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A policy that that let you focus on your recovery and not your expenses thereby offering financial security to you and your family

key attractions

Covers 10 critical illnesses

Caters to life threatening and lifestyle-disabling diseases

Lump sum payment

Enables Insured to plan the treatment accordingly

No medical tests

Individuals upto 45 years of age

Policy Details

  • Maximum Entry Age:

    • 65 years (Rs. 5 lakhs Sum Insured)

    • 60 years (Rs. 7 lakhs Sum Insured)

    • 55 years (Rs. 10 lakhs Sum Insured)

  • Sum Insured: Rs. 5 lakhs, Rs. 7 lakhs or Rs. 10 lakhs

  • Policy Tenure : 1 year and 3 years

  • Premium: Your health insurance premium is calculated on following parameters

    • Cover opted( Individual)

    • Sum Insured Selected

    • Age of senior most member

Benefits

Cover for Critical illnesses or surgeries:

  • Category I – Life Threatening

    • Cancer

    • Major Organ Transplant

    • Multiple Sclerosis

    • Third Degree Burns

    • Aorta Graft Surgery

  • Category II Lifestyle Disabling
    • Heart Valve Replacement or repair

    • Coma of Specified Severity

    • Coma Quadriplegia (persisting more than 90 days post diagnosis without any significant recovery)

    • Total Blindness

    • End Stage Renal Disease requiring regular dialysis

Please note that we will pay the benefit payment when the patient survives for more than 30 days after the diagnosis of the critical illness listed in category I and for 60 days after diagnosis in case of category II conditions, unless the patient is suffering from Quadriplegia, where the benefit will be paid after 90 days.

Tax Benefits:

  • *Tax deductions are subject to provisions of Sec.80D of the Income Tax Act, 1961 and applicable amendments and are subject to change in the tax laws.

  • Suggest to consult your tax advisor for more information on this benefit.

Seamless Claim Process:

  • Step 1 - Inform Insurance Company’s health claims team, RCARE, of hospital admission using the helpline number 1800 3009 given on your health card

  • Step 2: Submit the required documents to RCARE

  • Step 3:

    • Network Hospital - RCARE will arrange for Cashless facility

    • Non-Network Hospital - For Re-imbursement claims please follow the process as mentioned in policy wordings

Key Exclusions

  • Any pre-existing diseases, illnesses or injuries

  • Critical illness contracted or diagnosed within 3 months of the policy date arising out of or due

    • Pregnancy or child birth

    • HIV infection / AIDS

    • Alcohol consumption, smoking, other tobacco intake or drug abuse

    • Intentional self-injury, suicide or attempted suicide

    • Diagnosis is not scientifically recognised

*The list is indicative. Please read the prospectus / policy wordings for complete list

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Documents Required

  • Commission Disclosure
  • Reliance Critical Illness - Leaflet