Reliance Health Insurance

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Health Insurance Quote

1. Select the coverage type:
2. Select the coverage amount:
3. Age of senior member of the family:
    OR age      years
4. Policy Duration:
5. Policy Start Date & End Date: From
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The Reliance Healthwise Policy ensures you provide the best medical care to your family. We offer a health insurance policy that gives you the optimum value for money without compromising on the quality of medical attention.

Unique Benefits

Reliance healthwise policy offers 3 plans :



Individual Healthwise Policy

  • Healthwise coverage options available only for individuals are standard, silver and gold.
  • Individual Healthwise policy coverage available in the options of 2 lakhs, 3 lakh, 4 lakh and 5 lakh
  • Available for individuals in the age range starting from 3 months upto 65 years depending on the plan opted.
  • Children between 3 months and 18 years can be covered only if either one or both the parents are covered under Reliance Healthwise Policy.
  • Persons above the age of 45 years should submit medical reports to get the health policy

Key Advantages

Individual HealthWise
  • 24 hours cashless facility at more than 4000 network hospitals.
  • Income Tax benefits under section 80 D.
  • Duration of coverage - 1 year
  • Discounts upto 20% on renewal premium for claim free policy
  • Coverage of pre-existing conditions after 2 years / 4 years as per the plan opted.

Healthwise Policy (Family Floater)

Customers looking for Family health floater plan can opt of Reliance healthwise plan
  • A family of individual plus spouse and two dependents (aged betwenn 3 months to 21 years) can opt for a family floater which covers their family by paying a single premium.
  • Reliance Healthwise family floater Gold Plan is available till the age of 55 years for 2, 3, 4 & 5 lakhs
  • Reliance Healthwise family floater Silver Plan is available till the age of 60 years for 2, 3, 4 & 5 lakhs
  • Reliance Healthwise family floater Standard Plan is available till the age of 65 years for 2, 3, 4 & 5 lakhs
  • Persons above the age of 45 years should submit medical reports to get the health policy

Family HealthWise 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 than 4000 hospitals.
  • Income Tax benefits under section 80 D
  • Duration of coverage - 1 year.
  • Family Floater benefit giving comprehensive protection to your family memebers under one single policy.
  • Discounts on renewal premium for claim free policy from 5% accumulated to 20% for every claim free year
  • Coverage of pre-existing conditions after 2 years / 4 years as per plan opted.
  • All the above healh plans are renewable upto the age of 75 years


  • Anyone between the age of 3 months to 65 years can be covered under the 3 plans as per the eligibilty under each plan
  • 3 months - 45 years can be covered without Pre-insurance medical tests
  • 46 years & above Mandatory medical test & necessary approval from the Under Writing team
  • Renewal is available till 75 years

Requirement for Different Age Groups
Age band Coverage
3 months to 18 years 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)
18 - 45 years Covered without any medical examination (clear proposals without pre-existing disease/ with nil claims history / with clear medical history)
46-65 years Covered subject to satisfactory medical examination


  1. Family floater option
  2. Coverage of Pre-Existing Diseases after 2nd / 4th year of renewal
  3. Pre and Post-hospitalization
  4. No Capping/ sub limits
  5. Wider Sum Insured options
  6. Up gradation of Plan - Allowed subject to No Claim Cases & subject to U/w approval
  7. Addition of member-Mid Term - Allowed for new born baby and new wed spouse
  8. Change in Plan with Increase / decrease in SI - Allowed subject to No Claim Cases & subject to U/w approval
  9. No Copayment
  10. No room rent or ICU cost restriction
  11. Cashless Facility
  12. Policy without Medical test till 45 yrs for clean medical proposals
  13. Renewal Reward - No Claim Bonus
  14. Income Tax Benefits
  15. Reimbursement of Cost of Health Check up after 4 claim free years
  16. Extended coverage till 75 years in the case of Renewals
  17. Maximum entry age - 65 years
  18. 5% discount for every claim free year on renewal premium up to maximum of 20%
  19. Choice of TPA at Renewal
  20. No deductions in Non Network hospital izations

Basic Features

  • Hospitalisation Expenses
    Covers hospitalisation expenses incurred as an in-patient in a Hospital which will include
    • 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
    Due to advancement of technology, hospitalisation expenses for certain treatments / diseases like the following are also covered, when he/she is admitted in the hospital and even though the hospitalisation is for less than 24 hours

    • Dialysis
    • Chemotherapy
    • Radiotherapy
    • Eye surgery
    • Dental surgery
    • Lithotripsy (kidney stone removal)
    • Tonsillectomy
    • Dilatation & Curettage
    • Cardiac Catheterization
    • Hydrocele surgery
    • Hernia repair surgery
  • 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)

      HealthGain Gold Plan Silver Plan Standard Plan
    Pre Hospitalisation 60 Days 60 Days 60 Days 30 Days
    Post Hospitalisation 60 Days 90 Days 90 Days 60 Days


  • Coverage of Pre-Existing Diseases
    Hospitalisation expenses incurred on treatment towards Pre-existing diseases / condition can be covered:

    • HealthGain: after completion of 3 consecutive years of the policy period
    • Gold Plan: after completion of 2 consecutive years of the policy period
    • Silver Plan: after completion of 2 consecutive years of the policy period
    • Standard Plan: after completion of 4 consecutive years of the policy period

  • Donor Expenses
    Covers hospitalisation expenses towards donor in case of major organ transplant(only for silver and gold plan).

Value Added Features
  • Expenses on Accompanying Person
    Payment towards expenses incurred by an accompanying person at the hospital while Insured is hospitalised for a minimum period of 5 days.

    • Gold Plan : Rs. 300/- per day for a maximum of 5 days (i.e. from the 6th day to the 10th day of hospitalisation)
    • Silver Plan : Rs. 250/- per day for a maximum of 5 days (i.e. from the 6th day to the 10th day of hospitalisation)
    • Standard Plan : Rs. 200/- per day for a maximum of 5 days (i.e. from the 6th day to the 10th day of hospitalisation).

  • Local Road Ambulance Services
    Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.

    Maximum limit:

    • HealthGain(Plan A) - Up to Rs.1500/-
    • HealthGain(Plan B) - Up to Rs.2000/-
    • Gold Plan - Rs. 1000/-
    • Silver Plan - Rs. 750/-
    • Standard Plan - Rs. 500/-

  • Recovery Benefit
    In an unfortunate event, if the Insured is hospitalised for more than 10 consecutive days, a lump sum benefit of Rs. 10,000 will be paid . This condition is applicable for all the members of the floater separately irrespective of the number of occurrences during the Policy period subject to overall limit of Sum Insured. This benefit is available only for gold plan

  • Cost of Health Check up
    This benefit provides for reimbursement of cost / charges incurred for medical check up. In case of accepted proposals the Insurer shall reimburse 50% of the total medical costs.

  • Nursing Allowance
    Payment of Nursing Allowance for expenses towards employment of registered nurse at the residence of Insured or during the period they are hositalized provided such services are:

    • Confirmed as being necessary by the treating Physician
    • Relate directly to a disease / illness / injury for which the Insured has been hospitalised

    Allowance is payable for 5 days.
    • Gold Plan Rs. 300/- per day
    • Silver Plan Rs. 250/- per day

Additional features

  • Income Tax Benefit
    Premium paid for Reliance HealthWise Policy is eligible for tax deduction under section 80 D of the Income Tax Act, subject to the condition that the premium amount is paid by cheque/DD by the customer from his bank account.

    • The proposer will get tax benefit upto Rs. 15,000/-

  • Pre-insurance health Check up
    • No medical tests required at enrollment stage for family members under the age of 45 and the Policy is issued within 2-3 business days based on proposal form and declaration
    • Applicants above 45 years will be covered only after completion of medical tests, submission of reports and the approval of Underwriting team
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 2 / 4 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 treatment, any other form of nonallopathic treatment on local medication.
  • Treatment arising from or traceable to pregnancy & childbirth complications.
  • Intentional self-injury / injury under influence of alcohol, drugs
  • Diseases such as HIV or AIDS
  • Suicide, self inflicted injury or illness, mental disorder, anxiety, stress or depression, use of alcohol or drugs.
  • 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 hospitalisation with minimum 24 hours stay and treatment.
  • 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 of Obesity, General Debility and congenital external disease.
  • War, riot, strike, terrorism, nuclear weapons induced hospitalisation
  • Routine medical, eye and ear examinations
  • Treatment of mental illness