What is the re-instatement of Base Sum Insured?

This means that the insurer will refill the sum insured without any extra cost in case you exhaust your entire sum insured and cumulative bonus if any but still require hospitalisation.

What is a co-payment?

A co-payment or co-pay in health insurance refers to cost-sharing requirements under a health policy. In it, the policyholder pays a specified percentage of the admissible cost. The remaining amount is paid by the insurance company.

Is pre-policy check-up covered?

No, you need to pay for the cost of pre-policy examination directly to the diagnostic center or the doctor. Reliance General Insurance will coordinate the appointment with its empanelled or diagnostic center.

Does Reliance General Insurance pay the complete amount in case of a cashless treatment?

The insurance company pays towards all admissible charges up to the limit of your sum insured.

What is the grace period to renew a policy online?

The grace time is 30 days immediately following the premium due date of the policy.

Reliance Health Gain Insurance User Reviews

260 reviews Rate This

Reliance

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

Health Insurance Calculator

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Disclaimer: Actual Premium might vary basis your location, age and number of members

Rating of Health Gain

4.1

Based on

29 User reviews

Great coverage
I read about the Reliance Health- Gain at InsuranceDekho and really liked the coverage benefits so bought it without any second thought. I will recommend everyone to buy the policy by following a few easy steps online.
S
Suresh Gupta
On: Aug 24, 2023
Complete flexibility
The Reliance- Health Gain has exceeded my expectations in terms of coverage and flexibility. I've had to visit various specialists, and the policy has covered a significant portion of the costs. The online portal is user-friendly, allowing me to easily track claims and manage my policy. I'm grateful for this policy from InsuranceDekho.
P
Parul Gaur
On: Jun 19, 2023
Policy overviews are genuine
If you are looking for genuine policy overviews, you must pay a visit to InsuranceDekho. Information related to the claim settlement, business volume of an insurance company, renewability of a health plan, and a number of network hospitals assist a customer to make a well-informed decision. I am very happy with the Reliance General’s Health Gain plan.
R
Rumela Ghosh
On: Feb 19, 2021
Cover for many expenses.
HealthGain is a plan that offers me many benefits at nominal premium. I brought it for sum insured of Rs. 3 Lakh and people can buy it until 65 years. In case of any doubt, get in touch with the customer care executive who will give you a plan with maximum benefits.
H
Harish Kumar SA
On: Feb 27, 2020
Very nice plan!
I received a suggestion of buying this plan online from a friend. I liked the coverage features and wanted to get covered under it. So got in touch with the customer care executives and asked about the buying process. They helped me and I got it within 5 minutes. Thanks to them
N
Nitin Sain
On: Feb 27, 2020

Why to Buy Health Insurance Policy Online from InsuranceDekho

Tax benefit upto 75,000*
Claim support everyday 10AM-7PM
80 Lacs+ happy customers

No regret to buy
What else can you ask for under a plan that offers you almost all the benefits like cover for domestic ambulance charges up to a certain limit, day care treatment, domiciliary hospitalisation cover, in-patient hospitalisation expenses, and pre and post hospitalisation expenses, restoration benefit etc. I really liked this plan because of its benefits
A
Abhinav Gogoi
On: Feb 04, 2020
Unlimited benefits under this plan
Health gain plan is really good deal to buy from insurancedekho. They will explain you all the inclusions and exclusions so that you can decide if the plan suits you the best. You can also compare their other policies online too on their website by filling your details and clicking on get quote
R
Radhe Shyam
On: Feb 04, 2020
They have network hospitals across India
Health gain is offered by reliance general under which I am covered since more than a year now. I purchased this plan on the advice of insurancedekho’s people and i think i made the right decision. The company has a good number of network hospitals which benefitted me for cashless hospitalisation
V
Varun Shivhare
On: Jan 16, 2020
Availed cashless treatment last month
I have this plan for a sum insured of Rs. 3 Lakh and i get many benefits under this plan like cover for pre and post hospitalisation expenses for a number of days, cover for daycare treatment, domiciliary hospitalisation treatment, charges for domestic road ambulance etc and took cashless treatment also once
A
Abhishek Arun
On: Jan 16, 2020
Average claim experience
I have two health insurance plans.. One from reliance general and other one from apollo munich.. Iam paying premium slightly higher for apollo munichs’ plan than reliance’s plan. And it covers my entire family with many coverage features in sum insured of 3 lakh..
S
Saroj Maheshwari
On: Dec 30, 2019
Nominal premium in this plan
I read abt the features of plan and found it worth buying...the buying process of id was smooth enough. And I paid nominal premium for this. I purchased health gain plan from reliance general just because had full faith on reliance.. They had helped me before also at the time of claim settlement
A
Atul Rao
On: Dec 30, 2019
Will renew this plan too
It has been a year almost that iam covered under health gain policy from reliance general insurance. I had trust on this name that is why i decided to go for it. Also, i was told that its claim settlement ratio was good. Have not made any claim in this policy yet
I
Ishant Grover
On: Dec 12, 2019
Transparent procss
The buying and selling process at insurancedekho is really smooth and transparent. Got this policy last month.. I was hesitating in making payment online but i read reviews of this company online and thought it is the right one. It had secured payment gateway and i got my policy within few minutes.
S
Simran Gupta
On: Dec 12, 2019
Great job team
Insurancedekho has always done well in terms of providing help. And this is not only till they wanted me to purchase plans from them, but also when i needed them for help at the time of claim settlement..I dint feel that i was being avoided or anything. Entire process was smooth
A
Abhishek Gandhar
On: Dec 03, 2019
Transparent operations
I had my first claim experience with reliance general when my daughter was hospitalised. And i have to appreciate quick response of the team in helping me at the time when i needed them. My product health gain offers me many benefits like pre and post hospitalisation expenses, in patient treatment expenses, etc
S
Shashi Nagpal
On: Dec 03, 2019
All my queries were answered
I gave a call on 1800 1205 698 which is the toll free number of insurancedekho to discuss abt a relevant health insurance plan for myself. We discussed abt a few plans and then came to a conclusion that health gain from reliance suits me the best. I brought it in few minutes
P
Priyanka Loke
On: Nov 22, 2019
Amazing plan
Reliance is a trusted name in the insurance market and therefore i purchased their health policy. I am getting many benefits under my health gain policy which i purchased for myself and my family. Like pre and post hospitalisation expenses, in patient hospitalisation expenses, daycare treatment, domiciliary hospitalisation cover, domestic road ambulance charges etc in sum insured of rs 3 lakh.
S
Satyendra
On: Nov 13, 2019
Great benefits.
You should not only buy this plan for the many benefits that it is offering, but also for the fact that it has good claim settlement process. They never leave the customer in problem and are always happy to help. Good job team
V
Vinit jha
On: Nov 13, 2019
Nice family plan..
I purchased health gain plan from insurancedekho and they promised me many benefits under it like pre and post hospitalisation benefits, in patient hospitalisation treatment, day care treatments, domiciliary hospitalisation treatment and so on. I couldnt have asked for more..thanks to the team for help.
A
Ajnas p musthafa
On: Nov 04, 2019
Thanks to the insurancedekho team
The much helpful team of insurancedekho helped me at each and every step of buying the plan. Not only that, they also provide after sales services. Called them at the time of claim too and they were as usual happy to help. I always have a nice experience with them.
V
Vaishali
On: Nov 04, 2019
Very user friendly policies
The website of insurancedekho is very nice. They have mentioned about all the products very clearly under different headings. I was easily able to understand and compare the products online on my own... I read about several pros and cons of my health gain plan and decided the sum insured etc too
K
Ketan
On: Oct 23, 2019
Renewed policy online
I have lately renewed my health gain insurance policy which I brought from insurancedekho.. They have an easy process where in just ten minutes my policy was renewed.. Iam satisfid with my health gain plan as it gives me many benefits including daycare procedures, pre and post hospitalisation cover.. in sum insured of 3 lakh.
B
Bharat Mahant
On: Oct 23, 2019
Many benefits....
My health gain plan provides me benefits that i did not even heard of before i got insured for. These include discounts from chemists, free health check ups, accidental death cover, restoration benefits etc. Iam satisfied with my coverage and I will suggest people to buy policies from insurancedekho to get the best deals.
K
Kishore namdeo gujar
On: Oct 11, 2019
This plan provides you all what you need
I got covered under health gain plan from insurancedekho last month. I was looking for some other insurance plan but the customer care executives there suggested me a better plan according to my requirements. I get benefit of pre and post hospitalisation cover, day care treatment and in patient hospitalisation cover basically.
M
Manoj Yadav
On: Oct 11, 2019
The buying process went well
Almost all the products of health insurance online offer similar benefits and the game is all about trust. We choose the company we trust and hence I chose Reliance General. It is a popular name in the insurance domain and offers many benefits in its comprehensive plan Health Gain. So I brought that a few days back at nominal premium from Insurancedekho. The process of documentation took some time but otherwise it went well.
M
M Kiran Reddy
On: Sep 27, 2019
Purchased plan in installments..no problem faced in payment
The plan health gain of reliance general insurance has two variants and earlier I was confused between them then Bhawna in Insurancedekho helped me chose. I have brought the plan in easy installments and am facing no problem in paying for the same. I give the services of insurancedekho 4 stars.
N
Naveen Gupta
On: Sep 27, 2019
Covers daycare treatments too
I and my family are covered under Health Gain policy offered by Reliance General with sum insured of Rs. 3 Lakh. Not all the health insurance plans provide cover for daycare procedures, but this one does. I had recently undergone treatment for Cataract under this policy and got partially reimbursed for the same.
D
Dileep
On: Sep 23, 2019
Perfect plan for family
I found health gain policy a perfect fit for my family of four including my wife, children, and me. I purchased this policy on the recommendation of customer care executives at InsuranceDekho. They explained me the benefits of the policy and the coverage features under the policy including doctor’s fee, emergency ambulance charges, pre and post-hospitalisation expenses etc and apart from that, it also provides cover for daycare procedures.
A
Amit
On: Sep 23, 2019
Customer care team is patient, and understanding
I would like to thank the team at insurancedekho for customer centric approach. They follow a timely approach too as i received my policy documents etc over mail within the stipulated time.
S
Sri narayan pandey
On: Invalid date

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FAQs

What is the re-instatement of Base Sum Insured?
This means that the insurer will refill the sum insured without any extra cost in case you exhaust your entire sum insured and cumulative bonus if any but still require hospitalisation.
What is a co-payment?
A co-payment or co-pay in health insurance refers to cost-sharing requirements under a health policy. In it, the policyholder pays a specified percentage of the admissible cost. The remaining amount is paid by the insurance company.
Is pre-policy check-up covered?
No, you need to pay for the cost of pre-policy examination directly to the diagnostic center or the doctor. Reliance General Insurance will coordinate the appointment with its empanelled or diagnostic center.
Does Reliance General Insurance pay the complete amount in case of a cashless treatment?
The insurance company pays towards all admissible charges up to the limit of your sum insured.
What is the grace period to renew a policy online?
The grace time is 30 days immediately following the premium due date of the policy.

View All

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