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Reliance HealthWise Health Insurance

260 reviews Rate This
Reliance Health Insurance
HealthWise
Cashless Approval TAT4 hour Cashless Claim Processing
Claim Settlement Ratio99.90%
Network Hospitals10,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsMore Cover, More time, More Global
Starting Premium for Rs. 5 lakhs coverageRs. 243/month

About Reliance HealthWise Health Insurance

Seeing family members healthy is a priority for all of us. To ensure this we try out everything possible. However, despite making regular efforts people still fall ill or meet with an accident. On this note, Reliance has launched a medical insurance plan called HealthWise, which ensures that you don’t have to spend all your hard-earned money on some unforeseen circumstances. It offers financial support to cope-up with the spiraling cost of healthcare. The plan determines to take care of people within an age group of 3 months and 65 years.

The Reliance HealthWise Plan is available in three variants such as Standard Plan, Silver Plan and Gold Plan. The sum insured of all these variants together ranges from Rs. 1 Lakh to Rs. 5 Lakh. This complete family healthcare policy is stuffed with multiple beneficial features such as coverage of hospitalisation expenses, daycare treatment, domiciliary hospitalisation, pre and post hospitalisation costs, cost of health check-up and so on. In addition to these direct benefits, the plan owns some other benefits too such as premium discount for girl child coverage, renewal discounts, no pre-medical test required for up to 45 years of age and so on.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Inpatient hospitalisation expenses
  • Cost of health check up is offered
  • Organ donor expenses are covered
  • Daycare treatment costs are provided
  • Pre and post hospitalisation costs for certain specified periods

What's Not Included

  • Treatments during pregnancy or childbirth
  • Costs of spectacles, hearing aids and so on
  • An expense incurred on treatment of obesity etc.
  • Treatments of injuries occurred due to war, etc.
  • Disease contracted during the first 30 days of policy

9120 Reliance Cashless Network Hospitals in India

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HealthWise User Reviews

4.5
Rating based on
260 User reviews
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What users are saying
  • All
  • I wanted to cover myself and m...

    I was looking for a plan for my whole family. I visited the InsuranceDekho website and compared the prices of so many plans and decided to buy the Reliance- HealthWise Policy.

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    A
    By Amit Ranjan
    On: Sep 04, 2023
  • Online Consultation

    I wasn't sure which plan I should buy, so the expert team of InsuranceDekho advised me on the best plan that was suitable for me. They inquired about some of my requirements and suggested buying the Reliance- Health Wise. I appreciate the efforts of the team. Thank you!!! 

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    A
    By Arav Aggarwal
    On: Jun 30, 2023
  • I liked it and brought it.

    I liked health wise plan because of its benefits also because reliance general is a trustworthy insurance provider. I liked the plan very much and thinking to renew the policy for the next year as well. I thank the team at insurancedekho for the hardwork they put in deciding the best plan for me.    

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    M
    By Mustafa Raja Mansoori
    On: Feb 27, 2020
  • Liked the plan very much

    Not only the plan, but i also liked how smooth the buying process at insurancedekho was. Healthwise is a good plan that offers me cover for cost of health check up, organ donor expenses, pre and post hospitalisation cover, daycare treatment cover and so on. I liked the plan and planning to renew again  

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    M
    By Mo Kafil
    On: Feb 27, 2020
  • Satisfied..go for it

    Good claim settlement ratio, good number of network hospitals and amazing services...what else do you want from an insurer? I really have faith on reliance and as it gives me many benefits, i will renew this policy next year too. I recommend everyone looking for health insurance must buy it from insurancedekho.  

    Read More

    S
    By Sreeja
    On: Feb 04, 2020
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Reliance HealthWise Expert Review

  • Expert Review

    Planning never ensures success, but do assure a lesser chance of failure. Therefore, you can get ill anytime anywhere, but health insurance policy helps you combat the ailment by providing the coverage for medical expenses. HealthWise Policy by Reliance General Insurance is designed to get your back against the unforeseen circumstances which can take a toll on your savings. The plan, available in 3 variants, offers its coverage to people amid the age group of 3 months and 65 years. The range of the sum insured for all plans ranges from Rs. 1 Lakh to Rs. 5 Lakh. 

    The cashless hospitalisation for this plan is offered in 4000+ network hospitals. This HealthWise Policy is  equipped with multiple medical benefits such as coverage for hospitalisation expenses, daycare expenses, pre and post hospitalisation costs, cost of health check-up, donor expenses and many more elements. In addition to these features, some additional benefits are also present under the plan to blow customer’s mind which comprises of incredible benefits such as no room rent capping, renewal discounts and so on. These many offerings make this policy beneficial and affordable which ultimately turns it out into a great option for every health insurance seeker. 

  • Major Attractions

    The HealthWise Policy tends to provide every possible coverage to its policyholders. Although, customers above the age of 45 are required to undergo a medical examination to get covered under this health insurance plan, still this plan stays to become the centre of attraction among other plans of other brands. Here are a few components of the plan which makes it a worthwhile product:

    • Pre and post hospitalisation cost cover
    • No room rent capping is available
    • Local road ambulance fare is covered  
    • Availability of critical illness coverage  
    • Coverage for hospitalisation expenses
    • Cover for daycare procedure is available 
    • A cover is offered related to domiciliary hospitalisation
    • Cost incurred on the health check-up program is covered

  • What’s More?

    The HealthWise Policy owns a lot more than its coverage features. These additional coverage elements enhance its value before the customers and make them stick them to the plan. Here are some of those benefits:

    • Renewal discounts are provided
    • Premium discount for girl child is given
    • Availability of lifelong renewability option
    • No medical test required up to the age of 45 years
    • Tax benefits can be gained on the amount of premium paid under the policy

  • Conclusion

    The plan is framed with a holistic approach and fulfils every possible need of a customer. When it comes to a search for a health plan, this HealthWise Policy could be a perfect choice to opt for, while selecting a health insurance plan for an individual or a family. It’s list of benefits and the affordable price never fails to disappoint the policyholders. 

    Buy this plan from insurancedekho.com and experience a simple and hassle-free purchase process. The team of InsuranceDekho will provide you the policy with the commitment to claim settlement process and dedicated support for common inquiries. 

Reliance HealthWise Brochure

  • 1.28 MB
  • PDF Document
  • Oct 09, 2019
Download PDF

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.

FAQs on HealthWise Health Insurance Plan

  • What is the sum insured amount offered under this HealthWise Policy?

    The sum insured under this health insurance plan ranges from Rs. 1 Lakh to Rs. 5 Lakh.   

  • What is the entry age criteria under this health insurance policy?

    The minimum entry age under this plan is 3 months and extends to the age of 65 years.

  • Does this plan offer the coverage for daycare treatments?

    Yes, this plan offers coverage for medical expenses towards daycare treatments/surgeries, where 24 hours of hospitalisation is not needed. 

  • Is there any need for undergoing a medical test to get this HealthWise Policy?

    Yes, medical tests are required for people above the age of 45 years to get the coverage under this plan. 

  • Can I gain any discount under this health insurance plan?

    Yes, this plan offers a renewal discount under which for every claim-free renewal you can get a discount of 5% of the premium. This discount is applicable up to 4 continuous claim-free years i.e., a maximum of 20%. Also, a 7% discount is offered on covering two daughters in a 2 adult and 2 kids policy while 4% is provided if one daughter is covered under 2 adult+ 2 kids or 2 adult+1 kid policy.

  • Is there any room rent capping applied under this HealthWise Policy?

    No, no capping on the room rent is there and the room rent expenses are covered up to the sum insured amount. The plan allows you to select any room type or category.  

  • Can I get the coverage for a domiciliary hospitalisation?

    Yes, the policy gives its coverage up to 10% of the sum insured. It is basically offered for the cost incurred for availing the medical treatment at home which would otherwise require hospitalisation.

  • Does this plan offer coverage for the treatment of critical illness?

    Yes, the treatment for critical illness is covered under the Gold variant of the HealthWise Policy.

  • Can I get coverage for the cost of health check-up under this plan? If yes, how?

    Yes, you can get the reimbursement of cost of medical check-up up to 1% of average sum insured for individual policies and up to 1.25% for family floater covers, once at the end of a block of four consecutive years, if there are no claims reported under the plan by any member during the block.

  • When my pre-existing disease can get coverage under the HealthWise Policy?

    Your pre-existing diseases can get the coverage after 4 continuous renewals under the Standard variant of the plan, while under Silver and Gold variants you get the coverage after 2 continuous renewals. 

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