Reliance Critical Illness Health Insurance

Critical Illness Insurance policy offered by Reliance provides you with a lump sum payment on being diagnosed with any of the covered critical illnesses or required to undergo covered surgeries. A major point to note with the policy is that it covers critical illnesses based on two categories, namely Category 1 and Category 2. While Category 1 covers life-threatening diseases such as Cancer, Major Organ Transplant, Multiple Sclerosis, and others; Category 2 provides coverage for lifestyle disabling diseases like Total Blindness, Heart Valve Replacement or Repair, Coma of Specified Severity, and others. Other key features of the policy include -

• Coverage for 10 critical illnesses
• Lump sum payment on diagnosis
• No need to undergo medical test up to the age of 45 years
• Coverage for life-threatening and lifestyle-disabling diseases​
• Support for focusing on recovery rather than illness and expenses
• The freedom to change your nominee in the mid-term of the policy
• The freedom to use the lump sum amount and plan your treatment as per your requirements
• The option of purchasing Critical Illness Insurance Policy online through various payment options including Net Banking, UPI, Debit/Credit card etc. as per your convenience

A value for money policy, Critical Illness Insurance is definitely an asset under Reliance General Health Insurance. Not only the policy offers one the satisfaction of being financially secure at a critical time, but also provides gains that add to its value even more. Other than the prime features, vital benefits offered by Critical Illness Insurance include -

• Tax deduction under Section 80D of Income Tax Act, 1961
• Renewal discount of 5% of the base premium on each claim-free renewal.
• Maximum overall discount of 50% over all claim free periods

On the whole, Critical Illness Insurance by Reliance can be relied on to ensure superior critical illness treatment and mental satisfaction of not being financially stressed during medical contingencies.

If you are interested in purchasing Critical Illness Insurance policy, it is recommended to make an online purchase so that the policy gets issued without any delay. You can also choose InsuranceDekho as your online platform to make the purchase and benefit from claim settlement support, policy portability, and other after-sales services that the company has in store for its prestigious customers.

If the insured is aged 45 years and above, pre-entrance medical check-ups would have to be done to buy the policy. These tests would be done at the empanelled diagnostic centres of the insurance company.

Waiting period means that period, after the inception of the policy, during which coverage is not available under the plan. For critical illnesses suffered, the waiting period applicable is 90 days from the policy start date.

The premium is calculated depending on the age of the insured, the sum insured chosen, medical history and the coverage tenure.

Yes, if no claim is made in any policy year, the company offers a premium discount of 5% in the next year’s premium amount. Policyholders can claim a discount of 5% for every claim-free year subject to a maximum aggregate discount of 50%.