Reliance General Health Plan Benefits, Feature, Buy & Renews

Reliance General Health Plan – One of India’s most important conglomerates, the Reliance Anil Dhirubhai Ambani Group, is the parent company of Reliance General Insurance Company. When private insurance company were allow to enter the market, the company was found in 2000. The company has been offering general insurance solutions to individuals, organizations, and small and medium-size businesses ever since it was establish.

One of the many types of insurance that Reliance offers is health insurance plans. Car insurance, two-wheeler insurance, travel insurance, and plans for commercial insurance are among the other products. Reliance General’s health insurance plans are very popular because they offer good coverage at low prices. In addition, health insurance policies are in high demand due to their assistance with medical expenses.

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Reliance General Health Plan

In today’s world of health-related uncertainties, Reliance Health Insurance Plans provides comprehensive protection. Reliance General Insurance’s health insurance plans provide financial support for you and your family in the event of a health crisis. Under Section 80D of the Income Tax Act of 1961, Reliance Health Insurance plans provide comprehensive protection and tax savings. You get a lot of advantages, like a cashless hospitalization, a low premium, and amazing discounts.

If you’re looking for a general health insurance plan that offers a variety of benefits, Reliance General Health Plan is definitely worth considering. This plan offers coverage for a wide range of medical conditions, including cancer, heart disease, and more. Plus, it provides access to a wide range of health services, including surgery and hospitalization. If you’re looking for an affordable option that offers quality coverage, Reliance General Health Plan is the perfect solution for you.

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Reliance General Health Plan

Reliance General Health Plan Details

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About Reliance General Health Plan

Indian private insurance company Reliance General Insurance Company Limited is wholly owned by Reliance Capital and is a part of the Reliance Anil Dhirubhai Ambani Group. It was founded in 2000, and that same year, it received a license from the Insurance Regulatory Development Authority of India (IRDAI) to run general insurance businesses in India. The insurer offers solutions for motor, health, travel, home, marine, and fire insurance.

The insurance company has 139 offices and more than 28,900 intermediaries across the country. There, its staff is focused on providing customers with cutting-edge products and unparalleled service. Individual plans, family floater plans, critical illness plans, and group mediclaim health insurance policies are just a few of the many health insurance options available through Reliance General Health Insurance, which caters to a wide range of customer demographics. This insurance company’s goal is to provide everyone with affordable insurance plans.

Features and benefits of Reliance General’s health insurance plans

With Reliance General’s diverse range of health insurance plans, you’re sure to find one that suits your needs. We have plans that cover hospitalization, prescription drugs, mental health services, and a lot more. Plus, our plans come with a host of benefits that make them perfect for both you and your family. In this article, we take a look at some of the features and benefits of Reliance General’s health insurance plans. Ready to see which plan is perfect for you?

  • Fixed benefit and indemnity health plans are offered by the company. In contrast to fixed benefit plans, which pay a lump sum benefit regardless of the costs incurred, indemnity plans cover the actual medical expenses incurred.
  • The company’s health insurance plans include wellness benefits that enable you to monitor your health and lead a healthy life.
  • If a girl child is covered by a health insurance plan, premiums can be reduced.
  • There are vouchers and discount coupons that can be used at specific wellness centers.
  • Section 80D allows for a deduction of the health insurance premiums up to a maximum of INR 25,000. You can claim a further deduction of up to INR 50,000 if you also cover and pay the premiums for your elderly parents.
  • The business guarantees that claims will be settled. After you have submitted all of the claim’s documents, the company will charge you interest at 1% of the claim amount for every six business hours that the claim is delayed.

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Health insurance plans offered by Reliance General Health Plan

If you’re looking for an affordable health insurance plan that offers a wide range of benefits, Reliance General Health Plan is the perfect option for you. With plans that cover everything from surgery to maternity care, this health insurer has something for everyone. Plus, the plans are extremely affordable, making them an ideal choice for those on a tight budget. If you’re interested in learning more about Reliance General Health Plan, or in finding out if it’s the right health insurance plan for you, please read on.

Let’s discuss the health insurance plans offered by Reliance General Health Plan–

Reliance HealthGain Plan

Welcome to the Reliance HealthGain Plan! Our patient-centric plan is designed to help you get the healthcare that you need, when you need it. We understand that your time is valuable, which is why our team of dedicated professionals will work with you to create a personalized plan that meets your needs. We understand that you may have questions, so we’ve put together this FAQ section to answer some of the most common ones. If you still have questions, don’t hesitate to contact us. We would love to hear from you!

Reliance’s HealthGain is an indemnity health insurance plan which covers the actual cost of hospitalization.

The salient features of the plan include the following –

  • Individuals and families alike can implement the plan.
  • There are two versions of the plan: A and B. If the plan is purchased by a single, independent woman and also covers a girl child, the premium will be reduced by 5%.
  • Plan B has critical illness coverage built in. If you get one of the covered illnesses during the policy’s term, you don’t have to pay any premiums to extend the policy by a year.
  • A 5% additional premium discount is available to you if you have already purchased car insurance from the company.
  • You may receive a premium discount of 5 to 10 percent if you choose to add family members to an individual policy.
  • If there are no claims for four policy years, the total amount insured is doubled.
  • The family floater version of the plan can also cover extended family.
  • The premiums for the plan can be paid for through four manageable EMIs.
  • The company offers a service guarantee for policies. An additional sum insured of INR 10,000 in Plan A and INR 20,000 in Plan B is promised without an additional premium in the event of a delay in policy issuance.
  • The policy is available for one or two years.

Coverage benefits of Reliance HealthGain Plan

Are you looking for health insurance that offers comprehensive coverage? If so, you might want to consider Reliance HealthGain. This health insurance plan offers a wide range of benefits, including coverage for mental health issues, dental care, and more. Plus, it has a low premiums and a low out-of-pocket costs. In this article, we’ll discuss the coverage benefits of Reliance HealthGain and how it can benefit you.

The following are the coverage features of the plan –

Coverage featuresPlan APlan B
Ambulance coverUp to INR 1500Up to INR 3000
Accidental death coverNAIf the insured does not file a claim within the most recent policy year, they will be entitled to a coverage of INR 1 lakh in the event of an accidental death. Upon policy renewal, accidental death coverage is promised.
Pre hospitalisation coverUp to 60 daysUp to 60 days
Post hospitalisation coverUp to 60 daysUp to 60 days
Sum insured reinstatementThe total protected is reestablished completely in the event that it is depleted in a strategy year. Notwithstanding, for a similar sickness, the total safeguarded is reestablished by 20%The total protected is restored completely on the off chance that it is depleted in a strategy year. Notwithstanding, for a similar disease, the total protected is reestablished by 20%
Hospitalisation expensesConcealed to the aggregate guaranteedCovered up to the sum insured
Daycare treatmentssum insured the sum insured
Organ donor expensesCovered up to 50% of the sum insured subject to a maximum of INR 5 lakhs50% of the sum insured subject to a maximum of INR 5 lakhs
Domiciliary treatmentsConcealed to 10% of the aggregate guaranteed subject to a limit of INR 50,000up to 10% of the sum insured subject to a maximum of INR 50,000
No claim bonus insured increases by 1/3rd after every claim-free year insured increases by 1/3rd after every claim-free year

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Exclusions of Reliance HealthGain Plan:

The accompanying cases are not covered by the arrangement

  • Prior diseases in the initial 3 years
  • Named diseases in the initial 2 years
  • Any disease which happens inside the initial 30 days of purchasing the approach
  • Self-endeavored wounds or self destruction
  • Maternity and related costs
  • Diseases or wounds because of war, atomic hazards or related conditions
  • HIV/Helps/sexually transmitted diseases
  • AYUSH medicines
  • OPD costs
  • Dubious or exploratory medicines which are not perceived and supported

Plan parameters and other conditions of Reliance HealthGain Plan:

Pre-entrance health check-upsFor Plan A wellbeing check-ups would be required in the event that the protected is matured 46 years or more at the hour of purchasing the strategy

For Plan B wellbeing check-ups would be required assuming that the guaranteed is matured 18 years or more at the hour of purchasing the arrangement

Minimum age at entryIndividual approaches can be purchased by people matured 5 years or more

In family floater plans, kids matured 91 days or more and as long as 4 years can be covered on the off chance that one more covered part is something like 21 years of age

Maximum age at entry65 years under both arrangement variations. In any case, on the off chance that the total safeguarded is INR 3 lakhs, there is no bar on the section age
Sum insuredPlan A – INR 3 lakhs, INR 6 lakhs and INR 9 lakhs

Plan B – INR 12 lakhs, INR 15 lakhs and INR 18 lakhs

Number of members coveredIndividual arrangement – up to 6 individuals in a similar strategy

Floater plan – up to 6 individuals in a similar arrangement. The individuals can be a limit of 4 kids and 2 grown-ups matured 21 years or more

Co-payment20% of the claim amount if the insured is aged 61 years and above

Reliance Health Wise Plan

Reliance Health Wise Plan is a comprehensive e-health platform that helps you stay healthy and safe by keeping track of your health data. It offers a variety of services to its users, including health assessment, remote monitoring, and tailored healthcare advice. With Reliance Health Wise Plan, you can be sure that you’re taking the right steps to staying healthy and safe.

Dependence’s Wellbeing Wise Arrangement is likewise a repayment situated health care coverage plan which takes care of the expense of hospitalization.

The striking elements of the arrangement incorporate the accompanying –

  • The arrangement comes in three variations of Gold, Silver and Standard
  • There is an inbuilt basic sickness benefit under the Gold Arrangement which pays a single amount benefit in the event that the guaranteed is determined to have any of the covered basic diseases during the term of the strategy
  • There are no sub-limits on room lease and a solitary confidential room is considered long term hospitalization
  • 7% premium rebate is considered covering two young lady kids under the arrangement. Assuming that one girl is covered, the rebate permitted is 4%
  • 5% premium markdown is permitted consistently on the off chance that you don’t make a case in the past strategy year. The most extreme no case rebate which you can benefit really depends on 20%

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Coverage benefits of Reliance HealthWise Plan:

Coverage featuresStandardSilverGold
Inpatient hospitalisationCovered up to the sum insured to the sum insuredCovered up to the sum insured
Domiciliary treatments10% of the sum insuredfor up to 10% of the sum insuredCovered for up to 10% of the sum insured
Daycare treatmentstreatments are covered up to the sum insuredSpecified treatments are covered up to the sum insuredSpecified treatments are covered up to the sum insured
Pre hospitalisation expenses 30 daysup to 60 daysCovered for up to 60 days
Post hospitalisation expenses 60 daysCovered for up to 90 daysCovered for up to 90 days
Free health check-ups 1% of the sum insured for individual plans and 1.25% of the sum insured for floater plans after 4 claim-free yearsfor up to 1% of the sum insured for individual plans and 1.25% of the sum insured for floater plans after 4 claim-free yearsto 1% of the sum insured for individual plans and 1.25% of the sum insured for floater plans after 4 claim-free years
Critical illness cover             –

Available
Organ donor expenses

to the sum insured
Daily hospital cash allowance

250/day for a maximum of 7 days
Nursing daily allowance

250/day for a maximum of 5 days300/day for a maximum of 5 days
Ambulance costsup to INR 500 INR 7501000
Recovery benefit

A lump sum of INR 10,000 is paid if hospitalisation exceeds 10 continuous daysA lump sum of INR 10,000 is paid if hospitalisation exceeds 10 continuous days
Expenses for the accompanying personINR 200/day for a maximum of 5 days250/day for a maximum of 5 daysINR 300/day for a maximum of 5 days

Exclusions of Reliance HealthWise Plan:

Dependence’s HealthWise Plan offers great inclusion benefits. In any case, there are a few rejections too which are not covered by the arrangement. Normal avoidances incorporate the accompanying –

  • Diseases like waterfall, fibromyoma, fistula, heaps, hysterectomy, and so forth are not shrouded in the primary strategy year
  • Under the Standard Arrangement variation, previous sicknesses are not canvassed in the initial 4 approach years. Nonetheless, under the other two arrangement variations of Gold and
  • Silver, previous sicknesses are not covered for the initial 2 years
  • Ailments endured in the span of 30 days of purchasing the arrangement are not covered
  • Maternity related medicines and expenses of labor are not covered
  • HIV, Helps or some other physically communicated sicknesses are not covered
  • Medicines because of war, atomic pollution and related risks are not covered
  • Innate diseases are not covered

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Plan parameters and other conditions of Reliance HealthWise Plan:

Pre-entrance health check-ups For higher section ages, nonetheless, pre-entrance clinical check-ups would be an unquestionable necessity.
Minimum age at entryChildren – 3 months.

Adults – 18 years.

Maximum age at entry65 years.
Sum InsuredINR 1 lakh to INR 5 lakhs in multiples of INR 1 lakh.
Number of members coveredSelf and life partner can be covered. Subordinate youngsters matured 3 months to 18 years can be covered in the event that anybody parent is covered.
Co-payment25% of the claim amount if the policy is bought in one geographical Zone and a claim is made in another Zone.

Reliance Critical Illness Insurance Plan:

Dependence Basic Sickness Insurance contract is a proper advantage basic disease plan. The arrangement covers a rundown of determined sicknesses and significant therapies. Assuming the guaranteed is determined to have any of the covered diseases or goes through any covered treatment, the arrangement pays the aggregate protected in singular amount. The total protected is paid independent of the real clinical expenses brought about. How much advantage got can be utilized to pay for clinical medicines or to satisfy whatever other monetary commitments that you have.

The remarkable elements and advantages of Dependence’s Basic Sickness Insurance Contract are as per the following –

  • Inclusion is accessible for 10 basic sickness
  • There is compelling reason need to go through pre-entrance clinical check-ups to purchase the arrangement

Coverage benefits of Reliance Critical Illness Insurance Plan:

Life threatening illnessesNon-life threatening illnesses
Major organ transplantComa of specified severity
CancerRepair or replacement of heart valve
Third degree burnsComa quadriplegia which continues for 90 days post diagnosis without recovery
Multiple SclerosisEnd stage renal disease
Aorta Graft SurgeryTotal blindness

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Exclusions of Reliance Critical Illness Insurance Plan:

These are the normal prohibitions under the arrangement where a case isn’t paid –

  • Prior sickness or illness are not cover
  • HIV, Helps or sexually transmitted diseases are not covered
  • Diseases in the span of 90 days of purchasing the arrangement wouldn’t be covered
  • Sicknesses because of pregnancy, war, atomic dangers, break of regulation, liquor utilization or smoking, endeavored self destruction, and so forth wouldn’t be covered
  • Corrective medicines and medical procedures are not covered
  • In the event that the guaranteed kicks the bucket in the span of 30 days of determination of the sickness, guarantee wouldn’t be paid
  • In the event that the conclusion isn’t finished by a perceived clinical professional or on the other hand in the event that it isn’t logically perceived, guarantee wouldn’t be permissible.

Plan parameters and other conditions of Reliance Critical Illness Insurance Plan:

Pre-entrance health check-upsNot required
Minimum age at entry18 years
Sum InsuredINR 5 lakhs, INR 7 lakhs and INR 10 lakhs

Reliance Personal Accident Insurance Plan

Dependence Individual Mishap strategy is likewise a proper advantage medical coverage plan which pays a singular amount benefit if there should be an occurrence of coincidental possibilities. The remarkable highlights of the arrangement incorporate the accompanying –

  • The total guaranteed increments by 5% after each guarantee free year. The greatest expansion in aggregate protected permitted under the arrangement ultimately depends on half
  • The inclusion is permit around the world
  • The extra of repayment of clinical costs can be profit by paying an extra premium. This extra would take care of the expense of clinical costs caused after a mishap
  • The strategy can be taken by a person for self or as a family bundle cover for the entire family
  • People are endorse according to the gamble class they have a place with. Risk class relies upon your occupation. There are three gamble classes of I, II and III. Charges are higher at higher gamble classes.

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Coverage benefits of Reliance Personal Accident Policy

The arrangement covers incidental passing, disablements and other monetary misfortunes. The occasion cover and the case payable for each are given underneath –

Instances of claimAmount of claim paid
Accidental death100% of the sum insured
Permanent total disablement like loss of two limbs, two eyes or one limb and one eye100% of the sum insured
Permanent total disablement like loss of one limb or eye50% of the sum insured
Permanent partial disablement1% to 75% of the sum insured depending on the disablement suffered and the policy conditions
Carriage of mortal remains2% of the sum insured subject to a maximum of INR 2500
Medical expenses reimbursement extensionLower of 40% of the claim paid or 20% of the sum insured of the policy

Exclusions of Reliance Personal Accident policy:

The accompanying cases of cases are not cover under the arrangement

  • Any kind of case after a case has proactively been paid
  • Claims for comparable incapacities
  • Guarantees more than the aggregate safeguarded
  • Endeavored self destruction, criminal demonstrations, physically communicated illnesses, HIV, Helps, and so on.
  • Mishaps endure when you are affect by liquor or medications
  • Maternity and its connected difficulties
  • Normal passing

Plan parameters and other conditions of Reliance Personal Accident policy:

Members coveredSelf, spouse and dependent children
Minimum entry ageAdults – 18 years

Children 5 years. Children would be cover till they attain 25 years of age

Sum Insuredthe essential safeguarded, total protected would rely upon pay.

the companion of the safeguard, the inclusion would be half of the aggregate protect subject to a limit of INR 1 lakh

For subordinate kids, the inclusion would be 25% of the total protect subject to a limit of INR 50,000 for every youngster

Premiums of Reliance General Health Plan:

Charges of Dependence General’s health care coverage strategies rely upon a ton of elements. While computing the exceptional the organization remembers every one of the elements and afterward does the computation. The elements which influence your health care coverage expenses incorporate the accompanying –

  • Your age-the more established you are the higher would be the premium as well as the other way around
    The quantity of individuals covered – the superior increments with an expansion in the quantity of covered individuals. Individual plans are, accordingly, less expensive than family floater ones
  • Total safeguarded – more elevated levels of aggregate guaranteed have higher expenses as well as the other way around
    Additional items chose assuming you pick any discretionary inclusion benefit, an extra premium would need to be paid for it
    Inclusion highlights in the arrangement the higher the inclusion include the arrangement has, the higher would be the premium. That is the reason, under HealthWise plan, Gold variation would be dearer than Standard or Silver variation
  • Clinical history-assuming you or some other cover part experience any unrespect issue, the charge would be expand on account of the expand clinical gamble under the approach
    Limits accessible Dependence offers a scope of expense limits in its health care coverage strategies. Assuming that you meet all requirement for the accessible limit, the charge would be brought down
  • Strategy residency – long haul arrangements have higher charges since you pay the premium of the full residency immediately.

How to buy Reliance General Health Plan?

It is extremely simple to purchase health care coverage strategies presented by Dependence General. You can meet the organization’s representative and purchase an arrangement from him/her or visit the organization yourself for buying your desired strategy. In the event that you need a more straightforward elective you can purchase the arrangement online which is simpler and speedier.

For purchasing on the web, the accompanying advance would need to be taken –

  • Visit Dependence General’s true site at https://www.reliancegeneral.co.in
  • On the landing page pick ‘Wellbeing’ and enter the expect data like the aggregate protect that you might want to take, the age of the oldest part to be covered, number of individuals cover, their age and your contact subtleties
  • At the point when the subtleties are place, you would get to see the plans present by the organization and their individual expense
  • You can pick the most reasonable strategy, pay the premium on the web and purchase the approach. That’s all there was to it.

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