Reliance HealthGain Health Insurance Plan

The Reliance HealthGain health insurance policy comes in 2 variants Plan A and Plan B. The two plans are almost identical except in a few features related to the . The plan can also be taken as an or a family floater policy.

Features & Benefits of Reliance HealthGain Plan:

Entry Age
  • 5 Years and above.
  • For children 91 days to 4 years if at least one member is above 21 years of age
Basis Individual / Family floater health insurance
Policy Period 1 year or 2 years
Renewability Lifelong
Sum Insured
  • Plan A: Rs. 3 lakhs, Rs. 6 lakhs or Rs. 9 lakhs
  • Plan B: Rs. 12 lakhs, Rs. 15 lakhs or Rs. 18 lakhs
  • 5% discount is offered if a girl child or a single woman is insured under this policy
  • 5% discount when family members are covered individually under this policy
Co-Payments 20% of the claim amount Family Floater - applies to all insured if the eldest member is 61 years or older Individual - applies if the insured is above the age of 61 years at the time of taking the policy
  • Pre hospitalisation expenses covered up to 60 days before hospitalisation
  • Post hospitalisation expenses covered up to 60 days after hospitalisation
  • Hospitalisation for covered injuries or illnesses if hospitalisation is for longer than 24 hours
  • Day care treatments for specified procedures or surgeries when hospitalisation is not required
  • Ambulance charges up to Rs. 1,500 under Plan A and Rs. 3,000 under Plan B
  • Medical expenses incurred by organ donors will be covered up to 50% of the sum insured subject to a limit of Rs. 5 lakhs
  • Medical expense for domiciliary treatment Pre-existing conditions will be covered after a waiting period of 3 years
  • Specific ailments will be covered after a period of 2 years
  • Only accidental injuries will be covered in the first 30 days of the policy
  • Room rent for single occupancy room
  • Every claim free year increments the base sum insured by 33.33% subject to a maximum of 100%
  • If there is a delay in issuing the policy Under Plan A
  • The policy can cover up to 6 people individually (4 children and 2 adults)
  • If no claims are made for 4 consecutive years the base sum insured can be double twice in your life
  • Delays in settling cashless claims will entitle you to 1% (subject to a limit of 6%) of the claim amount
  • If there is a delay of more than 10 days in issuing the policy then you get an additional sum assured of Rs. 10,000 under Plan A and Rs. 20,000 under Plan B
  • Under plan B the insurance can be renewed for free once if the insured is diagnosed with a specified critical illness
  • Discounts ranging from 10% to 50% on medicines, consultation and investigations at specified outlets
  • Access to general physicians or specialists to discuss health issues over the phone
Add-ons Accidental death cover of Rs. 1 lakh under Plan B. Valid for 1 year and provided for every claim-free year
  • Cosmetic surgeries
  • Intentional harm done to self which includes substance abuse like drugs and alcohol
  • Treatment outside India will not be covered
  • Stem cell treatments will not be covered
  • Dental procedures or surgeries will not be covered
  • Non-allopathic treatment including experimental or unproven treatment will not be covered

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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