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Reliance Personal Accident Health Insurance

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Reliance Health Insurance
Personal Accident Policy
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 Personal Accident Health Insurance

Personal Accident Policy offered by Reliance General Insurance reimburses your medical expenses and provides compensation in case of misfortune event of disability or death caused by accidents. It offers financial security to an individual and his family in case he/she gets injured or unfortunately dies in an accident. The policy comes with different offers sum insured options starting from Rs. 5 Lakh up to Rs. 20 Lakh. Personal Accident Policy can be purchased on an individual basis. Also, it offers a 5% increase in sum insured with every claim-free year.

One of the highlights of the policy is that it offers a 5% increase in sum insured with every claim-free year. You can buy this policy online and it will not require any paperwork. The policy is most suitable for garage and motor mechanics, mountaineers, journalists, a worker in explosive industries, builders, cash-carrying employees, contractors and engineers engaged in superintending functions only. If covered under the policy, you can also avail cover for education expenses of dependent children.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cover for accidental death and permanent disability
  • Sum insured options between Rs. 5 Lakh and Rs. 20 Lakh per eligibility
  • Policy type-individual
  • Worldwide coverage for claims
  • 5% increase in sum insured with every claim free year

What's Not Included

  • Death or disablement due to childbirth or pregnancy
  • Weekly compensation until the total amount is ascertained and agreed
  • Death, injury/disablement due to war, invasion, etc.
  • Death, injury, or disablement due to misfeasance
  • Death, injury, or disablement due to nuclear weapons material

9120 Reliance Cashless Network Hospitals in India

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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.

FAQs on Personal Accident Policy Health Insurance Plan

  • How many members can be included in Personal Accident Insurance?

    The policy can include a spouse along with two dependent children who will then also be covered under personal accident cover. 

  • What is the age limit for opting Personal Accident Policy?

    The minimum and maximum age limit to be covered under Personal Accident Policy offered by Reliance General Insurance is 18 years and 70 years. You can also include dependent children aged up to 25 years under this policy. 

  • How is the sum insured determined in a Personal Accident Policy?

    There are several factors that determine the sum insured in the cover. These include the nature of the occupation, sum insured chosen, income level of the person, age of the insured, etc.   

  • How is the percentage of compensation determined in case of partial loss?

    The amount of compensation always depends on the extent of the loss suffered. This will be specified under the terms and conditions of the policy.

  • How can I make a claim under Personal Accident Policy?

    The process of making a claim under Personal Accident Policy is easy. All you need to do is contact the customer support and they will guide you through the important process. It is important to keep the documents handy before claim settlement. You must have all the documents in order to have a quick claim settlement process. 

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