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A complete family health care policy at affordable prices which helps you take care of the most important aspect of your life - your health!

key attractions

Cover for your whole family

Covers your family and extended family (Parents/Siblings/Grand Parents/Grand Children/ Daughter-in-law / Son-in-law)

Get Attractive discounts:

Premium Discount for girl child and renewals

No Medical Test

Upto 45 years of age with clean medical history medical tests are not required

Policy Details

  • 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

Flexible Plans

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.

Key Exclusions

  • 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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  • Reliance HealthWise Policy - Leaflet
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  • Reliance HealthWise Policy - Premium Table