Reliance HealthGain Policy

Reliance HealthGain is a health insurance policy that covers individuals and the entire family against hospitalization and other medical treatment expenses. The policy offers reinstatement of the Sum Insured if the total sum insured is exhausted during the same policy year.

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Wellness Program
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Cashless Hospitalization
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Reliance HealthGain Policy - Key Features

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Re-instatement of base sum insured, if the total sum insured has been exhausted

Free auto-extension
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Free auto-extension of policy for one year in case of named critical illness

Cover for extended family as well

Lifelong renewal
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Lifelong renewal for health insurance

Premium discount
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5% premium discount for a girl child or single woman.

Comprehensive cover
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Comprehensive cover - up to Rs. 18 lacs

Reliance HealthGain Policy - Benefits

Additional Benefits/Features of Reliance HealthGain Policy

  • Wellness Program – The program includes a free health helpline, consultation with a medical practitioner, discounts from che...

Eligibility conditions & other restrictions in Reliance HealthGain Policy

Particulars Plan A Plan B
Pre-Policy Issuance Medical Check-up >=46 years >= 18 years
Entry Age – Minimum Individual/Floater – 5 years or above

Children – between 91 days & up to 4 years can be covered under floater, with at least one member aged 21 years

Entry Age – Maximum 65 years, no entry age bar for an insured sum of Rs. 3 lacs 65 years
Exit Age No Exit Age, the policy offers long time renewability
Tenure 1 or 2 years
Maximum Members Individual – 6

Floater – 6 under the same floater = 4(children)+ 2 (members>=21 years of age)

Waiting period Any illness – 30 days,

Named Ailments – 2 years,

Pre-existing diseases – 18 months

Co-payment 20% of the assessed claim amount for those insured whose age at entry is 61 years or above

Exclusions - What is not covered in Reliance HealthGain Policy?

  • Intentional self-injury /injury under influence of alcohol or drugs/criminal act
  • Treatment received outside India or Robotic /Stem Cells surgery
  • War/Nuclear/Chemical/Biological
  • HIV/ADIS or Sexually Transmitted Disease (STD)
  • Congenital diseases
  • Maternity, Fertility excluding Ectopic Pregnancy
  • Cost of spectacles, contact lenses and hearing aids
  • Dental treatment or surgery
  • Treatment of mental illness
  • Cosmetic, Aesthetic, treatment
  • Non-allopathic, Out-patient treatment
  • Unproven /Experimental treatments
  • Arthritis, Gout
  • Benign ear, nose and throat (ENT) disorders
  • Benign Prostatic Hypertrophy
  • All types of Hernia, Hydrocele
  • Internal tumors, skin tumors, cysts
  • Kidney Stone / Ureteric Stone /Lithotripsy / Gall Bladder Stone

Reliance HealthGain Policy - FAQs

angle right iconWhat is covered in Reliance HealthGain Policy?

The plan offer two variants of cover Plan A and Plan B, below are the benefits illustrated under each plan, which will be paid to the life insured.

Benefits Plan A Plan B
Sum Insured (in Rs.) 3 lacs, 6 lacs, 9 lacs 12 lacs, 15 lacs, 18 lacs
Domestic Road Ambulance Rs. 1500 Rs. 3,000
Policy Service Guarantee Sum insured of Rs. 10,000 for delay in policy issuance Sum insured of Rs. 20,000 for delay in policy issuance
Accidental Cover for no claim renewal No Rs. 1 lac personal accident – death cover for – policyholder – insured
Insurance Renewal No One time premium waived, in case of listed illnesses
Benefits common across Plan A and Plan B
Pre and Post hospitalization expenses Up to 60 days
Re-instatement of Base Sum Insured Up to 100% of base sum insured and 20% of illness/injury
Hospitalization Expenses

a. Inpatient treatment

b. Day-care treatment

Donor Expenses 50% of base sum insured, maximum up to 5 lacs
Domiciliary Hospitalisation 10% of base sum insured, maximum up to 5 lacs
Wellness Yes
Cumulative Bonus (every claim free year) 1/3% increase in base sum insured, maximum up to 100%
Call Option After every 4 claim-free years up to maximum 4 times base sum insured