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Reliance HealthWise Insurance
Review of Reliance Healthwise Insurance Policy
This is a good health insurance policy which takes care of hospitalisation or medical expenses incurred by an individual or his/her family members. On payment of additional premium, critical illnesses can also be covered under the same policy.
Our Advice – Health insurance policy is a must, considering the increasing health care costs and rising inflation. A good comprehensive plan like this would ensure that you and your family’s healthcare costs are taken care of in case of any medical emergencies.
Key Features of Reliance Healthwise Insurance Policy
No loading on the renewal premiums in case of a claim
No restriction on ICU Rent and Room Rent
No per illness limit
No Co-payment required
Family floater to cover all members
On a higher plan, pre-existing disease can be covered after 2 yrs
Variants in Reliance Healthwise Insurance Policy
There are three variants available in Reliance Healthwise Insurance Policy. They are -
What is covered in Reliance Healthwise Insurance Policy?
Hospitalisation expenses such as room rent and boarding costs, operation theatre charges
Cost of medicines, blood, oxygen, surgical appliances etc
Doctor and surgeon’s fees and cost of medical tests
Pre-hospitalisation and post-hospitalisation costs
Emergency ambulance charges
Hospitalisation expenses of Donor in case of organ transplant
Day care treatments requiring less than 24 hr hospitalisation
On payment of additional amount Critical illness like Cancer, First Heart Attack, Paralysis, Kidney Failure etc can be covered
Depending on the plan chosen, recovery benefit, daily hospitalisation allowance, nursing allowance, expenses of accompanying persons are covered.
Additional Benefits of Reliance Healthwise Insurance Policy
Children between 3 months to 18 yrs can be covered in case both parents are covered
Discount of 5% on base premium available on renewal premium if no claims made
Cost of health check-up after 4 yrs covered
Eligibility and Restrictions of Reliance Healthwise Insurance Policy
Coverage Amount (in Rs.)
Policy Term (in years)
Entry Age (in years)
Gold - 55
Silver – 60
Standard Plan - 65
Renewable till Age (in years)
Family floater policy will cover
An individual and/or his spouse
Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.
Exclusions - What is not covered in Reliance Healthwise Insurance Policy?
Pre-existing conditions for first 2 yrs or 4 yrs – depending on the plan chosen
First 30 days from policy commencement unless due to an accident
Certain specified illnesses for 1 yr like cataract, hypertrophy, skin and internal tumors, cysts, gastric and duodenal ulcer etc
Pregnancy and child-birth related conditions
Obesity, general weakness etc
Self-inflicted injuries or illness, suicide, mental disorder, any stress or anxiety related conditions.
Dental treatment or surgery
Cost of Vitamins and tonics unless part of treatment
Domiciliary expenses in case of specified illnesses