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About Reliance Health Insurance

Reliance General Insurance Company is a part of one of the leading conglomerates of India – Reliance Anil Dhirubhai Ambani Group. The company was founded in the year 2000 when private insurance companies were allowed in the market. Ever since it was founded, the company has been providing general insurance solutions to individuals, organisations as well as the small and medium sector enterprises.


Health insurance plans are one of the general insurance products sold by Reliance. Other products include car insurance, two-wheeler insurance, travel insurance and commercial insurance plans. Health insurance plans offered by Reliance General are quite popular as they provide good coverage at affordable premiums. Moreover, as health insurance policies help in taking care of your medical bills, they are also in demand.

Reliance Claim Settlement Ratio

98%

Reliance

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Reliance has a claim settlement ratio of 98%, as compared to the industry average of 94.21%.

Reliance Health Insurance Plans Overview

Reliance health insurance offers 4 health insurance plans. The premium of these plans starts from Rs. 3428/yr. The sum insured ranges from Rs. 1 Lakh - 5 Cr. Details of the comprehensive coverage provided by the following 4 Reliance health insurance plans are listed below:

Reliance Health Gain Policy

Starting Premium- 3,428/Yr

Eligible Age

91 days - 65 years

Coverage

3 Lakh - 1 Cr

Reliance Health Infinity Policy

Starting Premium- NA

Eligible Age

91 days - 65 years

Coverage

5 Lakh - 5 Cr

Reliance Health Wise Policy

Starting Premium- NA

Eligible Age

91 days - 65 years

Coverage

1 Lakh - 5 Lakh

Top Features From Reliance Health Plans

Features and benefits of Reliance General’s health insurance plans:

  • The company offers both indemnity health plans as well as fixed benefit plans. While indemnity plans pay the actual medical costs suffered, fixed benefit plans pay a lump sum benefit irrespective of the costs incurred
  • Wellness benefits are offered under the company’s health insurance plans which let you track your health and live a healthy life
  • Premium discounts are offered if a girl child is covered under the health insurance plans
  • Discount coupons and vouchers are offered which can be used at specified wellness centres
  • The health insurance premiums qualify as a deduction under Section 80D up to INR 25,000. If you also cover your senior citizen parents and pay their premiums, you can claim an additional deduction of up to INR 50,000
  • The company offers a claim settlement guarantee. If you have submitted all the documents of the claim and the claim is not settled within 6 hours, the company would pay an interest of 1% of the claim amount for delay of every 6 business hours

Exclusions Across Reliance Health Plans

Exclusions of Reliance HealthWise Plan:

  • Illnesses like cataract, fibromyoma, fistula, piles, hysterectomy, etc. are not covered in the first policy year
  • Under the Standard Plan variant, pre-existing illnesses are not covered in the first 4 policy years. However, under the other two plan variants of Gold and Silver, pre-existing illnesses are not covered for the first 2 years
  • Illnesses suffered within 30 days of buying the policy are not covered
  • Maternity related treatments and costs of childbirth are not covered
  • HIV, AIDS or any other sexually transmitted ailments are not covered
  • Costs of spectacles, lenses or hearing aids are not covered
  • Treatments due to war, nuclear contamination and related perils are not covered
  • Congenital illnesses are not covered

Exclusions of Reliance Critical Illness Insurance Plan:

  • Pre-existing illnesses or diseases are not covered
  • HIV, AIDS or STDs are not covered
  • Illnesses within 3 months of buying the policy would not be covered*Illnesses due to pregnancy, war, nuclear threats, breach of law, alcohol usage or smoking, attempted suicide, etc. would not be covered
  • Cosmetic treatments and surgeries are not covered
  • If the insured dies within 30 days of diagnosis of the illness, claim would not be paid
  • If the diagnosis is not done by a recognized medical practitioner or if it is not scientifically recognised, claim would not be admissible

Exclusions of Reliance Personal Accident policy:

  • Any type of claims after a claim has already been paid
  • Claims for similar disabilities
  • Claims more than the sum insured
  • Attempted suicide, criminal acts, sexually transmitted diseases, HIV, AIDS, etc.
  • Accidents suffered when you are under the influence of alcohol or drugs
  • Maternity and its related complications
  • Natural death

Reliance Premium Calculator

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Premium Calculator

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Reliance Customer Care

Customer Care Number

Reliance Claim Process

Reliance supports both cashless claims and reimbursement claims. This section covers the information on how to check Reliance health insurance claim status, fill Reliance health insurance claim form, and the claim settlement process.

  1. Once you seek treatment at a networked hospital, contact the hospital’s TPA (Third Party Administrator) desk and fill out a pre-authorization form
  2. The pre-authorization claim form should be filled and submitted within 24 hours of emergency hospitalisation. In case of planned hospitalisations, however, the form should be submitted at least 3-4 days in advance.
  3. Submit the form with a copy of your health card which has been issued by Reliance with your health insurance policy.
  4. The form would then be sent to the insurance company which would assess it and approve the claim.
  5. Once the claim is approved, the insurance company would settle the hospital bills directly with the hospital.
  6. You should leave your Discharge Summary and all the relevant hospital reports and bills with the hospital for submitting them with your health insurance claim. You can keep a photocopy of all the documents for your records.
  7. Another alternative to get your health insurance claim easily settled is through Turtlemint. Turtlemint offers you complete claim assistance without you having to undertake any hassles. You just have to inform Turtlemint’s claim handling department about your health insurance claim and your work is done. Turtlemint, then, coordinates with the insurance company and helps in getting your claims settled at the earliest. To inform Turtlemint of a claim, you can dial their toll-free number which is 1800 266 0101. You can, alternatively, send an email at claims@turtlemint.com to intimate about your claim. Once intimated, Turtlemint would handle your claim and you can relax.

  1. For reimbursement claims, you have to pay the hospital bills yourself.*When you are discharged from the hospital, collect all the original medical bills and reports along with your Discharge Summary
  2. Submit your claim with Reliance on all the original medical bills and reports. The company would assess the submitted documents and reimburse you for the medical costs that you incurred
  3. Another alternative to get your health insurance claim easily settled is through Turtlemint. Turtlemint offers you complete claim assistance without you having to undertake any hassles. You just have to inform Turtlemint’s claim handling department about your health insurance claim and your work is done. Turtlemint, then, coordinates with the insurance company and helps in getting your claims settled at the earliest. To inform Turtlemint of a claim, you can dial their toll-free number which is 1800 266 0101. You can, alternatively, send an email at claims@turtlemint.com to intimate about your claim. Once intimated, Turtlemint would handle your claim and you can relax

Reliance Health Insurance Renewal Process

Reliance Health Insurance Online Renewal Process

Step 1: Visit the Official Website: Access Reliance General Insurance's website and select ‘Renewal’

Step 2: Select Your Reliance Health Insurance Policy you wish to renew

Step 3: You can proceed with renewal either with your mobile number or policy number

Step 4: Confirm 'Existing Policy with Reliance?': Indicate that you have an existing policy with Reliance

Step 5: Enter your Mobile/Policy Number, accept the terms, and click 'Renew Policy'

Step 6: Make Payment: Review your policy details and pay the renewal premium

Step 7: Receive Confirmation: Upon successful payment, you'll receive a confirmation email

Reliance Health Insurance Offline Renewal Process

For offline renewal, you have two options:

Contact Reliance: Call Reliance General Insurance's helpline number 022-48903009 for any assistance and in case you are an existing Reliance customer then contact at 022-4890 2009

Visit a Branch: Renew your policy in person at the nearest Reliance branch
They also have a self-help corner here for help with any other queries

Turtlemint also allows for an easy and instant policy renewal. Reach out to the nearest Turtlemint expert insurance advisor at www.turtlemint.com or renew your Reliance Health Plan by downloading the Turtlemint App here

FAQs

Yes, you can buy as many health insurance plans that you want. However, when you buy another plan, mention the details of the earlier plan as well

In the case of multiple policies, you can make your health insurance claim under any policy that you want. However, if one policy is insufficient to cover the claim and you are utilising the other policy that you have, make sure to submit all the attested copies of the medical bills and reports to the second insurance company. Inform the second company of the previous claim so that the company would accept the attested photocopies of the documents required and settle your claims based on them

Yes, many health insurance plans allow coverage for dependent parents under a family floater plan. Reliance’s HealthGain allows dependent parents to be covered. However, under HealthWise, coverage for dependent parents is not allowed. You should check the plan to see if it would allow coverage for your dependent parents under its floater variant

No, a critical illness policy covers specified critical illnesses only. Thus, you will be able to claim if you happen to suffer from any of the mentioned critical illnesses

Health insurance premiums are allowed as a deduction under Section 80D. You can claim a maximum deduction of up to INR 25,000 if you buy a policy for yourself and your family. If you are a senior citizen, the limit increases to INR 50,000. Moreover, an additional deduction can be claimed if you are buying a separate policy for your dependent parents. If you are buying a separate policy for your parents and paying the premium, you can claim an additional deduction of up to INR 25,000. If your parents are senior citizens, the limit increases to INR 50,000. So, you can claim deductions of up to INR 1 lakh if you and your parents are senior citizens and you buy separate policies for yourself and your parents.
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