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Reliance Health Insurance

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Reliance Health Insurance
Cashless Approval TAT4 hour Cashless Claim Processing
Claim Settlement100%
Network Hospitals8,600+
Pre-existing Disease Waiting Period1 year
Special BenefitsMore Cover, More time, More Global
Starting Premium for Rs. 5 lakhs coverageRs. 243/month

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Reliance Health Insurance Plan List

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About Reliance

Reliance General Insurance Company Limited is an Indian private insurance company, which is a part of Reliance Anil Dhirubhai Ambani Group and wholly-owned by Reliance Capital. It was established in 2000 and gained the license to conduct general insurance business in India from the Insurance Regulatory Development Authority of India (IRDAI) in the same year. The insurer provides insurance solutions across the domains of motor, health, travel, home, marine and fire.

The insurance provider has 139 offices and 28,900+ intermediaries across the country, where its team is indulged in delivering innovative products and offering incomparable customer service. The Reliance General Health Insurance offers a diverse range of health insurance products that comprise individual plans, family floater plans, critical illness plan, group mediclaim health insurance policy to meet the healthcare requirements of various customer segments. The objective of this insurer is to develop affordable insurance plans which are accessible to all.

Reliance General Health Insurance Premium Calculation

The premium amount of health insurance plans get influenced by a range of factors. The information about these kinds of factors helps in choosing the right health insurance policy according to needs and budget. Below are the factors, which can impact the amount of premium health insurance plans of Reliance General Health Insurance:

  • Age – People of a young age are less susceptible to illnesses than old age people. It denotes that old people will have more frequent visits to hospitals in comparison to young people. Due to this, insurance providers have to offer more compensation to old people for their medical expenses. Hence, the premium amount increases with age.
  • Family Medical History – People who belong to a family with a medical history of specific illnesses such as hypertension, diabetes, cancer, cardiovascular diseases, etc., could be asked to pay a higher amount of premium compared to people with a healthy family medical history. So, family medical history holds an impact on the amount of premium.
  • Unhealthy Habits – People having the habit of smoking, drinking, chewing tobacco and injurious substances on a regular basis are more prone to diseases. The insurance providers offer health insurance policies to such types of people at higher amounts of premiums. The lifestyle and habits can impact the premium amount of a health insurance plan too.
  • Occupation – People involved in the occupation with an amount of risk are charged with a higher premium than those who have a profession with little or negligible health risk. For example, a person working in a coal mine will have to pay a higher premium than someone who works in a school or any corporate office.
  • Sum Insured – People holding a health insurance plan with a higher sum insured have to pay for a higher premium amount that makes insurance providers entitled to offer a higher amount of compensation to policyholders during a medical emergency. It is always suggested to choose the sum insured amount exactly as per the budget and requirement.

Top Health Insurance Plan Types Offered By Reliance General Health Insurance 

Reliance General Insurance offers several health insurance plans to its customers. Following are the top 5 health insurance policies offered by Reliance General Health Insurance:

1. Reliance HealthGain Insurance Policy - This health insurance plan gives healthcare protection for an individual as well as a family under a single sum insured. It offers a wide range of sum insured from Rs. 3 lakh to Rs. 18 lakh. The plan offers coverage to people from the age of 3 months to 65 years with a lifelong renewability option. The features of this plan include in-patient treatment, pre-hospitalisation and post-hospitalisation costs, donor expenses, day care procedures, etc. It gives a cumulative bonus with a 33.3% increase in the sum insured for every claim-free year maximum up to 100%.

2. Reliance HealthWise Insurance Policy - It is a complete family healthcare policy that offers coverage to people with a family of maximum four persons comprising self, spouse and dependent children. The plan has three variants namely Standard Plan, Silver Plan and Gold Plan. The sum insured options this plan ranges from Rs. 1 lakh to Rs. 5 lakh and entry age varies from 3 months to 65 years that can be extended with a lifelong renewal option. The key benefits of this plan are in-patient treatment, day care procedures, domiciliary hospitalisation, health check-up, critical illness treatment, etc.

3. Reliance Health Infinity Insurance Policy - The plan covers medical expenses incurred on hospitalisation due to an injury or any illness in India or abroad. The plan holds some innovative features such as MoreCover that gives extra sum insured, MoreTime that offers extended policy term, and MoreGlobal that provides medical coverage abroad. The sum insured options of this plan range from Rs. 3 lakh to Rs. 1 crore. The policy offers coverage for people from 3 months to lifelong with constant renewals. The salient offerings of this plan include in-patient treatment, day care treatment, restore benefit, organ donor cover, AYUSH benefit and so on.

4. Reliance Critical Illness Insurance Policy - This policy provides you and your family with financial assistance through a lump sum amount or fixed compensation benefit for the treatment of 10 critical illnesses such as cancer, bone marrow transplant, kidney failure, open-heart surgery, and so on. The plan offers varying sum insured options from Rs. 5 lakh to Rs. 20 lakh. The minimum entry age is 18 years while the maximum entry age is 65 years, which varies with the sum insured amount. However, the plan comes with a lifelong renewability option.

5. Reliance Arogya Sanjeevani Insurance Policy - It is a simple and affordable health insurance plan that is available as an individual as well as on a family floater basis. The sum insured options under this plan ranges from Rs. 1 lakh to Rs. 5 lakh. This plan can be availed by persons between the age of 18 years and 65years, as proposer, but, there is no maximum cover ceasing age on continuous renewals. The coverage benefits of this plan are in-patient hospitalisation, AYUSH treatment, cataract treatment, day care procedures, emergency ambulance cover, etc.

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A top-up health insurance plan is designed to offer you additional coverage after your existing health insurance policy gets exhausted for covering the medical expenses incurred due to hospitalisation. You should purchase this health insurance plan to get an extra sum insured amount subject to deductible to get your other claim covered in a financial year after your existing policy’s threshold limit is crossed during a medical emergency.

You can also buy the best health insurance plans at home with InsuranceDekho.

Why Choose Reliance General Health Insurance?

Reliance General Insurance provides a vast range of offerings to its customers. Some of them are as follow:

  • Fast Policy Issuance – The insurance provider promises to deliver the health insurance policy to its customers within 10 seconds. This service of fast issuance of policy offers a lot of relief and satisfaction to its customers.
  • 24x7 Claim Assistance – The insurer offers 24/7 claim assistance to its policyholders. It means you can connect with the claim assistance team of the insurance provider anytime and whenever you need.
  • Video Chat Customer Support - The experts of insurance providers are available on video chat between 9:30am to 6:30pm from Monday to Saturday to help their policyholders. It enhances the transparency between the customers and insurer team.
  • Awards and Recognitions - The Reliance General Health Insurance has been conferred with several awards for its unparalleled services such as KamiKaze Awards 2019, ETEdge Award 2019, Digital Transformation Awards 2019, ET Now BFSI Awards and so on.

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Network Hospitals of Reliance General Health Insurance 

The network hospitals are the healthcare facilities or hospitals which are associated or recognised with the insurance provider. The policyholders of the insurer can avail the cashless treatment in such hospitals. When any insured member gets treatment in a network hospital, the insurance provider directly pays off the medical expenses to the network hospital on behalf of the policyholder. The insurance providers with a wide network of hospitals are always preferred like Reliance General Insurance, which has a network of 7,300+ hospitals. It increases the possibility of finding a cashless treatment offering hospital nearby any location across the nation.

2947 Reliance Cashless Network Hospitals in India

Reliance General Health Insurance Tax Benefits

The Reliance Health Insurance Policy insures your health as well as your savings. The policyholders of the insurer are allowed to get tax waivers from their taxable income which equals the amount of their premium, as per section 80D of the Income Tax Act. Here are the tax benefit details that can be availed with the Reliance health insurance plans:


Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children


When Policyholder and Parents are below 60 years

Rs. 25,000

Rs. 25,000

Rs. 50,000

When Policyholder and family members are below 60 years with parents above 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When Policyholder, family members and parents are above 60 years

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of HUF

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-resident Individuals

Rs. 25,000

Rs. 25,000

Rs. 25,000

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Reliance General Health Insurance Claim Settlement Ratio

The Claim Settlement Ratio (CSR) of an insurance company is defined as the percentage of insurance claims settled by the insurer in comparison to the total number of claims received in a financial year. The Claim Settlement Ratio of the health insurance section of Reliance General Health Insurance in the last two consecutive years is recorded as:

Financial Year

Claim Settlement Ratio

FY 2018-2019


FY 2019-2020


(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

Reliance General Health Insurance Claim Process

The health insurance claim process is a procedure under which an insured person raises a claim request with the insurance provider against the medical expenses incurred due to hospitalisation during a medical emergency. A process of a health insurance claim can be processed in two ways such as cashless claim and reimbursement claim.

What is the Cashless Claim Process of Reliance General Health Insurance?

When an insured individual gets medical treatment at a network hospital of his or her insurance provider, the claim request is processed in a cashless manner, where the medical bills are directly paid off to the hospital by the insurer.

Here are simple steps to raise a health insurance cashless claim with Reliance General Insurance:

Step 1: Intimate the Insurer
Intimate Reliance General Insurance about your admission at least 48 hours before admission, in case of planned hospitalisation, and within 24 hours of admission, in case of emergency hospitalisation at 1800-3009.

Step 2: Pre-Authorisation Request
Approach the insurance helpdesk of the network hospital and show them your Reliance Health card, Photo ID, and the medical reports. Also, get the ‘Claim Request Form’ from them and submit it after getting it duly filled and signed by the policyholder. The hospital will share all the details and documents of the insured person with the insurer.

Step 3: Verification of Documents
The claim settlement team of the insurer will process the request of the policyholder for authorization after receiving complete and relevant information of the insured person. They will make a thorough examination of the claim request form, medical documents and other details provided to them.

Step 4: Claim Approval
If our claim settlement team finds the submitted documents or details inadequate, they may ask for some more. They can reject the claim requests as well if they find the provided bills, documents or details insufficient or false. In such conditions, the policyholders will have to pay for their medical bills on their own but can submit the claim documents for reimbursement.

Step 5: Settlement of Claim
If the claim settlement team of the insurance provider finds all the provided bills, documents and details appropriate and valid, then the insurer will coordinate with the network hospital directly and pay for the admissible claim amount after the insured patient is discharged.

How To Make A Reliance General Health Insurance Reimbursement Claim?

Whenever a policyholder gets medical treatment at a non-network hospital of Reliance General Health Insurance, the reimbursement type of claim settlement is processed. Under this procedure, the policyholders have to pay for their medical bills, but later they can raise a claim reimbursement request with their insurance provider.

Here are the steps to raise a health insurance reimbursement claim with Reliance General Health Insurance:

Step 1: Avail Medical Treatment
Avail the medical treatment at a non-network hospital and make complete payment of the hospital bills. Collect all the original medical documents, forms, bills and invoices, and certificates signed by the attending surgeons and physicians.

Step 2: Submit Required Documents
Submit the completely filled and signed claim request form along with the necessary documents to the Reliance General Health Insurance. The claim documents as listed in the policy terms have to be submitted by the policyholder to the insurer within 30 days from date of discharge.

Documents required for Reliance General Health Insurance Reimbursement Claim

  • Duly completed and signed claim form, in original
  • Doctor’s referral letter advising hospitalisation
  • Doctor’s prescription advising drugs, diagnostic tests and consultation
  • Original bills, receipts and discharge card from the hospital or doctor
  • Original bills from pharmacies or chemists
  • Original pathological or diagnostic test reports, and payment receipts
  • Ambulance receipt and bill
  • First Information Report or Policy Final Report, if applicable
  • Post Mortem Report, if available
  • Final hospital bill and payment receipt

Step 3: Verification of Documents
The claim settlement team of Reliance General Health Insurance will verify the claim form and medical documents provided. On finding them insufficient, they can ask for some more details or documents from the policyholder or can even reject the claim request.

Step 4: Settlement of Claim
The claim settlement team of the insurance provider on finding all the details and medical documents accurate and valid will approve the claim request of the insured person. After that, the insurer will reimburse the admissible amount arising after making relevant deductions for co-payments, sub-limits, etc, to the policyholder.

Claim Process at Reliance Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Benefits of Reliance Health Insurance Plans

Here are the salient health insurance benefits under the health insurance plans of Reliance General Health Insurance:

  • Auto-Refill of Sum Insured – The base sum insured will be automatically restored once if policyholders exhaust the same during the policy period. This auto-refill option infuses a huge sense of support and satisfaction in policyholders during a medical emergency.
  • Lifelong Renewability – This benefit of lifelong renewability allows policyholders to be associated with the health insurance plan and continue to avail its benefits till lifetime under with continuous renewal of the plan without any break.
  • Portability Option – The portability option gives policyholders an easy chance to switch their existing health insurance plans into a similar kind of health insurance policies of this insurance provider without losing their current benefits.

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What All Is Covered Under Reliance General Health Insurance Policies?

Policyholders can avail of the following inclusions under the health insurance plans of Reliance Health Insurance

  • In-Patient Hospitalisation – Under this benefit, the insurer offers medical coverage up to the sum insured amount for illnesses and injuries of the insured person, when he or she is hospitalized for more than 24 consecutive hours. It covers the expenses of room and boarding, nursing charges, doctor’s fee, oxygen, blood, drugs and medicines, and so on.
  • Pre-Hospitalisation and Post-Hospitalisation Expenses – The insurer gives compensation for medical expenses incurred within 30 days prior to hospitalisation and within 60 days after the discharge from the hospital for the same disease or injury for which hospitalisation is done. This period of pre-hospitalisation and post-hospitalisation may vary from policy to policy.
  • Day Care Procedures – It refers to any surgery, treatment or procedure, which requires less than 24 hours of hospitalisation due to technological advancement. The insurance provider will compensate for medical expenses arising due to a day care treatment or procedure up to the sum insured limit.
  • Domiciliary Hospitalisation – In this case, the insurer offers coverage for medical treatment at home for an illness or injury which in the normal course would require treatment and care at a hospital. The benefit is provided only if the insured person is not in a condition to move to a hospital or due to unavailability of room in a hospital.
  • Organ Donor Expenses – The insurer will compensate for any medical expense incurred on the harvesting of the organ from the donor for up to 50% of their sum insured subject to a maximum of Rs. 5 lakhs. This option brings a huge relief to policyholders and insured persons during a transplant.

What All Is Not Covered Under Reliance General Health Insurance Policies?

Policyholders can not avail the following exclusions under the health insurance plans of Reliance Health Insurance:

  • Cost of external products - Cost of spectacles and contact lenses, hearing aids, dentures, artificial teeth and all other similar external products will not be covered by the insurance provider.
  • War-like Conditions – Treatment of injuries or illnesses incurred due to war or any act of war, nuclear or biochemical attack, acts of foreign enemies, civil war, and so on, will not get the coverage by the insurer.
  • Cosmetic or Plastic Surgery – The insurance provider will not offer coverage for expenses arising due to cosmetic treatments, plastic surgery, or any aesthetic procedure unless necessitated by injury, burns, etc, or prescribed by the physician.
  • Alcohol or Drug Abuse – The insurer will not be entitled to cover the treatment of injuries or illnesses sustained due to the use, misuse or abuse of alcohol, tobacco and related products, drugs, etc
  • Self-Harming Actions – The insurance provider will not compensate for the medical expenses arising due to the treatment of injuries or illness sustained due to committing or attempting any action related to self-injury or attempted suicide.

The above-mentioned inclusions and exclusion may vary from plan to plan offered by Reliance Health Insurance.

Reliance General Health Insurance Policy Terms

Following are the descriptions of the terms of health insurance policy features offered by the Reliance General Insurance. However, the conditions of these insurance-related offerings may vary from policy to policy:

Minimum Age of Entry

91 days

Maximum Age of Entry

No Limit

Policy Renewal

Reliance General Insurance offers the option of lifelong renewability to its policyholders. To avail this benefit, they just have to continuously renew their plans at the end of every financial year. It will keep them associated with the policies of the insurer for a lifetime and help them continue to avail its features and benefits.


Co-payment is a cost-sharing requirement under a health insurance policy, where the policyholder or insured member will bear a specified percentage of the admissible costs. Under the plans of this insurer, 20% co-payment is applicable per claim for insured persons whose age is 61 years or above at the time of entry, in case of individual coverage and 20% co-pay is applicable for all the insured persons, if the eldest member is 61 years or above, in family floater coverage.

Waiting Period

30 days of waiting period is applicable for any type of treatment, except for the treatment of illnesses or injuries sustained by an accident. Also, pre-existing diseases are covered only with 36 consecutive months of continuous coverage.

How to Purchase Health Insurance Offered By Reliance General Health Insurance at InsuranceDekho?

Policyholders can buy best health insurance policies of Reliance General Health Insurance through online and offline methods at InsuranceDekho.

Buy Health Insurance Plan Offered By Reliance General Health Insurance Online at InsuranceDekho

Here are the steps to buy health insurance offered by Reliance General Health Insurance at InsuranceDekho:

Step 1: Visit InsuranceDekho website, i.e, and click on the ‘Health’ tab.

Step 2: Select your Gender. Then, enter your Name and Mobile Number. This will get you an OTP, please enter that.

Step 3: Select the time from the drop-down options as to when you want to purchase the insurance policy. Click on ‘View Instant Quotes’ to continue.

Step 4: Select the family members you want to include in the health insurance plan and click on the ‘Continue’ button.

Step 5: Select the age of the family members you have included in the policy and click on the ‘Continue’ button.

Step 6: Enter your Email ID and City and click on the ‘Submit and View Quotes’ button. Multiple insurance plan quotes will appear as per your selections. Select the one that best suits your requirements.

Step 7: Select the policy term of the selected health insurance policy. Fill the required details and make the payment to complete the purchase process.

Buy Health Insurance Plan Offered By Reliance General Health Insurance Offline at InsuranceDekho

To buy a health insurance plan offered by Reliance General Insurance offline at InsuranceDekho, you can get in touch with us at 7551-196-989 between 9.30 AM to 6.30 PM (Monday-Sunday). For any assistance, you can also write to us at

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Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 50 Lacs+ happy customers

Reliance General Health Insurance Renewal Process

The renewal process helps policyholders to stay associated with a health insurance plan of Reliance General Health Insurance and can continue to avail its benefits. The renewal process allows some modifications in the plan which includes the sum insured enhancement, including the add-ons, and so on, to make policyholders prepare themselves against future medical emergencies in a better way.
Here are the simple steps to renew a health insurance policy offered by Reliance General Health Insurance:

Step 1: Visit the website of Reliance General Insurance i.e.,

Step 2: Please enter the policy number of 16 or 18 digit or enter your 10 digit mobile number and click on ‘Pay Renewal Premium’ button

Step 3: Go through the details of health insurance plans and premium amount for renewal

Step 4: Pay for the amount of health insurance policy online through the insurer's payment gateway.

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FAQ About Reliance Health Insurance

  • What is the re-instatement of Base Sum Insured?

    This means that the insurer will refill the sum insured without any extra cost in case you exhaust your entire sum insured and cumulative bonus if any but still require hospitalisation.

  • What is a co-payment?

    A co-payment or co-pay in health insurance refers to cost-sharing requirements under a health policy. In it, the policyholder pays a specified percentage of the admissible cost. The remaining amount is paid by the insurance company.

  • Is pre-policy check-up covered?

    No, you need to pay for the cost of pre-policy examination directly to the diagnostic center or the doctor. Reliance General Insurance will coordinate the appointment with its empanelled or diagnostic center.

  • Does Reliance General Insurance pay the complete amount in case of a cashless treatment?

    The insurance company pays towards all admissible charges up to the limit of your sum insured.

  • What is the grace period to renew a policy online?

    The grace time is 30 days immediately following the premium due date of the policy.

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