Reliance HealthWise Health Insurance Wordings

No, no capping on the room rent is there and the room rent expenses are covered up to the sum insured amount. The plan allows you to select any room type or category.  

Yes, the policy gives its coverage up to 10% of the sum insured. It is basically offered for the cost incurred for availing the medical treatment at home which would otherwise require hospitalisation.

Yes, the treatment for critical illness is covered under the Gold variant of the HealthWise Policy.

Yes, you can get the reimbursement of cost of medical check-up up to 1% of average sum insured for individual policies and up to 1.25% for family floater covers, once at the end of a block of four consecutive years, if there are no claims reported under the plan by any member during the block.

Your pre-existing diseases can get the coverage after 4 continuous renewals under the Standard variant of the plan, while under Silver and Gold variants you get the coverage after 2 continuous renewals.