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  • Reliance Critical Illness Insurance Policy

     4.5 / 5.0   by 2 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    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 policy covers 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
    • Cover for life threatening diseases 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

    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.

    Reliance Critical Illness Insurance Policy Reviews

  • Page 1 of 1
    • Reliance General Health Insurance
      "Good protection"
      0.5 4.0/5 "Great!"
      I do have Reliance General insurance I used to make some premium for my health insurance. They gave me Rs. 4 lakhs as medical cover for my entire family. I have received the medical card, they do have good cash less treatment in hospital. They providing coverage for all critical illness too.
      Was this review helpful? 0
      , vadodara
      Reviewed on Oct 31, 2017
    • Reliance General Health Insurance
      "pretty easy to Claim"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with Reliance general insurance. The services has been good. They also cover surgeries and critical illness. I need to pay a premium on a yearly basis. The premium is of 6K. The coverage is for 15 lakhs. It is for my family and myself.
      Was this review helpful? 1
      , chennai
      Reviewed on Aug 05, 2015
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