Reliance General Health Insurance Renewal Process

Q: What are the documents required for policy renewal?

For a 'no-change' renewal, you'll need your policy number or registered mobile number along with basic KYC. Additional documents such as recent medical reports or discharge summaries may be required if you want to increase the sum insured, add a high-risk member, or declare a new serious illness.

Q: Can Reliance refuse policy renewal?

No insurer can refuse renewal simply because you made a claim or due to age. Renewal may only be denied in cases of proven fraud, moral hazard (misuse or staged claims), or non-disclosure/misrepresentation of material facts.

Q: How many days before health insurance can be renewed?

Generally, the renewal window opens 30–60 days before your policy expires. Best practice is to renew 7–15 days before expiry to allow enough time for updating policy details, requesting a higher sum assured, adding family members, or resolving payment and KYC issues.

Q: What is Reliance General Insurance's claim process?

You can opt for either cashless or reimbursement claims. For detailed guidance, refer to Reliance General Insurance's comprehensive claim process guide.

Q: How to check the Reliance General Health Insurance policy status?

You can check your policy status via the Reliance General Insurance website, mobile app, or by calling their customer care helpline at 022 4890 3009.

Quick Overview

You can renew your Reliance General health insurance policy online through the insurer’s website or mobile app, or offline by visiting a branch or contacting your advisor. Enter your policy number or mobile number, review your details, and make the payment.

Renewing your Reliance General health insurance policy is quick and hassle-free, whether you prefer to do it online or offline. In this blog, we break down the quick steps in detail while explaining the benefits of renewing your health insurance policy on time.

How to Renew a Reliance General Health Insurance Policy?

Through the Website

Go to the Reliance General Health Insurance website.
Click on “Renewal” and then select “Renew Health Insurance.”

Reliance General Health Insurance Renewal

You will be redirected to their health insurance renewal page. Here, you can either enter your mobile number or policy number and its expiration date to log in.

Through the Reliance General Health Insurance App

Download the app via App Store or Play Store.
Log in using your mobile number.
Go to Renewals.
View your existing policy and renew.

Offline Renewal

If you prefer personal assistance, you can visit any Reliance General branch office or contact your insurance agent or advisor.

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Contact Details of Reliance General Health Insurance

To buy a new policy (Timing: 10:00 a.m. to 07:00 p.m. every day): Call +91 22 48903009 (Paid)
WhatsApp on 7400422200
For claims or renewals (Timing: 09:00 a.m. to 07:00 p.m. every day): Call 022 4890 3009
To become an agent (Timing 09:30 a.m. to 06:30 p.m. Monday-Saturday): Call 022 4890 3051
Senior Citizen helpline: +91 22 33834185
Email: rgicl.services@relianceada.com

Benefits of Reliance General Health Insurance Policy Renewal

Your Moratorium Period Continues

The moratorium period protects against unfair claim rejections after 5 years. It says that claims cannot be rejected for non-disclosure.

Preserve your No-Claim Bonus

NCB can significantly increase your sum insured, and missing the renewal date may reset this benefit.

Enjoy Loyalty Discounts

Renewing on time helps you retain benefits like wellness rewards and even early-renewal discounts.

Keep Waiting Periods Intact

A lapse could mean restarting waiting periods for pre-existing conditions, specific illnesses, maternity, etc., or you might need to purchase a new plan altogether.

Reliance General Health Insurance Renewal Grace Period

Reliance provides a grace period of 15 days for policies with monthly premiums and 30 days for other payment modes (annual/half-yearly/quarterly).

During this grace period:

You can still renew your policy
Your coverage remains inactive until renewed
Note: Claims during this time will not be accepted, or the insurer may deduct the premium before paying the claim.
Failing to renew before the grace period ends can lead to the permanent loss of continuity benefits

Note: In health insurance, there is no reinstatement after the grace period ends. Once your policy expires, you’d need to apply for a new one and go through the entire process again. Your profile eligibility will be reassessed, and you may have to pay higher premiums based on your current age, health status, and other factors.

So it’s always best to renew your policy before your actual expiry date.

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Conclusion

Renewing your Reliance General Health Insurance policy is simple and takes just a few minutes online or via the app. The key is to renew before your expiry date so you don’t lose continuity benefits, no-claim bonus (NCB), or active coverage.

If you’re unsure about your renewal terms or want to explore better plans before renewing, Ditto’s advisors can guide you. Book a free consultation call now!

Note: Reliance General Health Insurance is not a partner insurer. The above information has been taken from publicly available sources and Reliance General’s official website.

Frequently Asked Questions

What are the documents required for policy renewal?

You’ll need your policy number/registered mobile number and basic KYC for a “no-change” renewal. You must also provide additional documents (e.g., recent medical report or discharge summary) to increase the sum insured significantly, add a high-risk member (e.g., elderly parent), or declare a new serious illness.

Can Reliance refuse policy renewal?

No insurer can refuse a renewal because you made a claim or due to age. However, it can be denied in cases of proven fraud, moral hazard (misuse or staged claims), or non-disclosure/misrepresentation of material facts.

How many days before health insurance can be renewed?

Generally, the window opens 30-60 days before your policy expires, depending on the insurer. The best practice is to renew your policy 7-15 days before the expiry date. This gives you enough time to fix any issues in policy details, request a higher sum assured, add new family members, and sort out any last-minute payment or KYC problems.