​Your health insurance premium is calculated on following parameters: You may register a claim by calling our Helpline numbers.Paid Number: ​+91 22 48903009​. With our health plan, you will get coverage for the ambulance, health check-up, day-care surgeries, and vaccination. Reliance Health Insurance offers no capping policy, where a person can take a room in the hospital at any cost and the company will bear it. In such a case, we at Reliance General Insurance come with a plan called health infinity plan. The coverage provided is also amazing! You will get a tax benefit of Rs 50,000/- on the premium paid if you insure your parents that are more than 60 years old. This plan, called Corona Kavach for individual and family-specific needs, has been offered to health insurance firms. For any planned hospitalisation, inform us at least 48 hours prior to the admission into a hospital. Reliance HMO Individual Plans. We will co-ordinate the appointment with our empanelled doctor or diagnostic centre through our appointed RCARE (In-house). This plan covers specific critical illnesses which can either be lifestyle disabling or it can be life-threatening. For any emergency hospitalisation, inform us within 24 hours of the admission into a hospital. However, the cumulative bonus can be accumulated equal to the amount of base sum insured. Didn’t know the importance of health insurance until something unfortunate happened to my friend. Please note that either of the discounts mentioned in pointsc or d shall be applicable but not both. ​Corona Kavach Policy, Reliance General is an affordable Health Insurance policy that protects you and your family against hospitalization expenses due to COVID-19. As time passes by, our immune system weakens, and we might need a cover of a greater sum insured. Gone are the days when there was a need for health insurance agents to get a good health insurance plan. Assessee and his family is less than 60 years and parents are above 60 years of age, Assessee and his parents have attained the age of 60 ye​ars and above. Almost all major insurance companies provide an online comparison facility. Bear, DE 19701 Tel: 302-838-3100. I, aged years, enrolled under the Group Mediclaim policy / Retail Health Insurance policy of Reliance General Insurance Co limited bearing Policy # / Health Card ID # hereby accept the following 1. If no, your hospitalization costs can take a toll on your hard-earned savings. 3 lacs, Rs. Google Reviews. If you switch jobs or retire or start something on your own, you will not be covered under any health insurance plan in India, so it’s always good to have your own health insurance – for yourself and your family. You should check the complete list of hospitals that are empaneled with the company before buying a health policy. For the list of Day care treatment, please refer to Annexure -1 of the policy wordings. The lump sum amount paid enables you to take care of hefty medical bills as well as the daily expenses. Also, it is advisable to buy health insurance from us as early as possible. Get a full list of Reliance health insurance plans online. Buying a health insurance policy at an early age can get you a cumulative bonus discount because most likely a young policyholder will renew his policy every year.​. Before buying a health insurance policy, you can compare the claim settlement ratio of different companies and can compare the better one out of all available options. The policy has two plans which can also be purchased on EMI option. ​Age is no bar for renewals – you can enjoy the advantage of our mediclaim policy for your entire life! You can also extend a personal accident insurance plan to include your entire family under a single policy. We also provide a variety of options to choose from such as a family floater mediclaim policy, individual health insurance plans, senior citizen health insurance with a wide range of sum insured. A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, have to review the entire health insurance plan. This cover will be valid for only one year.This is applicable only if the policy holder is also the insured person in the policy. policy wordings), If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, we will refill the full Sum Insured at no extra cost. I/we herewith understand that Reliance General Insurance Co limited (RGICL) reserves the right to process the claim as per the policy terms and conditions of the policy. You get add-on options of additional coverage more policy tenure and international coverage for overseas emergencies as well. About Us. Reach us for help anytime. Sometimes it is not possible to move the patient to a hospital because of their condition or lack of accommodation at the hospital. Reliance General Insurance Network Hospitals After purchasing health insurance, the next thing to do is make yourself aware about the network hospitals that will be convenient for you during an emergency to avail the cashless benefit. Does a higher cover provide privileged treatment in case of hospitalisation and claim? I have reliance group insurance, health policy. As early as March 4, the IRDAI had issued a circular directing health insurance firms to include medical cover for Covid -19. The savings start right away. Death, permanent total disability, temporary total disability, broken bones, and ambulance costs are covered under this policy. Below we have explained in detail why you need a health insurance policy. In addition, our wellness program offers enticing discounts on the best health and lifestyle centers. You are also covered for robotic surgeries. Take a look at below table to know more about the available deductions from gross total income and avail tax benefit of upto Rs. WhatsApp with us : Medical expenses for such cases will be covered if the treatment continues for a minimum of three days. We at Reliance General Insurance wants our customers to be satisfied with our plan. Some of the types are Family Floater Mediclaim policy, Individual Health Insurance Plans, Senior Citizen Health Insurance, Critical Illness Insurance Plan, etc. We believe that health management can not be confined to the walls of a Hospital or Clinic. Network Hospital; Non-Network Hospital ; 1 Claim Assistance. All necessary information is present on the website and customer executives are well trained to answer any other questions. All necessary information is present on the website and customer executives are well trained to answer any other questions. Right from the outset, you are assigned an 8 member Care Focus Team, headed by your Primary Care Physician. HealthWise Insurance Online now!​. 9 lacs at the age of 50, then the premium amount gets almost tripled i.e. Read more about working at Reliance Health Insurance. But this has also increased the healthcare cost in the country. You can avail tax benefits for a longer period if you buy a health insurance at a young age. Company Insight. The following diseases or conditions are not covered in this plan, under permanent exclusions: Intentional self-injury / injury under influence of alcohol, drugs / criminal acts, War / nuclear / chemical / biological injuries, Congenital diseases (diseases present from birth), Maternity- or Fertility-related conditions, Cost of spectacles, contact lenses and hearing aids, Non-allopathic, diagnostics , self-medication, unproven treatments​​, 2 (members >= 21 years of age) + 1 / 2 / 3 / 4 members (members >= 5 years < 21 years), 1 (members >= 21 years of age)) + 1 / 2 / 3 / 4 members (members >= 5 years < 21 years), 2 / 3 / 4 members (>= 5 years < 21 years) *, Under plan A, if you’re >=46 years of age, Under Plan B, if you’re >=18 years of age, Under any health insurance plan, if you’re less than 46 years of age, but suffering from a pre-existing disease*. Now that you know the right way to choose a health insurance plan, act faster and make your move by picking the right plan for you and your family. Refer to our The policy covers inpatient hospitalisation, day-care procedures, special treatments and Ayush treatment and gives a cumulative bonus up to 50%. You should also check the list of hospitals empaneled with the company and the capping on room or ICU rent. How can I add my family members to my existing policy? Reliance Health Insurance. If you don’t make any claims on your policy for a year, you earn a cumulative bonus of 33.33% on your base sum insured, at no extra cost. What do you understand by Accidental Death Cover for No Claim Renewal? ​Click here to know more.​​​​​​. You cannot add dependants in the middle of a policy term, except in the case of a new born baby (from 91 day) or a newly married spouse. So, you should understand that once you are retired or you have to change your job, you won't be covered. ​One re-instatement up ​to 100% of Base Sum Insured, subject to sublimit of 20% for related illness/injury. Why do I need a health insurance policy when I’m covered under my employer's group policy? Just as it is important to start saving from a young age to create wealth, buying health insurance will help safeguard this wealth by protecting your savings at the time of a medical emergency. ​Due to s​ky-rocketing inflation, even a small medical emergency can burn a hole in our savings. Red Beryl Individual Plan: This plan has a medical cover of N1.2 million in a year. This comprehensive policy will help you manage your finances and will also ensure that you get the best treatment. b.Cross-Sell Relationship Benefit: If you already holdanother RGI policy (Motor or Home) you get a discount of 5% on the HealthGain policy. The following illnesses or surgeries will not be covered for the first two consecutive years from the policy start date: All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse), Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis (and related disorders), Surgery of Genito-Urinary System (unless necessitated by malignancy), Internal Tumours, Skin Tumours, Cysts, Nodules, Polyps, Breast lumps (each of any kind), unless malignant, Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone. What kind of medical tests need to be done, if required? A floater option is one where one sum insured amount covers all the insured members in the mediclaim policy. Can the sum insured be changed in the mid-term? A decent policy by Reliance which covers hopitalization and helped me recover expenses. ​For the HealthGain policy, we offer two medical insurance plans in India with varying sum insured options: ​A pre-existing disease is any condition, ailment or injury or related condition(s), for which the insured person had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment within 36 months prior to 1st health insurance policy issued by Us under which the insured person was covered. While looking forward to buy a health insurance policy online, you need to keep the age of each family member in mind, and the policy benefits accordingly. If, even after receiving all completed documents (including Medical reports, as applicable and premium), there is a delay of more than 10 working days from us in issuing your policy issuance, we will pay you onetime additional sum insured of Rs 10,000/- under Plan A and Rs 20,000/- under Plan B. You should also check policy whether it is giving you a tax benefit under section 80D of the Income Tax Act or not, and if yes then how much. Medical expenses incurred before hospitalisation. There are a variety of plans available, to help you choose what suits you the best, we have come up with the guide that will help you: First scenario: If you have a family with a wife, children, and parents. Does a claim have to be lodged or made in a specific time frame from the time of the accident? ​A claim can be rejected if it does not comply with the terms and conditions of the policy. Even a regular hospitalization can cost you more than you can imagine. After lots of comparison I decided to go with reliance general. We believe that health management can not be confined to the walls of a Hospital or Clinic. Brochure could not be sent to Your Email Address. With a focus on preventative health, Reliance Medical Centers provides a one-stop holistic solution for improving both your health and your overall quality of life. Do I have to undergo any medical examination? See All. Under this individual plan option, you get one health insurance policy for all the family members, but the sum insured is applicable individually for each member. You should also check the illnesses that the policy is covering because there are chances that for some critical illnesses you need to pay an extra premium as per your family history. Additional Perks Include: Unlimited Chats & Phone Calls with … If you do not make any claim on your policy for 4 consecutive years, then by end of the 4th year your cumulative bonus will be equal to your base sum insured. Personal Accident Insurance Online Now! This health insurance plan comes with benefits such as the reinstatement of base sum insured, cashless hospitalization, pre and post hospitalization expenses, and numerous other add-on features. In the present time, medical insurance is something which is the basic need for everyone, as the medical expenses are very high and it is almost impossible for a middle-class person to afford treatment. How do I register a medical insurance claim in India? Under Plan B, we will provide you an accidental death cover of Rs. When you are young generally you don't have any exposure to pre-existing diseases which may cause immediate hospitalization hence insurance providers consider the age during policy issuance.​, Health insurance is one of the best ways to save tax under Section 80D of the Income Tax Act, 1961. You can buy any of the available options as per your requirements.​, Quick Quote premium estimate given is approximate. Before buying health insurance, you should check the claim settlement percentage of a company and the process which it follows before raising the funds. All you need to worry about is your fast recovery. Up to 6 members can be insured in a policy and there is no validation of the combination of insured. 142 reviews Rate This. To avoid this, you should opt for a health plan when you are healthy and young. (Please refer to Annexure -I of the. cashless health insurance, Had to buy a health insurance for my family to keep everyone covered against any threats. ​What is an individual option in the Reliance HealthGain Policy? ​It covers several members of a single family under the same plan by paying a single premium in a year. For an up to date list kindly call the TPA helpdesk at: +91-22-3966-6666. When you do not make a claim in any given mediclaim policy period. 4,584(plus taxes). Under the HealthGain policy, you will get coverage for 60 days. 3 lacs at a premium of just Rs. 1800-3009 24x7. 80D deduction is subject to fulfillment of terms and conditions mentioned in the Act. Reliance HealthCare is a medical walk in clinic for your whole family including pediatric, adult, geriatric and Gyn patients. A​ccording to the studies, there has been a rapid increase in the cases of chronic respiratory diseases, cardiovascular diseases, cancer, and diabetes in India. If I avail of the cashless facility, will you, the insurer, pay the complete amount? What tax benefits can you avail by having a health insurance? +91 7666725324. For the list of Day care treatment. Compare health insurance policies and select from these 8 plans that we offer-​. Didn’t know the importance of health insurance until something unfortunate happened to my friend. Apart from this, a health insurance policy can also act as a supplement to your existing medical cover in case the cost of a particular medical treatment is higher than your existing cover level. ​We recommend that you initiate the Health Insurance claim process as soon as you can. Availability of Better and Wider Options: At a young age, you can select the best health insurance plan from the wider and better available options. The organ donated is for the insured person's use. Also, family medical history is important and try to add those illnesses in the plan which are not pre-included in the plan and are available in your family history. ​The proposed insured(s) will need to pay for the cost of Pre-Policy Check-up (PPC) directly to the doctor or diagnostic centre. So save with your policy now! A policy that covers pre and post hospitalization expenses, check-ups, ambulance service, and drugs cost. Our Chairperson; Philosophy; Quality Commitment; Why Reliance Hospital; Treatments & Services. Find the insurance companies TPA tie-ups at Reliance Hospital. It is recommended to read all terms and conditions of the policy before buying it. Anyone between the age of 3 months to 65 years can be covered under the 3 plans as per the eligibilty under each plan. How do I find out which Hospitals are part of a given medical insurance network? policy wordings, (For more details on this mediclaim policy, please refer to the The Reliance General Health Insurance offers a diverse range of health insurance products that comprise individual plans, family floater plans, critical illness plan, group mediclaim health insurance policy to meet the healthcare requirements of various customer segments. In the event of any illness or injury or any medical situation that results in a claim or may result in a claim covered under the medical policy, you should keep in mind the following pointers. The rapid change in the lifestyles of people is one of the reasons for this large number. * Child between 91 days & 4 years can be covered under the floater option. Reliance Health Insurance provides different types of comprehensive insurance plans with various Sum Insured options to suit your lifestyle and requirements. HealthGain is a Health Insurance policy by Reliance General Insurance available in Individual as well as Family Floater Plans, with benefits such as cashless hospitalization, reinstatement of base sum insured, pre and post hospitalization expenses, and numerous other add-on features. Helped me deal with things smoothly. policy wordings), (For more details, please refer to the policy wordings​), (Named critical illness can be referred in the Please note that this facility is not applicable on renewal and portability cases. We offer the following discounts under Medical insurance policy:a. Buy In case of: Discounts are always awesome! During this period you can pay the premium of your expired policy and avail continuity benefits such as waiting periods and coverage of pre-existing disease. You can buy any of the available options as … 755 1196 989 Mon to Sun 10:00 AM to 7:00 PM. Get salaries by experience, location and roles. We will cover up to 50% of the base sum insured, subject to a maximum of Rs. 35,880/-**​: ** Considering maximum marginal rate of tax @35.88% including surcharge and cess.​. 3 lakh can be purchased at the age of 3 years. ​What are the documents required for a health insurance claim in India? Product/Service. Reliance Health Insurance. ​From the below-mentioned options, you can select the right health insurance plan that secures your and your family's health. Image Source:​Liv​emint ​(Findings of the sur​vey conducted by National Sample Survey Office in 2014​)​. Exclusions under the Reliance Corona Kavach health insurance The insurance company shall not be liable to make any payment under the policy, in respect of any expenses incurred inrespect of: Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date. To receive the final payable premium please click on Continue to Buy. Claim Form has been sent to Your Email Address. In such cases, you can be treated at home. 1 Lakh/- at the end of every claim-free policy year with our Company. Essentially, this type of room is the most basic and the most economical of all accommodations, available as a single room, in that hospital. Alternatively, you can also call our helpline (​+91 22 48903009​) or email us at rgicl.services@relianceada.com and we will help you out. ​The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. What do you understand by Single Private Room? This cover will be valid for only one year. Emergency +91-22-3922-2222. When you buy health insurance at a young age you have the following benefits: The premium of a health insurance plan is much lower when you are young. The important exclusions in our health insurance plans are: Please refer the Policy Wordings for more details. 6 lacs & Rs. The fact is that medical exigencies in​crease as you get old and the need for medical insurance cannot be overlooked. The age criteria for our various health insurance plans in India are as follows:No maximum age limit for any policy with the sum insured of Rs. This policy has extra benefits of more time and sum insured amount coverage. The policy comes with a coverage of Rs.50k to Rs. After lots of comparison I decided to go with reliance general. Sure, why not? The medical insurance offered by your employer is not enough. Compare detailed benefits of mediclaim policies to know which is better to choose. With Reliance Nippon Life Health Insurance Policy, you can protect yourself and your family from unexpected financial burdens that arise with health ailments and accidents. Tel: 302-838-3100. 17 Reliance Health Insurance Reviews by current and past employees about salary & benefits work culture skill development career growth job security work-life balance and more. Can be exercised up to the age of 60 years. At the time of filing a Health Insurance claim, along with your claim form, you need to submit the following documents: No, there is no limit on the number of Health insurance claims made in a policy period subject to the maximum limit of sum insured. ​Arogya Sanjeevani Health Insurance is a new standard policy implemented by IRDAI and is offered by all the insurance companies in India. The policy has a standard waiting period of 15 days after policy purchase. No, if you renew the mediclaim policy continuously without a break and there is no change in the policy terms and conditions. ​Will the health insurance policy provide cover in case of any hospitalisation abroad? policy wordings​), Awes​ome discounts on various, value-added 3 Lac.​. It was a good experience as everything was cashless. You can buy health insurance online by simply visiting the official site of the company. Under the HealthGain policy, you will get coverage for 60 days. ​Co-payment is a cost-sharing requirement under a health insurance policy, where the Policy Holder / insured  will bear a specified percentage of the admissible costs. Next up, we are showing some of … Rs 1,00,000*​ on medical insurance premium. 24 Hrs +91-22-3966-6666. How many members can be covered under Reliance HealthGain Insurance Policy? People also think that if they are insured under a group health insurance plan from their employer, they don't need a separate health insurance plan. As per this policy a single room is defined as a room, where a single patient is accommodated and which has an attached toilet (lavatory and bath). One’s health insurance policy is the only way to tackle unexpected medical emergencies; but do you have enough and more in your health insurance cover to protect you and your loved ones. This is a bonus awarded at the end of each claim free policy period, when you do make a claim in any given health insurance policy period. What is the health insurance policy tenure? The IRDAI had earlier advised all insurance firms to accept any claims with respect to covid-19 expenses. The online purchase gives multiple options to pay for the policy. Hospitalisation expenses are as follows. These people are wrong, as the health insurance offered by their employer will only cover them until they are working in the organization.