Robinhood Insurance Broker Private Limited


Product Overview

Reliance Health Gain Insurance Plan is a smart plan that covers inpatient hospitalization expenses and offers cashless hospitalization at more than 4000 preferred hospitals. The policy offers discounts for girl child/ single women, and offers Wellness services such as free health check up and discounts from chemists.

Unique Features of Reliance Health Gain Plan

  • Restoration of the Sum Insured is available for unrelated illness once in a policy year.
  • Sum insured doubles on 3 claim free years
  • Addittional accident death cover on No claim renewal
  • Free extension of policy for one year on identification of any critical illiness.(Available In Plan B)
  • Pre-Hospitalisation-60 days/Post-Hospitalisation-60 days
  • Pre Existing Disease covered after 3 years
  • Call Option available after every 4 claim free years.

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Critical features of Reliance Health Gain Plan

  • Room rent:
    Limits imposed towards room and ICU rent expenses
    Single private room for all sum insured.
  • Co-Pay:
    Specific % of admissible claim amount to be borne by Insured
    20% is applicable for individuals who are 61 years at entry level. In Floater policy 20% is applicable for all members if the eldest member is 61 years and above at entry level.
  • No Claim Bonus:
    Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
    33.3 % of Basic Sum Insured up to a maximum of 100% for each unclaimed year in case opted for .(33.3 % will be reduced on claim)
  • Pre-Existing Diseases:
    Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
    This plans has a waiting period of 3 years for pre-existing diseases

Eligibility Criteria

  • Minimum Age of Entry:- Individual/Floater-5 years or above, Children between 91 days & up to 4 years can be covered under a floater with atleast 1 member age 21 & above
  • Maximum age of Entry:- 65 years, No entry age bar for sum insured of 3 lakhs
  • Renewal Age:- Life Long Renewal
  • Sum Insured:-
    Plan A - 3 Lakhs, 6 Lakhs, 9 Lakhs
    Plan B - 12 Lakhs, 15 Lakhs, 18 Lakhs
  • Policy Tenure:- 1 & 2 years
  • Family Definition:-
    Individual - Self, Spouse, Children, Parent, Siblings, Parent-in-laws, Grandparents & Grandchildren
    Family Floater - Self, Spouse, Dependant Children & Dependant Parents
  • Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)

Additional Discounts

  • 5% premium discount for girl child or single women
  • 5% family discount with an Individual policy
  • 5% premium discount for Reliance private package customers policy


  • Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
  • Treatment received outside India or Robotic or Stem Cells surgery
  • War / nuclear / chemical / biological injuries
  • Diseases such as HIV / AIDS or STDs
  • Diseases existing from the time of birth (Congenital diseases)
  • Maternity, Fertility excluding ectopic pregnancy
  • Cost of spectacles, contact lenses and hearing aids
  • Dental treatment & surgery
  • Treatment of mental illness
  • Cosmetic, Aesthetic treatment
  • Non Allopathic, Out Patient treatment
  • Unproven/ Experimental treatments
  • Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations


Note: Any claims arising out of or attributable to any of the following is not covered,Please refer policy T & C for detailed list of exclusions.

Tax Benefits

When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

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