Reliance General Insurance - Compare plans, reviews & renew online

Reliance General Insurance was established in the year 2000 and has been providing good quality services in the insurance sector. They offer health insurance products apart from life, motor and travel insurance.

 

Features & Benefits of Reliance General Health Insurance

• Affordable: The premium rates offered by Reliance are not very expensive and still provide good coverage to all health ailments. The plans also come with a host of benefits.
• Family coverage: Reliance offers a wide range of good family plans where as many as 4 members can be included in a single plan.
• Life long plans: All health insurance plans issued by Reliance come with a lifelong renewability option, thereby providing customers the benefit of lifelong coverage without any hassles.
• Cashless claim services: Reliance provides customers the benefit of availing cashless claim services across the country in an easy and convenient manner.
• Comprehensive plans: The plans issued by Reliance General Health Insurance provide extensive coverage and comes with a set of benefits. Not just this, there are many sum insured options that the customer can choose from as per budget specifications.
• Online renewal: Say goodbye to standing in queues or getting stuck in traffic. You do not have to physically be present at the branch office to renew the insurance policy at hand. All you need to do is log on to their website and follow the few simple steps to renew the policy.
• A wide range of add-ons: The insurance policies issued by Reliance General Health Insurance come with a wide range of add-on options that help buyers customize their plans as per their personal needs and preferences.
• 24/7 customer support team: Be it any time of the day or night, a dedicated and well-trained customer support team is always just a phone call away to solve queries, answer claim-related questions, help with purchase, renewal and other such issues that may arise.

Plans provided by Reliance General Health Insurance

Reliance HealthGain Policy

The Reliance HealthGain Policy provides a wide range of coverage options and additional benefits for both individuals and families.

Unique Features of Reliance HealthGain Policy

• Coverage for hospitalization related expenses, pre, and post-hospitalization, donor expenses, in-patient treatment, daycare expenses, domiciliary hospitalization
• Cumulative bonus, reinstatement of sum insured
• Tax benefit, lifelong renewal
• Double cover benefit, wellness program, portability, cover for extended family
• Cashless claim network, reimbursement claims

Plan Details

Policy term	1 or 2 years
Entry Age	Up to 65 years
Plan Basis	Individual and Family
Sum Insured Range	Plan A Min: Rs.3 lakh Max: Rs.9 lakh Plan B Up to Rs.18 lakh
Premium	Depends on age, sum insured, etx
Medical Screening	Plan A Must for those above 45years Plan B Must for those above 18 years
Co-Payment	As mentioned in the policy document
Waiting Period	Yes
No Claim Bonus	Yes
Discounts	5% for girl child or single women, 5 to 10 % family discount

Critical Illness Insurance Policy

The Critical Illness Insurance Policy provides coverage to as many as 10 specified illnesses and comes with a wide range of add-on options.

Unique Features of Critical Illness Insurance Policy

• Policyholders will be eligible to receive a lump sum upon the diagnosis of a specified illness
• A total of 10 serious ailments are covered under the critical illness plan
• Income tax benefit can be availed
• Cashless claim networks
• Reimbursement claims
• All hospitalization and surgery-related expenses will be covered

Plan Details

Policy term	1 or 3
Entry Age	18 to 65 years
Plan Basis	Individual and Family
Sum Insured Range	Rs.5 lakh, Rs.7 lakh or Rs.10 lakh
Premium	Depends on age, sum insured, etc
Medical Screening	Must for those above 45 years
Co-Payment	As mentioned in policy document
Waiting Period	Yes
No Claim Bonus	Yes

Personal Accident Cover

The Personal Accident Cover policy is a shield against any unfortunate mishaps and provides coverage to the injured/succumbed and loved ones.

Unique Features of Personal Accident Cover

• Education for children taken care of in case of death
• Coverage for disability and death due to accident
• Also covered are partial disabilities, medical expenses
• International coverage
• Funeral expenses

Plan Details

Policy term	As mentioned in the policy document
Entry Age	5 to 70 years
Plan Basis	Individual and Family
Sum Insured Range	Up to Rs.20 lakh
Premium	As mentioned in the policy document
Medical Screening	As mentioned in the policy document
Co-Payment	As mentioned in the policy document
Waiting Period	As mentioned in the policy document
No Claim Bonus	Yes

Checklist before Buying Reliance General Health Insurance

• Finalize the sum insured according to the coverages available
• Choose the right plan as per personal and family health needs
• Check the claim settlement ratio
• Reads the policy document thoroughly
• Take a look at the exclusions

Documents Required for Purchasing Reliance General Health Insurance

• Id proof
• Address proof
• Medical certificates

Reasons to choose Reliance General Health Insurance

Comprehensive plans

Good coverage

Wide range of benefits

Hassle-free claim settlement

Incurred Claim Ratio of Reliance General Health Insurance

The incurred claim ratio refers to the total number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

Year	Incurred Claim Ratio
2016-17	98.49% /td>

Extra Benefits from Reliance General Health Insurance

Grievance Redressal

All complaints and grievances of customers are addressed through the grievance redressal mechanism

Reliance General Health Insurance Renewal

All Reliance insurance policies can be renewed online through the website in a quick, easy and efficient manner.

Reliance General Health Insurance Network Hospitals for Cashless Treatment

Reliance has a wide network of empanelled hospitals for customers to get treatment. To locate the closest network hospital, log on to the website and click on the ‘Hospital Locator’ option.

Claim Procedure in Reliance General Health Insurance

Cashless claim:

• Inform the insurance provider immediately
• Seek prior approval, provide health card
• Bills will be paid by the insurance company directly to the network hospital

Reimbursement claim:

• Fill claim form
• Bills, invoices, and discharge summary should be kept ready
• Submit the relevant documents along with the claim form
• Reimbursements will be made within 7 working days

Terms and Conditions of the Insurer

• The insurance provider has the right to withdraw the policy at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
• Incomplete claim forms will not be processed
• All claim should be made within the stipulated time period mentioned in the policy document
• Claims cannot be made for any exclusions