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Health Insurance 632 views June 2, 2021
Reliance Hospi Care Insurance Plan is a unique plan that helps you stay prepared for different uncertainties. This plan from Reliance General Insurance provides a lump sum benefit for 150+ listed surgeries and 140+ day care procedures occurring due to an illness or accident. This plan provides the much-needed financial support in case of a medical emergency. Before getting further, let’s look at its key features mentioned below.
Now you would want to know these features of the Reliance Hospi Care Insurance Plan in detail. On this page, we will discuss the same so that you can understand it better. Let’s start!
Table of Contents
Reliance Hospi Care Insurance Plan is a fixed benefit hospitalization cash policy that offers a lump sum benefit to you and your family in a medical emergency. Let’s check out its key features and benefits mentioned below.
Hospi Care Insurance Plan from Reliance provides multiple sum insured options – INR 1 lakh, 2 lakh, 3 lakh, 4 lakh, 5 lakh and 10 lakh. Policyholders can choose from these according to their needs and affordability. All the benefits under the plan will depend on the chosen sum insured option. Also, you can enhance your sum insured at the time of renewal of your policy.
Under this policy, you can choose the policy term from multiple options – One, two or three years as per your need.
The premium amount depends on the sum insured and the entry age of the policyholder. The minimum premium amount stands at INR 1,669 for an 18-year old individual with a sum insured of INR 1 lakh.
During the policy term, if a policyholder needs to undergo surgery (due to an illness or accident), the policy will provide up to 100% of the sum insured. The coverage amount will depend on the surgical procedure.
For example, in case of surgeries like CABG (Coronary Artery Bypass Grafting), Heart or lung transplant, cholecystectomy (gallbladder removal) and bone marrow transplant, you will get 100% coverage. However, you will get 40% of the sum insured in case of total knee replacement.
During hospitalization, you will get a daily hospital cash allowance of up to INR 4,000 per day for a maximum of 60 days. In case of ICU admission, you will get a double allowance (INR 8,000 per day) for a maximum of 15 days. However, if your hospitalization period is less than 7 days, a 1-day allowance will be deducted.
Policyholders can get up to INR 50,000 as a lump sum amount towards the expenses incurred on a few specific day care procedures, irrespective of the actual treatment cost.
If a policyholder has to undergo a particular surgery ( not listed under the policy) he/she will still get coverage up to INR 20,000 as other surgeries cash benefit, regardless of the actual treatment cost.
Under all the sum insured options, you will get a lump sum benefit of INR 20,000 if you need to get hospitalized for the treatment of vector-borne diseases such as dengue, malaria or chikungunya. However, the hospitalization period should be more than three days to get this benefit.
Reliance Hospi Care Insurance Plan provides a 10% discount on premiums in the following situations.
Check out the conditions related to the Reliance Hospi Care Insurance Plan before purchasing it.
Hospi Care Insurance Plan will not cover the following scenarios.