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Reliance General Insurance

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Individual Mediclaim Policy

Salient Features

Hospitalization Care for the Family

• Reliance Mediclaim Insurance Policy covers you and your family for hospitalization and related expenses.

• Family members between the ages of 5 and 80 years can be covered.

• The policy also provides health insurance for children between the ages of 3 months and 5 years if one of the parents is covered concurrently.

Claim-Free Bonus

With a no-claim bonus of 5% on every claim-free renewal, the prospective policy holder can be rewarded. This can be accumulated up to a maximum of 50%.

Tax Advantage

With health insurance you not only protect your family but also can avail of tax benefits under Section 80D of the Income Tax Act.

Policy Coverage

Reliance Mediclaim Insurance Policy will cover various hospitalization expenses.

• Hospitalization Expenses – These include room charges and operation theatre charges, nursing expenses, fees of medical practitioner, anaesthetist and consultants. 

• Medicine, Consumables and Diagnostic Expenses – Cost of anaesthesia, blood, oxygen, surgical appliances, medicine and drugs, diagnostic material and X-rays, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs and organs.

• Day Care Treatment – The policy will cover expenses incurred towards technologically advanced treatment that does not require hospitalization for 24 hours or more. 

• Domiciliary Hospitalization – We also provide cover for treatment administered at home, subject to specified conditions.

• Pre- and Post-Hospitalization – Reliance Mediclaim Insurance Policy covers medical expenses for treatment up to 30 days before and up to 60 days after the hospitalization.

Value Added Benefits

Reliance Mediclaim Insurance Policy offers value-added benefits to give an individual extra cushioning and added cover.

• The policy will cover pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days.

• It also provides you with health cover for technologically advanced treatment that does not require 24-hour hospital stay.

• No medical check-up up to the age of 45.

• Free medical check-up after 4 claim-free renewals.

Exclusions

At Reliance General Insurance, we would like our policy to be as transparent as possible.

To ensure that you do not face any unpleasant surprises when you make a claim, we would like you to know some of the major exclusions under the policy.

This policy does not cover:-

• Any pre-existing illness

• Specified illnesses for the first year.

• Specified illnesses in the case of domiciliary hospitalization.

• Any treatment for the first 30 days from the time of inception of policy, unless due to an accident.

• Treatment related to HIV / AIDS.

• Treatment due to abuse of alcohol or intoxicants.

• Vaccination and inoculation.

• Nuclear and war perils.

• Naturopathy treatment.

Eligibility

The policy can be issued to:-

• Persons between 5 years and 80 years of age.

• Children between 3 months and 5 years if one or both parents are covered concurrently.

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what is pre-extecing decises
vijji_007 Saturday, January 07, 2012
Hi, my parents are aged Mother 71 and father 81 years. Is there any health insurance policy. Please suggest me on shitalkr@yahoo.com Thanks,
shitalkr Tuesday, November 01, 2011
I've some issues related to reimbursement of medical expenses of my family health policy. I purchased policy from Noida, which office of insurance Ombudsman should I approach, Delhi or Lucknow? Sanjeev Sharma
sanjeev1966 Tuesday, September 27, 2011
I M MAZHER HUSSAIN . MY POLICY NO. 2603792825001811. I WANT TO CONFIRM THAT MY POLICY IS RUNNING CONDITION OR NOT. MY EMAIL ID.hussainmazher28@yahoo.com
alihussain Thursday, February 10, 2011
i want the owner name to be changed in the insurance paper as the rc book was transferred...i want the near by branch to krishnaraj puram in bangalore
murali25 Tuesday, August 31, 2010
MY NAME IS NEERAJ

MY POLICY NO IS 2003792825002531

I WANT TO CONFIRM THAT FROM HOW MANY YEARS MY POLICY IS RUNNING

AND I WANT TO CONFIRM MY PREVIOUS POLICY NOS
SO PLEASE SEND ME

MY E MAIL ID IS neeraj_enterprises1995@yahoo.com

neerajdua Sunday, August 15, 2010
HOW TO GET POLICY CERTIFICATE OF RELIANCE HEALTHWISE POLICY
SANDIP88 Saturday, July 17, 2010
it is nice policy and way of understanding of the policy is aslo nice
vipin83 Friday, July 16, 2010
Hi, My name is Salam Shariff, and I took Reliance General insurance Health Policy in the year 2007 and renewed it in 2009 Dec(total amount I paid Rs.9000/-). I never used this policy for any claims, the issue is when to renew the policy. Reliace marketing personel did an excelent job and took money for renewal through IVR and with least bother to provide me renewal policy number. I got hospitalised and I don't know my renewal policy number, when I enquired about it they did'nt have any information about renewal. On repeated request they provide me renewal policy and failed to send the renewal policy documents. I decided to cancel my policy and they paid me only 50% of renewal amount as it exceeds one month duration. They failed to provide me policy number within one month. I encouraged few my colleagues and friends to go for reliance and this is the incentive I recieved from Reliance. If any one needs any info regarding this case, I am ready to provide. My sincere request to everyone not go for reliance...
Salam Monday, February 01, 2010
you are right i buy a helthwise pollice in 10/08/2008 at that time my premium is14374.99 for two years,now i get renewal letter for same pollicy and premium for one year[rgicl agent online tell me]rs.19585 for one year i tell him what'e this he tell me evry year premium revised so you pay more and more evry year rise for 100% i advice to go with other company
guest Friday, July 16, 2010

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