Reliance Health Gain Insurance Policy

In this article we are going to discuss about Reliance Health Gain Insurance Policy. We frequently neglect to focus on our health. We will generally overlook minor side effects, postpone doctor visits and underestimate our health. Notwithstanding, we never understand what’s on the horizon for us. Accidents, diseases and wounds can happen when we least anticipate them.

Reliance Health Gain Insurance Policy

These startling episodes can prompt mounting clinical costs, which can negatively affect our physical, emotional and monetary Health.

 

That is where health insurance comes in with like-a security net that offers truly necessary help during health related crises. You want an all encompassing strategy that assists with refuting all the nervousness around the high clinical expenses related with quality treatment. A medical coverage strategy that is very liquid and measured. A customisable strategy like Reliance Health Gain.

 

Our health care coverage strategy is a #Meri policy Meri Choice plan that doesn’t allow you to think twice about your health. It allows you to redo your arrangement to get concealed to ₹1 Crore, get limitless rebuilding of your aggregate safeguarded, partake in no restrictions on your room lease and that’s just the beginning.

 

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 Reliance Health Gain Insurance Policy

 Features of Reliance Health Gain Insurance Policy

Sum Insured (in ₹) Plus –

3 to 5 Lakh
Power – 10, 15 and 20 Lakhs
Prime – 25, 30, 50 and 100 Lakhs

Inpatient Care No sub limits
Special Treatments (in ₹) <25 lakhs covers up to 50% of Sum Insured & >=25 lakhs covers 100% Sum Insured
Day Care Procedures Within Sum Insured
Domiciliary Hospitalisation Within Sum Insured
Organ Donor Within Sum Insured
AYUSH Benefit Within Sum Insured
Pre-Hospitalisation Medical Expenses Covered Up to 60 days (Within Sum Insured)
Post-Hospitalisation Medical Expenses Covered Up to 90 days (Within Sum Insured)
Ambulance Cover Within Sum Insured
Room Rent Increase/Decrease your hospital room rent limits or even upgrade/downgrade your room category as you like.
Restore Benefit On subsequent claim, unlimited reinstatement of base sum insured on unrelated illness or injury, sub-limit of 100% of base sum insured for related illness/injury

Discounts and Benefits of Reliance Health Gain Insurance Policy

7.5% Discount

Get a 7.5% discount if you have an existing non-health policy with us.

Long Term Fresh Healthy life discount

10% Discount

Get a 10% discount if you are an existing RGI employee.

10% Discount

Get a 10% discount for buying this policy online.

RGI Retail Policy discount (non-health)

10% Discount

Get a 10% discount for if you have an existing health policy with us.

Employee Discount

12% Discount

Get a 12% discount for buying a 3-year policy (7% for 2 years).

RGI Health Policy discount

15% Discount

Get a 15% discount for taking good care of your health.

Long-Term Discount

 

Eligibility Criteria for Reliance Health Gain Insurance Policy

 

Age Child:

91 days to 25 years
Adult: 18 years to 65 years

Family Composition for Floater policy Plus –

Maximum of 2 Adults (Self + Spouse) and 6 children
Power – Maximum of 4 Adults (Self+ Spouse + one set of dependent Parents or Parents-in-law) and 6 children
Prime – Maximum of 6 Adults (Self + Spouse + set of dependent Parents + set of Parents in law) and 6 children

Policy Period 1 year, 2 years & 3 Years
Sum insured (₹) Plus –

3 and 5 Lakh; Power – 10, 15 and 20 Lakhs, Prime –

Waiting Period of Reliance Health Gain Policy

 

25,30, 50 and 100 L

Initial waiting period for Reliance Health Gain Insurance Policy 30 days from the start of the policy date towards treatment of any illness except claims related to an accident.
Specific waiting period for Reliance Health Gain Insurance Policy 2 years of waiting period applies on specific diseases.

A continuous coverage of 24 months is essential after the date of inception of the first policy.

Pre-existing Diseases waiting period for Reliance Health Gain Insurance Policy 3 years waiting period for expenses related to the treatment of pre-existing disease.

A continuous coverage of 36 months is essential after the date of inception of the first policy.

For the details of list of diseases, do read the prospectus, for details visit our website : https://www.reliancegeneral.co.in/

 

 

 

Easier & Faster Claim Process

You can choose both cashless and reimbursement claims as per your choice. For cashless claims, you must get treated at a network hospital where the policy holder would settle the bills directly with the authorities of hospital. If you want reimbursement claims, pay your bills initially and keep the original bills and receipts. Submit the original bills and receipts during claim settlement.

 

The exclusions for Reliance Health Gain Policy

Although Health Gain covers a lot for you, there are some conditions where it doesn’t apply. Here’s all medical exclusions in Reliance Health Gain:

  • Breach of law
  • Cosmetic or Plastic Surgery unless due to Accident/Burns or Cancer
  • Dental Treatment
  • Dietary Supplements & Substances
  • External Congenital Anomaly
  • Hazardous or Adventure sports
  • Investigation & Evaluation/ Wellness and Rejuvenation
  • Maternity Expenses
  • Non-Allopathy / Treatment except AYUSH
  • Nuclear Attack/War
  • Refractive Error less than 7.5 diopter
  • Self-injury or suicide
  • Sterility and Infertility
  • Substance Abuse and Alcohol

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