Reliance HealthWise Insurance

Reliance HealthWise Insurance plans details

• Reliance HealthWise Insurance plan benefits

  Coverage Benefits in US	Standard Plan	Silver Plan	Gold Plan
  Hospitalisation	Yes - Covers Hospitalisation expenses for period more than 24 hours
  Domiciliary Hospitalisation	Yes-- Limited to 10% of Sum Insured, for medical expenses incurred for availing Medical treatment at home which would have otherwise required hospitalisation
  Day care treatment	Yes
  Pre-Hospitalisation Medical Expenses	30 days	60 days	60 days
  Post-Hospitalisation Medical Expenses	60 days	90 days	90 days
  Pre-Existing Disease	After 4 continuous renewals	After 2 continuous renewals	After 2 continuous renewals
  Cost of Health Check-up	Yes- Reimbursement of cost of medical check-up upto 1% of average Sum Insured for individual policies and upto 1.25% for Floater covers, once at the end of a block of four consecutive years provided there are no claims reported under the policies by any member, during the block
  Critical Illness	No	No	Yes
  Donor Expenses	No	Yes	Yes
  Value added covers
  Daily Hospitalisation Allowance	No	No	Rs. 250 per day upto 7 days
  Nursing Allowance(Per day amount)	No	Rs.250 per day for a maximum period of 5 days	Rs.300 per day for a maximum period of 5 days
  Local Road Ambulance Service (maximum of)	Upto Rs. 500/-	Upto Rs. 750/-	Upto Rs. 1000/-
  Recovery Benefit	No	Yes - If in case an insured person is hospitalised for more than 10 days, a lump-sum of Rs. 10,000/- will be paid
  Expenses on accompanying person (per day amount)	Rs. 200/- per day for a maximum period of 5 days	Rs. 250/- per day for a maximum period of 5 days	Rs. 300/- per day for a maximum period of 5 days

• Exclusions under the Reliance health plans

  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).
  • Expences arising out of or attributable to alcohol or drug use/misuse/abuse.
  • Cost of spectacles/contact lenses, dental treatment.
  • Medical expenses incurred for treatment of AIDS.
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.
  • Any pre–existing illness for the first two years/ four years of the policy as per the plan selected.
  • Dental treatment or surgery of any kind unless requiring hospitalisation with minimum 24 hours stay and treatment.
  • Tests and treatment relating to infertility and in vitro fertilisation.
  • Congenital disease.
  • Treatment resulting from acts of war.
  • Non-allopathic treatment.