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Reliance Health Insurance

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Reliance Health Insurance
Cashless Approval TAT4 hour Cashless Claim Processing
Claim Settlement100%
Network Hospitals8,600+
Pre-existing Disease Waiting Period1 year
Special BenefitsMore Cover, More time, More Global
Starting Premium for Rs. 5 lakhs coverageRs. 243/month

Reliance General Insurance Company Limited, an Indian private insurance firm, operates as an integral part of the Reliance Anil Dhirubhai Ambani Group. This company is entirely owned by Reliance Capital. Incorporated in 2000, Reliance General Insurance Company Limited is recognised as one of India's leading general insurance companies. With a considerable company size of 3800+ employees, Reliance General Insurance Company Limited is trusted by 300 Crore+ customers and provides more than 100 insurance products covering motor, health, home, travel, marine, and more. [1]

About Reliance Health Insurance

To meet the varying demands of different clients, Reliance General Health Insurance company offers a wide range of health insurance plans. These consist of group mediclaim health insurance policies, critical illness coverage, individual plans, family floater plans, etc. With Reliance Health Insurance, you also have the option to purchase a Super Top-Up Plan [2], which helps manage additional medical expenses and enhance your overall insurance protection. The main objective of the insurance provider is to create affordable insurance plans that are accessible to all client segments. The best thing about Reliance Health Insurance is that it offers "More" of everything with top benefits like More Cover, More Global, and More Time.

Key Features

Following are the key features of Reliance Health Insurance that make this insurance provider stand out:

  • More Cover: When you select a 5 Crores Sum Insured with Reliance Health Insurance, you gain more than just standard coverage. This means that you can increase your protection by an additional 1.5 crores, offering you a sizable safety net in case of emergencies.
  • More Global: Whether it's a scheduled or urgent in-patient procedure, Reliance medical insurance has you covered worldwide. It provides coverage for emergency medical treatments abroad and any pre-planned international medical procedures up to a specified limit.
  • More Time: The More Time feature allows you to stay protected for longer. When you opt for a 24-month plan, you can enjoy extended coverage for 26 months.
  • Wide Range of Sum Insured: The insurer understands that everyone's needs are different. That's why their health plans offer a wide range of Sum Insured options, starting from Rs. 3 lakhs and going up to Rs. 5 Crores [3].
  • Versatile Portfolio: Reliance Health Insurance ensures that you and your family receive protection for everything that holds significance in your lives.

Health Insurance Calculator

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Eligibility to Purchase Reliance Health Insurance Plan

Reliance Health Insurance outlines specific eligibility criteria for policyholders, with different requirements in terms of Age, Waiting Period, and Policy Duration.

1. Age

  • Adults within the age range of 18 to 65 years are eligible to apply
  • The policy is open to children aged between 91 days and 25 years

2. Waiting Period

  • The initial waiting period ranges from 15 to 30 days after policy inception

Reliance Health Insurance Plan List

  • Individual (7)
  • Family (7)
  • Woman (7)
  • Blood Pressure (7)
  • Kids (7)
  • Thyroid (7)
  • Diabetes (7)
See More Plans

Top Plans Offered by Reliance Health Insurance

The top plans by Reliance Health Insurance Company are tabulated below:



Sum Insured

Ideally Suited For

Reliance Health Gain

Individual or Family Floater

Rs. 3 Lakhs to Rs. 100 Lakhs


Reliance Health Infinity

Individual or Family Floater

Rs. 5 Lakhs to Rs. 5 Crores


Reliance Health Global

Individual or Family Floater

US$ 150k to US$ 1 M

Youngsters and Family

Riders Offered By Reliance Health Insurance

The Reliance health insurance plan riders are mentioned below:

  • Smart Protector: The Smart Protector rider enhances coverage by 20% or 33.33% yearly, reaching a maximum of 100% of the Sum Insured. It also includes an air ambulance service for smooth transportation during life-threatening emergencies.
  • Double Cover: The Double Cover rider doubles your protection by providing an additional 100% of the Sum Insured for the same claim.
  • Change in Pre-Existing Waiting Period: With this rider, you can change your waiting period to 48 months, 24 months, or 12 months in case of pre-existing conditions.
  • Mother & Child Care Cover: The Mother & Child Care Cover includes a Maternity Cover for deliveries (Normal & C-section) with coverage options of Rs. 1 Lakh or Rs. 2 Lakhs. It also covers newborns and their vaccination expenses up to Rs. 1 Lakh.
  • Limitless Covers: Reliance’s Limitless Covers covers the cost of miscellaneous expenses like gloves, syringes, etc. It also offers the Unlimited Restore Benefit, which allows restoring the base Sum Insured multiple times in a year for related or unrelated claims. [5]

*Kindly note that you can include riders in your plan by paying an extra premium. The specific riders available may vary based on the plan you select.

How To Purchase Reliance Health Insurance Policy?

There are options available for both online and home visit purchases of Reliance medical insurance plans:

Purchase Reliance Health Insurance Policy Via InsuranceDekho

Purchasing a Reliance Health insurance plan through InsuranceDekho is a hassle-free and quick process. You have two options for buying the policy via InsuranceDekho:

Steps for Purchasing Reliance Health Insurance Policy with InsuranceDekho Online:

Step 1: Provide Details on InsuranceDekho Website:

Start by visiting the health insurance page on InsuranceDekho or fill in your details such as name and phone number in the given form.

Step 2: Select the Most Suitable Plan

Select the most suitable Reliance health insurance plan for yourself and your family on the basis of your requirements and budget.

Step 3: Pay the Premium Amount

Complete the necessary details in Proposal Form 1, answer two health-related questions in Proposal Form 2, submit your KYC, and pay the premium amount.

Step 4: Post-payment Assistance

Following the payment of the premium, an InsuranceDekho relationship manager will get in touch with you to guide you through the policy issuance process.

Purchase Reliance Health Insurance Policy with InsuranceDekho with complete assistance

Step 1: Enter Information on the InsuranceDekho Website

Go to and fill in your basic details, such as mobile number, age, and pin code.

Step 2: Compare the Available Reliance Health Plans

Based on the details you provided, you will see the list of the most suitable Reliance health insurance plans.

Step 3: Request a Call Back

You can request a callback by updating the inquiry on the plan page on the website. Additionally, if you require more help, an InsuranceDekho advisor will be sent to your home for home assistance.

Purchase Reliance Health Insurance Policy From Insurer’s Website

Here's a step-by-step guide for purchasing a Reliance Health Plan through the insurer's website:

Step 1: Open the official Reliance Health Insurance website.

Step 2: Fill in your name, mobile number, and pin code in the provided fields.

Step 3: Agree to the terms and conditions, then click on "View Prices" to access the list of available plans.

Step 4: Review the list of plans and select the one that aligns with your requirements.

Step 5: Proceed to complete the premium payment for the selected plan.

Upon successful payment, you will receive confirmation of your Reliance Health Insurance purchase.

Benefits of Purchasing your Policy from InsuranceDekho

  • InsuranceDekho offers dual claim support to guarantee a seamless approach to settling claims
  • With us, you get assistance in getting priority approvals from the insurer
  • We even help you with any name, address, and other policy changes or policy renewal
  • We provide you with impartial decisions by suggesting the insurance plan based on an extensive industry scan

Documents Required for Purchasing your Policy

When applying for Reliance Health Insurance, you are required to submit the following documentation:

  • A copy of Proposal Form or OTP Verification
  • Voter ID, PAN card, Aadhaar Card, Driver's License or Passport for age verification
  • Proof of address such as Ration card, Driver's licence, Passport, Rent agreement if applicable, PAN Card, Aadhaar Card, or Utility Bills
  • Passport-size Photographs
  • Medical Reports

How to Claim Your Health Insurance?

Reliance Health Insurance offers a convenient Cashless Everywhere facility for an efficient claim settlement process. This feature provides policyholders with the flexibility to opt for cashless treatments at any hospital, even in the ones that are not in the insurance provider's network. However, certain conditions must be met to avail of this benefit.

In the case of planned treatment at non-network hospitals, customers are required to notify Reliance at least 48 hours before admission. For emergencies requiring immediate hospitalisation at a non-network hospital, policyholders must inform Reliance within 48 hours of admission. Please note that approval for non-network cashless treatment depends on adherence to policy terms, conditions, and hospital agreements. [6]

Additionally, certain hospitals are not part of the Reliance Health Insurance network. For details on these excluded hospitals, please visit the provided link -

Awards and Achievement of Reliance Health Insurance

  • India’s Most Trusted Brand Awards 2021 for Best Claims Management
  • The Best Brand of The Year, March 2021
  • The Best Brand of The Year, December 2021 ​
  • The Business Leadership Awards 2021
  • ​The General Insurance Company of The Year- Large (Private Sector)
  • 5th Annual Insurance India Awards 2020
  • ​Healthcare Leadership Award 2014 [7]

Reliance Health Insurance - Customer Service & Support

If you need assistance or have inquiries regarding Reliance Health Insurance, their customer support team is there to assist you throughout the purchase process. Here are the different ways in which you can reach out to them [8]:

  • For any queries or information, feel free to drop them an email at
  • You can write and send your letters to:
    • Reliance General Insurance, Correspondence Unit,
    • 2nd & 3rd Floor, Winway Building, 11/12, Block No-4,
    • Old No-67, South Tukoganj, Near Madhumilan Square,
    • Indore, Madhya Pradesh, India - 452001 (Please note that this address is for written communication only)
  • Call them on the following phone numbers:
  1. Paid Number: +91 22 48903009
  2. Senior Citizen Helpline Number: +91 22 33834185
  3. You can also reach them via WhatsApp by simply messaging at +91 7400422200

Additionally, you can contact the InsuranceDekho Customer Support Team by calling at +91-755 1196 989 or by emailing at

Complaints & Grievance Redressal

Reliance Health Insurance prioritises your peace of mind and is dedicated to resolving any issues you may face. In case of any sort of grievance [9]:

  • You can reach out to the support team at +91 22 4890 3009 or send an email to You can even find and visit the nearest branch for in-person assistance.
  • If you are dissatisfied with their response then send an email to Nodal Officer at
  • For further escalation please email Head Grievances at ​
  • If your issue still persists, you can contact the Insurance Ombudsman

You can also get help from InsuranceDekho if you have a complaint. The Grievance Redressal Officer, Mr. Rohit Khurana, can be contacted at If the problem continues, you can report it to the Principal Officer at Check out our Grievance Redressal page for more details.



Key Metrics

The provided table below shows the crucial metrics associated with Reliance Health Insurance:

Key Metrics


Claim Settlement Ratio (FY 2022)


Solvency Ratio (March 2023)


Lives Covered

3 Crore+

Launch Year


*The percentage of claims settled by an insurance company relative to the total number of claims received is known as the Claim Settlement Ratio (CSR). Any company with a CSR of 85% or above is considered to be good to buy insurance from.

**The solvency ratio is a financial indicator that measures a company's ability to meet its long-term debt obligations and signifies its financial stability. Any company having a solvency ratio >1.5 is considered to be good to buy insurance from. [4]

*Life covered here refers to the number of people insured and the data is taken from Reliance General’s official website and is not specific to Reliance Health Insurance.[1]

Health Insurance News


  • What is the re-instatement of Base Sum Insured?

    This means that the insurer will refill the sum insured without any extra cost in case you exhaust your entire sum insured and cumulative bonus if any but still require hospitalisation.

  • What is a co-payment?

    A co-payment or co-pay in health insurance refers to cost-sharing requirements under a health policy. In it, the policyholder pays a specified percentage of the admissible cost. The remaining amount is paid by the insurance company.

  • Is pre-policy check-up covered?

    No, you need to pay for the cost of pre-policy examination directly to the diagnostic center or the doctor. Reliance General Insurance will coordinate the appointment with its empanelled or diagnostic center.

  • Does Reliance General Insurance pay the complete amount in case of a cashless treatment?

    The insurance company pays towards all admissible charges up to the limit of your sum insured.

  • What is the grace period to renew a policy online?

    The grace time is 30 days immediately following the premium due date of the policy.

User Reviews

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What users are saying
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    InsuranceDekho made it easy to understand and helped me to get an affordable and perfect plan according to my medical requirements from Reliance Health. Great service when I needed assistance.

    By Anusha Sharma
    On: May 23, 2024
  • Plan With Maximum Benefits

    Thank you for suggesting to me the Reliance General Health Insurance Plan. I am impressed with the services of InsuranceDekho company. I am happy to be protected by the best health insurance plan according to the best features and benefits. The insurance experts of the InsuranceDekho company are dedicated and knowledgeable. And of course, the health insurance purchasing process of the company was simple and easy.

    By Sandaya Kumari
    On: Mar 12, 2024
  • Must Buy Insurance Policy

    After using the Reliance General Health Insurance plan which I bought with InsuranceDekho for so many years, I can easily say that the Reliance General Health Insurance Plan is amazing. I renewed this Health Insurance Plan by insuranceDekho’s website. InsuranceDekho does not have just reasonable prices of health insurance plans but also has amazing benefits to offer. Thank You! Team.

    By Isha Gupta
    On: Mar 01, 2024
  • Flexibility On Time

    InsuranceDekho is the best online insurance provider company. I Thank the Customer Care team of the InsuarnceDekho company for helping me throughout the process. I had a great time purchasing Reliance Health Insurance Plan through your online platform. I appreciate all the hard work done by the InsuranceDekho customer team to make my experience astounding.

    By Priya Thakur
    On: Feb 07, 2024
  • Instant Updates

    I got instant updates when I was buying the Reliance Health Insurance Plan from InsuranceDekho. The customer support team quickly issued my policy and I even got the updates on my registered mail ID.

    By Harsh Yadav
    On: Dec 11, 2023