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Reliance Health Gain Health Insurance

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Reliance Health Insurance
Health Gain
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 Health Gain Health Insurance

HealthGain by Reliance General Insurance is a smart plan that empowers policyholders to beat the heat of inflation and gain several benefits. Coming with an individual and family floater basis, HealthGain product offers wide coverage, discounts for a girl child and single woman, and cashless treatment at more than 4,000 top quality hospitals across the country. The health insurance company, under this plan, also provides Wellness services like discounts from chemists, free health checkup, restoration benefits, accidental death cover without any claim renewal, and accidental rider.

The Reliance Health Gain policy has 2 variants, Plan A and Plan B. Both the variants are almost the same except for certain features in cover. The policy can be bought in easy installments. Long-term discounts, a wide range of sum insured, renewability, free-look cancellation, an easy claim process, and other features make HealthGain an ultimate choice.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre and post hospitalisation expenses covered up to 30 and 60 days respectively
  • In-patient treatments, like room rent, doctor’s fee, nursing expenses, etc. up to the Sum Insured
  • Daycare treatment for specified procedures or surgeries are covered under the policy
  • Domiciliary hospitalisation (treatment at home) up to 10% of the sum insured, subject to a maximum of Rs. 50000
  • Charges for domestic road ambulance up to Rs. 1500 per claim

What's Not Included

  • Claims for medical expenses within 30 days from the day the policy purchased unless problems occur due to an injury
  • Intentional self-injury, injury under influence of alcohol, drugs or criminal acts
  • Non-allopathic, cosmetic, diagnostics, aesthetic treatment, self-medication, unproven treatments
  • Maternity, fertility-related conditions, HIV / AIDS or STDs and dental treatment
  • Expenses for injuries due to war, chemical, nuclear or biological injuries

Health Gain Plan Details

Features/PlanPlan A (3, 6, 9 Lakh)Plan B (12, 15, 18 Lakh)
Restoration Benefit
Up to 100% of SI, subject to 20% of related illness
Up to 100% of SI, subject to 20% of related illness
No Claim Bonus
Up to 100% of SI
Up to 100% of SI
Pre and Post Hospitalization
Up to 60 days
Up to 60 days
Day Care Procedure
Organ Donor
Up to 50% of SI, max of Rs. 5 lakh
Up to 50% of SI, max of Rs. 5 lakh
Domiciliary Hospitalization
Up to 10% of SI, maximum of Rs. 50000
Up to 10% of SI, maximum of Rs. 50000
Ambulance Cover
Up to Rs. 1500 per hospitalisation
Up to Rs. 3000 per hospitalisation
20% of copay if entry age exceeds 60 years of age
Initial Waiting Period
30 days
30 days
Specific Illness Waiting Period
2 years
2 years
Waiting Period of PED
3 years
3 years
Additional Features
Rs. 1 lakh personal accident inbuilt
Special Feature
5% premium discount in case of girl child or individual woman, Policy service guarantee otherwise penalty of Rs.10000, Wellness program
5% premium discount in case of girl child or individual woman, Policy service guarantee otherwise penalty of Rs. 20000, Wellness program
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2947 Reliance Cashless Network Hospitals in India

Health Gain User Reviews

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What users are saying
  • All
  • I read about the Reliance Health- Gain at InsuranceDekho and really liked the coverage benefits so bought it w...

    Read More
    By Suresh Gupta
    On: Aug 24, 2023
  • The Reliance- Health Gain has exceeded my expectations in terms of coverage and flexibility. I've had to visit...

    Read More
    By Parul Gaur
    On: Jun 19, 2023
  • If you are looking for genuine policy overviews, you must pay a visit to InsuranceDekho. Information related t...

    Read More
    By Rumela Ghosh
    On: Feb 19, 2021
  • HealthGain is a plan that offers me many benefits at nominal premium. I brought it for sum insured of Rs. 3 La...

    Read More
    By Harish Kumar SA
    On: Feb 27, 2020
  • I received a suggestion of buying this plan online from a friend. I liked the coverage features and wanted to ...

    Read More
    By Nitin Sain
    On: Feb 27, 2020

Add-ons to Enhance Benefits

  • Accidental Rider

    You can get Accidental Death Cover for No Claim Renewal under Plan B of the HealthGain policy. With this feature, an accidental death cover of Rs. 1 Lakh is provided to the policyholder at the end of every claim-free year.

Reliance Health Gain Expert Review

  • Expert Review

    HealthGain is Reliance General Health Insurance’s most popular health insurance product. A common choice, the plan is an ideal solution if you want your health insurance needs without burning a hole in your pocket. Especially, if your trust on Reliance is strong as always, rest assured HealthGain will never let you face loss, whether in terms of health or financial stability. All in all, it can be said that if you are looking forward to ensuring superior coverage of your family’s health instantly, HealthGain is the one to choose without thinking twice.

    Starting with age criteria, note that minimum entry age for children is 5 years and above. Children between 91 days and 4 years can be covered under floater with at least one member aged 21 years or above. While the maximum entry age is 65 years, there is no maximum entry age bar for sum insured of Rs. 3 Lakh. You can easily buy HealthGain on either individual sum insured basis or family floater basis. Talking about variants, the plan comes in two variants, namely Plan A and Plan B that vary in their sum insured amount and other benefits. Lastly, HealthGain comes with the sum insured range starting from Rs. 3 Lakh to Rs. 18 Lakh.

  • Major Attractions

    HealthGain has multiple features and benefits in store that are of immense help to anyone facing an unfortunate medical emergency. Inpatient treatment, pre & post hospitalisation expenses, day care treatment, organ donor expenses, domiciliary hospitalisation, and domestic road ambulance expenses, are a few basic benefits that you can expect from Reliance’s popular health insurance product. As far as the superior features are concerned, they include -

    • Call option benefit can be exercised up to 60 years of age.
    • Online Wellness solution is offered under the plan
    • Policy service guarantee: Under Plan A Rs. 10,000 and under Plan B Rs. 20,000 is paid for delay in policy issuance.
    • Accidental death cover for no claim renewal under Plan B (Rs. 1 Lakh Personal accident - Death cover for policyholder/insured)
    • Insurance renewal (one-time renewal premium waiver if the policyholder or insured suffers from named critical illness - available if you choose Plan B)
    • Reinstatement of base sum insured (one reinstatement up to 100% of base sum insured, subject to sub-limit of 20% for related illness/injury)
    • Cumulative bonus: 33 1/3 increase in base sum insured for every claim free year; maximum up to 100%. 33 1/3 decrease in base sum insured for every claim year; maximum up to cumulative bonus earned
    • Claim service guarantee: Cashless claims - 1% of claim amount for every delay of 6 business hours beyond 6 hours of receipt of all information/documents; Reimbursement claims - 1% of claim amount for every delay of 21 days beyond 21 days of receipt of all information/documents (maximum 6% for a claim amount)
  • What’s More?

    HealthGain is a complete health insurance package. The best way to fight sky-rocketing inflation in the medical field, this plan allows you to take a sigh of relief and feel free from any kind of financial pressure. The benefits offered by the plan are a big support and the key aspect that makes it an absolute choice. However, HealthGain also aims to offer added assistance through its list of vital elements that comprise -

    • Lifelong renewability as there is no exit age
    • Tax deduction under Section 80D of Income Tax Act, 1961
    • 5% premium discount on insuring a girl child or single woman
    • A special 5% or 10% family discount (depending on family size) with an individual policy
    • An extra-special 5% premium discount for Reliance Private Care Package policy customers
    • Free auto-extension of the health insurance policy for an additional year (if diagnosed with critical illness)
  • Conclusion

    An exceptional health insurance product by Reliance General Health Insurance, HealthGain can be chosen without any doubt.

    Those willing to purchase HealthGain online, you are headed in the right direction. Buying the policy online will be a better choice than offline mode as it will get issued sooner. Also, the policy terms and conditions will be more transparent. Talking about the platform of InsuranceDekho for purchasing HealthGain, policy portability, claim settlement support, and various other after-sales services offered would be of great benefit. 

Reliance Health Gain Brochure

  • 325.84 KB
  • PDF Document
  • Apr 09, 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 Health Gain Health Insurance Plan

  • Is there any additional feature in the HealthGain policy?

    Yes, under the HealthGain policy, Reliance General Insurance provides an accidental death cover of Rs. 1 Lakh to the policyholder in every claim-free year. This benefit is available in Plan B of the policy.

  • What is Policy Service Guarantee under the HealthGain policy provided by Reliance General Insurance?

    Policy Service Guarantee under the HealthGain product means the insurance company offers Sum Insured of Rs. 10,000 for the delay in policy issuance.

  • Can I gain tax benefits if I buy the HealthGain policy online?

    Yes, tax benefits can be availed in any circumstances under Section 80D of the Income Tax Act. No matter you’re buying the policy online, you’re able to enjoy tax benefits. These benefits are available for a longer period if you happen to buy health insurance at a young age.

  • Is the HealthGain health insurance plan available on the individual basis and the family floater basis?

    Yes, HealthGain health insurance plan is available on the individual basis and the family floater basis.

  • What are the key benefits of the HealthGain product?

    As an insured person, you can enjoy several benefits under the said plan, including pre and post hospitalisation expenses up to 60 days, cashless hospitalisation, reimbursement, lower premium and a wide range of sum insured options.

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