• Reliance Critical Illness Insurance Policy

     4.5 / 5.0   by 2 users
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    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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