At what age can the policy be bought?

The minimum age required for buying the policy is 18 years and the maximum age depends on the coverage level opted by the insured. If the sum insured is Rs. 5 Lakh, the maximum entry age is 65 years. If the coverage level is Rs. 7 Lakh the maximum entry age is 60 years and for coverage level of Rs. 10 Lakh the maximum entry age is 55 years.

What are the conditions on pre-entrance medical check-ups?

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.

What is the meaning of waiting period and what period is applicable under the plan?

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.

How is the premium for the plan calculated?

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

Is there any no claim discount available under the plan?

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%.

How many times can a claim be made under the plan?

The plan allows for only one claim. Once the claim is made and settled, the policy would be terminated.

Can the policy be bought online?

Yes, Reliance General Insurance Company allows individuals to buy its Critical Illness Insurance policy online.

How can the premium be paid online?

For paying premiums online the policyholder can choose any mode of valid payment like credit cards, debit cards, net banking facility, UPI system, etc.

Would a claim be paid if there is another health insurance plan owned by the insured?

Yes, a claim under the critical illness policy would be paid irrespective of any other plans held by the insured from which he/she is receiving claims.

What is the tax benefit on premiums paid?

Premiums paid, up to Rs. 25,000 for individuals below 60 years and up to Rs. 50,000 for individuals aged 60 years and above, can be availed as a deduction under Section 80D.

Reliance Critical Illness Health Insurance Wordings

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Highlights

Cashless Approval TAT	4 hour Cashless Claim Processing
Claim Settlement Ratio	99.90%
Network Hospitals	10,000+
Pre-existing Disease Waiting Period	1 year
Special Benefits	More Cover, More time, More Global
Starting Premium for Rs. 5 lakhs coverage	Rs. 243/month

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Reliance Critical Illness Insurance Brochure

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Jun 03, 2019

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Reliance Health Insurance Plan List

Family (3)
Individual (3)
Kids (2)
Parents (2)
Senior Citizen (2)
Woman (2)
Critical Illness (1)

Name of Plan	Sum Insured
MORE Health InsuranceMin: 91 Days; Max: 65 Years Popular	3 Lakh	Check Premium
Arogya Sanjeevani Policy Min: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Health GainMin: 91 Days; Max: 65 Years	3 Lakh	Check Premium
Hospi Care PolicyMin: 90 days; Max: 65 years	1 Lakh - 10 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Health Infinity Min: 91 Days; Max: 65 Years	3 Lakh	Check Premium
HealthWiseMin: 3 Months; Max: 65 Years	1 Lakh	Check Premium
Critical Illness InsuranceMin: 18 Years; Max: 65 Years	5 Lakh	Check Premium
Personal Accident PolicyMin: 18 years; Max: 70 years	5 Lakh - 20 Lakh	Check Premium

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FAQs on Critical Illness Insurance Health Insurance Plan

At what age can the policy be bought?
The minimum age required for buying the policy is 18 years and the maximum age depends on the coverage level opted by the insured. If the sum insured is Rs. 5 Lakh, the maximum entry age is 65 years. If the coverage level is Rs. 7 Lakh the maximum entry age is 60 years and for coverage level of Rs. 10 Lakh the maximum entry age is 55 years.
What are the conditions on pre-entrance medical check-ups?
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.
What is the meaning of waiting period and what period is applicable under the plan?
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.
How is the premium for the plan calculated?
The premium is calculated depending on the age of the insured, the sum insured chosen, medical history and the coverage tenure.
Is there any no claim discount available under the plan?
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%.
How many times can a claim be made under the plan?
The plan allows for only one claim. Once the claim is made and settled, the policy would be terminated.
Can the policy be bought online?
Yes, Reliance General Insurance Company allows individuals to buy its Critical Illness Insurance policy online.
How can the premium be paid online?
For paying premiums online the policyholder can choose any mode of valid payment like credit cards, debit cards, net banking facility, UPI system, etc.
Would a claim be paid if there is another health insurance plan owned by the insured?
Yes, a claim under the critical illness policy would be paid irrespective of any other plans held by the insured from which he/she is receiving claims.
What is the tax benefit on premiums paid?
Premiums paid, up to Rs. 25,000 for individuals below 60 years and up to Rs. 50,000 for individuals aged 60 years and above, can be availed as a deduction under Section 80D.

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Claim Process at Reliance Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Reliance Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Reliance Health Insurance
1800-300924x7
rgicl.services@relianceada.com