Reliance General Health Insurance

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Overview of Reliance General Health Insurance 

About the Company 

Reliance general health insurance is one of the biggest and most reputed insurance firms of the country. The company has a vast customer portfolio including individual policy holders along with SMEs and corporate entities. It has more than 28,900 intermediaries across the country along with 139 offices in total. It also offers tele-calling and online services which are now readily accessible for customers.

Reliance offers varied insurance services covering health, motor, home, marine and travel segments. Reliance medical insurance is a key cornerstone of the company, offering peace of mind and safety to all policy holders. The company offers affordable and suitably tailored plans for customers.

Key Features Highlights
Sum Insured Rs 50,000 to Rs 1 crore (approx)
Plan Type Individual and Family Floater Plans
Eligibility Criteria Adult – 18 years to 65 years
Child – 91 days to 25 years
Policy Tenure 1/2/3 years
Network Hospitals 7300+
Incurred Claim Ratio* 89.36%
Cumulative Bonus Up to 100%
Renewability For a Lifetime
Pre-existing Diseases Waiting Period 2/3/4 years (depending on the plan)
Claim Settlement Ratio* 98%

Awards and Achievements of Reliance General Health Insurance

There are several accolades of the company including the following:

  • 2021 World Leadership Congress And Awards (Business Leader of the Year).
  • India’s Most Trusted Brand Awards 2021 (Best Claims Management).
  • ET Best Brands of The Year.
  • The Video Media Awards & Summit, 2021 (Best Video Content in a 360-degree campaign).
  • Digital Dragon Awards 2021 (Best Use of Animation or Graphics for BroBot/Best Content in a Video Marketing Campaign for BroBot).

>> Buy Health Insurance Plans for Individual and Family

Benefits of Availing Of Reliance Health Insurance Plans

  • High sum insured.
  • Coverage for everyone.
  • Vast network of hospitals.
  • High claim settlement ratio.
  • Cumulative bonus and easy renewability.
  • Quick claim settlement.
  • Affordable plans.
  • Coverage for pre and post hospitalization plans.
  • Free annual health check-ups and discounts for policy holders.

Health Insurance Plans Offered by Reliance General 

As per Reliance health insurance reviews, you will find that most of the company’s plans come with multifarious benefits. Here’s taking a closer look at the same:

  1. Reliance Health Infinity Policy– This plan offers coverage for robotic surgeries, hospitalization, AYUSH treatments, daycare costs, emergency ambulance costs and more. Both individuals and families may choose this plan with More Options for them as well. The sum insured varies between Rs. 3 lakh and Rs. 1 crore with coverage for both pre and post hospitalization costs with 5% premium savings for vaccinated policy holders. There are optional global coverage benefits along with zero sub-limits in case of room rent. There are voluntary co-payment options of 10% along with online discounts, customer discounts and family discounts in tandem with long-term policy discounts.
  2. Reliance Health Gain Insurance Plan– It offers coverage to both families and individuals and comes with two types. It covers hospitalization costs along with domiciliary treatment, organ donor costs, road ambulance costs, AYUSH treatment costs, daycare treatment costs and other procedures. The sum insured varies between Rs. 3 lakh and Rs. 18 lakh depending on the plan selected. Discounts are given for girl children or single and independent women. Accidental death coverage is also available for Rs. 1 lakh along with 100% restoration of the sum insured if it is exhausted by the customer. Those above 65 may be covered for Rs. 3 lakh as the sum assured. Lifelong policy renewability along with EMI premium payment options.

How to Buy Reliance General Health Insurance

Health insurance plans may be purchased online via various platforms and the official company website as well. You can pay online and get your policy issued accordingly. You should however provide all the information and documents required. You can also do it offline by calling the customer care number and requesting assistance or visiting the nearest branch.

The Process of Renewal Reliance General Health Insurance

You can instantly get your policy renewed online by signing in with your policy number or mobile phone number. You can pay online to get the renewal procedure completed.

How to File a Claim Reliance General Health Insurance

Here are the steps for filing your claim:

  • Immediate notifications are required in the event of any hospitalization or treatment as recommended by the doctor.
  • You can raise cashless claims by visiting any network hospital or any reimbursement claim by going to a non-network hospital.
  • You should keep information ready while intimating the claim. This includes  the name of the claimant, contact details, hospital name, relationship of the policy holder to the hospitalized individual, accident or ailment nature, time and date of accident if applicable and location, starting date of symptoms of any disease, etc.
  • You have to display your health card at the partner hospital while filling up the cashless request form at the TPA desk.
  • Submit this form with a copy of the health card. Keep your photo identity card with you.
  • The pre-authorization form is dispatched to RCare Health and post this, treatment will begin. The claimant/insured will verify and sign all bills at the time of discharge.
  • For filling reimbursement claims, you should notify RCareHealth about hospitalization, pay the entire bill and collect all the documents, bills and other reports. Submit them with the form to the company for processing within 15 days of getting discharged.

Claim Settlement Ratio of Reliance General Health Insurance

Financial Year Claim Settlement Ratio
2019-20 89.36%
2018-19 94%

FAQs on Reliance General Health Insurance

Why Reliance General Health Insurance ?

It offers quick processing of claims and settlement along with various other advantages including high coverage amounts, discounts and more.

What are the benefits of buying Reliance General Health Insurance plans?

Some of the benefits include cumulative bonus, discounts subject to meeting specific terms and conditions, high coverage amounts, fast settlement of claims, affordable premiums and a lot more.

Can I port out my current plan to any of the Reliance General Health Insurance plans?

You can port your health insurance plan to the company seamlessly.

What is the process to make a claim through Reliance General Health?

You can get cashless treatment by showing your health card at the third party desk and completing all formalities. You can also file a reimbursement claim after submitting all hospital bills and other documents.

How to make Reliance General Health online payment to renew the policy?

You can readily make payment online by signing in with your mobile phone number or your policy number.

What are the documents required for the claim settlement process at Exide Life Insurance?

The documents required include the following:

# Filled up claim form.
# Copy of the health card.
# Copy of the ID card of the insured person and PAN card of the policy holder.
# Treatment and prescription documents of the doctor.
# FIR copy if it is an accident.
# Investigation reports.
# Original discharge card of the hospital.
# Cancelled cheque.
# Original hospital payment receipts and bills.
# Certificate of the attending doctor, mentioning the condition of the patient.

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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