Reliance Critical Illness insurance

Reliance Critical Illness health insurance rerview

• Reliance health insurance - Key Features

  • Room Rent : No Room Rent Restriction
  • Co-pay : No Co-payment
  • Restoration Benefit : NIL restoration benefit

  What is covered under critical health insurance plan?

  • Heart attack, stroke
  • Particular types of cancer when diagnosed at certain stages
  • Critical health conditions like multiple sclerosis
  • Major Organ/ Bone Marrow Transplant
  • Third Degree Burns
  • Aorta Graft Surgery
  • Open Heart Replacement or Repair of Heart Valves
  • Coma of Specified Severity
  • Quadriplegia / Permanent Paralysis of all four limbs
  • Total Blindness
  • Kidney Failure Requiring Regular Dialysis

• Reliance health insurance - Coverage details

  • Wide Sum Insured options to choose between Rs. 5 lakhs, 7 lakhs and 10 lakhs.
  • Lumpsum payment enables you to plan the treatment accordingly.
  • Income Tax benefits under Section 80 D of the Income Tax.
  • Policy period for one year and three years.

• Reliance health insurance - benefits

  • Coverage for 10 Critical Illnesses/Surgeries
  • Lumpsum payment enables you to plan the treatment accordingly
  • No Medical Test upto the age of 45 years
  • Policy duration for 1 year and 3 years
  • Income Tax Benefits
  • Renewal Reward - 5% No Claim discount upon every Claim free renewal for 1 year policy term & 10% No Claim discount on cumulative basis upon every claim free 3 year policy term subject to a maximum of 50%. Policy should be renewed without break.

• What are the Exclusions applicable to Critical Illness insurance?

  A critical health insurance plan may not offer risk coverage for all chronic diseases/illnesses like

  • All diseases, illnesses, injuries which are pre-existing when the cover incepts for the first time under this Policy.
  • Critical illness contracted or evidenced through signs and symptoms within 3 months of the inception date of this Policy.
  • No benefit under the policy if death occurs within 30 days of diagnosis of the critical illness or performance of surgery.
  • Certification/diagnosis by a family member, person not registered as Medical Practitioner or any diagnosis that is not scientifically recognized.
  • Any critical illness arising out of any congenital Illness or condition or disorder whether internal or external.
  • Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof.
  • Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse.
  • Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery/
    complications/ illness arising as a consequence thereof.
  • Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV) infection.
  • Critical illness arising due to intentional self-injury, suicide or attempted suicide.
  • Any critical illness arising or resulting from the Proposer or any of his family members committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor or civil commotion.
  • War, Terrorism induced Critical Illness/Surgery or caused by nuclear weapons.