Health Insurance 211 views June 2, 2021

Reliance Hospi Care Insurance Plan

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.

  1. Surgical procedures coverage up to 100% of the sum insured
  2. Daily cash allowance benefit
  3. Day care procedures coverage
  4. Flexible sum insured options
  5. Cash benefit for other surgeries
  6. Coverage against hospitalization due to vector-borne diseases
  7. No original bill required for claims
  8. Long-term policy tenure discount on premiums
  9. A 15 or 30-day free look period
  10. Tax benefits under Section 80D of the Income Tax Act, 1961

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!

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Prominent Features and Benefits of Reliance Hospi Care Insurance Plan

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.

Flexible Sum Insured Options

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.

What are the Policy Tenures that You Can Choose From?

Under this policy, you can choose the policy term from multiple options – One, two or three years as per your need.

What is the Minimum Premium Amount?

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.

Surgical Procedures Cash Benefit

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.

Hospital Daily Cash Benefit

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.

Day Care Treatment Cash

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.

Other Surgeries Cash

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.

Hospitalization due to Dengue, Malaria or Chikungunya

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.

Discounts on Premiums

Reliance Hospi Care Insurance Plan provides a 10% discount on premiums in the following situations.

  1. One-time discount if the insured person is an existing customer or policyholder of Reliance General Insurance.
  2. If you are buying or renewing the policy through an official website or mobile app
  3. If you are choosing a policy tenure of two or three years (to get this, pay the premium as a lump sum)

Reliance Hospi Care Insurance Plan Eligibility Criteria

Check out the conditions related to the Reliance Hospi Care Insurance Plan before purchasing it.

  1. The minimum entry age stands at 18 and can go up to 65 years.
  2. The policy will cover per insured person on an individual sum insured basis.
  3. There is no limit on the maximum exit age for individuals under the policy.
  4. An individual should be an Indian resident.
  5. The daily hospital cash benefit will only cover medical treatments taken in India.

What is Not Covered Under the Plan?

Hospi Care Insurance Plan will not cover the following scenarios.

  1. War-related injuries will not get coverage under the hospital cash cover.
  2. Intentional self-injury or attempted suicide
  3. Injury caused while committing a criminal act
  4. Bodily injuries occured due to participation in any dangerous or adventurous sports.
  5. Treatment of illness or injury arising due to the use of alcohol, tobacco, narcotic or psychotropic substances
  6. Obesity or any cosmetic surgery-related treatments
  7. Correction of eyesight due to refractive error
  8. Treatment at a healthcare facility, which is not a hospital
  9. Treatment availed outside India
  10. Any treatment administered by a medical practitioner, which is outside his/her discipline
  11. Plastic or cosmetic surgery or treatments (unless it is considered a medical necessity)
  12. Unnecessary medical treatments

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