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 |
"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."