Reliance Health Insurance Benefits

Reliance Health Insurance

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Highlights

7,300+ Network Hospitals

91,492 Policies Issued

94% Incurred Claim Ratio

Lifelong Renewability

72.20% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Benefits of Reliance Health Insurance

Reliance General Insurance Company is the insurance arm of the leading Indian conglomerate Reliance Group. The company offers a range of general insurance plans like travel insurance, motor insurance, health insurance, and others. 

Reliance General is present across India with more than 139 offices in all leading cities and a network of more than 28,000 intermediaries. Thus, buying insurance plans from the company is easy. The company promises to deliver the policy within 10 seconds of buying it. The company has ISO 9001:2015 certification ensuring high service and products standards. 

In the context of health insurance, the company has developed a range of health insurance plans which have good coverage features. The premiums are low so that you can affordably insure yourself and your family members under a good health plan offered by Reliance.

  • Additional Benefit of Free Health Check up

    When you buy health insurance plans from Reliance, you get free health check-up facility in all its policies. This facility helps you avail free health check-ups at periodic intervals so that you can monitor your health and take preventive steps against prospective illnesses.
  • Additional Protection over Employer Coverage

    Employees covered under employer’s group health plans can also opt for Reliance’s health insurance plans. Independent health insurance plans of Reliance would help them increase their coverage level and also opt for the necessary coverage benefits which are absent in their employer’s group health plan.
  • Cashless Benefit

    Reliance is tied up with more than 4000 hospitals across the country thereby helping its customers to avail cashless claim settlements. If customers take treatments at the networked hospitals, they can escape the burden of medical costs as the company would settle their medical bills directly with the hospital. With a wide network of hospitals, Reliance effectively helps customers get the benefits of cashless claims.
  • Claim Settement Ratio

    Reliance endeavours to settle all of the claims which are made on it. That is why the company has a high claim settlement ratio. This ratio also assures the policyholders that their claims would be honoured by the insurance company and gives them peace of mind. The Claim settlement ratio of Reliance is 75.76%*. *The claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    All health plans offered by Reliance have a good scope of coverage. They cover expenses incurred on hospitalisation, the treatments availed, ambulance costs, expenses incurred after being discharged from the hospital as well as those which are incurred before being hospitalised. Moreover, you can also find coverage for maternity related expenses, critical illness, non-allopathic treatments, etc. in selective plans offered by the company.
  • Incurred Claim Ratio

    The amount of claim paid vis-à-vis the premium collected by the insurance company is called the Incurred Claim Ratio (ICR). The higher the ratio, the lower the profits the company earns in a financial year. For the year 2018-19, Reliance’s ICR was 94%*. This shows that the company paid more in claims than the premiums earned. *The incurred claim ratio change from time to time.
  • Tax Benefit

    If you pay premiums for a health insurance policy, the paid premiums are allowed as a tax-free deduction from your taxable income. This deduction is allowed under Section 80D up to a maximum of Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen).

Reliance Health Insurance Plan List

Name of PlanSum Insured
Health GainMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
Critical Illness InsuranceMin: 18 Years; Max: 65 Years5 Lakh Get Quotes Now
HealthWiseMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
Health Infinity Min: 91 Days; Max: 65 Years 3 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 5 lakh Get Quotes Now

Reliance Health Insurance User Reviews

  • Covers many critical illnesses

    My Reliance General Critical Insurance Plan covers me against many critical illnesses. I thank the team at InsuranceDekho who helped me shortlist this...

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    S
    Swati Sahay
    On: Jun 04, 2020 | Views
  • Good user interface

    Reliance General Health Insurance is popular in the field of insurance. I purchased its  Healthwise policy from InsuranceDekho and I really appre...

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    S
    Sankar Periyasami
    On: Jun 02, 2020 | Views
  • Wide sum insured range

    I was happy to have found a health insurance policy that provides me coverage benefits for a wide sum insured range. I bought Reliance General Health ...

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    A
    Anjali Bisht
    On: Jun 02, 2020 | Views
  • Many benefits under this policy

    Health infinity plan by Reliance General provides me many benefits like cover for in-patient hospitalisation treatment, daycare procedures, domiciliar...

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    R
    Roohi Arora
    On: Jun 02, 2020 | Views
  • Beneficial policy...

    Reliance General Health Infinity Plan is a useful policy that covers me and family against unforeseen circumstances. InsuranceDekho helped me buy this...

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    N
    Nitin Kainth
    On: Jun 01, 2020 | Views
  • Good plan for family.

    I recently purchased a Health Infinity Plan by Reliance General for my family from Insurance Dekho. I got covered for many benefits under it and liked...

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    J
    Jitesh Arneja
    On: May 31, 2020 | Views
  • Many coverage features without sub-limits

    Health Infinity Plan is a comprehensive plan that covers me and my family for many benefits without any capping. I was able to purchase this policy on...

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    Y
    Yoginder Yadav
    On: May 31, 2020 | Views
  • Good Health Benefits Plans

    I have taken health insurance with Reliance General for 2 years. InsuranceDekho is a good option and I am paying a premium with easy online payment. W...

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    G
    Gaurav Bajaj
    On: May 28, 2020 | Views
  • Helpful team at InsuranceDekho

    I had purchased Reliance General’s Health Gain policy from InsuranceDekho last year. I wanted some policy documents to submit in my office for w...

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    S
    Sanya Rao
    On: May 26, 2020 | Views
  • Cover for many expenses.

    HealthGain is a plan that offers me many benefits at nominal premium. I brought it for sum insured of Rs. 3 Lakh and people can buy it until 65 years....

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    H
    Harish Kumar SA
    On: Feb 27, 2020 | Views

Reliance Health Insurance Contact Details

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Reliance Health Insurance FAQs

  • 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 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.

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