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Reliance General Insurance

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Reliance General Insurance

Reliance General Insurance Company Limited is a giant in the private sector insurance companies of the country. It is a part of Reliance Capital Limited of the Reliance Anil Dhirubhai Ambani Group.

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The company offers a wide range of insurance solutions in the field of motor, home, travel, health and personal accident. The company has far-fetched reach with 139 offices and over 12000 intermediaries across the nation. The option of online health insurance makes the process of medical insurance of the entire family very simple.

Reliance Health Insurance

The company is the first ever to be awarded 9001:2008 certification for End to End Services of General Insurance Product offerings across the whole of India and has also achieved recognition by Det Norske Veritas (DNV), an international quality audit organization. The brand philosophy of the company is LiveSmart- ‘change in attitude and approach to create better, smarter and innovative insurance solutions for customers’.

The various policies on offer in the health insurance sector are as follows:

Reliance Health Gain Policy

This Mediclaim policy provides health insurance coverage for the entire family with a special discount for women and girl child. It is available in two options - Plan A and Plan B.

Reliance Health Gain Policy for Entire Family

Salient Features
  • Highly affordable premiums starting as low as Rs. 15 per day.
  • Entry age: 5 years to 65 years.
  • Policy term: 1 year.
  • Option to choose the policy on individual or family floater basis.
  • Sum assured option of Rs. 3/6/9 lakhs.
  • Lifelong renewability.
  • 5% discount on the premium for the girl child and single women.
  • 5% discount on the premium for Reliance Private Car Package Policyholders.
Claim Benefits
  • Hospitalization Expenses - Cashless hospitalization and coverage for in-patient treatment expenses in case of hospitalization due to an illness.
  • Pre-hospitalization Expenses - For a period of 60 days before admission.
  • Post-hospitalization Expenses - For a period of 60 days after discharge.
  • Domestic Road Ambulance Expenses - Incurred on transport to the closest hospital in case of an emergent or life-threatening condition, up to Rs. 1500 in Plan A and Rs. 2000 in Plan B.
  • Donor Expenses - Up to a maximum of 50 % of Sum Insured (SI) or Rs. 5 lakhs in case of an organ transplantation.
  • Domiciliary Treatment - Expenses incurred on treatment at home for a condition that otherwise warrants hospitalization but is not possible due to unavailability of bed or poor condition of the patient. It is applicable after treatment at home for a minimum of three days.
  • Replenishment of Base SI - In the case of exhaustion of the sum insured.
  • Cumulative Bonus - Of 33.33% on sum insured for a claim-free year, up to a maximum of 100% of SI.
  • Call Option - After four consecutive policy years without a claim, the cumulative bonus equals SI. In the fifth year, the policyholder may use the "Call option" to double SI by adding the cumulative bonus.
  • Income Tax Exemption - Up to Rs. 3500 under section 80-D of Income Tax Act.
  • Wellness Benefits - The policyholder receives R card on purchase of the policy which entitles the customer to discounts and offers on health and lifestyle services.
  • Additional Benefits Under Plan B - Choosing plan B offers two other benefits:
    • Accidental death cover amounting to Rs. 1 lakh after a claim free policy year.
    • Free renewal of the policy in case the policyholder is diagnosed with a critical illness.

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Exclusions

This policy primarily does not cover:
  • Any claim in the initial 30 days of the policy period, except in the case of an accident.
  • Certain conditions up to a period of 2 years, as mentioned in the policy document.
  • Pre-existing conditions or diseases.
  • Intentional self-harm or injury.
  • Claims arising out of war or an act of violence.
  • Treatment expenses related to HIV, AIDS, and other sexually transmitted diseases
  • Dental and cosmetic treatment.
  • Treatment of mental or psychiatric disorders.
  • Non-allopathic treatment.

Reliance Critical Illness

This health insurance policy from Reliance may be used as a top-up plan or individual policy to cover the expenses meted on the treatment of critical illnesses.

Salient Features
  • Lump sum payment on the diagnosis of any of the mentioned 10 critical illnesses.
  • Option to choose a sum insured of Rs. 5/7/10 lakhs.
  • No medical check-up required till 45 years of age.
  • Policy term may be 1 or 2 years.
Benefits
  • Critical illnesses covered - Treatment and surgeries of the following nature are covered under the policy:
    • Category 1- Life-threatening
      • Major organ transplantation
      • Cancer
      • Multiple sclerosis
      • Burns (third degree)
      • Aorta graft surgery
      Critical Illnesses Covered
    • Category 2- Lifestyle disabling
      • Total blindness
      • End-stage kidney disease
      • Coma quadriplegia
      • Heart valve repair/replacement
  • Lump sum benefits - On the diagnosis of a critical illness and surviving a period of 30 days after the initial diagnosis in category 1 and 60 days in category 2 respectively. In the case of quadriplegia, the benefits are paid after a period of 90 days.
Exclusions 

The few conditions not covered under the policy are as follows:
  • Pre-existing conditions.
  • Any critical illness acquired due to:
    • Childbirth or related complications.
    • HIV/AIDS.
    • Cosmetic surgery.
    • Alcohol and drug abuse.
    • Intentional self-harm/injury.
    • An act of war or terrorism.
  • Death within 30 days of the initial diagnosis.
  • A diagnosis which has been ascertained by a family member or a person not registered as a medical practitioner.

Individual Personal Accident

Besides diseases, a major cause of hospitalization, disability and death may be an accident. Reliance Personal Accident policy offers financial security in case of unforeseen accidental injury or death of the policyholder.

Reliance Personal Accident Policy Offers Financial Security

Salient Features
  • Entry age: 5 years to 70 years.
  • Option to choose the policy on individual or floater basis.
  • Option to extend the policy to cover medical expenses.
  • Complete coverage of permanent disability as well as death.
Benefits 

The policy provides benefits according to the condition of the patient due to the accident:
  • Accidental Death - Benefit to the tune of 100% of SI in the case of accidental death of the policyholder.
  • Permanent Total Disability - In the case of permanent total disability, 100% of SI is paid.
  • In the event of loss of two limbs or two eyes or one limb and one eye, 100% of SI is paid.
  • In the case of loss of one limb or one eye, 50% of the SI is paid.
  • Permanent Partial Disability - Benefit shall be paid according to the nature and percentage of disability, as mentioned in the policy document.
  • Transport of Mortal Remains - A payment of 2% of SI is paid for the transport of mortal remains from the place of accident or hospital to the residence in case of death of the policyholder, up to a maximum of Rs. 2500.
  • Extension for Medical Expenses - The option can be availed on payment of extra premium.
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Exclusions 

Personal accident policy does not cover the following:

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what is pre-extecing decises
vijji_007 Saturday, January 7, 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 1, 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 1, 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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