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Reliance Critical Illness Health Insurance

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Reliance Health Insurance
Critical Illness 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

About Reliance Critical Illness Health Insurance

Reliance General Critical Illness Insurance is a critical illness health insurance plan. The plan is a fixed benefit plan which means that a pre-defined amount of benefit is paid in lump sum in case of a claim. This benefit is independent of the actual medical costs incurred by the policyholder. Moreover, the claim can be used by the policyholder to pay for the medical expenses or to meet any other expenses as per his/her discretion.

The plan covers specified critical illnesses, both life-threatening and lifestyle disabling in nature. There are three sum insured options to choose from and the policyholder can choose the most suitable coverage level. The policy also comes with a long-term coverage perspective as coverage can be taken on an annual basis or for a continuous period of three years. The premiums are not very high and the amount of premium paid also qualifies for a tax deduction.

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Key Inclusions and Exclusions of the Plan

What's Included

  • A total of 10 critical illnesses are covered by the plan
  • Coma quadriplegia is also covered under the plan
  • Illnesses which impair the lifestyle of the policyholder like coma, heart valve repair or replacement, total blindness, etc.
  • Life-threatening illnesses like cancer, multiple sclerosis, major organ transplant, and burns
  • Sum insured levels available with the plan include Rs. 5 Lakh, Rs. 7 Lakh and Rs. 10 Lakh

What's Not Included

  • Pre-existing illnesses which the insured suffered from at the time the policy was bought
  • Illnesses due to pregnancy or childbirth are not covered under the policy
  • Treatment for the infections due to HIV, AIDS or STDs
  • Illnesses due to war, nuclear contamination, strike, riot, etc. are not covered under the plan
  • The treatment related to cosmetic surgery is excluded

9120 Reliance Cashless Network Hospitals in India

Critical Illness Insurance User Reviews

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What users are saying
  • All
  • Great fixed benefit plan

    Critical illness insurance plan covers 10 critical illnesses like cancer, burns, organ transplants, etc. It come with sum insured option of Rs. 5 Lakh, Rs. 7 Lakh, and Rs. 10 Lakh. The plan covers Coma quadriplegia is also covered under the plan. I hope that this plan work well for me   

    By Tushar Bhaskar Yadav
    On: Feb 27, 2020
  • Can give it a try.

    I was unsure of the benefits under this plan and therefore got in touch with the customer care executives at isurancedekho and they told m ethat apart from critical illnesses, this plan also covers me for Illnesses which impair the lifestyle of the policyholder like coma, heart valve repair or replacement, total blindness, etc.

    By Dipesh Sisodiya
    On: Feb 27, 2020
  • No plan can beat this

    No plan in the market can beat this critical illness plan from reliance. The plan is high on benefits and the insurer is high on commitments and assurance to the policyholders. The buying process was smooth as butter for me as I chose insurancedekho for my insurance needs. Good job team  

    By Deepak Nagpal
    On: Feb 04, 2020
  • I hope this plan proves to be ...

    The plan I high on benefits which is why I got convinced in purchasing this. And also I had trust on Insurancedekho as my brother had also purchased a policy from them last year and it really helped him at the time of need.  

    By Dinesh Singh
    On: Feb 04, 2020
  • Had average experience

    With this critical illness plan from reliance general, i have been benefited a lot. It is a fixed benefit plan that pays a pre-defined amount of benefit in lump sum in case of a claim. I was bale to cover my other expenses as well with the amount received on claim.   

    By Sukrit Kumar
    On: Jan 16, 2020

Reliance Critical Illness Insurance Expert Review

  • Expert Review

    Critical illness insurance is undoubtedly a life saviour. It helps you safeguard your physical & mental health as well as financial stability from going downhill within no time. So, if you have been looking for a health insurance plan to get prepared for an unfortunate medical situation, Reliance’s Critical Illness Insurance will serve your purpose well.

    Reliance General Health Insurance’s Critical Illness Insurance is an ideal choice for those who fear a life-threatening medical condition, owing to their stressful and unhealthy lifestyle. Talking about its eligibility criteria, Critical Illness Insurance has a minimum entry age of 18 years and above. The maximum entry age for the policy with Rs. 10 Lakh sum insured is 55 years, 65 years for the policy with a sum insured Rs. 5 Lakh, and 60 years for the policy with Rs. 7 Lakh sum insured. You can opt for this policy on individual sum insured basis for 1 year or 3 years. Critical Illness Insurance comes with a wide range of sum insured options that include Rs. 5 Lakh, Rs. 7 Lakh, or Rs. 10 Lakh.

  • Major Attractions

    Critical Illness Insurance policy offered by Reliance provides you with a lump sum payment on being diagnosed with any of the covered critical illnesses or required to undergo covered surgeries. A major point to note with the policy is that it covers critical illnesses based on two categories, namely Category 1 and Category 2. While Category 1 covers life-threatening diseases such as Cancer, Major Organ Transplant, Multiple Sclerosis, and others; Category 2 provides coverage for lifestyle disabling diseases like Total Blindness, Heart Valve Replacement or Repair, Coma of Specified Severity, and others. Other key features of the policy include -

    • Coverage for 10 critical illnesses
    • Lump sum payment on diagnosis
    • No need to undergo medical test up to the age of 45 years
    • Coverage for life-threatening and lifestyle-disabling diseases​
    • Support for focusing on recovery rather than illness and expenses
    • The freedom to change your nominee in the mid-term of the policy
    • The freedom to use the lump sum amount and plan your treatment as per your requirements
    • The option of purchasing Critical Illness Insurance Policy online through various payment options including Net Banking, UPI, Debit/Credit card etc. as per your convenience
  • What’s More?

    A value for money policy, Critical Illness Insurance is definitely an asset under Reliance General Health Insurance. Not only the policy offers one the satisfaction of being financially secure at a critical time, but also provides gains that add to its value even more. Other than the prime features, vital benefits offered by Critical Illness Insurance include -

    • Tax deduction under Section 80D of Income Tax Act, 1961
    • Renewal discount of 5% of the base premium on each claim-free renewal.
    • Maximum overall discount of 50% over all claim free periods
  • Conclusion

    On the whole, Critical Illness Insurance by Reliance can be relied on to ensure superior critical illness treatment and mental satisfaction of not being financially stressed during medical contingencies.

    If you are interested in purchasing Critical Illness Insurance policy, it is recommended to make an online purchase so that the policy gets issued without any delay. You can also choose InsuranceDekho as your online platform to make the purchase and benefit from claim settlement support, policy portability, and other after-sales services that the company has in store for its prestigious customers.

Reliance Critical Illness Insurance Brochure

  • 141.15 KB
  • PDF Document
  • Jun 03, 2019

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.

FAQs on Critical Illness Insurance Health Insurance Plan

  • At what age can the policy be bought?

    The minimum age required for buying the policy is 18 years and the maximum age depends on the coverage level opted by the insured. If the sum insured is Rs. 5 Lakh, the maximum entry age is 65 years. If the coverage level is Rs. 7 Lakh the maximum entry age is 60 years and for coverage level of Rs. 10 Lakh the maximum entry age is 55 years.

  • What are the conditions on pre-entrance medical check-ups?

    If the insured is aged 45 years and above, pre-entrance medical check-ups would have to be done to buy the policy. These tests would be done at the empanelled diagnostic centres of the insurance company.

  • What is the meaning of waiting period and what period is applicable under the plan?

    Waiting period means that period, after the inception of the policy, during which coverage is not available under the plan. For critical illnesses suffered, the waiting period applicable is 90 days from the policy start date.

  • How is the premium for the plan calculated?

    The premium is calculated depending on the age of the insured, the sum insured chosen, medical history and the coverage tenure.

  • Is there any no claim discount available under the plan?

    Yes, if no claim is made in any policy year, the company offers a premium discount of 5% in the next year’s premium amount. Policyholders can claim a discount of 5% for every claim-free year subject to a maximum aggregate discount of 50%.

  • How many times can a claim be made under the plan?

    The plan allows for only one claim. Once the claim is made and settled, the policy would be terminated.

  • Can the policy be bought online?

    Yes, Reliance General Insurance Company allows individuals to buy its Critical Illness Insurance policy online.

  • How can the premium be paid online?

    For paying premiums online the policyholder can choose any mode of valid payment like credit cards, debit cards, net banking facility, UPI system, etc.

  • Would a claim be paid if there is another health insurance plan owned by the insured?

    Yes, a claim under the critical illness policy would be paid irrespective of any other plans held by the insured from which he/she is receiving claims.

  • What is the tax benefit on premiums paid?

    Premiums paid, up to Rs. 25,000 for individuals below 60 years and up to Rs. 50,000 for individuals aged 60 years and above, can be availed as a deduction under Section 80D.

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