Reliance Critical Illness Insurance Policy

The Critical Illness health insurance offered by Reliance is meant to help with financial constraints when policyholders are diagnosed with critical illness. It offers a choice of sum insured ranging from Rs. 5 lakhs to Rs. 10 lakhs which may be given out as a lump sum in case there is a confirmed diagnosis of a critical illness health insurance. The ailments that this are differentiated into two groups based on them being life threatening or leading to a disability.

Features & Benefits of Reliance Critical Illness Health Insurance:

Entry Age	20 years to 50 years
Basis	Individual
Policy Period	1 year and 3 years
Renewability	Lifelong
Sum Insured	Rs. 5 lakhs, Rs. 7 lakhs or Rs. 10 lakhs
Medicals	Not required up to the age of 45 years. Mandatory thereafter
Coverage	or disabilities will be paid out if you survive 30 days after the diagnosis is given For the payment to be made in case of Quadriplegia, the survival time is 60 days Life threatening disease covered are: Cancer of a specified nature Organ transplants for major organs Multiple sclerosis Third degree burns Surgery to graft an aorta Diseases / conditions leading to disability: Heart valve replacement Being in a coma for more than 30 days Quadriplegia Blindness End stage renal disease leading to the failure of both kidneys
Benefits	Premiums paid towards this policy are eligible for tax benefits under section 80D of the IT Act The policy offers cashless hospitalisation facilities No medical tests are required till the age of 45 years Provides cover for 10 major illness and procedures Provides lump sum payments to help pay for and plan treatment
Exclusions	Pre-existing diseases and condition will not be covered Diseases or conditions that develop in the first 3 months of the policy will not be covered Any diagnosis that is not scientifically recognises will not be covered Critical illness that result from pregnancy Critical illness that are a result of smoking, tobacco consumption, alcohol or drugs Cosmetic surgery or sex change operations Critical illnesses that are a result of HIV

Also Read: How to File a Claim with Reliance Health?

Other Plans from Reliance Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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