Discovering Health Gain Policy by Reliance General Insurance

Health Gain Plan by Reliance General is designed to protect the policyholder from sky-rocketing inflation by offering various benefits. It comes on a family floater as well as on an individual basis and covers the policyholder as well as his entire family members against the unforeseen medical expenses. The plan offers cashless treatment facilities in more than 4000 plus top-notch network hospitals across India. It has two variants namely, Plan A and Plan B. These variants are almost the same except for some specific features in the coverage offered. Also, this plan can be purchased in easy installment options.

Apart from the basic coverage offered, various other benefits such as long term discounts, wellness services( like a free health check-up, restoration benefits, discount from chemists, accidental rider, etc), free look cancellation, easy claim process, etc makes this plan the perfect investment choice for an individual.

Choose a Plan as per Your Requirements

While choosing an ideal Health Insurance Plan you can consider the following:

What is Included Under Reliance General Health Gain Plan?

The coverage offered under Health Gain Plan by Reliance General includes:

• Pre-hospitalisation Expenses: These expenses are incurred up to 30 days before an insured is admitted to a hospital. These expenses include test expenses, medicinal expenses, X-rays, etc.
• Post-hospitalisation Expenses: These expenses are incurred up to 60 days after the insured gets discharged from the hospital. These expenses include follow-ups, doctor’s fees, medicine costs, etc.
• Donor Expenses Cover: Donor expenses cover includes around 50% of the sum insured and up to a maximum of Rs 5 lakhs.
• Domiciliary Hospitalisation Expenses: Domiciliary hospitalization expenses are covered up to 10% of the sum insured, also which is subject to Rs 50000 maximum.
• In-patient Treatment: The cost incurred by treatment in a hospital for a continuous period of 24 hours. These expenses include operation theatre charges, nursing charges, doctor’s or physician’s fees, room rent charges, etc.
• Day Care Procedure: Expenses incurred against certain specified surgeries or procedures are taken care of under this plan.
• Domestic Road Ambulance: Expenses incurred up to Rs 1500 per claim are paid by the insurance provider under this plan.
• Cumulative Bonus: An increase of 33.33% in the base sum insured for every claim-free year, a maximum of up to 100%.

What is Excluded from Reliance General Health Gain Plan?

The exclusions from Health Gain Plan by Reliance General are as follows:

• Medical expenses claims arising within 30 days of buying the plan unless the issue is caused because of an injury.
• Cost arising from accidental injury under the influence of drugs, alcohol, or criminal activities.
• The cost incurred from non-allopathic or unproven treatments.
• Expenses incurred from cosmetic surgeries, self-medication, or any aesthetic treatments.
• Expenses arising out of fertility-related health conditions, maternity, HIV, AIDS, and STDs.
• Expenses arising from any dental treatment.
• The cost incurred from war, nuclear, chemical, or biological injuries.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.