Reliance Health Insurance Faq

 What does this Policy cover?
 This Reliance HealthWise Policy covers for Hospitalisation Expenses, Domiciliary Hospitalisation, Day Care Treatment, Pre and Post Hospitalisation, Pre-Existing Diseases, Donor Expenses and more benefits.
*Please refer to the product details for more details.

 Who are covered under the Policy?
 Covered under the policy are:

• Children above the age of three months and adults below the age of 65 years, depending on the plan selected.
• Children between 3 months and 18 years can be covered only if one or both the parents are covered.
• Maximum age to enter the various plans is as below: Gold-55 years, Silver-60 years and Standard-65 years.
• A single person opting for the policy should have completed 18 years of age on date of proposal

 How can I get this Policy?
 For person below 45 years with a clear medical history all you need to do is fill in the necessary details in the online Proposal Form and complete the transaction online using your debit card / credit card. You can also make the payment by cheque or through NEFT.

All persons above 45 years & persons with medical history will have to undergo a pre-enrolment medical test. Once the proposal has been cleared for acceptance, the requisite premium should be paid and the insurance cover shall commence only thereafter.

Once your proposal is accepted, you will receive your Policy and Health Card

 How do I claim my insurance?
 You can claim your insurance through the cashless and/or reimbursement facility. To avail our cashless facility at more than 4000 of our network hospitals across the country, contact our Third Party Administrators (TPA) on the helpline numbers given on your health card. Once you submit the required documents, the TPA would arrange for cashless facility to be made available at the Hospital/ Nursing Home, provided the disease/illness/injury, for which you are admitted in the hospital, is covered under your Policy. In case of an admission in a non-network hospital, inform the details to our TPA on the helpline numbers given on your health card within 7 days of admission. After you get discharged from the hospital, submit all your original bills to our TPA and claim for the reimbursement within 30 days of discharge.

  What are the features on renewal of the policy?
 The features on the renewal policy are:

• Continuity Benefits-Shall be available only if the Policy is renewed within 15 days from the previous Policy expiry date.
• Renewal premium-Renewal discounts of 5% of base premium on each claim free renewal, subject to a maximum overall discount of 20% over all claim free periods.
• Renewal Age-Up to 75 years

  What are the features of this Family Floater Policy?
 Covers your family on a floater basis applicable to a maximum of four persons comprising of you, your spouse & two dependent children under 21 yrs of age. Example- If Mr. Sharma and his family choose a regular health insurance plan with Rs. 3 lakh Sum Insured each; they would have to pay individual premiums for each member of the family. In addition, the cover for each insured member would be only up to 3 lakhs, even if the treatment costs beyond Rs. 3 lakhs. But, if they take a Policy of Rs. 5 lakhs for the entire family under a floater plan offered by Reliance HealthWise Policy, anyone from the family can claim up to Rs. 5 lakhs.

 What does the Policy not cover?
  At Reliance General Insurance, we would like our Policy to be as transparent as possible. To ensure that you do not face any unpleasant surprises when you make a claim, we would like you to know some of the major exclusions under the Policy.

Certain ailments are not covered in the first year of the inception of the Policy. However, they are covered from the second year onwards. These are Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy or Menorrhagia or Fibromyoma, unless because of malignancy, Dilation & Curettage, Hernia, Hydrocoele, Congenital Internal Disease, , Fistula in Anus, Sinusitis, skin and all internal tumours, cysts, nodules, polyps of any kind including breast lumps unless malignant/ adenoids and hemorrhoids, Dilaysis required for Chronic Renal Failure, Gastric and Duodenal Ulcers.

*please refer to the product details for more exclusions