Reliance HealthWise Health Insurance Plan

Entry Age

5 years and above. Children too can be covered under this policy provided one of the members is over 21 years of age

Basis

Individual / Family floater

Policy Period

1 year

Renewability

Lifelong

Discount

5% discount on renewal if no claims have been made

Coverage

1. In case treatment is sought in a hospital where cashless facilities are not available, the expenses incurred will be reimbursed
2. Cost of doctor fee, nursing expenses and operating theatre charges
3. Hospital room charges will also be covered Covers of cost of medicines anaesthesia and oxygen
4. Expense incurred for surgical appliances, pacemakers and radiology
5. Day-care treatment for procedures and surgeries that don't require hospitalisation
6. Cost of domiciliary treatment
7. Pre and post hospitalisation expenses
8. Expenses incurred by organ donors but cover provided only under Gold and Silver plans
9. Cover for ambulance charges
10. Pre-existing conditions will be covered after a waiting period of 2 to 4 years
11. Specific illnesses will be covered after 1 year
12. First heart attack will be covered if it is of specified severity

Benefits

1. Provides cashless treatment facilities at more than 3000 network hospitals
2. Provides nursing allowance for 5 days
3. Provides access to discounts of 10% to 40% on memberships, investigations, medicines and other products
4. Premiums paid towards this policy qualify for tax benefits under section 80D
5. If hospitalisations exceeds 10 days, policyholders are paid a recovery benefit
6. The policy provides specified amounts to cover the expenses of the person accompanying the policyholder
7. The policy also comes with a free look period of 15 days

Exclusions

1. Treatment resulting from substance abuse like alcohol or other intoxicants
2. Vaccinations and inoculations will not be covered
3. Treatment resulting from acts of war
4. Treatment for ailments related to HIV/AIDS
5. Expense of investigations and diagnosis including lab work
6. Hospitalisation outside India will not be covered