What the Policy does not cover? How do I lodge a claim?

About us
At Reliance General Insurance, we would like our policy to Reliance General Insurance is committed to provide its Reliance General Insurance is one of the fastest
be as transparent as possible. To ensure that you do not customer the best-in-class service. We have a Cashless growing general insurance companies in India with
face any unpleasant surprises when you make a claim, we Network of over 4000+ hospitals across the country. innovative product offerings and customer service
would like you to know some of the major exclusions standards that are benchmarked to the best in the world.
under the policy. The Company aims to increase its presence in the retail
In case of admission to any hospital, please give
Following Illnesses / Surgeries shall not be covered under and corporate sectors with a focus on customer centric
immediate intimation of admission, as per the terms and
the policy: products, multiple distribution channels and technology.
conditions mentioned in the policy, to our in-house
Permanent Exclusions^
health claims team “RCare” on the helpline number
Intentional self-injury / injury under influence of Reliance General Insurance is a subsidiary of
alcohol, drugs / criminal act given on your health card. Once you submit the
Reliance Capital Limited. Reliance Capital is a part of
Outside India or Robotic or Stem Cells required documents, RCare would arrange for cashless the Reliance Group.
War / Nuclear / Chemical / biological facility to be made available at the hospital / Nursing
Diseases such as HIV or AIDS or STD home, subject to adequate coverage under the Policy
Some of our other products:
Diseases existing from the time of birth (Congenital
Reliance HealthWise Policy
diseases) For Re-imbursement claims please follow the process
Reliance Private Car Insurance Policy
Maternity, Fertility as mentioned in the policy wordings.
Cost of spectacles, contact lenses and hearing aids Reliance Householder’s Package Policy
Dental treatment or surgery Reliance Shopkeeper’s Package Policy
# Please note that the insured is entitled for admission in a
Treatment of mental illness Reliance Travel Care Insurance Policy
Single Private Room. In the event of Insured Person
Cosmetic, aesthetic, treatment Reliance Personal Accident Policy
getting admitted in a higher category of accommodation
 Non- allopathic, Diagnostics , Self Medication, Reliance Critical Illness Policy
than the entitled category, the Policyholder/Insured Person
Unproven Treatments
shall bear the rateable proportion of the covered Medical
Expenses. For complete details on the benefits, coverages, terms &
+Named Ailments^
conditions, exclusions, please read the sales brochure,
 Arthritis, Gout
prospectus and policy wordings carefully before concluding
 Benign ear, nose and throat (ENT) Disorders Prohibition of rebates - Section 41 of The Insurance
sale. Insurance is the subject matter of solicitation.
 Benign Prostatic Hypertrophy Act 1938
Cataract 1. No person shall allow or offer to allow, either directly or
Surgery of Genito urinary system indirectly, as an inducement to any person to take out or
 All types of Hernia, Hydrocele renew or continue an insurance in respect of any kind Call 1800 3002 8282 (toll free) or 022-3989 8282 (charges apply)
Internal tumors, skin tumors, cysts. or risk relating to lives or property in India, any rebate of or visit www.reliancegeneral.co.in
Kidney Stone / Ureteric Stone / Lithotripsy / Gall the whole or part of the commission payable or any
Bladder Stone rebate of the premium shown on the policy, nor shall
any person taking out or renewing or continuing a policy
accept any rebate, except such rebate as may be
NOTE: ^ The above list is indicative. For complete details

RGI/MCOM/HL-11/BROCHURE-1/Ver. 1.0/170713
An ISO 9001:2008 Certified Company
allowed in accordance with the published prospectuses
on exclusions and named ailments please read the
or tables of the insurer.
prospectus / policy wordings which is also available on our Reliance General Insurance Company Limited
website www.reliancegeneral.co.in Registered Office: Reliance Centre,
2. Any person making default in complying with the
19, Walchand Hirachand Marg, Ballard Estate,
provisions of this Section shall be punishable with fine
Mumbai 400 001.
which may extend to ` 500/-

* Terms and conditions apply | ** Applicable for 3 Lacs sum insured | *** In case of critical illness
Unexpected illness / accidents result in Who can be covered under the policy: BENEFITS Plan A Plan B
expensive hospitalization, which in turn takes a Family Definition - Family means the following Hospitalization Expenses Yes Yes
relationship(s) with the proposer: Self, Spouse, Daughter / a. In-Patient Treatment
toll on your savings. To ensure that your health & b. Day Care Treatments
Son, Mother / Father, Siblings, Grand mother / father, Grand
wealth stays fit, we have a unique health plan Pre & Post Hospitalization Expenses Upto 60 Days Upto 60 Days
daughter / son and daughter-in-law / son-in-law .
which will protect you against ever increasing Domestic Road Ambulance Upto ` 1,500 Upto ` 3,000

medical costs and would provide a flexibility to Eligibility Criteria

Donor Expenses 50% of SI upto max ` 5 Lacs 50% of SI upto max ` 5 Lacs
Plan A Plan B Plan A Plan B
increase your coverage with time to meet upto to Domiciliary Hospitalization Up to 10% of SI, subject to a maximum of Up to 10% of SI, subject to a maximum of
Sum Insured - ` 3 Lacs, ` 6 Lacs, ` 12 Lacs, ` 15 Lacs, ` 50,000. ` 50,000.
ever increasing health costs. on annual basis ` 9 Lacs ` 18 Lacs
Wellness Yes Yes
Entry Age - Individual / Floater Individual / Floater
Minimum - 5 Years or above. - 5 Years or above. Cumulative Bonus 33 1/3 % increase in Base SI for every 33 1/3 % increase in Base SI for every
This product gives protection for the Children between Children between claim free year; Max up to 100%. 33 1/3 % claim free year; Max up to 100%. 33 1/3 %
91 days & upto 91 days & upto decrease in Base SI for every claim year; decrease in Base SI for every claim year;
Individual(s) as well as the entire family under Max up to Cumulative Bonus earned. Max up to Cumulative Bonus earned.
4 years can be 4 years can be
Single Policy. The Policy covers hospitalization covered under a covered under a Reinstatement of Base Sum Insured One re-instatement upto 100% of Base Sum One re-instatement upto 100% of Base Sum
floater with at least floater with at least Insured, subject to sublimit of 20% for related Insured, subject to sublimit of 20% for related
expenses incurred by the Insured Person for illness/ injury. illness/ injury.
one member of age one member of age
treatment of illness or injury with many other 21 years or above 21 years or above
Call option After every 4 claim free years upto maximum
After every 4 claim free years upto maximum
Benefits at competitive premium. 4 times Base Sum Insured provided the total 4 times Base Sum Insured provided the total
Entry Age - 65 years. 65 years Sum Insured < = ` 50 Lacs. Can be Sum Insured < = ` 50 Lacs. Can be
Maximum No entry age bar exercised upto the age of 60 years. exercised upto the age of 60 years.
for SI ` 3 Lacs
Claim Service Guarantee Cashless Claims - 1% of claim amount for Cashless Claims - 1% of claim amount for
Key Advantages Renewable upto Life Long Life Long every delay of 6 hours beyond 6 hours of every delay of 6 hours beyond 6 hours of
receipt of all information / documents. receipt of all information / documents.
 Special Privileges for covering girl child and Individual Option Max 6 members Max 6 members Re-imbursement Claims - 1% of claim Re-imbursement Claims - 1% of claim
amount for every delay of 21 days beyond 21 amount for every delay of 21 days beyond 21
single woman under the same under the same days of receipt of all information / documents. days of receipt of all information / documents.
policy policy Maximum - 6% for a claim amount Maximum - 6% for a claim amount
 Re-instatement of Base Sum Insured
Floater Option Max 6 members Max 6 members Policy Service Guarantee SI of ` 10,000 for delay in policy issuance. SI of ` 20,000 for delay in policy issuance.
 Claim & Policy Service Guarantee
under the same under the same
 No maximum entry age for Sum Insured of floater = 4(children) floater = 4 (children) Accidental Death Cover for No Claim No ` 1 Lac PA-Death cover for Policyholder-
Renewal Insured
` 300,000 + 2 (members>= + 2 (members>=
21 years of age) 21 years of age) Insurance Renewal No One year extension of policy without
 Auto extension of policy for a tenure of 1 year incase
charging any premium if the
of named critical illness. Pre-policy Issuance >= 46 years >= 18 years Policyholder-Insured suffers from named CI
Medical Check up
 Family benefit giving comprehensive protection to your
NOTE: Proposer should be atleast 18 years as on date of proposal
WAIT PERIOD Plan A Plan B
family members under Individual policy cover
Initial Wait Period 30 Days 30 Days
 Wide range of Sum Insured varying from ` 3 Lacs to Portability Named ailments + 24 months 24 months
` 18 Lacs Policyholder desirous of porting his/her policy to our
Pre-existing Diseases 36 months 36 months
 Wellness Services Company shall apply atleast 45 days before the policy
Room Eligibility# Single Private Single Private
 Life long renewal renewal date of his/her existing policy.
Co-payment @ 20% per claim @ 20% per claim
 Pre-existing Diseases are covered after 36 months of In Floater policy: for all insured if the age of In Floater policy: for all insured if the age of
Income Tax eldest member at entry is 61years or above eldest member at entry is 61years or above
continuous coverage Premium eligible for deduction under Section 80D of the In Individual policy: for those insured whose In Individual policy: for those insured whose
age at entry is 61years or above age at entry is 61years or above
Income Tax Act, 1961 as per applicable rules. Please
consult your Tax advisor. Tenure 1 Year 1 Year