Reliance General Insurance

A leading private insurance company in India, in 2015, Reliance General Insurance was awarded the ‘General Insurance Company of the year’ at the Indian Insurance Awards. Reliance General Insurance deals with motor insurance, travel insurance, health insurance, home insurance, business insurance, etc.  

Popular Insurance Products Offered by Reliance General Insurance Company

Reliance General Insurance Motor Insurance Policies 

Reliance General Insurance offers motor insurance policies for two-wheelers and four-wheelers:  

• Reliance Car Insurance Policy 

Reliance General Insurance offers comprehensive car insurance policies that come with the own damage cover and the long-term third-party liability cover. In addition, policyholders can choose to purchase add-on covers to enhance their protection. Policyholders can also choose to purchase a standalone long-term third-party insurance policy that is valid for a period of 3 years.  

• Reliance Two-wheeler Insurance Policy 

Two-wheeler vehicle owners can choose a comprehensive two-wheeler insurance policy or opt for the standalone long-term third-party liability cover. The two-wheeler long-term third-party liability cover is valid for a period of 5 years and offers policyholders protection against financial losses for damage caused to the property of the third-party. The comprehensive two-wheeler insurance policy comes with the own damage cover as well, and the long-term third-party liability cover. Here too, two-wheeler vehicle owners can opt for add-on covers to enhance their protection.  

Reliance General Insurance Travel Insurance Policies 

Listed below are 3 popular travel insurance plans offered by Reliance General Insurance:  

• International Travel Insurance Policy 

The International Travel Insurance Plan offered by Reliance General Insurance comes with 4 types of plans – the Standard Plan, Silver Plan, Gold Plan and the Platinum Plan. Coverage for emergency medical expenses while the policyholder is abroad ranges between $50,000 and $500,000. 

• Schengen Travel Insurance Policy 

Designed for those travelling to Schengen countries, the Schengen Travel Insurance Policy has 2 plans – Basic Plan and the Standard Plan. With the aforementioned plans, policyholders are financially covered in case of a medical emergency following an accident, expenses to get a duplicate passport, and coverage in the case of loss of baggage, etc.  

• Annual Multi-Trip Travel Insurance Policy 

As the name suggests, this travel insurance policy is valid for a year and saves the policyholders from the hassle of buying a travel insurance policy every time he/she travels abroad. There are 3 types of plans under this policy – Elite Plan, Plus Plan and the Standard Plan. Under the aforementioned plans, policyholders are granted a sum assured for medical expenses between $100,000 and $500,000. The policy also offers coverage if the policyholder’s checked-in luggage is lost or delayed in transit, in the case of emergency hospitalisation, emergency evacuation, etc.  

Reliance General Insurance Health Insurance Policies 

Listed below are 3 popular health insurance policies offered by Reliance General Insurance:  

• HealthGain Health Insurance 

An individual and family floater health insurance policy, the HelathGain Health Insurance plan offers coverage for pre-hospitalisation and post-hospitalisation up to 60 days, ambulance expenses up to Rs.1,500, and donor expenses up to 50% of the sum assured up to a maximum of Rs.5 lakh.  

• Reliance HealthWise Insurance Policy 

The Reliance HealthWise Insurance Policy comes with 3 plan options – the Standard Plan, Silver Plan and the Gold Plan. The policy offers coverage for hospitalisation expenses, nursing expenses, ambulance expenses and expenses of the person accompanying of the policyholder for a maximum of 5 days. However, the policy does not offer coverage for HIV/AIDS related treatments, medical conditions that arise from abuse of alcohol or drugs, vaccination expenses, and hospitalisation caused due to nuclear war or war in general.  

• Critical Illness Insurance policy 

This policy offers coverage for 10 critical illnesses, and policyholders can choose a policy tenure between 1-3 years. No medical test is required to purchase the policy and a lump sum payout is granted if the policyholder is diagnosed with a critical illness. To be eligible for the plan, the policyholder has to be a minimum of 18 years old. The policyholder can choose a sum assured of Rs.3 lakh, Rs.5 lakh or Rs.10 lakh.  

Reliance General Insurance Home Insurance Policies 

Reliance General Insurance offers 2 types of home insurance policies – Structure Protection and Content Protection:  

• Home Insurance - Structure Protection 

The Structure Protection Policy offered by Reliance General Insurance offers financial protection to the policyholder if his/her house is damaged following a fire, earthquake, storm, flood, hurricane, etc. That said, the plan does not offer coverage if the house is damaged due to any sort of consequential loss, war, volcanic eruption, etc.  

• Home Insurance – Content Protection 

As the name clearly indicates, the Content Protection policy offered by Reliance General Insurance offers assurance to the household goods, appliances, jewelry, etc., of the policyholder if the house catches fire or is damaged following an accident, natural disaster, etc. In addition, the policy offers protection if the contents in the house are burgled, and the plan comes with personal accident coverage for the policyholder and his/her spouse if they are injured, disabled or die in the house due to an accident, natural calamity, etc.  

Reliance Marine Cargo Insurance Policy 

This insurance policy offers coverage if the shipment or cargo is damaged while being transported by rail, road or by air. The policy comes with the benefit of worldwide claim assistance, customised covers for the business, and coverage if the cargo is damaged following a riot, strike, etc.  

Reliance Group Insurance 

Companies and organisations can opt for the Group Mediclaim Insurance policy offered by Reliance General Insurance. At affordable premiums, employees will be covered for hospitalisation expenses, and they can avail the cashless claim settlement facility at all the network hospitals of Reliance General Insurance. The policy also offers coverage for maternity treatments, pre-existing diseases and day care treatments.  

 On the website of Reliance General Insurance, customers can choose an insurance policy based on their need and make the payment for the premium using their credit card/debit card or via their net banking account. In addition, existing policyholders can renew their premiums and if the customer or policyholder wishes to connect with the customer support team of Reliance General Insurance, he/she can opt for the call-back service on the website of the insurer.