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 Plus
Reliance Health Gain Plus is a decent plan that does most things you expect from a health insurance plan. You can customise the accommodation type you’d prefer. You can reduce your waiting periods through add-ons. You can avail a loyalty bonus (on your sum assured) during renewal and you can buy the policy at a reasonable premium. The only downside is that Reliance General has had a tough few years due to the precarious financial situation of their erstwhile promoter Anil Ambani. Will things start looking up for the insurer soon? Well, that’s a bet you will have to make if you are buying the plan. Also, note that the Plus Variant only offers cover options of 3 to 5 Lakh.
Reliance Super Top-Up
Reliance Super Top Up is a decent Super Top Up plan. You can pick Sum Insured options of up to 1.3 Crores with a range of deductible options (6L-30L). Alongside this, you also get access to maternity benefits of up to 2 Lakh with 1 1-year waiting period. The two potential downsides are that the plan does have a restriction on the kind of room you can pick and Reliance General (the insurer) has had a tough few years due to the precarious financial situation of their erstwhile promoter Anil Ambani. Will things start looking up for the insurer soon? Well, that’s a bet you will have to make if you are buying the plan.
Health Infinity
Reliance Health Infinity is a reasonably comprehensive plan and gets its name “Infinity” because it offers you a cover of up to Rs. 5 crores. And unlike other comprehensive plans of its ilk, it offers a bunch of add-ons including maternity, OPD covers, international treatments, reduction in pre-existing disease waiting periods, etc, making it one of the most customizable plans on the market. The only downside is that Reliance General has had a tough few years due to the precarious financial situation of their erstwhile promoter Anil Ambani. Will things start looking up for the insurer soon? Well, that’s a bet you will have to make if you are buying the plan.
Health Gain Power
Reliance Health Gain Power is a decent plan that does most things you expect from a health insurance plan. You can customise the accommodation type you’d prefer. You can reduce your waiting periods through add-ons. You can avail a loyalty bonus (on your sum assured) during renewal and you can buy the policy at a reasonable premium. The only downside is that Reliance General has had a tough few years due to the precarious financial situation of their erstwhile promoter Anil Ambani. Will things start looking up for the insurer soon? Well, that’s a bet you will have to make if you are buying the plan. Also, note that the Power Variant only offers cover options of 10,15 and 20 Lakhs.
Health Gain Prime
Reliance Health Gain Prime is a decent plan that does most things you expect from a health insurance plan. You can customise the accommodation type you’d prefer. You can reduce your waiting periods through add-ons. You can avail a loyalty bonus (on your sum assured) during renewal and you can buy the policy at a reasonable premium. The only downside is that Reliance General has had a tough few years due to the precarious financial situation of their erstwhile promoter Anil Ambani. Will things start looking up for the insurer soon? Well, that’s a bet you will have to make if you are buying the plan. Also, note that the Prime Variant only offers cover options of 25, 30, 50 Lakhs and 1 Crore.
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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