Reliance Health Insurance Claim Settlement

This facility is applicable when the treatment is taken at a non-network hospital. However, you can also opt for the reimbursement claim at network hospitals by paying the hospital bills from your pocket. For the reimbursement claims:

• Intimate the claim at the RCare Health call center or email as soon as you get admitted into the hospital.
• Pay the hospital bills as per the requirements.
• During the time of discharge, collect all the original bills, documents as well and reports.
• File your claim with RCare Health or TPA for processing and reimbursement.
• The claim form should be complete with correct details and submitted to RCare for the reimbursement process.
• If the claim complies with the regulations set by Reliance, you will get your reimbursement without any hassle.

​Documents required to file a claim: 

• Copy of Health Card
• Original investigation reports
• Final hospital discharge summary
• FIR or post-mortem report it happened
• Pharmacy bills along with the prescription
• Original bills, receipts, and discharge report
• Indoor case papers and duly filled claim form
• Original hospital bills and a valid photo ID proof
• Treating doctor's report, and original consultation notes
• Nature of operation performed and surgeon's bill and receipt
• Test reports along with attending doctor’s or surgeon’s report
• A copy of the identification card of the patient & PAN card of the insured individual
• Canceled Cheque – CTS 2010 format or scanned copy of the 1st page of the passbook or bank statement

The Incurred Claims Ratio or ICR is an indication of how well a particular health insurance company is. With it, you can make an informed decision about a health insurance policy. The higher the ICR, the better. Currently, Reliance General insurance claim settlement ratio is 94%, which means the insurer is good to take a policy from.