Reliance HealthWise Policy

Maximum Age: 65 years
Sum insured for all plans: Rs.1 lakhs, Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs and Rs.5 lakhs
Policy Tenure: 1 year

Premium: Your health insurance premium is calculated on following parameters
- Cover opted( Individual)
- Sum Insured Selected
- Age of senior most member

Tax Benefit:

*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

Benefits	Gold Plan	Silver Plan	Standard Plan
Hospitalisation	Yes	Yes	Yes
Domiciliary Hospitalisation	Yes	Yes	Yes
Day Care Treatment	Yes
Pre-Hospitalisation Medical Expenses	60 days	60 days	30 days
Post-Hospitalisation Medical Expenses	90 days	90 days	60 days
Pre-Existing Disease	After 2 continuous renewals	After 2 continuous renewals	After 4 continuous renewals
Cost of Health Check-up	Yes	Yes	Yes
Critical Illness	Yes	No	No
Donor Expenses	Yes	Yes	No

Value Added Covers

Benefits	Gold Plan	Silver Plan	Standard Plan
Expenses on accompanying person (per day amount)	Rs.300/- per day for a maximum period of 5 days	Rs.250/- per day for a maximum period of 5 days	Rs.200/- per day for a maximum period of 5 days
Local Road Ambulance Service (maximum of)	Upto Rs.1000/-	Upto Rs.750/-	Upto Rs.500/-
Daily Hospitalisation Allowance	Rs.250 per day up to 7 days	No	No
Nursing Allowance (Per day amount)	Rs.300 per day for a maximum period of 5 days	Rs.250 per day for a maximum period of 5 days	No
Recovery Benefit#	Yes	Yes	No

# In case an insured person is hospitalised for more than 10 days, a lump-sum of Rs.10,000/- will be paid.

How can I get this Policy?

For person below 45 years with a clear medical history all you need to do is fill in the necessary details in the proposal form and hand it over along with your cheque to your insurance advisor.
Person above 45 years & persons with medical history will have to undergo a pre-environment medical test.
Once the proposal has been cleared for acceptance, the requisite premium should be paid and the insurance cover shall commence only thereafter.
Once your proposal is accepted, you will receive your policy and health card.

Certain ailments are not covered in the first year of the inception of the Policy. However, they are covered from the second year onwards. Refer to the policy wordings document for more details.
Pre-existing disease / illness / injury /condition will not be covered for the first four years
Any disease contracted during the first 30 days of inception of Policy
Treatment arising from or traceable to pregnancy & childbirth complications
Suicide, Self-inflicted injury or illness, mental disorder, anxiety, stress or depression, use of alcohol or drugs
Diseases such as HIV or AIDS
Cost of spectacles contact lenses and hearing aids
Dental treatment or surgery of any kind unless requiring hospitalisation with minimum 24 hours stay and treatment
Expenses or vitamins and tonics unless forming part of treatment for diseases / injury
Treatment of Obesity and congenital external diseases
Naturopathy treatment any other form of non-allopathic treatment on local medication

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

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