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Reliance Health Insurance for Senior Citizen

The later years of a person's life are physically and financially demanding. Keeping in mind finance-related issues and failing to bear medical expenses on their own, Reliance has introduced HealthGain insurance policy - a kind of plan suitable for individuals, families, and people of the age of 65 years. So, choosing a senior citizen health insurance plan like HealthGain is a wise decision. Available in Plan A and Plan B forms, HealthGain can also be opted for on the family floater basis.

Key Features

  • Sum insured range - Rs. 3 Lakh to Rs. 9 Lakh (Plan A)
  • Sum insured range - Rs. 12 Lakh to Rs. 15 Lakh (Plan B)
  • Call option (in 5th year)
  • Cashless treatment easily available at 4,000+ network hospitals
  • Reinstatement of base sum insured
  • Special privileges for covering girl child and single women
  • Claim and policy service guarantee
  • Wellness services, etc.​

Scope of Coverage

  • Coverage for inpatient treatment
  • Pre-hospitalisation expenses covered up to 60 days
  • Post-hospitalisation expenses covered up to 60 days
  • Daycare treatment
  • Cumulative bonus
  • Domiciliary hospitalisation covered up to 10% of sum insured, subject to a maximum of Rs.50,000
  • Pre-existing diseases covered after 36 months of​ continuous coverage
  • Coverage for donor expenses - 50% of the sum insured up to max Rs. 5 Lakh, and others

Eligibility

To buy Reliance HealthGain insurance plan for elderly people, the maximum required age is 65 years. No entry age bar for an insured sum of Rs. 3 Lakh.

Exclusions​

  • Intentional self-injury
  • Arthritis (non-infective), Osteoarthritis and Osteoporosis, Gout
  • Claims raised for Joint Replacement Surgery
  • Medical treatment arising due to alcohol, drugs / criminal acts
  • Expenses incurred in Vertebrae Disorders like Spondylitis, Spondylosis, etc.​

To know more about the HealthGain Insurance policy for senior citizens, feel free to contact us at InsuranceDekho at 1800-1205-698.

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FAQs

  • Does Reliance offer senior citizen health insurance?

    Yes, Reliance General provides HealthGain health insurance to cater to the diverse medical needs of senior citizens. The plan can be purchased on an individual or family floater basis.

  • What are the benefits associated with Reliance General senior citizen health insurance?

    Mediclaim policy for senior citizens by Reliance General not only provides a 5% discount for a single woman or girl child, but also tax deductions up to Rs. 35,000 under Section 80D of the Income Tax Act. 

  • Does senior citizen health insurance at Reliance General offer re-instatement of base sum insured?

    Yes, Reliance General offers re-instatement of base sum insured, if the policyholder exhausts their total sum insured on senior citizen medical insurance policy. 

  • What are the discounts associated with Reliance mediclaim policy for senior citizen?

    The discounts offered include 5% discount for single women or girl child and 5% discount if the policyholder has Reliance Private Car Package policy. 

  • Who should buy Reliance senior citizen health insurance plan?

    Reliance senior citizen health insurance is an excellent choice for elderly who wish to safeguard their savings against medical expenses that may arise during an unexpected medical emergency situation. The maximum entry age for the plan is 65 years, so if you are below 65 years and want to insure yourself, buy HealthGain policy.

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