Reliance Health Gain Health Insurance
Cashless Approval TAT | 4 hour Cashless Claim Processing |
Claim Settlement | 100% |
Network Hospitals | 8,600+ |
Pre-existing Disease Waiting Period | 1 year |
Special Benefits | More Cover, More time, More Global |
Starting Premium for Rs. 5 lakhs coverage | Rs. 243/month |
About Reliance Health Gain Health Insurance
Health Gain by Reliance Health Insurance is a smart health insurance plan that empowers policyholders to beat the heat of medical inflation and gain several health insurance benefits. Available as both individual and family floater plans, the Reliance Health Gain plan offers multiple benefits. The policy can be bought in easy installments and you can also get long-term discounts, a wide range of sum insured, renewability, free-look cancellation, an easy claim process, and a lot more. Read on to find out more about the Reliance Health Gain Health Insurance plan.
Reliance Health Gain Health Insurance Plan at a Glance
Coverage |
Individual and family |
Riders |
Smart Cover, Family Care cover, Convenience Cover, etc |
Variants |
Plus, Power, and Prime |
Key features |
Girl child discount, No room-rent limit, Extensive coverage, etc |
Inclusion |
Pre and post expenses, AYUSH treatment, modern treatment, etc |
Exclusion |
Any unproven treatment, Weight control treatment, Change of gender treatment, etc |
Key Features of Reliance Health Gain Health Insurance
Some of the key features of the Reliance Health Gain Health Insurance plan are as follows:
- Girl Child Discount: The Reliance Health Gain Health Insurance offers discounts for a girl child and a single woman. A maximum discount of 5% is given to girl children and single women so that they can save on the Reliance Health Gain Health Insurance premiums.
- Coverage: Reliance health insurance, 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.
- Variants: The HealthGain insurance policy has 3 variants, Plus, Power, and Prime. All the variants are almost the same except for certain features on the cover and health insurance premiums. To know about the coverage under these variants, you can check the policy document.
- No Room Rent Limit: The Reliance Health Gain Health Insurance plan comes with no limits on room rent. You can always lower or increase the hospital cash limit as well as the room type.
- Intercity Road Ambulance: This is a standout feature of the Reliance Health Gain Health Insurance plan that provides road ambulance costs up to actuals beyond 100 km.
- Additional Benefits: The Reliance Health Gain Health Insurance plan also provides enhanced coverage, smart coverage, and preventive healthcare coverage, so that policyholders can get comprehensive coverage under this health insurance plan.
Eligibility Criteria of the Reliance Health Gain Health Insurance plan
Listed below are the eligibility criteria for the Reliance Health Gain Health Insurance plan:
Parametres |
Eligibility Criteria |
Minimum entry age for adult |
91 days |
Maximum entry age for adult |
25 years |
Minimum entry age for child |
18 years |
Maximum entry age for adult |
65 years |
Policy period |
1, 2, or 3 year |
Exit age |
No exit age |
Maximum number of adults under the family plan |
Plus variant: 2 adults |
Benefits of Buying Reliance Health Gain Health Insurance Plan
Listed below are some of the reasons why you should buy the Reliance Health Gain Health Insurance plan:
- Sum Insured: The Reliance Health Gain Health Insurance offers policyholders the flexibility to choose the sum insured of their choice. With the Plus variant, they can choose the sum insured of either Rs. 3 lakhs or Rs. 5 lakhs. Under the Power variant, you can choose a sum insured of Rs. 10 lakhs, Rs. 15 lakhs, or Rs. 20 lakhs, and under the Prime variant, you can choose a sum insured of Rs. 25 lakhs, Rs. 30 lakhs, Rs. 50 lakhs, or Rs. 100 lakhs.
- Discounts: The Reliance Health Gain Health Insurance Plan offers multiple discounts such as girl child discounts, family discounts, long-term discounts, and many more. While the family discount offers discounts on family plans, long-term discounts are eligible if you are buying the plan for a longer policy term.
- Coverage: The Reliance Health Gain Health Insurance Plan provides coverage for daycare procedures, pre and post hospitalisation, organ donor expenses, AYUSH treatment, ambulance cover, room rent, restoration benefits, and many more,
- Add-ons: With the Reliance Health Gain Health Insurance Plan, you can also get additional coverage with add-ons such as restoration benefits, consumables cover, vaccination cover, annual health check-ups, and a lot more. However, to get these additional benefits, you also need to pay higher premiums.
Variants Available with Reliance Health Gain Health Insurance plan
There are three variants available with the Reliance Health Gain Health Insurance plan, Plus, Power, and Prime. Almost all the coverage is offered under these variants, yet there are a few differences that have been enlisted below:
Parametres |
Plus |
Power |
Prime |
Sum insured |
Rs. 3 lakhs/ Rs. 5 lakhs |
Rs. 10,15, 20 lakhs |
Rs. 25, 30, 50, or 100 lakhs |
Domestic road ambulance |
Up to Rs. 500 per hospitalization |
Up to Rs. 3000 per hospitalization |
As per actual expenses |
Policy service guarantee |
Rs. 10,000 |
Rs. 20,000 |
Rs. 20,000 |
Modern treatment |
Up to 50% of sum insured |
Up to 100% of sum insured |
|
Post-hospitalisation |
Up to 60 days |
Up to 90 days |
|
Organ donor expenses |
Up to 10% of SI, maximum up to Rs. 5 lakhs |
Up to 10% of SI, max up to Rs. 10 lakhs |
|
Second opinion expenses |
Up to Rs. 3000 |
Up to Rs. 5000 |
Add-ons Available with Reliance Health Gain Health Insurance plan
Some of the add-ons you can include in your Reliance Health Gain Health Insurance plan:
- Enhanced Cover: This cover includes a Guaranteed Cumulative Bonus, Reinstatement of Sum Insured, and Consumable Cover. With these covers, you can enjoy the benefits of keeping the unutilized cumulative bonus intact, restoration of the sum insured, and coverage for miscellaneous expenses, respectively.
- Smart Cover: With this cover, you can change the limits of modern treatment, get coverage for a second opinion, and expenses for vision correction.
- Preventive Care Cover: This provides coverage for annual health check-ups and vaccination expenses.
- Family Care Cover: Under this, you can get coverage for home care treatment, companion cover, and child care cover.
- Convenience Cover: This add-on allows modification in pre-hospitalization expenses limit, coverage for air ambulance, and convalescence cover.
- Reduction in PED Waiting Period: With this cover, you can get the waiting period for pre-existing conditions reduced from 24 to 12 months.
Inclusions and Exclusions of Reliance Health Gain Health Insurance Plan
Inclusions:
- In-patient Care: This includes expenses for in-patient treatment, there is no sub-limit on these expenses.
- Day care procedures: All daycare procedures are covered within the sum insured.
- Domiciliary hospitalization: This includes expenses that do not require hospitalization and the coverage offered is under the sum insured.
- Organ donor: The expenses related to organ donor is covered within the sum insured.
- AYUSH Benefit: This plan also provides coverage for alternative treatment including AYUSH, up to the sum insured.
- Ambulance cover: The cover for ambulance expenses is within the sum insured.
- Pre and post hospitalization expenses: The Reliance Health Gain Health Insurance plan also provides coverage for pre and post hospitalization expenses.
Exclusions:
- Rest and rehabilitation cure
- Weight control treatment
- Change of gender treatment
- Any injury due to involvement in hazardous activities
- Dietary supplement expenses
- Overseas treatment
- Outpatient treatment
- Any expenses due to war
- Any kind of unproven treatment
Documents Required to Buy Reliance Health Gain Health Insurance Plan
Listed below are some essential documents to buy the Reliance Health Gain Health Insurance plan:
- A duly-filled application form
- PAN card
- Aadhaar card
- Bank account details
- Pre-existing medical condition details
- Copy of previous health insurance plan
- Passport
- Income proof
- Nominee details
How to Buy Reliance Health Gain Health Insurance Plan?
Listed below are the steps in which you can buy the Reliance Health Gain Health Insurance plan:
- Visit the “Health Insurance” section on the official InsuranceDekho website.
- Choose "Reliance Health Insurance" from the list of health insurance companies.
- Then, select "Reliance Health Gain Health Insurance Plan" from the available health insurance plans.
- Read the policy documents carefully
- Upload all the necessary documents to complete the KYC process
- After finishing the KYC process, pay the premium online
- Finally, you will receive the policy document in your registered email
Claim Process of Reliance Health Gain Health Insurance Plan
You can raise two types of claims with your Reliance Health Gain Health Insurance Plan, cashless and reimbursement claims. To get your claim approved, you need to inform the insurance company about hospitalisation. In case of planned hospitalisation, you need to inform Reliance Health Insurance at least 48 hours to hospitalisation and for unplanned hospitalisation, you need to inform within 24 hours of hospitalisation.
Cashless Claims
- First, locate a nearby network hospital
- Submit all the relevant documents and policy papers to the TPA
- Fill out the pre-approval form
- The form along with the documents will be sent to the insurance company for verification
- Once Reliance Health approves all the documents, your hospital bills will be directly settled at the network hospital
Reimbursement Claim
- Choose a nearby hospital to get started with the treatment
- In this case, you need to first pay for the medical expenses from your own pocket
- Next, raise a claim on the company website
- Submit all the documents
- Reliance Health will then verify the claim request
- Once approved, all the medical expenses will be reimbursed
Health Insurance Calculator
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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/Plan | Plan 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 |
9120 Reliance Cashless Network Hospitals in India
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Add-ons to Enhance Benefits
Reliance Health Gain Expert Review
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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)
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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)
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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.
Claim Process at Reliance Health Insurance
FAQs on Health Gain Health Insurance Plan
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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.
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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.
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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.
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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.