Reliance HealthWise Insurance

Children above the age of three months and adults below the age of 65 years. Children between 3 months and 18 years can be covered only if one or both the parents are covered. Maximum age to enter the plan is 65 years

Reliance HealthWise 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 HealthWise Insurance plans details

  • Benefits
  • Exclusions
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.

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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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