Reliance Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 98.6%
PED Coverage
Covered after 1 Year
Save Tax Under
Section 80D

About Reliance Health Insurance

Reliance Health Insurance, a division of Reliance General Insurance Company Limited, is a trusted name in the realm of health insurance in India. As part of the Reliance Anil Dhirubhai Ambani Group and wholly-owned by Reliance Capital, Reliance Health Insurance offers a wide range of comprehensive health insurance products designed to meet the diverse needs of individuals, families, and groups.

With a focus on providing affordable and accessible healthcare coverage, Reliance Health Insurance aims to protect policyholders against medical expenses incurred due to illnesses, accidents, hospitalizations, and more. The company's commitment to innovation and customer satisfaction is reflected in its range of health insurance plans, which include individual plans, family floater plans, critical illness coverage, and group mediclaim policies.

Reliance Health Insurance is supported by a vast network of offices and intermediaries across the country, ensuring prompt and efficient customer service. By prioritizing the well-being and financial security of its policyholders, Reliance Health Insurance continues to be a reliable choice for those seeking reliable and comprehensive health insurance coverage.

Reliance Health Insurance Plans Summary

Reliance General Insurance provides a range of health insurance plans to cater to the diverse needs of its customers. Here are the top 5 health insurance policies offered by Reliance General Health Insurance:
Reliance HealthWise Insurance Policy: Designed as a family healthcare policy, it covers individuals with a family of up to four members, including self, spouse, and dependent children. The plan offers three variants: Standard, Silver, and Gold. Sum insured options range from Rs. 1 lakh to Rs. 5 lakh, and the entry age varies from 3 months to 65 years, with lifelong renewal. Key benefits include in-patient treatment, day care procedures, domiciliary hospitalization, health check-ups, and critical illness treatment.

Reliance HealthGain Insurance Policy: This comprehensive plan offers healthcare protection for individuals and families under a single sum insured. With a range of sum insured options from Rs. 3 lakh to Rs. 18 lakh, the plan covers individuals from 3 months to 65 years with lifelong renewability. Features include in-patient treatment, pre and post-hospitalization costs, donor expenses, day care procedures, and a cumulative bonus with a 33.3% increase in sum insured for every claim-free year, up to 100%.

Reliance Health Infinity Insurance Policy: This plan provides coverage for medical expenses incurred during hospitalization for injuries or illnesses, both in India and abroad. It offers innovative features such as MoreCover for extra sum insured, MoreTime for extended policy term, and MoreGlobal for medical coverage abroad. Sum insured options range from Rs. 3 lakh to Rs. 1 crore. The policy covers individuals from 3 months to lifelong with constant renewals. Salient offerings include in-patient treatment, day care treatment, restore benefit, organ donor cover, and AYUSH benefit.

Reliance Critical Illness Insurance Policy: This policy offers financial assistance through a lump sum amount or fixed compensation for the treatment of 10 critical illnesses, including cancer, bone marrow transplant, kidney failure, and open-heart surgery. Sum insured options range from Rs. 5 lakh to Rs. 20 lakh. The minimum entry age is 18 years, and the maximum entry age is 65 years, with lifelong renewability.

Reliance Arogya Sanjeevani Insurance Policy: This simple and affordable health insurance plan is available for individuals and families. Sum insured options range from Rs. 1 lakh to Rs. 5 lakh. The plan can be availed by individuals between the ages of 18 and 65 as proposers, with no maximum cover ceasing age on continuous renewals. Coverage benefits include in-patient hospitalization, AYUSH treatment, cataract treatment, day care procedures, and emergency ambulance cover.

Reliance General Insurance offers a variety of health insurance plans, ensuring individuals and families have access to comprehensive coverage that suits their needs.

Network Hospital

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Why Choose Reliance Health Insurance?

Reliance General Insurance offers a wide range of benefits and services to its customers. Here are some of them:

  • Video Chat Customer Support: The insurer's experts are available for video chat support between 9:30 am to 6:30 pm, Monday to Saturday. This feature enhances transparency and enables direct communication between customers and the insurer's team.
  • Instant Policy Issuance: The insurance provider ensures that customers receive their health insurance policy within 10 seconds, providing quick relief and satisfaction.
  • 24/7 Claim Assistance: Reliance General Insurance offers round-the-clock claim assistance to its policyholders. Customers can connect with the claim assistance team at any time they need support.
  • Awards and Recognitions: Reliance General Health Insurance has received several awards and recognition for its exceptional services, including the KamiKaze Awards 2019, ETEdge Award 2019, Digital Transformation Awards 2019, and ET Now BFSI Awards, among others. These accolades highlight the insurer's commitment to excellence in service.

Reliance General Insurance is dedicated to delivering a seamless customer experience, offering prompt policy issuance, continuous claim assistance, video chat support, and being recognized for its outstanding services in the industry.

Key Benefits of Reliance Health Insurance

Reliance General Health Insurance offers significant health insurance benefits through its health insurance plans. Here are the key benefits:

  • Lifelong Renewability: Policyholders can enjoy the benefit of lifelong renewability, allowing them to stay associated with the health insurance plan and continue availing its benefits throughout their lifetime. The policy can be continuously renewed without any breaks, ensuring uninterrupted coverage.
  • Auto-Refill of Sum Insured: In case policyholders exhaust their base sum insured during the policy period, Reliance General Health Insurance automatically restores the sum insured. This feature provides valuable support and peace of mind during medical emergencies.
  • Portability Option: Reliance General Health Insurance provides a portability option, allowing policyholders to switch their existing health insurance plans to similar plans offered by the company. This option ensures a smooth transition without losing the current benefits of their health insurance coverage.

These benefits offered by Reliance General Health Insurance enhance the overall value and flexibility of the health insurance plans, providing policyholders with the reassurance and convenience they need for their healthcare needs.

Reliance Health Claim Settlement Rati

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.

As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for Reliance Health Insurance in the last two financial years:

Financial Year | Claim Settlement Ratio

FY 2018-2019 | 72.20%
FY 2019-2020 | 76.43%

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. Reliance Health Insurance stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

Reliance Health Claim Process

Reliance General Health Insurance offers two types of claim processes: cashless claim and reimbursement claim.

Cashless Claim Process

Step 1: Intimate the Insurer
Contact Reliance General Insurance at least 48 hours before planned hospitalization or within 24 hours of emergency hospitalization. Call 1800-3009 to inform the insurer about the admission.

Step 2: Pre-Authorization Request
Visit the insurance helpdesk at the network hospital and provide your Reliance Health card, photo ID, and medical reports. Fill and sign the 'Claim Request Form' obtained from the helpdesk and submit it. The hospital will share the necessary details with the insurer.

Step 3: Verification of Documents
Reliance General Insurance's claim settlement team will examine the submitted documents and information. They will ensure that all relevant details are provided for authorization.

Step 4: Claim Approval
If the claim settlement team finds any inadequacies in the submitted documents, they may request additional information. In case of insufficient or false bills or documents, the claim request may be rejected. In such cases, policyholders can pay the medical bills and later submit the claim documents for reimbursement.

Step 5: Settlement of Claim
If the claim settlement team approves the claim, they will coordinate directly with the network hospital and pay the admissible claim amount after the insured patient is discharged.

Reimbursement Claim Process

Step 1: Avail Medical Treatment
Receive medical treatment at a non-network hospital and make the complete payment for the hospital bills. Collect all original medical documents, forms, bills, and certificates signed by the attending doctors.

Step 2: Submit Required Documents
Complete and sign the claim request form and submit it along with the necessary documents to Reliance General Health Insurance. All required claim documents as listed in the policy terms must be submitted within 30 days from the date of discharge.

Required Documents for Reimbursement Claim with Reliance General Health Insurance:

  • Completed and signed claim form (original)
  • Referral letter from the doctor recommending hospitalization
  • Doctor's prescription for drugs, tests, and consultations
  • Original bills, receipts, and discharge card from the hospital or doctor
  • Original bills from pharmacies or chemists
  • Original pathology or diagnostic test reports and payment receipts
  • Ambulance receipt and bill
  • First Information Report or Policy Final Report (if applicable)
  • Post Mortem Report (if available)
  • Final hospital bill and payment receipt

Step 3: Verification of Documents
Reliance General Health Insurance's claim settlement team will verify the claim form and medical documents provided. If any information is found insufficient, they may request additional details or documents. The claim request may be rejected if deemed necessary.

Step 4: Settlement of Claim
Upon approval of the claim request, the claim settlement team will reimburse the admissible amount after deducting co-payments, sub-limits, and other relevant deductions to the policyholder.

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  • Customer Reviews and Ratings: features customer reviews and ratings, allowing users to gain insights from the experiences of others when choosing insurance options.
  • Streamlined Claims Process: In the event of a claim, aims to provide a streamlined and efficient claims process, ensuring customers receive the support and assistance they need during difficult times.
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Reliance Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 98.6%
PED Coverage
Covered after 1 Year
Save Tax Under
Section 80D
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