Reliance Health Gain Plan

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.

Features of edit Edit Details

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

Exclusions

• 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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