• Reliance HealthGain Health Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    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 cover provided. The plan can also be taken as an individual plan 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
    Discount
    • 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
    Coverage
    • 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
    Benefits
    • 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
    Exclusions
    • 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.

    Reliance HealthGain Insurance Plan Reviews

  • Page 1 of 4 1 2 3 4
    • Reliance General Health Insurance
      "Hopeless Service"
      0.5 0.5/5 "Unacceptable"
      They are a joke to the insurance sector. They will never give you any claim and even if you write to them, they will never bother to reply. I took a policy medical from Reliance and trust me during the time of claim they did not pass it when we inquired they did not reply. Thief company
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 21, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy with the Reliance. I never used this policy for any medical purposes. I've been paying a premium of 11000 per year for the policy. I never had any claim experience with the policy. I see this as a back up fund in case of any medical emergency.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Reliance general from last 2 years, i am happy with the coverage value of this insurance policy as they cover up to Rs 6 lakhs for this insurance policy. I pay a premium of Rs 10000 for this insurance and i have no claim experience with this insurance.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 28, 2018
    • Reliance General Health Insurance
      "Reliance car insurance"
      0.5 5.0/5 "Blown Away!"
      From RELIANCE GENERAL INSURANCE i have taken a car insurance were the premium of 32000 for an year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. I have to renew the policy every year.
      Was this review helpful? 0
      , chandrapur
      Reviewed on May 14, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I have a health insurance with Reliance general from last 3 years, i am happy with the coverage value of this insurance policy as they cover up to Rs 4 lakhs. I am not aware of the premium amount as my company pays it. My claim experience was good and they covered 90% and it was a cashless treatment.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 10, 2018
    • Reliance General Health Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      I have got the health insurance policy from the RELIANCE GENERAL INSURANCE company , I have got this policy around 5 years ago, This policy covers 4 members in my family and it has the medical coverage amount up to Rs,5,00,000. I have never used this policy so far.
      Was this review helpful? 0
      , guntur
      Reviewed on Apr 12, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Reliance from last 7 years and it is a good insurance policy to use. I am not aware of the premium amount as the company pays it. My claim experience was good with this insurance and they covered up to 20%. I have a coverage of Rs 2 lakhs in this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 26, 2018
    • Reliance General Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance from RELIANCE GENERAL INSURANCE and the policy coverage is 3 lakhs. They do provide cashless facility. This policy can be given to the family members as well.There is no claim experience with Reliance till date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 22, 2018
    • Reliance General Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a Health insurance with Reliance General insurance.I am holding the policy for last one year.I have no claim experience with them. I am not paying any premium as its paid by the company.The policy coverage amount is two lakhs including the family members.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 07, 2018
    • Reliance General Health Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I am having a health insurance policy with Reliance general from last 7 years and it is a good insurance policy to use.This policy has to be renewed every year and i pay a premium of Rs 12000-13000 for this insurance. I have not taken any cashless treatment and i do not have claim experience with this insurance. I have a coverage of Rs 6 lakhs which is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 12, 2018
    • Reliance General Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the Reliance general insurance company. Coverage value was around 5 lakh Rupees and the response was good one too. I would like to say that the customer service was good one too with the Reliance general insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • Reliance General Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance with Reliance.The premium amount is 3000 very low as compared to other i hold.The policy coverage amount is five lakhs.I have no claim experience till date.I get the best benefits comparatively.The payment does not through an ECS.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 19, 2017
    • Reliance General Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have got the reliance general insurance policy this year , which is provided by my company. This policy covers 5members which is myself, my spouse , my son and my parents. The customer support is average with the Reliance general insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 22, 2017
    • Reliance General Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a health insurance for my children's with Reliance general insurance,its been one year since i have taken the policy.The premium is 1200 paid monthly via an ECS got registered with my savings account.Policy coverage is given up to two lakhs.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 11, 2017
    • 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
      "Need to improve"
      0.5 1.0/5 "Really Bad"
      I do have health insurance policy with the Reliance general insurance company and it was referred by my friend. I have not faced any claims with them and the premium is around 10000 Rupees and the coverage value is up to 250000 Rupees. They are not having good number of tie ups with the hospitals across the city.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 18, 2017
    • Reliance General Health Insurance
      "Good policy for family"
      0.5 4.0/5 "Great!"
      My company provided REALIANCE health insurance with the medical coverage of Rs. 3 Lakhs for my entire family. It is very much useful for me, When my child hospitalized for the dengu fever, Hospital charged me Rs. 60,000 except room charges. I submitted my child medical reports to my company to claim the reimbursement. Reliance taken some time, But they had processed the full amount of Rs. 60,000 but I could not claim the room charges of Rs. 5000 to 6000.
      Was this review helpful? 1
      , greater noida
      Reviewed on Feb 24, 2017
    • Reliance General Health Insurance
      "Response is quick"
      0.5 4.0/5 "Great!"
      Reliance health insurance is really quick and it is very good. The health coverage what they provide is 2 lakhs. I normally make the premium on a yearly basis. I had got a hard copy for the same and they had provided the booklet which has got the list of hospitals too.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Nov 12, 2016
    • Reliance General Health Insurance
      "Bed company think twice before take insurance"
      0.5 1.0/5 "Really Bad"
      I took health insurance form this company, once I hospitalised and submitted all the documents for claim but I am waiting from last 4 months they are saying to give in 1 week but not giving till now. Bed company think twice before take insurance
      Was this review helpful? 1
      , gwalior
      Reviewed on Oct 18, 2016
    • Reliance General Health Insurance
      "My medi claim insurance"
      0.5 5.0/5 "Blown Away!"
      Yearly, I had to pay about 2 lakhs for my RELIANCE medi claim insurance. I am holding this insurance for the past 4 years. I normally make the payment through cheque and I had taken this insurance through my friend. I did not experience any challenges till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2016
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