Reliance Health Gain Health Insurance

Health Gain by Reliance Health Insurance is a smart health insurance plan that empowers policyholders to beat the heat of medical inflation and gain several health insurance benefits. Available as both individual and family floater plans, the Reliance Health Gain plan offers multiple benefits. The policy can be bought in easy installments and you can also get long-term discounts, a wide range of sum insured, renewability, free-look cancellation, an easy claim process, and a lot more. Read on to find out more about the Reliance Health Gain Health Insurance plan.

Reliance Health Gain Health Insurance Plan at a Glance

Key Features of Reliance Health Gain Health Insurance

Some of the key features of the Reliance Health Gain Health Insurance plan are as follows:

• Girl Child Discount: The Reliance Health Gain Health Insurance offers discounts for a girl child and a single woman. A maximum discount of 5% is given to girl children and single women so that they can save on the Reliance Health Gain Health Insurance premiums.

• Coverage: Reliance health insurance, under this plan, also provides wellness services like discounts from chemists, free health checkup, restoration benefits, accidental death cover without any claim renewal, and accidental rider.

• Variants: The HealthGain insurance policy has 3 variants, Plus, Power, and Prime. All the variants are almost the same except for certain features on the cover and health insurance premiums. To know about the coverage under these variants, you can check the policy document.

• No Room Rent Limit: The Reliance Health Gain Health Insurance plan comes with no limits on room rent. You can always lower or increase the hospital cash limit as well as the room type.

• Intercity Road Ambulance: This is a standout feature of the Reliance Health Gain Health Insurance plan that provides road ambulance costs up to actuals beyond 100 km.

• Additional Benefits: The Reliance Health Gain Health Insurance plan also provides enhanced coverage, smart coverage, and preventive healthcare coverage, so that policyholders can get comprehensive coverage under this health insurance plan.

Eligibility Criteria of the Reliance Health Gain Health Insurance plan

Listed below are the eligibility criteria for the Reliance Health Gain Health Insurance plan:

Benefits of Buying Reliance Health Gain Health Insurance Plan

Listed below are some of the reasons why you should buy the Reliance Health Gain Health Insurance plan:

• Sum Insured: The Reliance Health Gain Health Insurance offers policyholders the flexibility to choose the sum insured of their choice. With the Plus variant, they can choose the sum insured of either Rs. 3 lakhs or Rs. 5 lakhs. Under the Power variant, you can choose a sum insured of Rs. 10 lakhs, Rs. 15 lakhs, or Rs. 20 lakhs, and under the Prime variant, you can choose a sum insured of Rs. 25 lakhs, Rs. 30 lakhs, Rs. 50 lakhs, or Rs. 100 lakhs.

• Discounts: The Reliance Health Gain Health Insurance Plan offers multiple discounts such as girl child discounts, family discounts, long-term discounts, and many more. While the family discount offers discounts on family plans, long-term discounts are eligible if you are buying the plan for a longer policy term.

• Coverage: The Reliance Health Gain Health Insurance Plan provides coverage for daycare procedures, pre and post hospitalisation, organ donor expenses, AYUSH treatment, ambulance cover, room rent, restoration benefits, and many more,

• Add-ons: With the Reliance Health Gain Health Insurance Plan, you can also get additional coverage with add-ons such as restoration benefits, consumables cover, vaccination cover, annual health check-ups, and a lot more. However, to get these additional benefits, you also need to pay higher premiums.

Variants Available with Reliance Health Gain Health Insurance plan

There are three variants available with the Reliance Health Gain Health Insurance plan, Plus, Power, and Prime. Almost all the coverage is offered under these variants, yet there are a few differences that have been enlisted below:

Add-ons Available with Reliance Health Gain Health Insurance plan

Some of the add-ons you can include in your Reliance Health Gain Health Insurance plan:

• Enhanced Cover: This cover includes a Guaranteed Cumulative Bonus, Reinstatement of Sum Insured, and Consumable Cover. With these covers, you can enjoy the benefits of keeping the unutilized cumulative bonus intact, restoration of the sum insured, and coverage for miscellaneous expenses, respectively.

• Smart Cover: With this cover, you can change the limits of modern treatment, get coverage for a second opinion, and expenses for vision correction.

• Preventive Care Cover: This provides coverage for annual health check-ups and vaccination expenses.

• Family Care Cover: Under this, you can get coverage for home care treatment, companion cover, and child care cover.

• Convenience Cover: This add-on allows modification in pre-hospitalization expenses limit, coverage for air ambulance, and convalescence cover.

• Reduction in PED Waiting Period: With this cover, you can get the waiting period for pre-existing conditions reduced from 24 to 12 months.

Inclusions and Exclusions of Reliance Health Gain Health Insurance Plan

Inclusions:

• In-patient Care: This includes expenses for in-patient treatment, there is no sub-limit on these expenses.
• Day care procedures: All daycare procedures are covered within the sum insured.
• Domiciliary hospitalization: This includes expenses that do not require hospitalization and the coverage offered is under the sum insured.
• Organ donor: The expenses related to organ donor is covered within the sum insured.
• AYUSH Benefit: This plan also provides coverage for alternative treatment including AYUSH, up to the sum insured.
• Ambulance cover: The cover for ambulance expenses is within the sum insured.
• Pre and post hospitalization expenses: The Reliance Health Gain Health Insurance plan also provides coverage for pre and post hospitalization expenses.

Exclusions:

• Rest and rehabilitation cure
• Weight control treatment
• Change of gender treatment
• Any injury due to involvement in hazardous activities
• Dietary supplement expenses
• Overseas treatment
• Outpatient treatment
• Any expenses due to war
• Any kind of unproven treatment

Documents Required to Buy Reliance Health Gain Health Insurance Plan

Listed below are some essential documents to buy the Reliance Health Gain Health Insurance plan:

• A duly-filled application form
• PAN card
• Aadhaar card
• Bank account details
• Pre-existing medical condition details
• Copy of previous health insurance plan
• Passport
• Income proof
• Nominee details

How to Buy Reliance Health Gain Health Insurance Plan?

Listed below are the steps in which you can buy the Reliance Health Gain Health Insurance plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Reliance Health Insurance" from the list of health insurance companies.
• Then, select "Reliance Health Gain Health Insurance Plan" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Reliance Health Gain Health Insurance Plan

You can raise two types of claims with your Reliance Health Gain Health Insurance Plan, cashless and reimbursement claims. To get your claim approved, you need to inform the insurance company about hospitalisation. In case of planned hospitalisation, you need to inform Reliance Health Insurance at least 48 hours to hospitalisation and for unplanned hospitalisation, you need to inform within 24 hours of hospitalisation.

Cashless Claims

• First, locate a nearby network hospital
• Submit all the relevant documents and policy papers to the TPA
• Fill out the pre-approval form
• The form along with the documents will be sent to the insurance company for verification
• Once Reliance Health approves all the documents, your hospital bills will be directly settled at the network hospital

Reimbursement Claim

• Choose a nearby hospital to get started with the treatment
• In this case, you need to first pay for the medical expenses from your own pocket
• Next, raise a claim on the company website
• Submit all the documents
• Reliance Health will then verify the claim request
• Once approved, all the medical expenses will be reimbursed