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.

Reliance Health Gain Insurance User Reviews

260 reviews Rate This

Reliance

Highlights

Cashless Approval TAT	4 hour Cashless Claim Processing
Claim Settlement Ratio	99.90%
Network Hospitals	10,000+
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

Health Insurance Calculator

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

Rating of Health Gain

4.1

Based on

29 User reviews

Great coverage
I read about the Reliance Health- Gain at InsuranceDekho and really liked the coverage benefits so bought it without any second thought. I will recommend everyone to buy the policy by following a few easy steps online.
S
Suresh Gupta
On: Aug 24, 2023
Complete flexibility
The Reliance- Health Gain has exceeded my expectations in terms of coverage and flexibility. I've had to visit various specialists, and the policy has covered a significant portion of the costs. The online portal is user-friendly, allowing me to easily track claims and manage my policy. I'm grateful for this policy from InsuranceDekho.
P
Parul Gaur
On: Jun 19, 2023
Policy overviews are genuine
If you are looking for genuine policy overviews, you must pay a visit to InsuranceDekho. Information related to the claim settlement, business volume of an insurance company, renewability of a health plan, and a number of network hospitals assist a customer to make a well-informed decision. I am very happy with the Reliance General’s Health Gain plan.
R
Rumela Ghosh
On: Feb 19, 2021
Cover for many expenses.
HealthGain is a plan that offers me many benefits at nominal premium. I brought it for sum insured of Rs. 3 Lakh and people can buy it until 65 years. In case of any doubt, get in touch with the customer care executive who will give you a plan with maximum benefits.
H
Harish Kumar SA
On: Feb 27, 2020
Very nice plan!
I received a suggestion of buying this plan online from a friend. I liked the coverage features and wanted to get covered under it. So got in touch with the customer care executives and asked about the buying process. They helped me and I got it within 5 minutes. Thanks to them
N
Nitin Sain
On: Feb 27, 2020

Why to Buy Health Insurance Policy Online from InsuranceDekho

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

No regret to buy
What else can you ask for under a plan that offers you almost all the benefits like cover for domestic ambulance charges up to a certain limit, day care treatment, domiciliary hospitalisation cover, in-patient hospitalisation expenses, and pre and post hospitalisation expenses, restoration benefit etc. I really liked this plan because of its benefits
A
Abhinav Gogoi
On: Feb 04, 2020
Unlimited benefits under this plan
Health gain plan is really good deal to buy from insurancedekho. They will explain you all the inclusions and exclusions so that you can decide if the plan suits you the best. You can also compare their other policies online too on their website by filling your details and clicking on get quote
R
Radhe Shyam
On: Feb 04, 2020
They have network hospitals across India
Health gain is offered by reliance general under which I am covered since more than a year now. I purchased this plan on the advice of insurancedekho’s people and i think i made the right decision. The company has a good number of network hospitals which benefitted me for cashless hospitalisation
V
Varun Shivhare
On: Jan 16, 2020
Availed cashless treatment last month
I have this plan for a sum insured of Rs. 3 Lakh and i get many benefits under this plan like cover for pre and post hospitalisation expenses for a number of days, cover for daycare treatment, domiciliary hospitalisation treatment, charges for domestic road ambulance etc and took cashless treatment also once
A
Abhishek Arun
On: Jan 16, 2020
Average claim experience
I have two health insurance plans.. One from reliance general and other one from apollo munich.. Iam paying premium slightly higher for apollo munichs’ plan than reliance’s plan. And it covers my entire family with many coverage features in sum insured of 3 lakh..
S
Saroj Maheshwari
On: Dec 30, 2019

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FAQs

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.

View All

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.

Reliance Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Reliance Health Insurance
1800-300924x7
rgicl.services@relianceada.com