Quick Overview

The Reliance General health insurance (now IndusInd General Insurance) claim process is possible through cashless and reimbursement. For cashless claims, you must inform the insurer within 48 hours for emergencies and planned admissions. Then, submit a pre-authorization form, provide your health card, and settle approved bills with the network hospital directly.

As for reimbursement claims, you need to pay bills upfront, inform Reliance General as soon as possible for emergencies, and prior to admissions for planned treatments. Collect medical documents, fill out the claim form, and submit them online or at a branch. The approved amount is transferred to your bank account post verification.

Do you have Reliance General health insurance but are finding it difficult to get your claims processed? This dilemma is common for most policyholders who are unsure about opting for cashless or reimbursement claims. 

At Ditto, we make sure to explain each step easily so you know when and where to get started with the process.

This guide helps you understand how to claim your Reliance General Health Insurance:

    • On a cashless or reimbursement basis, and
    • Documents required to make a claim with key tips. 

Not sure which health insurance policy suits your needs? Book a free call or chat on WhatsApp with Ditto’s advisors now. 

Important Update!

Reliance General Insurance has rebranded to IndusInd General Insurance Company Limited following its acquisition by IndusInd International Holdings Ltd (IIHL), effective December 2025.

This change follows the takeover of Reliance Capital by the Hinduja Group in 2025. The company's support email has been updated to services@indusindinsurance.com.

How to Claim Reliance General Health Insurance?

Like every other insurer, Reliance General aims to make the claim process as smooth as possible for your convenience. Here's how to go about the steps:

  1. Reliance General Health Insurance Cashless Claim Process
    • Get admitted to any one of the Reliance General health insurance network hospitals. 
    • Show the Reliance General health card at the third-party administrator (TPA) help desk of the hospital. 
    • Fill out the "cashless request form" available across all the network hospitals. 
    • Submit the pre-authorization form, along with a copy of your health card, to the hospital at the time of admission (carry your photo ID too). 
    • Await pre-authorization from the hospital authorities who usually coordinate with the RCare Health/TPA for the claim settlement process. 
    • Email the pre-authorization form to the RCare Health/TPA along with the necessary medical details. 
    • The insured or claimant must verify and sign all the bills.
    • Leave the original discharge summary and other investigation reports with the hospital.
    • Retain a photocopy of your documents. 

Note

The insurer must decide on the request for cashless authorization immediately, usually within one hour of receipt of the pre-authorization request.

Alternatively, Reliance General will grant final authorization for discharge within three hours of receiving the discharge authorization request from the hospital.

  1. Reliance General Health Insurance Reimbursement Claim Process
    • Inform the insurer about the medical treatment within 24 hours for emergencies and 48 hours for planned treatment through either of the following ways:
    • Get the required medical treatments at the hospital of your choice.
    • Once done, pay all the bills upfront and collect the documents, such as payment receipts.
    • Submit your Reliance General health insurance reimbursement claim form and supporting documents (e.g., bills, medical reports, payment receipts, or test reports).
    • After verification, the insurer will reimburse you for the applicable expenses based on the policy terms and conditions.
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Reliance General Health Insurance Claim Form 

Here’s a snippet of the pre-authorization form provided for processing cashless claims.

Reliance General Health Insurance Claim Process/Form/Reimbursement

Here’s a snippet of the Reliance General Health Insurance reimbursement claim form:

Reliance General Health Insurance Claim Process/Form/Reimbursement

Documents Required to File a Reliance General Health Insurance Claim

  1. For Cashless Claims
    • Policy Number
    • Insured/claimant contact details (phone number, email ID, address, landmark, etc.)
    • Name of the insured/ claimant person, who is hospitalized
    • Relationship of the insured with the person who is hospitalized.
    • Name of the hospital
    • Nature of ailment (For health claims)
    • Nature of  accident (For accident cases)
    • Date and time, and location of accident (For accident cases)
    • Commencement date of the symptom of ailment​
  1. For Reimbursement Claims
    • Duly filled and signed medical claim reimbursement form
    • Proof of identity
    • A copy of the health card
    • Original prescription from the doctor in charge
    • All hospital bills, receipts, and invoices
    • A copy of the discharge summary
    • A cancelled cheque
    • A first information report (FIR) in the case of accidental injury treatments
    • Any other treatment-related documents

Remember

Always make copies of your medical documents before submitting the originals to the insurer. This ensures a seamless and quick Reliance General health insurance claim process/form/reimbursement process. 

How to Check the Reliance General Health Insurance Claim Status?

Step 1: Visit the official website of Reliance General.

Reliance General Health Insurance Claim Process/Form/Reimbursement

Step 2: Click on ‘claims’ and on ‘health insurance claim.

Step 3: Enter your policy number or claim reference number and then click on the specific form type (cashless/reimbursement). This will redirect you to the page where you can file or track your claims easily. 

Reliance General Health Insurance Claim Process/Form/Reimbursement

Why Talk to Ditto for Your Health Insurance?

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Reliance General Health Insurance Claim Process/Form/Reimbursement
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Reliance General Health Insurance Claim Process/Form/Reimbursement

Reliance General health insurance has a claim settlement ratio of 87.45% (Avg 2022-2025), meaning it has settled most claims without delays. It also has 10,000+ network hospitals and a lower complaint volume (4.31 per 10k claims).

However, there are other insurers in the market, such as HDFC Ergo or Care health insurance, that perform better in terms of claim settlement processes, network hospitals, and other key metrics. Ultimately, the insurer you choose depends on your and your family’s needs. 

If your Reliance General health insurance claim is rejected, talk to your insurer and ask if you can submit it again. Collect your missing papers and reapply. If that still doesn’t work, you can always reach out to the Ombudsman for help.

For more details on Reliance General health insurance, you can read this detailed review. 

Disclaimer: Reliance General is not a partner company with Ditto. All information gathered for this guide is based on the insurer’s official website and policy wordings. 

Frequently Asked Questions

How can I track the status of my Reliance General health insurance claim?

You can visit the official website of Reliance General health insurance and click on the ‘claims’ section. Then, enter the policy number and the form type. Then, you can access all details instantly after being redirected to another page. Alternatively, you can also use the Reliance Self-i app to track your cashless or reimbursement claims. 

Can I use the cashless facility in any hospital?

Yes, the Cashless Anywhere initiative allows you to request cashless treatment even at all non-network hospitals across India. However, cashless approval depends on Reliance General’s evaluation and the hospital’s willingness to accept the terms. Moreover, cashless claims are not allowed at excluded hospitals. In a genuine emergency, it is allowed only until stabilization, not for full treatment.

What should I do if Reliance General denies my cashless claim?

You can settle the hospital bills in full, if needed. Collect all your original documents and reports at the time of discharge. Then, you can lodge your claim with RCare Health /TPA for processing and reimbursement.  

Is there a limit to the number of claims I can make in a year with Reliance Health Insurance?

With Reliance Health Insurance, you aren't limited in the number of claims you can make within a year. However, the cumulative claim amount should be at most the sum insured under your policy. Check your specific policy documents, as certain terms regarding the number of claims might vary.

What should I do if I receive partial approval for my cashless claim with Reliance Health Insurance?

If you receive partial approval for a cashless claim, you must pay the non-approved part of the bill at the hospital. Then, you can submit these bills for a reimbursement claim, subject to the terms of your policy.

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