Reliance General Insurance is one of the leading health insurance companies in India. Reliance Health Insurance is a wholly owned subsidiary of Reliance Capital, part of the Reliance Anil Dhirubhai Ambani Group. Reliance Health Insurance was started in the year 2000 and had 131 offices and more than 90,000 intermediaries across India. Moreover, it offers a wide range of health insurance plans, such as individual health insurance plans, family health insurance plans, critical illness health plans, etc., designed to meet each individual's healthcare needs. Reliance Health Insurance has received many awards and accolades in recent years. Below mentioned are some of the awards received by Reliance health insurance:
- World Leadership Congress And Awards, 2021: Business Leader of the Year
- ET Best Brands 2021: The Best Brand of The Year, March and December
- India's Most Trusted Brand Awards, 2021: Best Claims Management
- The Video Media Awards & Summit, 2021: Best Video Content in a 360-degree campaign
- MCube Awards 2021: Best Use of Animation or Graphics
- 4th Insurance Alertss Conclave & Excellence Awards, 2021: Best General Insurance Company for innovations
Reliance Health Insurance Company Specifications
Below mentioned are the key specifications of Reliance General Health Insurance company:
| Particular | Specifications |
|---|---|
| Network Hospitals | 8600+ |
| Incurred Claim Ratio (2021-22) | 98.75 |
| Claim Settlement Ratio (less than three months) (2021-22) | 98.65 |
| Solvency Ratio (2021-22) | 1.67 |
| Equity Share Capital(2021-22) | 9408.96 Crores |
*Data was obtained from the IRDAI 2021-22 annual report.
Key Features of Reliance Health Insurance
Reliance Health Insurance offers comprehensive medical coverage against various diseases and medical conditions. But you must check the key features of Reliance Health Insurance, such as claim settlement ratio, network hospitals, solvency ratio, etc. Below mentioned are some of the key features of Reliance Health Insurance:
Claim Settlement Ratio
The claim settlement ratio enables you to know more about the information regarding the ability of the company to resolve the claims within the stipulated time period. This is one of the most important parameters to judge any health insurance company as you want your claim to be resolved immediately. And as per the annual report of IRDAI, Reliance General Insurance has a claim settlement ratio of 98.65.
Network Hospitals
Reliance Health Insurance has 8,600+ network hospitals where policyholders can easily access the cashless treatment facility. Cashless hospitalization enables you to get treatment without paying anything out of pocket in case of a medical emergency. You do not need to rush from hospital to hospital to get funds for treatment in difficult or urgent situations as there is such a wide range of network hospitals. Apart from being a cashless treatment facility, it also offers free health tests, pre and post-hospitalization expenses and coverage for pre-existing diseases.
Solvency Ratio
Solvency ratio is one of the most important parameters to check the companies performance as it helps you determine whether the insurer can meet its financial obligations. As per IRDAI instructions, it is mandatory for every insurance company to maintain a minimum solvency ratio of 1.5, and Reliance Health Insurance has a solvency ratio of 1.67.
Lifelong Renewability
Reliance Health Insurance provides a lifetime renewal option in its health insurance plans. This feature helps you to avoid buying a new health plan every time after every policy term.
Health Insurance Plans Offered By Reliance Health Insurance
Reliance Health Insurance offers a wide range of comprehensive health plans designed to meet the healthcare needs of every individual and their family. Below we have divided all the health insurance plans offered under Reliance Health Insurance into different categories:
Individual and Family Health Insurance
 |
Reliance Health Gain Insurance Policy |
Coverage Benefits
- Air Ambulance
- Organ Donor
- Domiciliary Hospitalization
Eligibility Criteria
Entry Age: 91 Days - 65 Years
Sum Insured: 3 Lakh to 1 Crore
|
Reliance Health Infinity Insurance Plan |
Coverage Benefits
- ICU Cover
- Room Rent Cover
- Domiciliary Hospitalization
Eligibility Criteria
Entry Age: 91 Days - 65 Years
Sum Insured: 3 lakh to 1 Crore
|
Reliance Personal Accident Insurance |
Coverage Benefits
- Worldwide Coverage
- Child Education Benefit
- Accidental Death Benefit
Eligibility Criteria
Entry Age: 18 Years to 70 Years
Sum Insured: 5 lakh to 20 Lakhs
|
Reliance HealthWise Insurance Policy |
Coverage Benefits
- Daycare Treatment
- Domiciliary Hospitalization
- Donor Expense
Eligibility Criteria
Entry Age: 18 Years to 65 Years
Sum Insured: 1 lakh to 5 Lakhs
|
Reliance Arogya Sanjeevani Policy |
Coverage Benefits
- Room Rent Cover
- Cataract Treatment
- Daycare Treatment
Eligibility Criteria
Entry Age: 91 Days - 65 Years
Sum Insured: 1 lakh to 10 Lakhs
Critical Illness health Insurance
|
Reliance Critical Illness Health Insurance |
Coverage Benefits
- No pre-medical checkup required
- No Claim Bonus
- 10 Critical Illness Covered
Eligibility Criteria
Entry Age: 18 Years to 65 Years
Sum Insured: 5 Lakhs to 10 Lakhs
Other Health Insurance Plans
|
Reliance HospiCare Insurance |
Coverage Benefits
- Daycare Treatment
- Hospital Daily Cash (ICU)
- Hospital Daily Cash
Eligibility Criteria
Entry Age: 18 Years - 65 Years
Sum Insured: 1 Lakh - 10 Lakhs
|
Reliance Super Top up Insurance |
Coverage Benefits
- Domiciliary Treatment
- Organ Donor
- Maternity Expenses
Eligibility Criteria
Entry Age: 18 Years to 65 Years
Sum Insured: 5 Lakh to 1.3 Crore
|
Reliance Saral Suraksha Bima Yojana |
Coverage Benefits
- Death Benefit
- Permanent Disability
- Permanent Partial Disability
Eligibility Criteria
Entry Age: 18 Years to 70 Years
Sum Insured: 2.5 Lakhs to 1 Crore
Reliance General Insurance Exclusion
Below mentioned are some of the common health conditions and diseases that are not covered under Reliance General Insurance:
- Cataract
- Gout
- Arthritis
- Rheumatism
- Kidney Stone
- Hernia
- Joint Replacement Surgery
- Dental treatment or surgery
- Intentional/self-inflicted injuries
- Cosmetic, aesthetic treatment
- War/biological injuries/nuclear/chemical war
- Maternity or fertility-related conditions
- Mental illness/disorder treatment
Additional Benefits of Reliance Health Insurance
Reliance health insurance offers various types of the add-on riders along with the basic coverage benefits. Adding these additional riders to your Reliance Health Plans can enhance the coverage benefits offered under Reliance Health Insurance Health Plans by paying some extra premium amount. Below mentioned are the add-on riders offered under Reliance Health Insurance:
Guaranteed Cumulative Bonus
This benefit waives off the condition of a decrease in cumulative bonus in case of a claim in an immediate policy year.
Unlimited Reinstatement of Base Sum-insured
You will get unlimited reinstatement of 100% of sum insured amount in case your base sum insured is exhausted.
Consumable Cover
You will get the coverage for non-consumable expenses.
Double Cover
In case the Basic Sum Insured is exhausted, you will get an additional 100% of the Basic Sum Insured in a single hospitalization.
Consumable Cover
You will get the coverage for non-consumable expenses.
Change in Room-Rent Limits
You can change your room rent category as per the plan you have bought.
Reduction of PED
You can reduce the waiting period of pre-existing disease from 24 months to 12 months.
Hospital Daily Cash
Policyholders will get daily hospital cash benefit of 1K, 1.5K, 2K, and 2.5K for hospitalization up to a maximum of 30 days and 15 days for ICU hospitalization.
Change in Pre and Post Hospitalization Limit
Policyholders can enhance the limit of pre and post hospitalization to 90 and 180 days respectively.
Critical Illness Rider
This add-on rider provides complete protection against any critical illness including cancer, heart attacks, kidney failure and others. With this add-on rider, you will be able to get a lump sum amount in case you are diagnosed with a critical illness.
Network Hospitals
Reliance Health Insurance Buying Process
You can buy your Reliance Health insurance plan through the official website or the POSP advisor RenewBuy.com. Below we have mentioned both buying processes in detail:
Buy from the Reliance Health Insurance Website
- Visit the official website of “Reliance Health Insurance”
- Click on the “Health Insurance” section from the header menu
- Select your desired health insurance plan
- Click on the “GET QUOTE” button
- fill in the required details to calculate “Reliance Health Insurance Premium”
- Choose the payment method and pay the premium
- The policy document will be sent to your registered email ID
Buy from "RenewBuy.com"
- Visit the official website of "RenewBuy".
- Click on the "Health Insurance Plan" tab.
- Select the desired plan.
- Fill in all the required details.
- Click on the "Buy Now" button.
- Make payment.
- We will send the policy documents to your registered email ID
Reliance Health Insurance Claim Process
You can file two types of a claim under Reliance Health Insurance, i.e. cashless claim and reimbursement claim. Below we have mentioned both the claim processes in detail:
Cashless Claim Process
- Inform the Reliance Health company about your hospitalization
- Submit your Reliance health card and pre-authorization form along with other necessary documents at the TPA hospital desk.
- The hospital will send all the documents to Reliance General Insurance for verification.
- Once the verification is done, Reliance General Insurance approve your treatment.
- Now, you can benefit from cashless treatment at any network hospital.
- And the treatment bill will be directly settled by health insurance with the hospital.
Reimbursement Claim Process
- Intimate the Reliance Health Insurance about the hospitalization.
- Pay the treatment bill and collect all the necessary documents such as discharge summary, original bills, doctor’s prescription, etc.
- You have to submit all the original documents within 15 days of post-hospitalization to get the reimbursement.
- Once the documents are submitted, Reliance Health Insurance will verify all the documents.
- Once the verification is done, Reliance General Insurance will transfer the reimbursement amount to your bank account.
Documents Required to File Reimbursement Claim
Below mentioned are the documents required to file a reimbursement claim:
- Original hospital bills
- Original reports of diagnostic tests, radiology reports, and payment receipts.
- Valid ID Proof
- Original discharge certificate
- Doctor’s prescription
- Original medicine, and medical test bills
- Post Mortem Report (if required)
Reliance Health Insurance Renewal Process
Below mentioned are the steps to renew your Reliance Health Insurance plans in a simple and hassle-free way:
- Visit the Reliance Health Insurance official website.
- Click on the “Health Insurance Renewal” section.
- Enter your policy number and policy expiry date.
- Click on the “Renew Policy” button.
- Select the payment mode and pay the premium online
- Once the payment is made, your policy will be renewed, and the policy documents will be sent to your registered email ID.
Reliance Health Insurance Contact Details
Reliance Health Insurance offers 24/7 customer care support to their customers. Below are the contact details of Reliance General Insurance.
Office Address: Reliance General Insurance, Correspondence Unit, 2nd & 3rd Floor, Winway Building, 11/12, Block No-4, Old No-67, South Tukoganj, Near Madhumilan Square, Indore, Madhya Pradesh, India - 452001
Email Address: rgicl.services@relianceada.com
Contact Information: 022 4890 3009
WhatsApp Number: 7400422200
