You need health cover regardless of what you take two at a time - pills or stairs.
  • Reliance Critical Illness Insurance Policy

    Reliance Health Insurance

    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. 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
    • 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
    • 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

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