Reliance Healthwise Insurance

Coverage of hospitalisation expenses

Expenses incurred towards -

• Hospital (Room, boarding & operation theatre) charges
• Doctors & Nurses fees
• Medical tests
• Medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs

Domiciliary hospitalisation
All expenses related to a medical treatment, which is being administered at home, provided that
(a) Patients conditions does not allow him to be shifted to a hospital or
(b) Due to lack of accommodation at the hospital

Day Care Treatment
Medical expenses towards day care treatments / surgeries where 24 hours of hospitalisation is not required subject to treatment / surgeries listed in the policy document.

Pre and Post - hospitalisation medical expenses
Medical expenses related to your treatment before and after hospitalisaton for Standard Plan is 30 and 60 days whereas for Silver and Gold Plan is 60 and 90 days respectively.

Pre-Existing diseases
Pre-existing diseases / illness / injury / conditions covered after four years of continuous coverage for Standard Plan & two years for Silver and Gold Plan.

Cost of health check Up
Cost of Health Check up at the end of a block of tour consecutive years, provided there were no claims reported.
Individual : 1% of average Sum Insured
Floater : 1.25% of average Sum Insured

Critical Illness - Additional Sum Insured
Gold Plan offers an additional amount equivalent to Sum Insured opted under Hospitalisation for treatment of listed critical illness such as Cancer, Coronary Artery Bypass Graft, First Heart Attack, Kidney Failure, Multiple Sclerosis, Major Organ Transplant, Stroke, Aorta Graft Surgery, Paralysis and Primary Pulmonary Arterial Hypertension more specifically defined in the policy. Once a claim is accepted & paid for, coverage under this section will not be available for that person for all future renewals.

Donor Expenses
All hospitalisation expenses incurred by the donor in case of major organ transplant are covered (available only under Gold and Silver Plans).

Value Added Covers

• Daily Hospitalisation Allowance
• Reimbursement of charges toward local road ambulance services
• Expenses for nursing allowance as per the plan
• Recovery Benefit as per the plan if the insured person is hospitalised for more than 10 days
• Expenses on accompanying person will be provided as per the limits specified in the plan