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Health Insurance

A health insurance policy for your family with flexible plans to suit your needs


Why This Policy ?

  • Get cover for your whole family: “Family Floater” covers your family on a floater basis

  • Cover for extended family: Parents / Siblings / Grand Parents / Grand Children/ Daughter-in-law / Son-in-law.

  • Get Attractive discounts:

  • 5% premium discount for girl child or single women

  • 5% premium discount for Reliance Private Car Package policy customers

  • 5% / 10% discount when you insure more than one family member individually under the same policy

  • Double your cover after 4 claim-free years: You can choose to double the Sum Insured of your policy by using the ‘Call Option’ following four consecutive claim-free years

  • Cashless Hospitalization

  • No Medical Test – For individuals upto 45 years of age with clean medical history

  • Income Tax Benefits - Premium eligible for deduction under Section 80D of the Income Tax Act.


Policy Details:

  • Maximum Age: 65 years

  • Sum insured:

  • Plan A: Rs.3 lakhs / Rs.6 lakhs/ Rs.9 lakhs

  • Plan B: Rs.12 lakhs/Rs.15 lakhs /Rs. 18 lakhs

  • Policy Tenure : 1 year or 2 years

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

  • Cover opted( Individual)

  • Sum Insured Selected

  • Age of senior most member


Flexible Plans to Choose Based on Your needs:

  • Available Plans


Individual Plan

Family Floater Plan

Who can buy this policy

This policy provides coverage to an individual.

It covers several members of a single family under the same plan by paying a single premium in a year.

What it offers

This policy offers benefits like cashless hospitalization, reimbursement, pre and post hospitalization expenses, and numerous other add-on features.

How it works

In case of an illness, the entire sum insured covers only one individual.

In case of multiple illnesses, the sum insured gets distributed among the members.


Call Option:

  • If you do not make any claim on your policy for 4 consecutive years, then by end of the 4th year, your cumulative bonus will be equal to your base sum insured.

  • In the 5th year, you can choose the “Call Option” to double your sum insured by adding this earned cumulative bonus. Thereafter, you can accumulate the cumulative bonus again.

Key Exclusions *:

  • Intentional self-injury / injury under influence of alcohol or drugs / criminal act

  • Treatment received outside India / Stem Cells surgery

  • Diseases such as HIV or AIDS or STD

  • Diseases existing from the time of birth (Congenital diseases)

  • Maternity, fertility excluding Ectopic pregnancy

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

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.

Claim Process:

We aim to make the claim process as smooth as possible for your convenience. Here’s how to go about it:

  • 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


Policy Wordings:


Health Gain Policy Wording PDF

Reliance Health Gain Policy Brochure PDF



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