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Reliance Individual Mediclaim Insurance

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Reliance Individual Mediclaim Insurance Policy

 

Reliance Individual Mediclaim Insurance Policy is a basic health insurance policy which takes care of hospitalisation or medical expenses incurred by an individual or by the any of the insured family members.

 

 

Key Features of Reliance Individual Mediclaim Insurance Policy

 

  • Cashless hospitalisation
  • Cover for individual and family
  • Provides cover for day care treatment
  • Also provides for domiciliary hospitalisation

 

 

What is covered in Reliance Individual Mediclaim Insurance Plan?

 

  • Hospitalisation expenses such as room rent and boarding costs, operation theatre charges
  • Doctor and surgeon, anesthetists, specialists and consultants fees
  • Nursing expenses, cost of medicines and drugs, diagnostic and laboratory tests
  • Cost of surgical appliances, oxygen, blood, anesthesia
  • Pre-hospitalisation expenses for 30 days and post-hospitalisation expenses for 60 days
  • Domiciliary (expenses incurred on treatment taken at home under due to certain constraints)
  • Cost of Organs
  • Hospitalisation expenses of Donor in case of organ transplant
  • Day care treatments requiring less than 24 hr hospitalisation like chemotherapy, dialysis, radiotherapy, eye surgery

 

 

Additional Benefits of Reliance Individual Mediclaim Insurance Plan

 

  • Reimbursement of health-check up once at the end of four yrs if no claims made
  • Children between 3 months to 5 yrs can be covered if both parents are covered
  • Increase in sum insured by 5% every year if no claims made

 

 

Eligibility and Restrictions of Reliance Individual Mediclaim Insurance Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

15,000

5,00,000

Policy Term (in years)

1

1

Entry Age (in years)

5

80

Renewable till Age (in years)

-

80

 

 

Family floater policy will cover

 

  • An individual and/or his spouse
  • Children between 3 months and 5 yrs

 

 

Tax Benefits in Reliance Individual Mediclaim Insurance Policy

 

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 Individual Mediclaim Insurance Policy?

 

  • All pre-existing conditions
  • First year exclusion on treatments for cataract, hysterectomy, hernia, congenital internal conditions, hypertrophy, sinusitis etc
  • Cost of spectacles, hearing aids, vaccination, inoculation etc
  • Self-inflicted injuries or illness, use of drugs or alcohol
  • First 30 days from policy commencement unless due to an accident
  • Pregnancy and child-birth related conditions
  • Dental treatments
  • General weakness or convalescence etc
  • Naturopathy treatments
  • Nuclear or war activities

 

 

 

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