Reliance MORE Health Insurance
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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 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
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Reliance MORE Health Insurance Expert Review
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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
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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
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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.
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Claim Process at Reliance Health Insurance
FAQs on MORE Health Insurance Health Insurance Plan
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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.
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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.
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What is the policy period for MORE Health Insurance policy?
MORE Health Insurance can be purchased for 1 year, 2 years or 3 years.
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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.