Quote Form

Our representative will call you within few minutes
Health Insurance 534 views June 7, 2021
Reliance HealthGain policy provides financial protection against medical expenses during the policy term. This policy is available to persons aged between 18-65 years. Under this policy, you can cover your spouse, daughter, son, mother, father, siblings, grandmother, grandfather, granddaughter, grandson and daughter-in-law/son-in-law. You can purchase this policy on an individual or family floater basis. Continue reading this page below and know more about the coverage of the Reliance HealthGain Insurance Plan.
Table of Contents
You can purchase this plan by choosing any of the following plans –
Plan A | Plan B |
---|---|
Sum insured options of INR 3 Lakh, 6 Lakh and 9 Lakh Road ambulance cover up to INR 1,500 per hospitalization No entry age bar Pre-Policy Issuance Medical Check-up is required for individuals aged >=45 years | Sum insured options of INR 15 Lakh, 15 Lakh and 18 Lakh Road ambulance cover up to INR 3,000 per hospitalization Personal accidental death cover of INR 1 Lakh One time renewal premium waiver if the policyholder suffers from a critical illness as specified in the policy schedule |
You’ll get coverage against the following medical expenses under this policy
Reinstatement of Base Sum-Insured
If the policy sum insured exhausts due to a claim or two, the insurer will restore it to 100% for further usage. However, only 20% of the restored sum insured can be used for the illness for which you have already claimed during the policy year. Whereas 100% of the sum insured can be used for a new or unrelated illness.
Cumulative Bonus
If you haven’t filed any claim during a policy year, you’ll be entitled to a cumulative bonus of 33.33% on your base sum insured.
Note: Total Cumulative Bonus should not exceed 100% of sum-insured.
At the end of 4 consecutive claim-free years, you will receive the Call-Option with which you can double your sum-insured using your cumulative bonus. You can increase your sum insured up to 4X the base sum insured (under the first policy period) or INR 50 Lakh.
Note: You can exercise this option up to the age of 60 years. Exercising the call option will attract an extra premium.
Under this policy, the following waiting period shall apply from the date of inception –
The insurer shall not pay for the medical expenses arising out of the following –