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 HealthWise Health 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 HealthWise

3.9

Based on

25 User reviews

I wanted to cover myself and my family in one policy
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.
A
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!!!
A
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.
M
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
M
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.
S
Sreeja
On: Feb 04, 2020

Why to Buy Health Insurance Policy Online from InsuranceDekho

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

good.!
I was unsure if i should buy another health insurance plan as I already had group health insurance plan provided by my employer.. but discussing the issue with people at insurancedekho helped me decide as they explained me how my previous plan was short on many benefits. It had limited features so i brought healthwise.
J
Jagjeet Singh
On: Feb 04, 2020
Must have plan
Healthwise is a good health insurance plan offered by reliance general which ensures my good health by offering many coverage features like health check up expenses, in patient hospitalisation expenses, day care treatment, cover for organ donor expenses etc. I found it to be a good product of reliance general
V
Vishal khemani
On: Jan 16, 2020
Nice.. you can go for it too
I have purchased Healthwise plan from inusrancedekho last week and iam writing this review to tell people how smooth the buying process was with them. I just called them on toll free number 1800 1205 698 and they explained me abt the plan, i made payment online and purchased it within a few minutes
S
Sakshi Oberoi
On: Jan 16, 2020
Healthwise has great benefits
I am covered under Healthwise plan from Reliance since a year now.. The policy keeps me protected from in-patient hospitalisation expenses, cost of health check up, organ donor expenses, daycare treatment and so on. I wish if this plan also covered cost of hearing aid etc..but otherwise also it is better than many
J
Jaskirat Singh
On: Dec 31, 2019
Awesome benefits in Healthwise policy
Reliance’s Healthwise is a great health insurance plan that one should buy when he/she is young. Other than many coverage features like pre and post hospitalisation cover, daycare treatments, cost of health check up etc, auto refilling of the sum insured makes this a good policy...can go for this..
B
Borisa Nageshbhai
On: Dec 31, 2019
Comprehensive plan ..
Healthwise is a comprehensive plan from reliance general.. I have this plan for sum insured of rs 1 lakh which covers me for many healthcare expenses such as in patient hospitalisation cover, organ donor expenses, pre and post hospitalisation cover, daycare treatment and so on. Iam satisfied and will renew this
T
Tarun Kumar Dixit
On: Dec 30, 2019
I will recommend it to my relatives
I found healthwise plan from reliance general a comprehensive one. It covers me for almost all the expenses that one expects to occur in healthcare in future. They charged me premium little which got deducted from my bank account and i got the policy within a few minutes.
S
Shreyans Goel
On: Dec 12, 2019
Iam happy to buy this
Iam totally happy to have purchased healthwise plan and have no regrets i would like to appreciate Rakshit who was constantly in touch with me when i was buying this policy. He helped me understand insurance terms very easily and my policy is clear to me now.
J
Jignesh Pathak
On: Dec 12, 2019
Blown away
I have purchased this plan from insurancedekho for sum insured of Rs. 1 Lakh. I had no claim experience with them but I found their services well as they were committed enough. I found this product’s coverage wide enough to have it for next year too.. I will definitely renew this plan
A
Ahana Khan
On: Dec 04, 2019
Good product
Healthwise is a nice product from reliance general insurance. This is the first time that I had purchased a plan from them online. I did not trust the online process much but found this reliable after I made transaction. I recommend it to others too. This is the best plan I've come across so far
R
Rudra Sinha
On: Dec 04, 2019
Amazing services!
I had this issue of some change in personal details for which I got in touch with the sales ppl at insurancedekho again after buying policy from them. I thought they might not attend me happily as I had already purchased a plan from them but they readily helped me and I got the details changed.
S
Sudhakar govind
On: Nov 25, 2019
Timely services when I was in need
I have held a health insurance policy from reliance general since almost a year now and the best thing abt them is that they are always there to help whenever you are in need. I will be more than happy to extend my relationship with them by renewing my healthwise plan for another year as well.
m
meena
On: Nov 25, 2019
Cheap and best
Health wise policy from insurancedekho and i must say that it was by far the best decision of my life. It is not only a cheap product, but also gets you covered under the maximum benefits. This was the best thing i could do to save my medical expenses in future. I liked the services of insurancedekho
R
Rajat Shukla
On: Nov 14, 2019
Sufficient amount of coverage
I have purchased health wise policy from insurancedekho with sum insured of 5 Lakh. I feel that it is sufficient as it covers me for all the healthcare expenses like in-patient hospitalisation expenses, cost of health check up, pre and post hospitalisation method, day care treatment expenses and organ donor expenses.
K
Kabir k Ahluwalia
On: Nov 14, 2019
Keep up the good work
I was looking for a good family floater health insurance plan and visited insurancedekho’s website to fill a quote. I got a follow up call from their executives who helped me understand the plan in detail and also helped me purchase it. Thanks and all the best to the team!
S
Saket Tripathi
On: Nov 05, 2019
Great benefits
My health wise plan from reliance general covers me at nominal premium for expenses like in patient hospitalisation, health check up, organ donor expenses, daycare treatment, and pre and post hospitalisation expenses. I am really satisfied with this plan and thankfully havent availed any claim yet so cant comment on that..
M
Manoj
On: Nov 05, 2019
clear info on website
Insurancedekho has a nice website that directs you for all the required information about a product. I found about healthwise plan from there only. Their team had explained very clearly and descriptively about aevery health insurance plan on their website.. I understood about benefits of my plan by reading about it online only.
A
Anand
On: Oct 24, 2019
Easy online buying with insurance dekho
Insurancedekho is a good company that offers easy buying to its customers. They take care of their customers and explain them not only the positives, but also negatives of buying a particular plan. The customer care executives help you buy plan in few minutes..and they have easy payment system also.
R
Rashmi
On: Oct 24, 2019
Plan offers many variants.. I got great choice
Iam covered under healthwise plan from reliance general with sum insured of Rs 5 lacs. I had no knowledge about this plan but bhawana from insurancedekho informed me about all the pros and cons of this product and helped me make the right choice. Haven’t made any claim yet so cant say about that.
A
Ajay Kedar
On: Oct 11, 2019
Many coverage features..
I have brought healthwise plan from reliance general today and I am waiting for my policy documents. The overall suggestions etc and advice i received from the cutsomer care executives at Insurancedekho helped me in the best possible manner. Good plan. I give it full stars
K
KAVITA
On: Oct 11, 2019

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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