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Reliance Health Global Policy

A Health Policy Without Borders

International Health Insurance

Reliance Health Global Policy

A Health Policy Without Borders

International Health Insurance

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Reliance Health Global

Reliance Health Global is an international health insurance policy that covers you globally by getting you the best treatment from the best hospitals anywhere in the world, including the US and Canada. It covers planned treatments like heart surgeries, joint or hip replacements, bone marrow transplants, neurosurgery, gene therapy, etc. It is your go-to international medical insurance plan for all your planned hospitalisations globally.

Our policy provides comprehensive coverage for you and family by offering a Sum Insured of up to USD 1 million. It is also the first global health insurance policy that covers you for emergency and planned treatments within India by offering an unlimited Sum Insured^, which makes it one of the best international health insurance policies in the world. Additionally, you get access to 7 Lakh+ Medical Specialistsi to take care of your specific health needs.

Reliance Health Global goes beyond just covering your hospitalisation expenses. It also covers travel and accommodation expenses for you and extends it to your companion and organ donor to help you focus on your treatment. Our overseas health insurance policy provides assistance with your visa and documentation too. It’s a complete package for all your global planned treatments.

Reliance Health Global

Key Features of Reliance Health Global

Reliance Health Global is a truly international health insurance policy that offers benefits under four plans, Elite, Elite+, Royal and Royal+. It covers all specialised treatments+ including neurosurgery, bypass surgery, cancer, etc. You also get your travel and accommodation expenses covered. For more details, check out the table below to understand what you get with the Global Cover.

Key Features Elite Plan Elite+ Plan Royal Plan Royal+ Plan
Scope of Cover Planned Hospitalisation only (Indemnity Basis)
Sum Insured (in US$) 150K, 250K, 500K, 750K, 1M (for Individual & Family Floater Plans)
Treatments Covered
  1. Cancer Treatment
  2. Coronary Artery Bypass Graft (CABG) Surgery
  3. Heart Valve Replacement or Repair
  4. Neurosurgery
  5. Donor Organ Transplant
  6. Bone Marrow Transplant
  7. Aorta Graft Surgery
  8. Pulmonary Artery Graft Surgery
  9. Skin Grafting Surgery for Major Burns
  10. Joint Replacement/Reconstruction (Hip, Knee and Shoulder)
  11. Reconstructive Surgery
  12. Gene Therapy (Sub-limit: 50% of Sum Insured or $500K, whichever is lower. Lifetime limit: 100% of Sum Insured)
All illnesses, including the specified illnesses:
  1. Cancer Treatment
  2. Coronary Artery Bypass Graft (CABG) Surgery
  3. Heart Valve Replacement or Repair
  4. Neurosurgery
  5. Donor Organ Transplant
  6. Bone Marrow Transplant
  7. Aorta Graft Surgery
  8. Pulmonary Artery Graft Surgery
  9. Skin Grafting Surgery for Major Burns
  10. Joint Replacement/Reconstruction (Hip, Knee and Shoulder)
  11. Reconstructive Surgery
  12. Gene Therapy (Sub-limit: 50% of Sum Insured. Lifetime limit: 100% of Sum Insured)
Lifetime Limit 2x of the Annual Sum Insured
Inpatient TreatmentTooltip-Icon

Covers medical expenses, including ambulance and organ donor expenses, when you’re hospitalised.

Up to Sum Insured
Pre and Post-Operative Day Care Treatment Tooltip-Icon

Covers expenses for pre and post-operative day care treatment in connection to your hospitalisation.

Within Sum Insured
Pre-Hospitalisation ExpensesTooltip-Icon

Covers medical expenses incurred from the date of arrival in the city of treatment up to 15 days or until the commencement date of pre-approved inpatient treatment, whichever is earlier.

15 days (Within Sum Insured)
Post-Hospitalisation ExpensesTooltip-Icon

Covers medical expenses incurred up to 30 days after hospitalisation.

30 days (Within Sum Insured)
Rehabilitation (for accidents only)Tooltip-Icon

Covers expenses for rehabilitation treatment like physical, occupational and speech therapy if the insured is injured during the policy period.

NA $2300 and within Sum Insured NA $2300 and within Sum Insured
Travel ExpensesTooltip-Icon

Covers expenses towards travel expenses incurred by the insured person, one accompanying companion and the living donor (only in the case of transplant) for the treatment of the insured person.

NA Within Sum Insured

For Worldwide including US/Canada: Up to USD 7000 total (for insured, companion and living donor)

For Worldwide excluding US/Canada: Up to USD 3500 total (for insured, companion and living donor)
NA Within Sum Insured

For Worldwide including US/Canada: Up to USD 7000 total (for insured, companion and living donor)

For Worldwide excluding US/Canada: Up to USD 3500 total (for insured, companion and living donor)
Accommodation ExpensesTooltip-Icon

Cover expenses towards the expenses incurred by the insured person, one accompanying companion and the living donor (only in the case of transplant) on availing the accommodation in the city of treatment.

NA Maximum up to 60 days (within Sum Insured)

For Worldwide including US/Canada: Up to $350 per day

For Worldwide excluding US/Canada: Up to $250 per day
NA Maximum up to 60 days (within Sum Insured)

For Worldwide including US/Canada: Up to $350 per day

For Worldwide excluding US/Canada: Up to $250 per day
Repatriation of Mortal RemainsTooltip-Icon

Covers expenses for transporting the mortal remains of the Insured back to India or for a local cremation/burial.

Up to $15,000 (within Sum Insured)
Second OpinionTooltip-Icon

Covers the expenses for seeking an additional medical opinion from another medical practitioner if the insured is diagnosed with any of the illness specified in the policy.

Within Sum Insured
Visa Charges & DocumentationTooltip-Icon

Covers expenses for Visa processing and also assists in providing documentation-related information

NA Within Sum Insured NA Within Sum Insured
Assistance ServicesTooltip-Icon

Covers expenses incurred for Translation Services. Other Assistance Services offered are Transmission of Urgent Messages, Lost Passport Assistance, Consular Referral, Arrangement of Radio Taxi or Chauffer Services and Emergency Cash Assistance.

NA No Limit NA No Limit
Tax Benefits++ Up to ₹1 Lakh under Section 80D

Our global health insurance policy also provides coverage in India through the Global+India Cover. It lets you enjoy all the features offered under your selected Global plan plus coverage for your planned and emergency hospitalisations in India. The India Cover has two plans, Basic and Comprehensive. Here’s a table for you to understand the India Cover better.

Key Features
Basic Plan Comprehensive Plan
Scope of Cover Planned + Emergency Hospitalisation (Indemnity Basis)

All illnesses including specified illnesses. (For Gene Therapy: Sub-limit of 50% of India Base Sum Insured, Lifetime limit: 100% of India Base Sum Insured)
Global Sum Insured (in US$) 150K, 250K, 500K, 750K, 1M
Corresponding India Sum Insured (in ₹)Tooltip-Icon

Your India Sum Insured is based on the Global Sum Insured you’ve opted for. For example, if your Global Sum Insured is $150K you’ll get a corresponding India Sum Insured of ₹1.5 Cr. If you have a $250K Global Sum Insured, you’ll get a ₹2.5 Cr India Sum Insured and so on and so forth.

1.5Cr, 2.5Cr, 4.5Cr, 6.5Cr, Unlimited^
Treatments Covered (in India) All illnesses, including the specified illnesses:
  1. Cancer Treatment
  2. Coronary Artery Bypass Graft (CABG) Surgery
  3. Heart Valve Replacement or Repair
  4. Neurosurgery
  5. Donor Organ Transplant
  6. Bone Marrow Transplant
  7. Aorta Graft Surgery
  8. Pulmonary Artery Graft Surgery
  9. Skin Grafting Surgery for Major Burns
  10. Joint Replacement / Reconstruction (Hip, Knee and Shoulder)
  11. Reconstructive Surgery
  12. Gene Therapy (Sub-limit: 50% of India Sum Insured. Lifetime limit: 100% of India Sum Insured)
Inpatient Care (No Room Category Restriction)Tooltip-Icon

Covers medical expenses, including consumables, when you're hospitalised.

Up to Sum Insured
Day Care Treatment (No Room Category Restriction)Tooltip-Icon

Covers expenses for day care treatments mentioned in your policy.

Up to Sum Insured
No Claim Bonus*Tooltip-Icon

An increase you get in your Sum Insured at the time of renewal if you didn't make any claims in the previous year

A 25% increase in Base Sum Insured for every claim-free policy year (maximum increase up to 100% of Base Sum Insured) and a 25% decrease for every claim year
Home Care TreatmentTooltip-Icon

Covers expenses for home care treatments, including round-the-clock doctor visits.

NA ₹25 Lakhs (within Sum Insured) and a maximum of up to 15 days in a policy year
Medical EquipmentTooltip-Icon

Covers expenses for equipment or devices obtained for medical purposes and aid.

NA ₹5 Lakhs for Durable Medical Equipment Tooltip-Icon

Covers a range of long-lasting medical equipment, including Wheelchairs, CPM Machine, Oxygen Concentrators, patient lifts and artificial limbs.

(Within Sum Insured)

₹2 Lakhs for Small Medical Equipment Tooltip-Icon

Covers a range of small medical equipment, which have limited useful lifetime. Examples are Spectacles, Medical Splints, Cervical Collar and Nebulizer.

(Within Sum Insured)
OPDTooltip-Icon

Covers expenses incurred for Generalist Consultation, Specialist Consultation, Prescribed Diagnostic Tests, Pharmacy Bills, Alternate / Complementary Treatments, Physiotherapy and Dental Treatments.

NA ₹50,000
Inflation Protection* An 8% increase in Base Sum Insured at the end of each policy year (maximum increase up to 100% of Base Sum Insured) irrespective of the number of claims made in a particular year
Domiciliary HospitalisationTooltip-Icon

Covers expenses for getting treated at home due to inability to go to a hospital or unavailability of hospital rooms.

Within Sum Insured
Modern TreatmentTooltip-Icon

Covers expenses for modern treatment methods listed in the policy.

Within Sum Insured
Pre-Hospitalisation ExpensesTooltip-Icon

Covers medical expenses incurred before hospitalisation.

Covered up to 90 days (within Sum Insured)
Post-Hospitalisation ExpensesTooltip-Icon

Covers medical expenses incurred after hospital discharge.

Covered up to 180 days (within Sum Insured)
Organ Donor ExpensesTooltip-Icon

Covers expenses for an organ donor's surgery donating his/her organ to the Insured.

Within Sum Insured
RehabilitationTooltip-Icon

Covers expenses for rehabilitation treatment connected to an injury like physical and speech therapy.

NA ₹50,000 and within Sum Insured
Second OpinionTooltip-Icon

Covers the expenses for seeking an additional medical opinion from another medical practitioner.

5,000 and within Sum Insured
Unlimited Reinstatement*Tooltip-Icon

Replenish your Sum Insured after exhausting it for a claim in a given Policy Year.

Applicable on the subsequent claim for related or unrelated illness or injury (basis India Base Sum Insured)
Assistance ServicesTooltip-Icon

Covers expenses incurred for Tele-consultation, Booking of Health Check-ups, Arrangement of At-home Nurse and Emergency Helpline.

No Limit
Domestic Road AmbulanceTooltip-Icon

Covers expenses for using road ambulance services offered by a hospital or by an ambulance provider.

Within Sum Insured
Air AmbulanceTooltip-Icon

Covers expenses for using Air Ambulance services in emergency life-threatening situations.

Within Sum Insured
Health Check-upTooltip-Icon

Covers expenses for taking preventive and diagnostic medical tests listed in the policy.

NA Up to ₹10,000 in two years (starting from the second consecutive policy year)
Tax Benefits++ Up to ₹1 Lakh under Section 80D


Note: The maximum liability of Reliance General Insurance toward all claims under this policy will be limited to the Sum Insured.

Discounts & Benefits
Available Under Reliance Health Global

Long Term Discount

12% Discount

Applicable on purchasing a 3-year policy and 7% for a 2-year policy

Employee Discount

10% Discount

For existing Reliance General Insurance employees

Existing Customer Discount

5% Discount

For existing policyholders of RGI private car/health/long-term home insurance policy

Online Discount

5% Discount

Available exclusively if you buy this policy through our website

Waiver of Co-payment#

This benefit waives off the co-payment condition of 20% on the Assessed Claim Amount applicable on policies where the insured age, entering into the policy for the first time, is >=61 years

Voluntary Co-payment

This benefit gives you a discount on your premium if you opt for a 10%/20% co-payment on your Assessed Claim Amount

Change in Pre-Existing Waiting Period

This benefit changes the pre-existing waiting period from 36 months to 12, 24 and 48 months

Eligibility Criteria
for Reliance Health Global

Details Criteria
Age Child: 91 days to 25 years
Adult: 18 years to 65 years
Policy Period 1 year, 2 years & 3 years
Co-payment 20% on the Assessed Claim Amount applicable on Policies where the insured age, entering into the Policy for the first time, is >=61 years

Waiting Period
of Reliance Health Global

Details Duration
Initial Waiting Period
  • 90 days under Global Cover
  • 30 days under India Cover
Specific Waiting Period
  • Joint Replacement/Reconstruction (hip, knee, shoulder): 36 months for claims under Global Coverage, 24 months under claims for India Coverage
  • Gene Therapy: 48 months
  • Dental Cover (under India Comprehensive Plan): 30 days
  • Listed illnesses/procedures: 24 months
Pre-Existing Disease Waiting Period 36 months

Claim Process
for Reliance Health Global

Our global health insurance plan offers both cashless and reimbursement claims for Global Cover and Global+India optional cover. Any claims made abroad are settled by our Third-Party Administrator (TPA). Meanwhile, claims made in India are settled on a cashless basis if you get treated at a network hospital and on a reimbursement basis if you visit a non-network hospital.

Global Cover

Register Claim

Register Claim

Inform Reliance General Insurance about your decision to opt for planned hospitalisation or second opinion by writing to us, logging into the Reliance Self-i App or website or calling us.

Submit Documents

Submit Documents

Submit all relevant documents, including Final Diagnosis Paper and Consent Form, related to your medical condition to us to avail either second opinion or planned hospitalisation.

Recommended Hospital

Select Recommended Hospital

We’ll recommend network hospitals and you may select one among them for your planned hospitalisation. In case you’ve opted for a second opinion, we will contact you for the next steps.

Get Medical Opinion

Get Medical Opinion

All your medical reports will be shared with the selected network hospital and they will share a detailed medical opinion for you to review.

Review & Confirm Treatment

Review & Confirm Treatment

Review the medical opinion from the network hospital and if you’re satisfied with it, then you notify us about your willingness to receive treatment from them.

Treatment Preparations

Treatment Preparations

Our empanelled provider will organise the necessary logistical, Visa (subject to approvals), travel, accommodation and medical arrangements and issue a Preliminary Medical Certificate.

Post-Treatment Process

Post-Treatment Process

Once your treatment is done, the hospital will arrange your travel back to India. All bills will be directly settled between us and the hospital as per your policy’s terms & conditions.

Global+India Cover

Register Claim

Register Claim

Inform Reliance General Insurance of your hospitalisation by writing to us, logging on to the Reliance Self-i App or visiting our website or calling us on (022) 48903009 (Paid Number).

Claim Process

Claim Process

Submit all the relevant documents like health card, valid ID proof etc. to the network hospital. Our claims team will also coordinate with the hospital to process your claim.

Claim Approval

Claim Approval

Once your documents are verified and approved, the claims team will process your cashless claim with the hospital.

Global Cover

Register Claim

Register Claim

Contact Reliance General Insurance and share the medical documents immediately or within 30 days of your discharge via our website or through email.

Claim Approval

Claim Approval

Your claim will be approved once the claims team checks and verifies all the relevant documents.

Note: No Reimbursement option is applicable for Global Cover, unless the same is approved by Reliance General Insurance on a case-to-case basis.

Global+India Cover

Register Claim

Register Claim

Inform Reliance General Insurance of your hospitalisation by writing to us, logging on to the Reliance Self-i App or visiting our website or calling us on (022) 48903009 (Paid Number).

Claim Process

Claim Process

Submit all the relevant documents related to your claim within 15 days of getting discharged from the hospital. The claims team will start processing it immediately.

Claim Approval

Claim Approval

Once your documents are verified and approved, the claims team will reimburse you for the medical expenses mentioned in your policy.

Exclusions
under Reliance Health Global

Following is a partial list of the policy exclusions in our international health insurance policy. Please refer to the policy wordings for the complete list of exclusions:

  • Investigation & Evaluation
  • Rest Cure, rehabilitation and respite care
  • Obesity/ Weight Control
  • Change-of-Gender treatments
  • Cosmetic or Plastic Surgery
  • Hazardous or Adventure sports
  • Breach of law
  • Excluded Providers
  • Substance Abuse and Alcohol
  • Wellness and Rejuvenation
  • Dietary Supplements & Substances
  • Refractive Error
  • Unproven Treatments
  • Sterility and Infertility
  • Maternity Expenses

Specific Exclusions (Applicable to both Global Cover and India Cover)

  • Organ Donor Expenses
  • Treatment outside Discipline
  • Gene Therapy except to the extent specifically stated to be covered
  • Hearing Aids and spectacles
  • External durable medical equipment except to the specifically stated to be covered
  • Sleep Apnea
  • External Congenital Anomaly
  • Artificial Life support equipments
  • Outpatient Treatment except to the specifically stated to be covered
  • Self-injury
  • Documentation charges
  • Circumcision
  • Convalescence or Rehabilitation
  • Dental Treatments except to the specifically stated to be covered
  • Unprescribed Drugs or treatments
  • Hormonal therapies
  • Peritoneal dialysis
  • Non-Medically Necessary Treatment
  • Spinal subluxation, manipulation and muscle stimulation
  • Treatment by a family member
  • Vaccination and immunisation
  • Charges other than Reasonable & Customary Charges
  • Nuclear Attack
  • War

Specific Exclusions (Applicable to Global Cover)

  • Alternative Treatments
  • Countries outside Geographical Scope
  • Non-payable items
  • Sanction Clause
  • Treatment taken in India

Specific Exclusions (Applicable to Global+India Cover)

  • Medical supplies
  • Prosthetic and other devices
  • Treatment taken Abroad
  • RMO charges and Service charge

Frequently Asked Questions
on Health Global Insurance

  • A pre-existing disease is:

    • any condition, ailment, injury or disease that is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement.
    • any condition, ailment, injury or disease for which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement.

    Diabetes and high blood pressure are some examples of a pre-existing disease.

  • Some medical procedures require you to shell out money before and after you are admitted to the hospital. That could be for medical advice or recovery from surgery. These costs are called pre- and post-hospitalisation costs.

  • OPD stands for Outpatient Department. It’s a facility where the Insured visits a clinic/hospital or associated facility like a consultation room for diagnosis and treatment based on the advice of a Medical Practitioner.

  • Your international health insurance plan lasts for 12 months from the start date of the policy. You can opt for a longer period by purchasing a two or three-year policy.

  • No, you need to pay only one premium amount to cover all your family members if you add them to a Family Floater Plan. Our international health insurance policy, Reliance Health Global, offers both individual and family floater plans.

  • You can pay your insurance premium by credit card, debit card, UPI and Net Banking.

  • Being an international health insurance plan, Reliance Health Global gets you benefits under two types of covers, Global and India Cover. Under these, you have planned treatments of various surgeries and treatments covered like Coronary Artery Bypass Graft Surgery, joint or hip replacements, bone marrow transplants, etc. You also have a high Sum Insured starting from $1.5 Lakhs and Rs.1.5 Cr for Global and India Covers respectively.

  • Reliance Health Global covers several medical expenses to take care of your overseas health insurance needs which include Inpatient Care (ICU charges, Nursing, Practitioner’s fees, related diagnostic tests), Pre and Post Hospitalisation expenses, Day Care Treatment, Rehabilitation Expenses, Travel Expenses, etc. A full list of inclusions is available in the Policy Wordings.

  • Travel Expenses is a benefit under Global Cover of Reliance Health Global. It covers the expenses of travelling from your home in India to the airport, an Economy class flight ticket and travel from the destination country’s airport to the hospital or place of stay. It also covers your return journey to India. Travel Expenses is one of the important benefits of our international health insurance plan.

  • Yes, your international health insurance is active from the day it is issued. However, there is a 90-day and 30-day waiting period for Global and India Cover respectively for the treatment of any illness.

  • Yes, our global health insurance plan has optional covers like Waiver of Co-payment and Change in Pre-Existing Disease Waiting Period. A full list of covers is available in the Policy Wordings.

  • There are two types of covers in our global health insurance plan, Global Cover and Global+India Cover. Under Global Cover, your planned treatments outside India are covered. Under Global+India Cover, planned treatments and emergency hospitalisation are covered in India along with planned treatments abroad.

  • The Global Cover is the primary offering under Reliance Health Global that covers all your planned treatments abroad. It covers inpatient treatment, pre and post-hospitalisation expenses, expenses for 12 major illnesses, travel expenses, accommodation expenses, etc. It is what makes Reliance Health Global a truly global health insurance policy.

  • Reliance Health Global offers the option to take care of your domestic medical needs too with the Global+India Cover. While the Global Cover acts as your international health insurance policy for planned treatments abroad, the addition of an India Cover will take care of planned treatments and emergency hospitalisation within India.

  • Assistance Services is a benefit under Global Cover that covers expenses incurred for Translation Services. It also provides assistance services such as Transmission of Urgent Messages, Lost Passport Assistance, Consular Referral, Arrangement of Radio Taxi or Chauffeur Services and Emergency Cash Assistance. This is a vital benefit in an overseas medical insurance as it will make your planned treatments abroad that much more smoother.

  • Under the Global+India Cover, you can opt for any kind of hospital room for treatments in India since there is no cap on the room rent.

  • Yes, it is available in the Comprehensive Plan under India Cover. It covers expenses incurred for Generalist Consultation, Specialist Consultation, Prescribed Diagnostic Tests, Pharmacy Bills, Alternate/Complementary Treatments, Physiotherapy and Dental Treatments.

  • Yes, it is covered in the Comprehensive Plan under India Cover. You can avail of this benefit starting from the second consecutive policy year.

  • If, by chance, you haven't paid the renewal premium on your policy, you will no longer be covered. This shows that your global health insurance plan coverage has been discontinued. To avoid this, it is essential to pay the renewal premium before the due date. Please note we also provide you a grace period of 30 days to renew your policy.

  • Yes, you can make cashless claims for every hospitalisation if you get treated at a network hospital. At non-network hospitals, you will be reimbursed for the expenses incurred due to your hospitalisation.

  • You cannot avail of the cashless facility at a non-network hospital. However, you will be reimbursed for all the expenses you've incurred for your treatment.

Disclaimers:
^Unlimited is not available under the Floater plan for Reliance Health Global’s India Cover | iThe number of specialists is part of our network and associates and the number is subject to revision | *Not applicable for unlimited India Sum Insured | ++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. | #Underwriter approval is required if the co-payment waiver is opted at the time of renewal | **Additional premiums or discounts will apply | ^^Maximum discount including Long-term discount is limited to 20% | +Applicable for Royal Plan and Royal+ Plan only | For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324

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