Reliance General Insurance
Reliance General Insurance
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Health Insurance

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Reliance HealthWise Insurance Policy

No premium loading after a claim

No- sub-limit

No capping

No Co-payment

Cashless facility @ 4,000+ Network hospitals

Buy Health Insurance 

Seeing your family in the best of health is your utmost priority. Yet, despite your best efforts, unexpected illness/ accidents do occur, that can take a toll on your savings. We offer you healthcare insurance with Reliance HealthWise policy that provides financial assistance to you and your family, it covers you against hospitalization expenses towards diseases / illness / injury in India along with a host of value added covers.

Reliance HealthWise Insurance policy(Standard Plan) comes with Unique features that gives you the best advantage at all times

  • Choice of Sum insured: 2 lacs, 3 lacs, 4 lacs & 5 lacs
  • No medical tests for persons up to 45 years with clean medical history
  • Basic coverage of Hospitalization due to Illness/ accident – All plans
  • Associated covers like:
  •             -Hospitalization expenses

               -Domiciliary Hospitalization

               -Day Care Treatment

               -Pre & Post Hospitalization cover

               -Nursing Allowance

               -Pre existing coverage after 4 years of renewal

               -Cost of Health Check up reimbursement after 4 claim free years

  • Value added covers like:
  •            -Road Ambulance service

               -Expenses on accompanying person

  • Maximum entry age : 65 Years
  • Income Tax Benefits
  • 50% reimbursement on pre acceptance medical test charges for accepted proposals

Benefit to Insured

Policy Feature Benefit to Insured
No restriction on Room rent/ ICU Rent You can decide the room you/ family member would be staying in if hospitalized and not the Insurance Company
No per illness limit You will not face any specific monetary limit while taking treatment for a particular illness
No Loading on renewal premium You have the assurance of unchanged premium even after receiving a claim
Reimbursement up to 50% for cost of pre policy health check up If your proposal is accepted , Reliance General Insurance Company shares your financial burden equally where you have to undergo specific tests requested

Renewal Features

Continuity Benefits

  • Shall be available only if the Policy is renewed within 15 days from the previous Policy expiry date
  • Assured renewal till 75 years
  • No Claim Bonus

Renewal Premium

Renewal premium would be quoted as per the base premium chart with or without renewal discount based on the claim experience.

1. Hunt for the best Insurance plan

At the time of buying a health insurance plan, people often look for policies with lowest monthly premium. However, the cheapest health insurance plan may not always be the best. Though cost of premium is an important aspect of a medical insurance policy, it should not be your only criteria of choosing one plan over other.


While selecting a medical insurance plan you should also consider yours and your family's health record and requirements. There are many family health insurance plans available in market today, the benefits offered under each plan may vary in some or the other way. Sticking to same plan may not be sufficient for you and your family's medical needs. It is important to note that the health needs of an individual and/ or his family can change anytime. Therefore, it becomes crucial for you to make a note of yours and your family's current medical requirements. Accordingly, look for a health insurance which meets all or maximum needs of your family.

The best way to do this is making a note of things like how many times on an average your family visits a doctor annually, regular prescriptions, dental follow-ups, your family's medical record i.e. checking if any person ever had a major medical issue, etc. Such a list would give you an idea about your family's medical expenses for an entire year and thus help you in getting a medical insurance policy which would be handy in the hour of need.

2. Opt for higher deductible

You may consider a higher deductible in your family health insurance policy as a big and unnecessary expense. However, a higher deductible in your medical insurance policy would mean that by shelling out few extra you get to pay lower premiums. Such health plans (with higher deductible) are good for you if your family doesn't usually visit the doctor too often.

3. Earn discounts on your Health Policy

Before buying a health insurance plan or renewing your existing policy, enquire with the insurance provider if they are offering any discounts and whether you are eligible for the same. If you find yourself eligible, enquire about the process to avail the discounts on your policy premium and enjoy maximum benefits at affordable rates.

For instance, one of the common discounts you may come across at the time of policy renewal is "No Claim Bonus". Almost all insurance providers offer this discount during health insurance policy renewal, if you had not filed any claim towards your plan in the previous year.

4. Look for health insurance policy beyond corporate plan

Many employers offer health coverage to their employees. These coverages are offered under corporate plans. However, such plans come with many limitations; therefore, even if you and/ or your spouse is covered under any such corporate plan, still buy a separate health insurance policy. Nevertheless, in such a case, you can save on towards your insurance premium by planning your policy wisely. As you are already covered under a corporate health insurance plan, while buying a separate medical insurance look for a policy which has something more to offer than the usual or same coverages and avail health coverage benefits at affordable rates.
This way you would also be medically covered even if you leave your job.

5. Get Regular Checkups

Get in a habit of regular medical check-ups. Such check-ups are not very expensive and keeps your health under right surveillance. As a result, if tomorrow you come across any health issue, your doctor would be in a better position to detect your health problems early. Medical treatments at early stages would cost you less than when the same illness is treated at a developed stage.

6. Opt for flexible payment option

Many insurance companies offer online health insurance policies. In addition, for the customer convenience they also provide with easy installment payment facility. Using this facility, individuals can buy their health insurance policy by paying the premium in easy monthly installments. The best thing about buying a policy using EMI facility is that without feeling the hitch of premium amount, individuals can enjoy the entire benefit of their family health insurance policy.

Life in itself is a challenge. In addition, leading a smooth life amid sky rocketing inflation rates is a bigger challenge. In order to make their two-ends meet, people compromise on various aspects. But something like "health" cannot be compromised on.

The rise in inflation rate is also reflecting on health insurance in India. It is sad to note that people do not hesitate even compromising on health grounds, and thus end up with no health cover for themselves and their family. However, a wise individual cannot even think of life without holding a proper health insurance not only one's own benefit, but also his/her family's.

There are over 20 general insurance companies which offer health insurance plans in India. How can one decide on which health insurance policy to buy? What is the process to choose the right health insurance company? Take a look:

1. Pick your health insurance provider wisely:

Just knowing about the product or policy is not sufficient. As mentioned earlier, there are over 20 general insurance companies in India which offer both individual and family health insurance plans. It is important to find out about the company's business practices and service quality like finding about their empanelled hospitals, time it takes for claim settlement, etc. before buying a policy.

2. Buy your individual/family health insurance plan keeping future in mind:

When you are buying your health insurance policy, do give a thought whether you need an individual or a family policy. Do you have ageing parents at home? Are you planning to start a family in the near future? Look for policies with cover for aged parents and/or maternity costs.

3. Know your health insurance policy like back of your hand:

Read all the terms & conditions, clauses mentioned in the policy. Understand the coverages and more importantly exclusions of the policy. Such a homework would not put you in a socking state at the time of claim. Thus, keep you well prepared for any medical emergency.

4. Do not exceed the 'sum assured'amount:

Never over estimate your affordability. Higher the sum insured you choose, higher would be your premium. Therefore, keeping the rising medical costs in mind, and your capability of paying the premium (at the time of both buying and renewing), choose right amount of sum insured.

5. Find out whether the company offers no-claim bonus or discount:

Buying a health insurance policy might be a necessity. However, it is not necessary that you may need to file a claim during the health insurance tenure. Many companies offer a no-claim bonus discount at the time of renewal. Check if the company you are choosing offers any such discount or not. Such a discount helps you continue your policy for consecutive years at lower premium rates. Ensure to avail this feature and keep yourself fit and healthy.

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Health Insurance Reviews & Rating

4.7 out of 5
based on 5742 ratings.
1037 user reviews
Just make it more friendly
VIKA*****@GMAIL.COM, 25 Mar 2014
Good site
neel*****, 25 Mar 2014
Like the site
same****, 24 Mar 2014
web page not displaying properly
gunj****, 24 Mar 2014
javascript error..not able to download pdf policy copy
amit****, 20 Mar 2014
Good, no issues faced
atul****, 17 Mar 2014
pkma****, 16 Mar 2014
While making the payment it showed invalid credentials
suja****, 16 Mar 2014
Nomiee Relationship was misleading
sbha****, 15 Mar 2014
Why it asked for City PINCODE, while renewing? After entry of pincode and recalculating premium, I was allowed to make payment. Strange and irritating !! I had to contact your executive to find out the option to make payment.
vija****, 14 Mar 2014
excellent !!
heal****, 14 Mar 2014
like it, no problems faced
vsch****, 14 Mar 2014
all fine
meno****, 12 Mar 2014
All Ok, no errors faced
djke****, 11 Mar 2014
No Problem and Not Error is Coming when We Purchase This Policy
brij****, 08 Mar 2014
suja****, 07 Mar 2014
asking again and again about City and Pin Code
imu_****, 07 Mar 2014
like it
Caro****, 03 Mar 2014
all Good
mani****, 02 Mar 2014
Good site and like the information offered
prav****, 27 Feb 2014
Customer support helped
kalp****, 25 Feb 2014
bhav****, 24 Feb 2014
saru****, 24 Feb 2014
very good but try to reduce the number of fields
jais****, 21 Feb 2014
nothing , great experience
ppko*****, 20 Feb 2014
sk_a****, 19 Feb 2014
No rebate details given
shuk****, 18 Feb 2014
ujja****, 18 Feb 2014
Very nice and simple to buy
vina****, 17 Feb 2014
like it
nave****, 15 Feb 2014
No Issues found, like the site
shal****, 14 Feb 2014
good site
pate****, 14 Feb 2014
all ok. Got the health policy online
piyu****, 13 Feb 2014
raje****, 11 Feb 2014
satisfied with the online support
t.aj****, 11 Feb 2014
sath****, 08 Feb 2014
sati****, 07 Feb 2014
after online renewal, got the pdf but the page was missing with required filled data
raju****, 06 Feb 2014
very good
yoge****, 06 Feb 2014
was very quick
hida****@amicorp.cpm, 06 Feb 2014
like the site and its featuers
rmde****, 05 Feb 2014
Personal accident was very help
acvr****, 05 Feb 2014
Slow processing
neel****, 01 Feb 2014
Good to have the medical policy online
hlar*****, 27 Jan 2014
the procedure was good to buy a Health Insurance Policy
nage*****, 25 Jan 2014
Quick enough to renew my mediclaim policy online
nish****, 24 Jan 2014
like the process of buying the health insurance online
rake***, 23 Jan 2014
GSVR*****@HOTMAIL.COM, 20 Jan 2014
good site for health cover
smyk****, 20 Jan 2014
vdan*****, 20 Jan 2014
no issues all went fine
tsri*****, 20 Jan 2014
Wanted to have an EMI option, would have been great
dhar*****, 20 Jan 2014
when you try to fill in unfilled details, it starts hanging a bit !****, 18 Jan 2014
sure***, 16 Jan 2014
sree*****, 14 Jan 2014
I received 3 quotations; one - premiun with discount for no claim, another 2 without the same, though i did not receive any claim, I had to pay the premium without the discount for no claim.
agop****, 13 Jan 2014
Not getting instant policy copies
unny*****, 12 Jan 2014
OK no issues
drfa*****, 12 Jan 2014
please dont make any call from your any time while i am busy at work.
sude*****, 12 Jan 2014
like it
sjja*****, 10 Jan 2014
downloading is not happening
sall*****, 06 Jan 2014
Got my copy of Health Insurance online
ritw****, 06 Jan 2014
good site
pkch***, 04 Jan 2014
got my family health insurance quickly
sand*****, 2 Jan 2014
good site
saha*****, 2 Jan 2014
got detailed information on the health insurance policy before buying the policy online
selv****, 1 Jan 2014
I am satisfied with your services. I rate your services as Excellent.
drra***, 27 Dec 2013
couldn't renew from main page..had to type key word as reliance insurance premium renewal and also couldn't download pdf
jo_c*****, 24 Dec 2013
liked the site
spsa****, 20 Dec 2013
good mediclaim policy for me and my wife
kuma*****, 20 Dec 2013
very happy with the call center support
pgop*****, 19 Dec 2013
gaur*****, 18 Dec 2013
pdf download problem
vina****, 16 Dec 2013
like it
gmth***, 16 Dec 2013
very good and prompt service
writ*****, 15 Dec 2013
the UI was good
uagr****, 14 Dec 2013
the site was fast
nays*****, 13 Dec 2014
alok*****, 10 Dec 2013
Good, all is fine on the site
kris*****, 8 Dec 2013
online chat gave me good info
seth*****, 4 Dec 2014
got my family health insurance quickly
sand*****, 25 Nov 2013
good site
saha*****, 25 Nov 2013
got detailed information on the health insurance policy before buying the policy online
selv****, 23 Nov 2013
like the site
drra***, 21 Nov 2013
couldn't renew from main page..had to type key word as reliance insurance premium renewal and also couldn't download pdf
jo_c*****, 19 Nov 2013
liked the site
spsa****, 16 Nov 2013
good mediclaim policy for me and my wife
kuma*****, 14 Nov 2013
exellent support to call centre
pgop*****, 13 Nov 2013
gaur*****, 12 Nov 2013
pdf download problem
vina****, 11 Nov 2013
like it
gmth***, 06 Nov 2013
good no issues found
writ*****, 04 Nov 2013
the UI was good
uagr****, 02 Nov 2013
the site was fast
nays*****, 30 Oct 2013
alok*****, 27 Oct 2013
Still I not revived my original policy if you dispatch already 13 saptember by India post
Vini*****, 26 Oct 2013
Good, all is find fine on the site
kris****, 24 Oct 2013
online chat gave me good info
seth***, 24 Oct 2013
good to get covered under health policy�.
apur*****, 20 Oct 2013
like the site
prav*****, 16 Oct 2013
good buying process
niti****, 15 Oct 2013
like it
sams***, 08 Oct 2013
address field alignment at confirm entered data page is a problem
nile*****, 07 Oct 2013
Some times speed is a constraint
dsdh****, 07 Oct 2013
i am not getting next step to proceed.
sanj*****, 07 Oct 2013
Good health insurance policy
rais*****, 06 Oct 2013
garg****, 04 Oct 2013
got assisted by call centre executives
vaib***, 03 Oct 2013
reac****, 03 Oct 2013
like the website
rame*****, 20 Sep 2013
good option of bundling IPA
kuma*****, 17 Sep 2013
online chat offered good help
rajk****, 17 Sep 2013
there are so many things on the page one gets confused where to go and what to choose.
nave***, 14 Sep 2013
"Nothing... I like the chat section... its good... and hassle free... so easy... no need to wait for long time to connect with the CE... "
amit*****, 12 Sep 2013
good site
gk.v****, 12 Sep 2013
buying process was smooth
vija*****, 12 Sep 2013
health policy offered was good cover for whole family
apur*****, 11 Sep 2013
like the site
abin****, 11 Sep 2013
piyu***, 07 Sep 2013
good to buy health insurance policy online
nara****, 29 Aug 2013
liked it
ashi*****, 29 Aug 2013
the Emi for paying health insurance premium is good
shar****, 27 Aug 2013
online booking discount should be given to all health policy buyers
hemd****, 27 Aug 2013
pls email me why the health insurance renewal premium is more than last year
vika*****, 25 Aug 2013
Making payment is not straight forward. I had to contact live chat for assistance.
me.r****, 16 Aug 2013
like the site
anit****, 12 Aug 2013
jene****, 11 Aug 2013
Please try to increase options for credit card EMI offering Banks
k4ka****, 08 Aug 2013
location information is confusing else the site is fine
dhee****, 07 Aug 2013
Good site
soum*****, 06 Aug 2013
good.. one picking up the phone at vizag office
kslp*** , 02 Aug 2013
good to have a health policy online
kuna***** , 02 Aug 2013
like the new health insurance policy
am.r***** , 31 Jul 2013
now my health insured
786a***** , 30 Jul 2013
non responsiveness of website.
suha***** , 29 Jul 2013
all fine
star**** , 29 Jul 2013
ok ok
prak***** , 23 Jul 2013
samb*** , 18 Jul 2013
good site
RISH****@YAHOO.CO.IN , 17 Jul 2013
Final confirmation of payment and policy generation window. It doesn't give adequate info.
sanj***** , 15 Jul 2013
kashu******, 13 July 2013
Online Health Insurance buying is good
SANJA******@MOLYGRAPH.COM, 12 July 2013
cashless hospitalisation is good for all health policies
atees******, 11 July 2013
too many questions
patel******, 9 July 2013
"Excellent , I find that you have made the buying some simple and easy compared to others where unnecessary process and details are asked for . Congrats to the team that build this application ., Yes at one stage , when I changed the coverage slab , error 100 times income sure why , even though I have selected above 1.20 Lakhs and 10 lakhs cover , the error should not have been there ."
sb162******, 9 July 2013
mtakh******, 8 July 2013
like it
vatsa******, 7 July 2013
good health info
sanja******, 4 July 2013
like the payment options
nnnag******, 3 July 2013
pawan******, 2 July 2013
Include more Health covers if possible
linki******** ,30 June 2013
mahes***** ,30 June 2013
A good health policy.
kumar******* ,29 June 2013
Good. Health Insurance policy which I came across
mitus**** ,28 June 2013
typing last name again is a problem
vidse***** ,27 June 2013
Response time of site is slow when i am working on 10mbs speed
RITES*******@YAHOO.COM ,26 June 2013
all fine
777sa**** ,25 June 2013
rajes******* ,25 June 2013
three its gone back first page.
puduv**** ,25 June 2013
I was unable to pay use net banking. Tried 3 times, then finally paid using debit card.
sulai***** ,24 June 2013
bpsir******** ,24 June 2013
all good
ashok****** ,24 June 2013
sinoj******* ,22 June 2013
radda***** ,22 June 2013
prani******* ,22 June 2013
It was not clear what or how to enter City/district/pin code field. Spouse was selected , still, it was asking to select relationship. Spent 15 minutes tryiing to figure this out. Netbanking option is also not clear at first. Was unsure how to select netbanking. Intructions were too many so it was confusing.
vivek**** ,21 June 2013
youwr***** ,21 June 2013
Nope. Good site
prati******* ,21 June 2013
vku_m******* ,20 June 2013
connecting to bank is slow
mmega******* ,20 June 2013
yes it got stuck up many times. and had to fill in details again and again
shank***** ,20 June 2013
it did not allow me to edit my name
vines***** ,19 June 2013
papaw******* ,19 June 2013
good site
bansa**** ,19 June 2013
ravip***** ,18 June 2013
buying health policy from site was good and fast
sambh*******, 17 June 2013
mailme.*****, 14 June 2013
site was fine
amitgorle********, 14 June 2013
excellent service
pithadia_tus******, 13 June 2013
"Please Enter Valid City/District/Pincode In you Database No Tanda City with 144203 Pin Code"
bha****, 13 June 2013
sv*******, 10 June 2013
Please refine your worflows very confusing and some of them dont work. Check IE 10 compatibility.
ganeshmuni*****, 8 June 2013
Superb Site
puneeth*******, 7 June 2013
no, very nice, quite intelligent and fast process
atul*****, 7 June 2013
call centre should be updated with latest updates of the product
ga********, 6 June 2013
bhandari.a******, 4 June 2013
The district name should be an entry field rather than searching from drop down.
dharam****, 2 June 2013
designpri*******, 1 June 2013
took some more time to get hard copy
londona*****, 1 June 2013
<-- June 15 --!>
No EMI option was available although there was an option.
dso**********, May 16, 2013
ICICI bank credit card option emi option not working.
upa*********, May 14, 2013
ICICI 3 emi feature not working
ron********, May 13, 2013
Very good site, but discount on renewal is very less
him**********, May 8, 2013
Nothing only Premium are too high
****, May 3, 2013
Renewal/Buy Policy box should have been placed prominently in the middle and not at the side
eye******, May 1, 2013
ani********, April 27, 2013
My exisiting policy details are not shown
sol******, April 20, 2013
Pin to be asked instead of passwords
tej**********, April 12, 2013
HDFC Netbanking page has errors while login through any site. I would have to do a few times, for getting the payment through.The secure image doesnt get loaded.
pha**********, April 9, 2013
Transaction takes more time after netbanking confirmed.
san******, April 7, 2013
I had bought this policy through an Agent, but now all the servicing is done on my own, so I will like that the commission part that is charged to be is reduced in my premium.
amb****, March 25, 2013
The color of the text should be a littlle more dark.
man******, February 13, 2013
Good customer support to buy a policy online. Interference is so easy. Got sms of renewal on time.
ris*****, February 19, 2013
Pop up should be on some corner side so we can see details properly e.g. Feedback popup.
meh**********, January 24, 2013
It was good and user friendly experience.
rit***********, January 12, 2013
I dont think i came across anything irritating.
nik**********, January 3, 2013
I was unable to view my policy renewal details when i click on the link provided. Rest is fine. Thanks.
sin**************, December 27, 2012
Not displaying the error reason correctly.
ran********, December 11, 2012
Only the fee :)
cha******, November 14, 2012
Good process!!!
tmm***, September 18, 2012
kan*********, September 3, 2012
Asking about the dob which is self generated from previous policy.
r_a********, August 31, 2012
jen****************, August 11, 2012
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General Insurance Company

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Registered Office: 
Reliance General Insurance,
Reliance Centre, 19 Walchand Hirachand Marg, Ballard Estate, Mumbai, Maharashtra - 400001
IRDA Reg. No. 103 dated 23/10/2000. Insurance is the subject matter of solicitation.

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