Reliance Critical Illness Insurance

With Reliance Critical Illness policy we provide you health coverage for ten critical illness. This Policy is available over & above the reimbursement of the regular Health Insurance Policies. For the first time in India, we have a policy that caters to Life Threatening and Lifestyle disabling diseases.

Reliance Critical Illness Insurance Review

Sum Insured
3 lacs − 130 lacs options available
Tenure Options
1 and 3 years
Claims Incurred Ratio *
Claims Settlement Ratio **
List of Network Hospitals
7,300+ hospitals
Number of Policies issued *
Number of Lives Covered *
Maximum Family Floater Coverage
Self, Spouse + 6 dependent children
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

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Reliance Critical Illness Insurance plans details

  • Eligibility
  • Coverage
  • Exclusions

Who is Eligible?

  • The minimum entry age to purchase a Reliance critical illness policy is 18 yrs and above.​

Coverage Details

  • Wide Sum Insured options to choose between Rs. 5 lakhs, 7 lakhs and 10 lakhs.
  • Lumpsum payment enables you to plan the treatment accordingly.
  • Income Tax benefits under Section 80 D of the Income Tax.
  • Policy period for one year and three years.

What is covered under critical health insurance plan?

  1. Heart attack, stroke
  2. Particular types of cancer when diagnosed at certain stages
  3. Critical health conditions like multiple sclerosis
  4. Major Organ/ Bone Marrow Transplant
  5. Third Degree Burns
  6. Aorta Graft Surgery
  7. Open Heart Replacement or Repair of Heart Valves
  8. Coma of Specified Severity
  9. Quadriplegia / Permanent Paralysis of all four limbs
  10. Total Blindness
  11. Kidney Failure Requiring Regular Dialysis

What are the Exclusions Applicable to Critical Illness Insurance?

  • A critical health insurance plan may not offer risk coverage for all chronic diseases/illnesses like
  • All diseases, illnesses, injuries which are pre-existing when the cover incepts for the first time under this Policy.
  • Critical illness contracted or evidenced through signs and symptoms within 3 months of the inception date of this Policy.
  • No benefit under the policy if death occurs within 30 days of diagnosis of the critical illness or performance of surgery.
  • Certification/diagnosis by a family member, person not registered as Medical Practitioner or any diagnosis that is not scientifically recognized.
  • Any critical illness arising out of any congenital Illness or condition or disorder whether internal or external.
  • Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof.
  • Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse.
  • Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery/
  • complications/ illness arising as a consequence thereof.
  • Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV) infection.
  • Critical illness arising due to intentional self-injury, suicide or attempted suicide.
  • Any critical illness arising or resulting from the Proposer or any of his family members committing any breach of law or participating in an actual or attempted felony, riot,
  • crime, misdemeanor or civil commotion.
  • War, Terrorism induced Critical Illness/Surgery or caused by nuclear weapons.

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Reliance Citation

"Mr. Arvind Naaz , Chief Marketing Officer - RGICL (Reliance General Insurance Co. Ltd) says NRIOL being a key partner has helped provide a quick, convenient & efficient service through portal to Reliance General Insurance customers."

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