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Reliance HealthWise Standard Insurance |
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Sum Insured of Standard Plan is 4 lacs and 5 lacs only (for up to 4 members aged 3 Months – 45 years). For 46-55 age group, medical examination is compulsary.
Eligibility
- Anyone between the age of 3 months to 65 yrs can be covered under the two plans
- No fresh policy to be issued after 55 yrs incase of Standard Plan
- 3 months - 45 yrs can be covered without Pre-insurance medical tests
- 46 yrs & above Mandatory medical test & necessary approval from the Under Writing
| Age Slabs |
| Age band |
Coverage |
| 3 months to 18 yrs |
Covered only along with either of the parents without any medical examination (clear proposals without pre-existing disease/ with nil claims history / with clear medical history) |
| 19 – 45 yrs |
Covered without any medical examination (clear proposals without pre-existing disease/ with nil claims history / with clear medical history) |
| 46-55 yrs |
Covered subject to satisfactory medical examination – Standard Plan |
Key Advantages
- For the first time in India, Critical Illness are also covered as part of your health insurance policy.
- 24 hours cashless facility at more that 3000 network hospitals.
- Options in duration of coverage - 1 year / 2year policies available.
- Family Floater benefit giving comprehensive protection to your family memebers under one single policy.
- Coverage of pre-existing conditions after 4 years as per plan opted.
Reliance HealthWise Standard Insurance Policy Coverage
Hospitalisation Expenses
Covers hospitalisation expenses incurred as an in-patient in a Hospital which will include(Hospitalisation for a minimum period of 24 hours is a must
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- Room, Boarding and Operation Theatre charges
- Fees of Surgeon, Anesthetist, Nurses, Specialists
- The cost of diagnostic tests, medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs etc
Day-Care Treatment
The policy will cover expenses incurred towards technologically advanced treatment that does not require hospitalisation for 24 hours.
Domiciliary Hospitalisation
Medical Treatment for a period exceeding three days, which in the normal course, would require hospitalisation, but treatment is actually taken at home, under any of the following circumstances: -
- the condition of the patient does not permit him/her to be removed to Hospital or
- the patient cannot be admitted to Hospital for lack of accommodation therein
This benefit also covers expenses on employment of a qualified nurse, as recommended by the attending Doctor.
Pre- and Post-Hospitalisation
Policy also covers relevant medical expenses incurred during a specified period, before & after hospitalisation (for which a claim is payable)
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Reliance Healthwise – Standard Plan |
| Pre Hospitalisation |
30 Days |
| Post Hospitalisation |
60 Days |
Coverage of Pre-Existing Diseases
Hospitalisation expenses incurred on treatment towards Pre-existing diseases / condition can be covered:
- Standard Plan: after completion of 4 consecutive years of the policy period
Benefits
- Complete protection to the family for hospitalization expenses
- All the family members can be covered under a single SI for a single premium ( Floater Cover)
- Death cover for the proposer.
- Hassle free policy issuance without medical tests till 45 years
- Covers emergency ambulance charges maximum of Rs. 500/-
Exclusions
First year Exclusions
There are certain ailments which are not covered for the First year of inception of health insurance cover, but are covered subsequently
- Cataract
- Benign Prostatic Hypertrophy
- Myomectomy, Hysterectomy or menorrhagia or fibromyoma unless because of malignancy
- Dilation and curettage
- Hernia, hydrocele, congenital internal disease, fistula in anus, sinusitis
- Skin and all internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant /adenoids and hemorrhoids
- Dialysis required for chronic renal failure
- Gastric and Duodenal ulcers
Permanent Exclusion
- Disease/ Injury existing before inception of health insurance policy being pre-existing disease (however, these will be covered after 2nd / 4th year, depending on the choice of plan)
- Any disease contacted during the first 30 days of inception of policy – accidents excluded and roll over cases excluded
- Naturopathy or other forms of local medication
- Pregnancy & childbirth related diseases
- Intentional self-injury / injury under influence of alcohol, drugs
- Diseases such as HIV or AIDS
- Diseases existing from the time of birth (Congenital diseases)
- Cost of spectacles, contact lenses and hearing aids
- Dental treatment or surgery of any kind unless requiring hospitalization
- Charges incurred at Hospital or Nursing Home primarily for diagnostic without any treatment
- Expenses on vitamins and tonics unless forming part of treatment for disease or injury as certified by the medical practitioner
- Cosmetic, aesthetic, treatment unless arising out of accident
- Treatment related to obesity
- War, riot, strike, terrorism, nuclear weapons induced hospitalisation
- Routine medical, eye and ear examinations
- Treatment of mental illness
Insurance is the subject matter of the solicitation.
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