Health Insurance
Reliance
Reliance General Insurance, part of the Reliance Anil Dhirubhai Ambani Group, entered the health insurance industry in 2000 but has not gained significant market share over the past two decades. Also considering the recent trouble with the Anil Dhirubhai Ambani group, we would recommend some degree of caution while considering their plans.
Reliance Health insurance plans
Health Gain Power
Reliance Health Gain Power is a mid-tier variant within the Reliance Health Gain portfolio, offering customizable health insurance coverage with sum insured options of ₹10 lakhs, ₹15 lakhs, and ₹20 lakhs. It includes benefits such as unlimited restoration of the sum insured through an add-on (default restoration 100% once for different illness & 20% for same illness), coverage for modern treatments up to 50% of the base cover amount, pre- and post-hospitalization expenses (for 60 days each), and daycare procedures up to the cover amount. Add-ons like reduced waiting periods for pre-existing diseases, enhanced coverage for consumables, and room rent preferences make it a flexible and personalized plan.
Reliance Super Top-Up
Reliance Super Top-Up is a flexible and affordable health insurance plan designed to enhance coverage beyond the limits of a base policy. With sum insured options ranging from ₹5 lakhs to ₹1.3 crores and deductible ranges from ₹2 lakhs to ₹30 lakhs, it provides financial security for large medical expenses. The plan includes features like maternity coverage up to ₹2 lakhs, worldwide emergency cover, air ambulance benefits, and modern treatment coverage up to SI.
Health Infinity
Reliance Health Infinity is a comprehensive health insurance plan offering coverage up to ₹5 crores, making it one of the most high-value policies in the market. It includes unique add-ons such as unlimited restoration of the sum insured, maternity cover, OPD benefits, and international treatment coverage through its "MoreGlobal" add-on. The plan also provides flexible options for pre-existing disease waiting periods, discounts based on BMI and credit scores, and coverage for organ donor expenses up to the base cover amount.
Health Gain Plus
Reliance Health Gain Plus is a customizable health insurance plan offering coverage options ranging from ₹3 lakhs to ₹5 lakhs. It covers essential benefits like inpatient hospitalization, pre- and post-hospitalization expenses (60 days each), domiciliary care, and modern treatments (up to 50% of base cover amount). The plan provides flexibility with add-ons such as reduced waiting periods for pre-existing diseases, loyalty bonuses on sum insured during renewals, and room rent preferences.
Health Gain Prime
Reliance Health Gain Prime is the most premium variant within the Reliance Health Gain portfolio, offering extensive coverage options compared to other variants. It includes features like unlimited restoration of the sum insured, annual health check-ups, vaccination coverage through add-ons, and modern treatment benefits up to the base SI. The plan allows customization with add-ons such as reduced waiting periods for pre-existing diseases and room rent preferences. Designed for individuals and families, it provides flexibility and robust financial protection against medical expenses.
Reliance Health insurance claim process
Reliance claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Reliance's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Reliance Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Reliance website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Reliance health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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