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Why Choose Reliance General Insurance?

  • 3 Crore Policyholders

    3 Crore+ Policyholders^

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  • 100+ Insurance Products

    100+ Insurance Products

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  • 98.6% Claim Settled

    98.6% Claim Settled#

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Why You Should Trust Us With Your Insurance Needs

  • Claims Settled

    1.26 Crore+ Claims Settled##

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    Paperless & Cashless Claims

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Reliance General Testimonial I have a motor policy with Reliance General Insurance from last 3 years and I did not face any kind problem in services. Recently, I renewed my policy. Also, received policy copy on my email id immediately. I am very happy with the services of Reliance General Insurance.
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Abbas Valliambaliyasana

Happy with the services

30 June 2022, Gujarat

Reliance General Testimonial Overall services are excellent in Reliance General Insurance. I have registered my motor claim through speechbot. Process was good and smooth. I was able to register easily through speechbot without any problems.
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Manish Virmani

Motor Claim Intimation

12 March 2022, Delhi

Reliance General Testimonial Thanks a lot!! I contacted Reliance General Insurance and got complete information which I was expecting. I am very happy with services of your company. Keep up the good work.
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Rishabh Kumar Shukla

Very happy with services

18 August 2022, Uttar Pradesh

Reliance General Testimonial Hi, I'm just appreciating your service team member, Mr. Vikas Agrawal for an outstanding service provided. Resolution to the problem was quickly solved. Thank you & Good luck to the team for the support.
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Giju RojiJohn

Problem was quickly solved

2 September 2022, Kerala

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

Customizable health insurance policy

5 February 2020, Vijayawada

Reliance General Testimonial 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.
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Chirag

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08 June 2022, Haryana


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Our Moments Of Pride

  • 2nd Annual India's Most Trusted & Promising Brand Award for Innovative Products by Insurance Alertss
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  • Best Use of Innovation & Technology in CX Award (Brobot Speech-bot) at Digital Customer Experience Confex & Awards ‘23 by Gain Skills Business Media

FAQs About Insurance

  • Insurance is a legal contract between you (the policyholder) and an insurance company. Under this contract, you have to pay a certain amount of money (called a premium) to the insurance company. In exchange, the insurance company agrees to provide financial coverage for unexpected losses or damages you may experience due to sudden illness, accident and other unfortunate events.

    Note that the insurance company will pay for your losses or damages as per the terms and conditions of your insurance policy. For example, if you have car insurance and your car gets into an accident, your insurance company will pay for the expenses related to repairing or replacing the damaged car parts as per the coverage limit mentioned in the policy.

    In simple terms, insurance helps you to reduce or prevent a greater financial burden in the future by paying a relatively small premium today.

  • There are two main types of insurance:

    Life Insurance: It is a legal agreement between an insurance company and policyholder. As part of this, you have to pay monthly or annually premiums and, in return, the insurance company agrees to pay your nominee a lump sum amount upon your death. Life Insurance provides coverage for many causes of death, except suicide, pre-existing diseases, war and illegal acts.

    General Insurance: It is a legal agreement between an insurance company and policyholder wherein the insurer offers protection against unexpected events that may cause financial losses. When you buy general insurance, you pay a premium on a regular basis to an insurance company. In return, the insurance company agrees to cover your valuable items against unfortunate events, including accidents, natural disasters, theft and more. General Insurance provides coverage to a wide range of things such as your car, two-wheeler, health, travel, corporate and SME.

  • General Insurance is a great way to protect yourself and your belongings from unexpected losses and damages. Reliance General Insurance offers a wide umbrella of insurance products, such as motor, health, travel and Corporate & SME.

    Motor Insurance: It is a type of insurance that provides financial protection to all types of vehicles, including two-wheelers, four-wheelers and commercial trucks, against any damage or loss caused by accidents, theft or natural disasters. It is mandatory to have a valid motor insurance to drive your vehicle/s on public roads in India.

    Health Insurance: It is a type of insurance that offers coverage for healthcare expenses that may arise due to an unexpected medical emergency. Health insurance covers a range of medical costs, including hospitalisation, doctor fees, medicine costs and medical procedures. You can buy health insurance for yourself and/or your family depending on your needs.

    Travel Insurance: This type of insurance provides financial compensation for unexpected medical and on-medical emergencies that may occur during your domestic or international trips. Travel insurance covers flight cancellation, flight delays, medical emergencies, loss of baggage and other losses or damages you may incur while travelling.

    Corporate & SME Insurance: Reliance General Insurance offers insurance coverage for a variety of risks, including fire damage, marine cargo damage/theft and professional indemnity.

  • If you don’t have any insurance policy, you won’t be able to completely protect yourself against unexpected events such as accidents, theft, damages and more. Buying the right insurance policy helps you to get financial protection against losses caused by different uncertainties in life.

  • Insurance follows a risk-sharing process wherein a group of people pays a certain amount (premium) to an insurance company to protect themselves against a common risk. The insurance company uses the money from this pool to provide financial support whenever someone from the group suffers from an unexpected loss or damage. The main idea is to spread the risk across a pool of customers and reduce the cost of potential financial losses for each individual.

  • Reliance General Insurance, a part of Reliance Capital, is one of the leading general insurance companies in India. We offer a comprehensive bouquet of insurance products, including Motor, Health, Travel and Corporate & SME, to fulfil each and every need of our customers. On top of this, Reliance General Insurance has a super-simple policy buying/renewal journey and super-fast claims intimation process.

  • Car insurance or four-wheeler insurance is an insurance policy that offers financial coverage to you for losses or damages to your vehicle owing to accidents, natural calamities, self-ignition, explosion, burglary and malicious activities. It also provides protection against third-party liabilities (property damage or death) that may arise because of your vehicle.

    As per the Insurance Regulatory and Development Authority of India (IRDAI), it is mandatory to have a valid car insurance to drive your vehicle in India. Note that a car insurance premium is calculated based on your car type, model and IDV (insured declared value).

    If you want to buy car insurance, Reliance General Insurance offers multiple types of car insurance policies that you can choose from based on your needs. We also have tie-ups with leading OEMs such as Hyundai, Mahindra, Toyota, Maruti Suzuki and Tata Motors to ensure that you are fully covered. Here are our car insurance plans:

    Third-Party Car Insurance: Offers coverage for any damage caused by your car to a third-party vehicle or property. This policy also covers third-party bodily injury or death. Here, the third-party refers to an individual (not you) who has incurred losses or damages because of your car. As per the Motor Vehicles Act, 1988, it is mandatory to have a third-party car insurance policy for your vehicle. The IRDAI sets the premium price for third-party car insurance. It considers your vehicle engine’s cubic capacity to determine the premium.

    Long-Term Car Insurance: Enables you to insure your car for up to three years. This policy covers both your own and third-party losses or damages caused by accidents; theft; fire; natural calamities like flood, typhoon, hurricane, storm, cyclone, hailstorm or frost; man-made activities like riot and strike, malicious act and terrorism; and self ignition or lightning. Reliance Long-Term Car Insurance comes with a No Claim Bonus for not raising any claims during a policy year.

    Own Damage Car Insurance: Provides coverage for the expenses you incur to repair or replace parts (of your own car) damaged in an accident. This policy also covers damages to your car caused by natural disasters, including floods, earthquake and hurricane, and man-made calamities, including vandalism, riots and terrorist attacks. Reliance General Insurance also offers various add-on covers to enhance your Own Damage Car Insurance policy.

    Commercial Vehicle Insurance: Provides financial protection to your commercial vehicle against losses or damages caused by riots, strikes, earthquakes, malicious activities, terrorist attacks, landslides, accidents (via external means), burglary, cyclone, hailstorm, self-ignition and lightning. Vehicles covered by this insurance are goods carrying commercial vehicles, mobile cranes, drilling rigs, mobile plants, excavators and miscellaneous vehicles with trailers. The Commercial Vehicle Insurance policy from Reliance General Insurance also includes third-party insurance.

    Bus Insurance: Offers coverage to school buses and private buses (for company employees) against losses or damages caused by accidents, theft, fire or any malicious activities and natural calamities. Note that it is mandatory for every vehicle owner to have a valid third-party insurance.

    Commercial Car (Taxi) Insurance: Provides coverage for third-party property damage or bodily injury caused by your commercial vehicles, such as taxis. Note that it is mandatory to have a valid taxi insurance policy as per the Motor Vehicles Act, 1988. Reliance Taxi Insurance policy comes with a No Claim Bonus, which rewards you with discounts on premium for not filing any claim during your policy period.

  • Two-wheeler insurance provides financial coverage for any losses or damages to your bike or scooter that may arise due to accidents, theft, natural calamities and malicious activities. It also protects you from third-party liabilities such as damages to another person’s property and injury or death caused because of your two-wheeler.

    As per the Motor Vehicles Act, 1988 it is mandatory to have a valid two-wheeler insurance policy to drive your bike or scooter on Indian public roads. The premium is calculated based on your two-wheeler’s type, model and IDV (insured declared value).

    If you want to buy two-wheeler insurance, Reliance General Insurance offers three key two-wheeler insurance plans. We also have partnership with key two-wheeler manufacturers such as Honda, Bajaj, Hero, TVS, Yamaha, Royal Enfield, Suzuki, Mahindra and Kawasaki to ensure you are covered no matter which model you have. Our two-wheeler insurance policies are:

    Third-Party Two-Wheeler Insurance: Offers coverage for any damage caused by your two-wheeler to a third-party vehicle or property. This policy also covers third-party bodily injury or death. Here, the third-party refers to someone who has suffered accidental damages or losses because of your two-wheeler. It is mandatory to have a Third-Party Liability Cover as per the Motor Vehicles Act, 1988. Hence, the IRDAI regulates the premium amount by taking into consideration the cubic capacity of a two-wheeler’s engine.

    Long-Term Two-Wheeler Insurance: Helps you to insure your two-wheeler against accidents, fire explosion, self-ignition, natural calamities, riots, strikes, malicious activities and terrorist attacks for a longer duration (two, three and five years). This policy covers both your own and third-party damages. Reliance Long-Term Two-Wheeler Insurance policy comes with a No Claim Bonus, which rewards you with premium discounts for not filing any claim during your policy period.

    Own Damage Two-Wheeler Insurance: Provides financial support to repair or replace parts (of your own two-wheeler) that were damaged due to fire explosion, self-ignition, burglary and theft. This policy also covers damages to your two-wheeler caused by natural disasters, including flood, typhoon, hurricane and earthquake, and man-made calamities, including riots, strikes, terrorist acts and malicious activities.

  • Health insurance is a type of insurance that helps you pay for unexpected medical expenses and treatments. In exchange for a monthly or yearly premium, an insurer agrees to provide medical coverage for hospitalisation, daycare services, surgical treatments, consultation charges and other medical costs.

    Every individual has a unique set of health insurance needs. That is why there are multiple types of health insurance plans available in the market. The main ones are Individual Health Insurance, Family Health Insurance, Senior Citizen Health Insurance, Personal Accident Insurance and Critical Illness Health Insurance.

    If you want to health insurance, Reliance General Insurance provides a range of health insurance policies. We also have partnerships with 9,100+ network hospitals to ensure that you don’t only get easy-access to medical services but enjoy cashless treatments. Our health insurance policies include:

    Health Gain Insurance: Enables you to customise your health insurance policy. You can choose from the Plus, Power and Prime plans as per your needs. This no-compromise insurance plan offers coverage to you and/or your family for modern treatments, hospitalisation expenses, ambulance expenses, accidental death and more. You can get coverage up to ₹1 crore, discount of up to 40% on the premium and no room rent limits.

    Health Infinity Insurance: Offers coverage for inpatient care, pre- and post-hospitalisation, special treatments, AYUSH treatments, medical expenses and more. This limitless insurance policy offers limitless benefits, including coverage up to ₹5 crore, discount of up to 35% on the premium, OPD cover, maternity cover, emergency ambulance and restoration of your sum insured for unrelated illness or injury.

    Super Top-Up Insurance: Serves as a backup insurance plan that can help you pay for your surplus medical expenses incurred during emergencies. This health insurance policy offers coverage for inpatient, day care or outpatient treatments, domiciliary hospitalisation, ambulance expenses, maternity expenses and more. It offers sum insured between ₹5 lakh and ₹1.30 crore and discount of up to 35% on the premium.

    Arogya Sanjeevani Policy: Provides coverage for inpatient care, special treatments, day care procedures, pre- and post-hospitalisation, emergency road ambulance, AYUSH treatments and more. It has a sum insured ranging ranging between ₹50,000 to ₹10 lakhs. You can also customise this policy as per your requirements.

    HealthWise Health Insurance: Offers coverage for health check-ups, medical expenses, hospitalisation and more.

    Hospi Care Insurance: Offers coverage for certain surgical procedures and hospitalisation expenses.

    Saral Suraksha Bima: Provides financial protection to you and/or your family against accidental disability or death. You also get a lump sum benefit of up to 100% of the sum-insured value.

    Personal Accident Insurance: Provides coverage for injuries or death caused by an accident. This policy covers your medical expenses and offers financial support when you suffer from accidental total/partial disability or death.

    Critical Illness Insurance: Offers financial protection to you against certain life-threatening and lifestyle-disabling diseases. With this policy, you get a lump sum amount to cover for your medical expenses.

    Corona Rakshak Insurance: Provides coverage to you against COVID-19 related expenses. With this policy, you get a lump sum payment when you are diagnosed with COVID-19 and hospitalised for a minimum of 72 hours.

    Corona Kavach Insurance: Offers financial protection to you and your family against medical expenses incurred due to COVID-19 infection. It covers hospitalisation expenses, home treatment expenses, AYUSH treatment and more.

    Group Mediclaim Insurance Policy: Provides comprehensive coverage to your workers against unexpected medical expenses.

    Wellness: Offers holistic healthcare services and wellness programmes for both individuals and corporates.

  • Travel Insurance is a type of insurance that provides financial coverage for your domestic or international trips against unforeseen risks, including medical expenses, loss of passport, trip delay, trip cancellation and interruption, loss and delay of checked-in luggage and home burglary.

    Travel insurance is valid from the start day of your trip to the last day of your trip or until the time you reach your home country. Note that travel insurance requirements keep changing for every country. There are certain countries where is it mandatory for tourists to have a valid travel insurance. Make sure to check a country’s travel insurance requirements before booking your trip.

    If you are planning a trip, Reliance General Insurance can help to protect yourself and your belongings during your travel. We offer a range of unique travel insurance policies that gives you the peace of mind you need during your trip. These are:

    International Travel Insurance: Offers coverage for your international trip against multiple possible risks. You can use this policy to cover unexpected medical expenses, home burglary, loss of luggage and other travel-related problems. Reliance General Insurance also offers automated policy extension (up to 30 days) in case of a medical emergency or evacuation.

    Schengen Travel Insurance: Provides coverage to travellers visiting Schengen countries like Switzerland, Spain, Italy, France, Germany, Portugal, Denmark and more. Use this policy to cover unforeseen medical expenses, loss of passport, delay or loss of checked-in baggage, accidental death, personal accidents and liabilities. Note that it is compulsory to have a medical coverage of at least Euro 30,000 to get a Schengen Visa.

    Asia Travel Insurance: Provides financial protection to travellers visiting Asian countries like Thailand, Dubai, Singapore, Malaysia, Mauritius, China and more. You can use this policy to cover sudden medical expenses, loss of passport, delay or loss of checked-in baggage, accidental death, personal accidents and liabilities, financial emergency assistance, hijack distress allowance and trip delay.

    Annual Multi-Trip Travel Insurance: Offers continuous and flexible coverage for multiple international trips within a year. You can use this policy to cover unanticipated medical expenses, daily allowance in case of hospitalisation, delay or loss of checked-in luggage, trip interruptions and cancellations, loss of passport and missed connections during your trip. If you’re a frequent traveller, buying an Annual Multi-Trip Travel Insurance would be more economical for you.

    Senior Citizen Travel Insurance: Offers financial support to senior citizens who are travelling domestically or internationally against unexpected medical expenses, loss or delay of checked-in luggage, loss of passport, personal accident, compassionate visits, accidental death and personal liabilities. You can avail add-ons such as hospitalisation daily allowance, financial emergency assistance and home burglary insurance by opting for Silver, Gold or Platinum Senior Citizen Travel Insurance plan.

    Student Travel Insurance: Provides financial protection to students who are travelling abroad for educational purposes. You can opt this policy to cover expenses caused by unexpected accidents or illnesses, loss of checked-in baggage, personal liabilities, compassionate visits and study interruptions.

  • Corporate and SME insurance is a type of insurance that provides protection to your business, irrespective of its size or industry. It helps to safeguard your business against various risks and uncertainties that can impact your operations, products, finances and reputation. These risks include property damage, employee illness or injury, business interruption, third-party liabilities and product loss or damage.

    Corporate and SME insurance policies are customised to meet the unique requirements of different businesses. For example, marine cargo insurance provides coverage against the risks associated with the transportation of goods, including loss or damage due to accidents, natural disasters, piracy and theft.

    Reliance General Insurance provides a wide range of policies to cater to the specific needs of different businesses. These include:

    Professional Indemnity Insurance: Provides financial protection to doctors, chartered accountants, management consultants, lawyers, architects and consultant engineers against any legal expenses and damages caused by allegations of professional negligence and error. This policy covers all the costs, expenses and fees incurred for the investigation, defence and settlement of any allegation.

    Employee’s Compensation Insurance Policy: Provides financial support to your employees if they get injured or die as a result of or during their employment. This coverage is mandatory under the Employee Compensation Act 1923, Common Law and Fatal Accidents Act 1855. Any commercial company can buy this policy.

    Director’s and Officer’s Liability Insurance: Offers protection to your company’s directors and key officers against the financial consequences of any legal claims and lawsuits that may arise due to their decisions or actions. This policy can be purchased by public liability, non-profit and private organisations.

    Marine Cargo Insurance Policy: Offers coverage to your cargo (goods being transported by land, sea or air) against any possible mishap. It provides protection against risks such as fire or explosion, ship collision and sinking, theft, malicious damages and natural calamities. This policy helps you to protect your cargo from the time it leaves the warehouse or place of origin until it reaches its final destination.

    Shopkeepers Package Policy: Offers coverage to small- and medium-sized shopkeepers against theft or damage to their shop structure and its contents. This policy also covers breakdown of all mechanical and electrical appliances, legal liability toward employees and third parties, money in transit or in safe, and more. You can customise the cover as per your requirement.

    Pardhan Mantri Fasal Bima Yojana: Provides financial coverage to farmers against unexpected crop loss or damage caused by adverse weather conditions, pests and crop diseases. All farmers, including tenant farmers, are eligible for this policy. Note that only the crops notified by the State Government are covered.

    Contractor’s Plant and Machinery Insurance: Offers protection to the plants and machinery used at your project site against physical loss or damages caused by accidents, fire, burglary and riots. You can also customise this policy by opting for add-on covers for clearance and removal of debris, express freight, air freight, third party liability and terrorism.

    Standard Fire and Special Perils Policy: Offers protection to your properties, including house, office, shop and factory, against losses or damages caused by fire and related perils such as lightening, storm or cyclone, explosions, riots, strikes and malicious damages. You can also enhance the cover for your insured property by opting for add-ons such as Spoilage Material Damage Cover, Impact Damage Cover, Leakage and Contamination Cover and more.

    Reliance Contractor All Risk: Provides coverage to your civil construction projects against loss or damage to construction material, plant, machinery and temporary structure such as sheds and offices. It also comes with a third party liability coverage. Note that this policy covers civil project like building construction, road, dam, bridges on land or rivers or creeks, flyover and tank construction.

    Reliance Erection All Risk: Offers coverage to machinery, plant, equipment, civil work and other material work at your project site against physical loss or damage caused by fire, lightning, burglary, explosion, and natural disasters such earthquake and floods. This policy also comes with a third party liability coverage.

  • The main idea behind purchasing an insurance is protecting yourself against unforeseen financial risks. But you are legally required to purchase some types of insurance. For example, it is mandatory to have a valid motor insurance to drive a vehicle legally in India.

  • You can start by listing down your specific requirements and doing a thorough research on different policies available in the market. Look for the plan that offers wide coverages and comprehensive benefits. Make sure that the insurance company you are planning to buy a policy from is a trusted company with extensive hospital/garage/branch network and a high claim settlement ratio.

  • Different insurance policies have different premium amount. Some of the factors that are taken into account to determine a premium includes your age, the type of insurance coverage, the amount of coverage, your personal information, your ZIP code and more.

  • It won’t take more than a couple of minutes to buy a policy from us.

  • You can use cash, cheque, debit card, credit card, net banking and mobile wallets to buy a policy from Reliance General Insurance.

  • You need to provide your proof of your identity, age and health conditions. Specifically, the documents needed are:

    Identity proof: This includes your passport, Aadhar card, driving licence, PAN card and Voter ID card.

    Age proof: This includes your birth certificate, passport, Aadhar card, driving licence and Voter ID card.

    Medical reports: You need to provide the necessary medical reports if you are buying a policy for any pre-existing diseases or health conditions.

  • Reliance General Insurance has a very streamlined and easy claim process. Just visit our website or download our Reliance Self-i app to file claims instantly. There, provide details about the incident, including the date, time, location and any other relevant information. You can also call our customer service executives on our helpline number +91 22-48903009 if you have any queries.

  • Reliance General Insurance has a very streamlined claims processing and settlement method. It includes four steps:

    Claim notification: You need to notify us about the claim as soon as possible. You can do this by either raising a claim request on our Reliance Self-i app or visiting our website and initiating a claims request via the Claims tab on the menu bar. You can also call our customer service executives on our helpline number +91 22-48903009.

    Claim registration: Once you have notified us about the claim, we will register the claim and assign a claim number to you. You need to provide all the necessary details related to the incident, including the date, time, location, and cause of the loss or damage.

    Insurance surveyor: We will then assign a surveyor to investigate your claim and evaluate your loss or damage. The surveyor will also determine whether the losses or damages are covered under your policy. We will approve or deny your claim based on the surveyor’s investigation and evaluation.

    Claim settlement process: We have two claim settlement processes - Cashless and Reimbursement. If you opt for the cashless process, we will directly settle the bills with our network hospitals or garages. With the reimbursement process, you have to pay all the bills and submit them along with the claim form to the surveyor/us for settlement.

  • The time it takes to receive an insurance claim payment depends on several factors, such as the type of insurance policy, the nature or severity of the claim and the insurance company's policies and procedures.

  • Generally, there is no limit to the number of claims you can make if you don’t surpass the sum assured of your policy. (Unless you have purchased a product with limits)

  • Your claim will be processed and settled on a proportionate basis. In simple terms, you get compensated based on the coverage limit determined under each policy. You will not get paid twice for the same losses or damages as both the insurance companies will work together to determine their respective contribution toward the claim settlement. They will ensure that the total amount you receive as compensation does not exceed the actual cost of the loss or damage.

  • You just have to visit our website and click on the Renewal tab on the menu bar. Fill in your details and make the payment. You can also download our Reliance Self-i app or call our customer service executives on our helpline number +91 22-48903009 to renew your existing policy.

  • There are multiple ways to renew your existing insurance policy. Depending on your convenience and preference, you can opt for either online or offline payment mode.

    Online payment: You can renew your insurance policy from the comfort of your home using online payment options such as credit/debit cards, net banking, UPI and mobile wallets, including Paytm, PhonePe and GPay and Amazon Pay.

    Offline payment: You can renew your insurance policy offline by visiting your insurance company's office or through an insurance agent and making the payment with cash or cheque.

  • You may need to submit a copy of your previous insurance policy document to renew your existing policy. You may also need to submit your updated identification proof, address proof and other important documents (such as vehicle registration certificate or health-check-up report).

  • We offer a super-fast policy renewal process. It won’t take more than a couple of minutes to renew a policy from us.

  • Yes, you can easily increase your sum insured when renewing your existing insurance. Here’s how it works for different insurance products:

    Health insurance: You can generally increase the sum insured of your health insurance policy at the time of renewal. However, this may be subject to certain conditions such as your age and health condition. Some health insurance policies from Reliance General Insurance also come with a Cumulative Bonus benefit that lets you increase your sum insured for every claim-free year. Another option to increase your overall coverage is by purchasing an additional insurance policy or a top-up plan.

    Motor insurance: You can increase your motor insurance coverage at the time of policy renewal. You can do this by opting for options such as a higher third-party liability cover or a comprehensive policy with add-ons such as zero depreciation or engine protect cover. It is important to note that your premium and coverage amount is affected by factors such as IDV, driver's age, driving history, location, the type of vehicle being insured and claim history.

    Travel insurance: Travel insurance is usually a one-time contract that provides coverage for a specific trip or duration. You can easily renew or extend your policy as per your needs. However, your premium will be influenced by factors such as the policy coverage, duration and any changes in your health status or travel plans. If you are a frequent traveller, it is advisable to opt for multi-trip or annual travel insurance policies that cover multiple trips during a year.

    Corporate & SME insurance: You can easily increase your sum insured for your Corporate & SME Insurance during the renewal period. However, note that the premium amount will be affected by factors such as your claim history, changes in business operations or industry regulation, risk management practices and market conditions.

  • You should renew your insurance policy before it expires to avoid a lapse in coverage. Reliance General Insurance starts sending renewal reminders about 45-90 days prior to the policy expiry date. We send multiple SMS, WhatsApp messages and Reliance Self-i notifications to highlight the date by which you need to renew your existing policy.

Disclaimers:

*Car Insurance: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 1 March 2023 and then converted into a per month basis, which gives us Rs.238/month (2,853/12).

*Two-Wheeler Insurance: The premium mentioned is excluding taxes for the private two-wheeler model TVS Jupiter with cubic capacity of less than 110 cc for a 1 year Own Damage Insurance policy for an IDV of 34,766. Premium used is 233/year as on 1 March 2023 and then converted into a per month basis, which gives us Rs.19/month (233/12).

*Health Insurance: 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).

*Travel Insurance: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.

**The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.

^The total no. of customers insured data is for FY22 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.

#This is the overall claim settlement ratio for FY 21-22 as per public disclosure of Reliance General Insurance

##The number of claim settled mentioned above is for the number of claims paid from FY15 to FY23 across all line of businesses and are in lines with the data reported to IRDAI