Group Health Insurance 159 views June 12, 2021

Reliance General Group Health Insurance

Reliance General Group Health Insurance helps employers cover their employees against different medical emergencies. Employers can choose a suitable plan from different options according to their needs. Whichever plan the employer opts for, the benefits would most likely remain the same for all the members insured under the policy. Let’s check the important features of Reliance Group Health Insurance.

  1. Hospitalization expenses cover
  2. Coverage against pre-existing diseases from the first day of insurance
  3. Premium according to the size of the group
  4. The cashless facility at more than 7,300 network hospitals across India
  5. The hassle-free claim settlement process

Read through this page to know the features and benefits of different group health insurance plans of Reliance General Insurance in detail.

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Features and Benefits of Reliance General Group Health Insurance Plans

Reliance General Group Health Insurance provides diverse plans so that employers can take care of their employees during a medical emergency. These plans are Group Mediclaim Insurance Policy, Group Personal Accident and Group Hospi Cash Insurance Plan.

We will be discussing the features and benefits of these plans in a detailed manner. Have a look!

Reliance General Group Mediclaim Insurance Policy

This group policy from Reliance General provides comprehensive health insurance cover to a group of workers employed with the same organization. One of the best things about this plan is its affordable premium compared to regular health insurance plans. Insured members can get coverage against illnesses and injuries from the very first day.

We are showing the important features of this plan below. Have a look!

  1. Individual cover to every employee under a group
  2. Flexible sum insured of INR 50,000 and INR 1 lakh
  3. Option to cover 7 to 100 workers (aged between 18 and 60 years) under the plan
  4. Maternity benefit option
  5. In-patient hospitalization coverage (Room rent, nursing, ICU, medical practitioners, Diagnostic procedures, etc.)
  6. Pre and post-hospitalization cover for 30 and 60 days, respectively
  7. Day care treatment coverage
  8. Domiciliary hospitalization coverage
  9. AYUSH Treatment cover
  10. Modern treatment up to 50% of the sum insured (Oral Chemotherapy, Balloon Sinuplasty, Deep Brain Stimulation, etc.)

Insured members will not get coverage in the following situations.

  1. Expenses related to any admission primarily for diagnostics and evaluation purposes
  2. Any diagnostic expenses not related or not incidental to the current diagnosis and treatment
  3. Rest, cure, rehabilitation and respite care
  4. Wellness and Rejuvenation
  5. Refractive error
  6. Unproven treatments
  7. Maternity-related expenses
  8. Hazardous or Adventure sports
  9. Cosmetic or plastic surgery
  10. Substance abuse and alcohol
  11. Non-medical expenses
  12. Dental Treatment or surgery
  13. Cost of spectacles, contact lenses and hearing aids

Reliance General Group Personal Accident Plan

This group personal accident plan provides financial coverage to the employees/ members of corporate/ association/ club as well as their family members if an insured person faces a physical loss due to an accident. Insured members under this plan can get coverage against death or disablement due to an accident anywhere in the world.

Let’s check the benefits of this plan mentioned below to get more clarity. 

  1. Accidental death benefit up to 100% of the sum insured
  2. Up to 50% of the sum insured in case of loss of sight of one eye, or of the actual loss by physical separation of one entire hand or one entire foot
  3. 75% of the sum insured cover in case of loss of hearing in both ears
  4. Temporary total disablement cover up to INR 5,000 per week (for a maximum of 100 weeks)
  5. Carriage of the dead body covered up to 2% of the sum insured or INR 2,500
  6. Education Grant for dependent children up to 10% of the sum insured (up to INR 10,000)
  7. Medical expenses covered up to 20% of the sum insured

Reliance Group Hospi Cash Insurance Plan

Do check the highlights of the Reliance Group Hospi Cash Insurance Plan mentioned below.

  1. In-patient treatment cover (equal to the daily cash amount for a specific number of days)
  2. AYUSH treatment cover up to 15 days on an in-patient basis
  3. Additional 100% of the daily cash amount for specific days in case of ICU Hospitalization
  4. Lump sum amount benefit in case of day care treatment
  5. Convalescence cover in case the hospitalization period is more than 10 continuous days (once in a policy year)
  6. Accidental death & disability coverage
  7. Accidental medical expenses up to 20% of personal accident sum insured or INR 5 lakh (whichever is lower)
  8. Companion Cover as an additional 50% of the daily cash amount
  9. Maternity cover as a lump sum payment of 5 times the daily cash or INR 35,000
  10. Waiver of Waiting Period for Pre-Existing Diseases (0, 12 or 24 months)

Under this policy, the following will not be covered. 

  1. Investigation & Evaluation
  2. Self-injury or suicide
  3. Rest Cure, rehabilitation and respite care
  4. Obesity/ Weight Control
  5. Change-of-Gender treatments
  6. Cosmetic or Plastic Surgery
  7. Hazardous or Adventure sports
  8. Breach of law
  9. Excluded Providers
  10. Substance Abuse and Alcohol
  11. Wellness and Rejuvenation
  12. Dietary Supplements & Substances
  13. Refractive Error
  14. Unproven Treatments
  15. Sterility and Infertility
  16. Treatments taken outside India
  17. Maternity Expenses
  18. Dental Treatments
  19. Domiciliary Hospitalization and Home Treatment

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