Reliance HealthWise Health Insurance
Cashless Approval TAT | 4 hour Cashless Claim Processing |
Claim Settlement | 100% |
Network Hospitals | 8,600+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | More Cover, More time, More Global |
Starting Premium for Rs. 5 lakhs coverage | Rs. 243/month |
About Reliance HealthWise Health Insurance
Seeing family members healthy is a priority for all of us. To ensure this we try out everything possible. However, despite making regular efforts people still fall ill or meet with an accident. On this note, Reliance has launched a medical insurance plan called HealthWise, which ensures that you don’t have to spend all your hard-earned money on some unforeseen circumstances. It offers financial support to cope-up with the spiraling cost of healthcare. The plan determines to take care of people within an age group of 3 months and 65 years.
The Reliance HealthWise Plan is available in three variants such as Standard Plan, Silver Plan and Gold Plan. The sum insured of all these variants together ranges from Rs. 1 Lakh to Rs. 5 Lakh. This complete family healthcare policy is stuffed with multiple beneficial features such as coverage of hospitalisation expenses, daycare treatment, domiciliary hospitalisation, pre and post hospitalisation costs, cost of health check-up and so on. In addition to these direct benefits, the plan owns some other benefits too such as premium discount for girl child coverage, renewal discounts, no pre-medical test required for up to 45 years of age and so on.
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Key Inclusions and Exclusions of the Plan
What's Included
- Inpatient hospitalisation expenses
- Cost of health check up is offered
- Organ donor expenses are covered
- Daycare treatment costs are provided
- Pre and post hospitalisation costs for certain specified periods
What's Not Included
- Treatments during pregnancy or childbirth
- Costs of spectacles, hearing aids and so on
- An expense incurred on treatment of obesity etc.
- Treatments of injuries occurred due to war, etc.
- Disease contracted during the first 30 days of policy
9120 Reliance Cashless Network Hospitals in India
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Reliance HealthWise Expert Review
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Major Attractions
The HealthWise Policy tends to provide every possible coverage to its policyholders. Although, customers above the age of 45 are required to undergo a medical examination to get covered under this health insurance plan, still this plan stays to become the centre of attraction among other plans of other brands. Here are a few components of the plan which makes it a worthwhile product:
- Pre and post hospitalisation cost cover
- No room rent capping is available
- Local road ambulance fare is covered
- Availability of critical illness coverage
- Coverage for hospitalisation expenses
- Cover for daycare procedure is available
- A cover is offered related to domiciliary hospitalisation
- Cost incurred on the health check-up program is covered
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What’s More?
The HealthWise Policy owns a lot more than its coverage features. These additional coverage elements enhance its value before the customers and make them stick them to the plan. Here are some of those benefits:
- Renewal discounts are provided
- Premium discount for girl child is given
- Availability of lifelong renewability option
- No medical test required up to the age of 45 years
- Tax benefits can be gained on the amount of premium paid under the policy
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Conclusion
The plan is framed with a holistic approach and fulfils every possible need of a customer. When it comes to a search for a health plan, this HealthWise Policy could be a perfect choice to opt for, while selecting a health insurance plan for an individual or a family. It’s list of benefits and the affordable price never fails to disappoint the policyholders.
Buy this plan from insurancedekho.com and experience a simple and hassle-free purchase process. The team of InsuranceDekho will provide you the policy with the commitment to claim settlement process and dedicated support for common inquiries.
Claim Process at Reliance Health Insurance
FAQs on HealthWise Health Insurance Plan
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What is the entry age criteria under this health insurance policy?
The minimum entry age under this plan is 3 months and extends to the age of 65 years.
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Does this plan offer the coverage for daycare treatments?
Yes, this plan offers coverage for medical expenses towards daycare treatments/surgeries, where 24 hours of hospitalisation is not needed.
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Is there any need for undergoing a medical test to get this HealthWise Policy?
Yes, medical tests are required for people above the age of 45 years to get the coverage under this plan.
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Can I gain any discount under this health insurance plan?
Yes, this plan offers a renewal discount under which for every claim-free renewal you can get a discount of 5% of the premium. This discount is applicable up to 4 continuous claim-free years i.e., a maximum of 20%. Also, a 7% discount is offered on covering two daughters in a 2 adult and 2 kids policy while 4% is provided if one daughter is covered under 2 adult+ 2 kids or 2 adult+1 kid policy.