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Reliance MORE Health Insurance

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Reliance Health Insurance
MORE Health 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 MORE Health Insurance

MORE Health Insurance by Reliance Health Insurance is a unique medical insurance policy that offers the benefits of multiple policies at the price of one. MORE Health Insurance is a high coverage health insurance that not only provides basic coverage, but also extra support. Available on individual and family floater sum insured basis, MORE offers coverage incurred on special treatments such as stem cell therapy/surgery, robotic surgery, etc. Specifically designed to ensure that policyholders don’t remain concerned about lapsing time, cover or money, MORE provides More Options benefits, other than the basic ones.

MoreTime, MoreCover, and MoreGlobal are the three prime special benefits that MORE Health Insurance promises to its customers when availing medical treatment during an emergency. Gaining popularity as the preferred choice of one and all, MORE Health Insurance can be relied on for coverage of medical expenses such as in-patient hospitalisation, pre & post hospitalisation, daycare procedures, domiciliary hospitalisation, organ donor expenses, AYUSH benefit, emergency ambulance, transportation benefit, and others. Easily available for a policy period of 1 year, 2 years, and 3 years, MORE Health Insurance comes with a broad sum insured range to meet diverse medical requirements of policyholders. An absolute health insurance investment, MORE Health Insurance is a one-of-a-kind Reliance Health product that helps one get more without paying more.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for Parkinson’s and Alzheimer’s disease
  • In-patient hospitalisation, due to illness/accident for more than 24 hours
  • Medical expenses for Ayurveda, Unani, Sidha and Homeopathy treatment
  • 90 days pre-hospitalisation expenses and 180 days post-hospitalisation expenses
  • Re-instatement of sum insured in the event of exhaustion of sum insured in policy year

What's Not Included

  • Expenses arising from HIV or AIDs and related diseases
  • Treatment of illness/injury due to use of alcohol, tobacco, narcotic or psychotropic substances
  • Treatment of obesity/weight control program
  • Plastic surgery or cosmetic surgery unless required owing to an accident, cancer or burns
  • Chemical reaction, radiation from nuclear or biological weapons

9120 Reliance Cashless Network Hospitals in India

MORE Health Insurance User Reviews

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What users are saying
  • All
  • More benefits than others

    There are many health insurance plans in the market but i found this one to be beneficial as it offered me many benefits. These include in patient hospitalisation expenses, medical expenses for AYUSH treatment, pre and post hospitalisation expenses and many more. I got all of it at nominal premium   

    By Farah
    On: Feb 18, 2020
  • Nominal premium .

    Out of many health insurance plans in the market, I chose this for a better tomorrow as i found it to a reliable company with a good claim settlement ratio. I have not made any claim yet but i hope that if i require this plan in future, then i get help from this investment.    

    By Dinesh Kumar Pandey
    On: Feb 18, 2020
  • Full refund on cancellation

    I purchased more health insurance plan from insurancedekho last month but did not understand my policy well and thought to not to continue with this policy during the free look period. And the company supported me by understanding my reasons. They did not create any trouble etc when i cancelled it   

    By N Nitin Yadav
    On: Feb 06, 2020
  • The services of insurancedekho...

    Insurancedekho is the best health insurance provider who understands your needs and offers you the best policy in your budget. Also it has happened with with me when i brought another policy from them that they offered me discounts also on buying family plan on paying the premium in advance for 2 years.   

    By Nidaul Halim
    On: Feb 06, 2020
  • Nice health policy

    Reliance is a trusted brand even when it comes to providing health insurance. The company has a good claim settlement ratio and even better reputation in the market. I really liked the coverage features of this plan so brought it from insurancedekho at nominal premium amount. Good job team.   

    By Karthikeyan P
    On: Jan 23, 2020

Reliance MORE Health Insurance Expert Review

  • Expert Review

    Taking care of our health is of the utmost priority. Hence, investing in health insurance is a good step to go, as it covers expenses during unforeseen situations. MORE Health Insurance by Reliance Health is a unique health insurance plan. It addresses medical and surgical expenses incurred by the insured due to an injury, disease that has led to hospitalisation. A person who wants to get value from having a longer tenure of the insurance cover would find MORE interesting.  

    True to its name, MORE is intelligently formulated health insurance that keeps consumers at the priority to always get more than what is expected. Available on an individual and family floater sum insured basis, MORE comes with three unique benefits that you can choose as per your needs: MoreTime, MoreCover and MoreGlobal. The policy can be held for a tenure of 1 year, 2 years and 3 years.

  • Major Attractions

    There is, however, more to this plan. Under the MoreTime benefit, you’ll get a 13 months plan for the price of 12 months cover and 26 months plan for a price of 2 years cover. Similarly, MoreCover lets you get Rs. 7 Lakh cover for the premium of Rs. 5 Lakh, and Rs. 13 Lakh cover for a price of Rs. 10 Lakh Sum insured. Interestingly, MoreGlobal allows policyholders to enjoy cover while travelling abroad. It means the policy remains active and provides you unexpected cover overseas up to a specified sum insured limit. The best part is that one of the three More Benefits comes free with the plan. You can choose one that suits you the most. Some other major attractions of the MORE Health Insurance policy are:

    • A discount of 10% on premium for choosing Voluntary Co-payment
    • Medical expenses for Ayurveda, Unani, Sidha and Homeopathy treatment
    • No sub-limits around room rent
    • A maximum of up to 10% premium discounts when renewing the policy
    • 10% premium discount if the policy is purchased online
    • Reinstatement of the sum insured if the sum insured gets exhausted
    • Expenses incurred up to the specified amount to use a registered radio cab to transport the Insured to and from a hospital
    • Costs of emergency ambulance per hospitalisation 
  • What’s More?

    Apart from the above benefits, MORE Health Insurance by Reliance Health also provides basic cover like pre and post hospitalisation, mental illnesses, daycare treatment, domiciliary hospitalisation, robotic surgeries, organ donor, treatment for correction of eyesight owing to refractive error, alternative treatment, etc. Besides, the policy lets you avail cashless treatment at its top network hospitals and reimbursement facility if treatment taken in non-network hospitals. Some other key highlights are:

    • Flexible sum insured options to choose
    • Life long renewal of health insurance policy
    • 15 days of free look period to understand its terms and conditions
    • Tax benefits under section 80D of the Income Tax Act
    • 30 days of grace period in the event of a break in the policy 
  • Conclusion

    MORE Health Insurance by Reliance Health is a unique policy as it gives extra cover without any additional premiums. There are hardly any health products that come with the feature of MoreTime, MoreCover and MoreGlobal. MORE gives all those medical benefits that increase the cost and often not covered by insurers like maternity, health-checkup, etc. It, in fact, gives more to its customers.

    To buy the MORE Health Insurance, choose InsuranceDekho, as it helps you understand the policy more clearly and provides professional assistance at the time of need. Also, it allows you to compare different policies and get free quotes. Further, if you have any query about the policy, you can directly call insurance experts at InsuranceDekho to clarify the same. 

Reliance MORE Health Insurance Brochure

  • 353.87 KB
  • PDF Document
  • Jul 25, 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 MORE Health Insurance Health Insurance Plan

  • What is the sum insured range for MORE Health Insurance policy?

    The sum insured options for MORE Health Insurance range between Rs. 3 Lakh to Rs. 100 Lakh.

  • What is the eligibility criteria for buying MORE Health Insurance policy?

    For MORE Health Insurance, the minimum entry age is 91 days. The maximum entry age is 65 years. 

  • What is the exit age for MORE Health Insurance policy?

    MORE Health Insurance does not come with an exit age. The policy is lifelong renewable. 

  • What is the policy period for MORE Health Insurance policy?

    MORE Health Insurance can be purchased for 1 year, 2 years or 3 years.

  • Does MORE Health Insurance come with the feature of co-payment?

    Yes! If an insured opts for voluntary co-payment, they become eligible for a discount of 10% on premium. Co-payment is applicable for each and every admissible claim.


  • What makes MORE Health Insurance different from other policies?

    MORE Health Insurance, under its basic benefits offers coverage for medical expenses incurred for special treatment including stem cell therapy or surgery, robotic surgery, treatment for correction of eyesight owing to refractive error, etc. Note that these medical expenses are covered up to a specific amount provided that a special treatment co-payment of 50% is made by the insured for each and every claim.

  • Are there any renewal benefits associated with MORE Health Insurance?

    Yes, you get MoreResults Discount! In other words, the insured gets a discount of maximum up to 10% on premium at the time of policy renewal, irrespective of claims for getting an annual health check-up performed and sharing results of the same with the insurer.

  • Does MORE Health Insurance offer family discount?

    Yes! On covering two or more family members under the same policy under individual sum insured basis, the insured gets 10% discount on premium.


  • What are the unique benefits offered by MORE Health Insurance policy?

    MORE Health Insurance offers policyholders with the option of More Options Benefits. Under More Options Benefits, the insured is given the freedom to choose between MoreTime, MoreCover, or MoreGlobal to add to the policy without paying an additional premium. In the event of no claim and policy renewal without any break, More Options Benefit with no additional premium is offered for next policy year. 

  • Will I be eligible for tax benefits on buying MORE Health Insurance?

    Yes, on insuring with Reliance Health Insurance’s MORE policy, you become eligible for tax benefits, as all premiums qualify for deduction up to the specified limit under the provisions of the Income Tax Act Section 80D.


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