Reliance HealthGain insurance

Schengen visa medical insurance - Benefits

• Unique features of Reliance health plans

  • Special Privileges for covering girl child and single woman
  • Reinstate the policy with base Sum Insured after its exhaustion
  • Cumulative bonus at the end of a claim-free year
  • 5% / 10% family discount with an individual policy
  • Claim and policy service guarantee in case of delay
  • Free auto-extension of the policy for an additional year
  • 5% premium discount for Reliance Private Car Package policy customers

  Reliance health insurance - Key features

  • Room Rent : Upto Private Single A/c Room
  • Co-pay : NIL for insureds <61 yrs/ 20% co-pay for ages > 61 yrs
  • Restoration Benefit :Upto 100% of Base SI per year under certain plans

• Reliance health insurance - Eligibility Criteria

  Plan A	Plan B
  Pre-policy Issuance Medical Check-up
  >=46 years	>=18 years
  Entry Age - Maximum
  65 years. No entry age bar for an insured sum of 3 lakh	65 years
  Entry Age - Minimum
  Individual/Floater - 5 years or above. Children between 91 days & up to 4 years can be covered under a floater with at least one member aged 21 years or above
  Exit Age
  No exit age. This policy offers lifelong renewability.
  Individual Option
  Can cover maximum 6 members individually under the same policy
  Floater Option
  Can cover maximum 6 members under the same floater = 4 (children) + 2 (members >=21 years of age)

• Benefits of Reliance standard insurance

  Plan A	Plan B
  Sum Insured - on annual basis
  3Lacs, 6Lacs , 9Lacs	12Lacs, 15Lacs & 18Lacs
  Domestic Road Ambulance
  Upto 1500	Upto 3000
  Policy Service Guarantee
  Sum Insured of 10,000 for delay in policy issuance	Sum Insured of 20,000 for delay in policy issuance
  Accidental Death Cover for No Claim Renewal
  No	1 lac personal accident- Death Cover for policyholder insured.
  Insurance renewal
  No	One time renewal premium waiver if the policy holder - Insured suffers from named critical illness
  Pre-hospitalisation
  60 days	60 days
  Post hospitalisation
  60 days	60 days
  Re - instatement of Base Sum Insured
  One re-instatement upto 100% of base Sum insured, subject to submit of 20% for related illness / injury.	One re-instatement upto 100% of Base Sum Insured, subject to sublimit of 20% for related illness/ injury
  Hospitalisation Expenses (a)In-patient treatment (b)Day care treatments
  Yes	Yes
  Wellness
  Yes	Yes
  Donor Expenses
  50% of base sum insured upto a maximum of 5 lacs	50% of base sum insured upto a maximum of 5 lacs
  Domiciliary Hospitalisation
  Upto 10% of base sum insured, subject to a maximum of 50000	Upto 10% of base sum insured, subject to a maximum of 50000
  Wellness
  Yes	Yes
  Cumulative Bonus
  33 1/3% increase in base sum insured for every claim - free year; maximum upto 100%. 33 1/3% decrease in base sum insured for every claim year; maximum upto cumulative bonus earned.	33 1/3% increase in base sum insured for every claim - free year; maximum upto 100%. 33 1/3% decrease in base sum insured for every claim year; maximum upto cumulative bonus earned.
  Call Option
  The maximum Sum Insured (Base + Cumulative Bonus) shall be Minimum of four times of the base sum insured (under first policy period) or Rs. 50 lakhs. Can be exercised up to the age of 60 years. Exercising of call option will attract extra premium.	The maximum Sum Insured (Base + Cumulative Bonus) shall be Minimum of four times of the base sum insured (under first policy period) or Rs. 50 lakhs. Can be exercised up to the age of 60 years. Exercising of call option will attract extra premium.
  Claim Service Guarantee
  Cashless Claims 1% of claim amount for every delay of 6 business hours beyond 6 hours of receipt of all information / documents Re-imbursement Claims -1% of claim amount for every delay of 21 days beyond 21 days of receipt of all information / documents. (Maximum - 6% for a claim amount)	Cashless Claims 1% of claim amount for every delay of 6 business hours beyond 6 hours of receipt of all information / documents Re-imbursement Claims -1% of claim amount for every delay of 21 days beyond 21 days of receipt of all information / documents. (Maximum - 6% for a claim amount)

• Exclusions under the Reliance health plans

  • Intentional self-injury / injury under influence of alcohol or drugs / criminal act
  • Treatment received outside India / Stem Cells surgery
  • War / Nuclear / Chemical / Biological
  • Diseases such as HIV or AIDS or STD
  • Diseases existing from the time of birth (Congenital diseases)
  • Maternity, fertility excluding Ectopic pregnancy
  • Cost of spectacles, contact lenses and hearing aids
  • Dental treatment or surgery
  • Treatment of mental illness
  • Cosmetic, aesthetic treatment
  • Non-allopathic, Out-patient treatment
  • Unproven / Experimental treatments