200/- per day for a maximum period of 5 days
Local Road Ambulance Service (maximum of)Upto Rs.1000/-Upto Rs.750/-Upto Rs.500/-
Daily Hospitalisation AllowanceRs.250 per day up to 7 daysNoNo
Nursing Allowance (Per day amount)Rs.300 per day for a maximum period of 5 daysRs.250 per day for a maximum period of 5 daysNo
Recovery Benefit#YesYesNo

# In case an insured person is hospitalised for more than 10 days, a lump-sum of Rs.10,000/- will be paid. ​
Discounts for you-
one girl
4% discount
for one daughter*​
one girl
7​% discount
for two daughters​*​
No-claim discount
of upto 20%*
  • 4% discount i​n case 'one daughter’ is covered in a policy (either 2 adults +​ 1 child or 2 adults + 2 children)
  • 7% discount in case two daughters are covered in 2 adults + 2 children policy
  • No-claim discount of 5% is applicable for every claim-free year. Maximum discount availed can be 20%.​

​​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! ​​​​​​​​​​​​

*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 HealthWise Health Insurance Policy.​  UIN-RELHLIP21522V032021.​​

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What does my​​ policy cover?

​​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​​​

What does my policy not cover?

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​​

We also provide variety of options to choose from such as a family floater mediclaim policy, individual health insurance plans, cashless health insurance, senior citizen health insurance and sum insured 3 lacs, 6 lacs & 9 lacs are available.​

Health Wise Insurance FAQ


Health Wise Insurance Reviews and Ratings

Average Rating:

4.9(Based on 158 ratings)

Showing 10 reviews

  • “I liked your Website, It is very easy to use.”

    I quickly registered my claim and at the same time, I uploaded my document also. It is so easy and fast that I don't have to courier my document anywhere and wait for the revert. I really liked this online process.

    AMIT RANA17 January 2022, Delhi
  • “cashless hospitalization helps”

    Cashless health insurance helped my family when my brother was admitted because of illness.

    Sahil K15 January 2019, Patna
  • “Health insurance is a must”

    With growing expenses of medical treatments with time it is highly advisable to have a health insurance in place

    Ganesh P20 December 2018, Lucknow
  • “Wise With My Daughter's Health”

    I have two daughters, and buying this health insurance plan makes a lot of sense for me. Thanks Reliance General! Good product services.

    Yusuf B7 December 2018, Ahmedabad
  • “give high importance to health”

    I decided to buy health insurance from reliance as a precautionary measure for myself.

    Vivaan L27 March 2018, Delhi
  • “got a good deal on my health insurance”

    Happy with the quote of my health insurance premium. It is providing a good coverage in a decent health insurance premium

    D Vinod23 March 2018, Chennai
  • “Nice”

    Very good and clear information and guidance for renewal of existing policy. Thanks a lot

    Kiran Nair27 September 2015, Kerala
  • “Awesome,Fast and Reliable”

    Very easy and smooth process to use Reliance General Insurance Website.

    Nandini Sharma30 July 2015, Alappuzha
  • “Process is easy and pricing is less.”

    Process is easy and pricing is less than competitors.

    Sunil Chandra13 July 2015, Bhopal
  • “Knowledgeable team”

    Reliance General staff assisted me in renewing my policy, The team member was too good very fast and full knowledge of the policy details, Such people are an asset to your company. All the best I am very happy and a satisfied customer.

    Hitesh29 June 2015, Vijayawada
  • See all reviews