Reliance Individual Mediclaim Insurance

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.

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

• 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

• 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

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

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.

• 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