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    Reliance General Insurance

    Car Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    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

    Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max) Policy Term
    Reliance HealthGain Policy Individual and Family
    Plan A Min: Rs.3 lakh Max: Rs.9 lakh
    Plan B Up to 18 lakh
    1 or 2
    Critical Illness Individual and Family Rs.5 lakh, Rs.7 lakh or Rs.10 lakh 1 or 3
    Personal Accident Individual and Family Up to Rs.20 lakh As mentioned in the policy document

    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

    Reliance General Insurance Reviews

    • Reliance General Health Insurance
      "Satisfied Health Insurance"
      0.5 4.0/5 "Great!"
      I have the taken this Reliance health insurance policy for my family. I closed the policy actually. I don't have any claim experience so far. Overall, It was a Satisfied experience with the reliance. I will recommend reliance policy to everyone.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 17, 2018
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