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Reliance student travel insurance Reliance Critical Illness Insurance

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Reliance health insurance
With Reliance Critical Illness policy we provide you health coverage for ten critical illness. This Policy is available over & above the reimbursement of the regular Health Insurance Policies. For the first time in India, we have a policy that caters to Life Threatening and Lifestyle disabling diseases.

Reliance Critical Illness Insurance Review

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Sum insured

3 lacs − 130 lacs options available

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Tenure options

1 and 3 years

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Claims incurred ratio *

94.00%

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Claims settlement ratio **

85.04%

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List of network hospitals

7,300+ hospitals

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Number of policies issued *

91,492

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Number of lives covered *

27,464,000

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Maximum family floater coverage

Self, Spouse + 6 dependent children

* As per IRDAI report   |   ** As per NL25 data published on the Insurance Company website

Reliance Critical Illness Insurance plans details

  • Who plan eligibility

    • The minimum entry age to purchase a Reliance critical illness policy is 18 yrs and above.​
  • Coverage details

    • Wide Sum Insured options to choose between Rs. 5 lakhs, 7 lakhs and 10 lakhs.
    • Lumpsum payment enables you to plan the treatment accordingly.
    • Income Tax benefits under Section 80 D of the Income Tax.
    • Policy period for one year and three years.

    What is covered under critical health insurance plan?

    • Heart attack, stroke
    • Particular types of cancer when diagnosed at certain stages
    • Critical health conditions like multiple sclerosis
    • Major Organ/ Bone Marrow Transplant
    • Third Degree Burns
    • Aorta Graft Surgery
    • Open Heart Replacement or Repair of Heart Valves
    • Coma of Specified Severity
    • Quadriplegia / Permanent Paralysis of all four limbs
    • Total Blindness
    • Kidney Failure Requiring Regular Dialysis
  • What are the Exclusions Applicable to Critical Illness Insurance?

    • A critical health insurance plan may not offer risk coverage for all chronic diseases/illnesses like
    • All diseases, illnesses, injuries which are pre-existing when the cover incepts for the first time under this Policy.
    • Critical illness contracted or evidenced through signs and symptoms within 3 months of the inception date of this Policy.
    • No benefit under the policy if death occurs within 30 days of diagnosis of the critical illness or performance of surgery.
    • Certification/diagnosis by a family member, person not registered as Medical Practitioner or any diagnosis that is not scientifically recognized.
    • Any critical illness arising out of any congenital Illness or condition or disorder whether internal or external.
    • Critical illness/condition resulting, directly or indirectly, caused by, contributed to or aggravated or prolonged by child birth or from pregnancy or in consequence thereof.
    • Any critical illness due to alcohol, smoking, other tobacco intake or drug abuse.
    • Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery/
    • complications/ illness arising as a consequence thereof.
    • Critical illness acquired as a consequence of Human Immuno-deficiency Virus (HIV) infection.
    • Critical illness arising due to intentional self-injury, suicide or attempted suicide.
    • Any critical illness arising or resulting from the Proposer or any of his family members committing any breach of law or participating in an actual or attempted felony, riot,
    • crime, misdemeanor or civil commotion.
    • War, Terrorism induced Critical Illness/Surgery or caused by nuclear weapons.

Reliance Citation

Mr. Arvind Naaz , Chief Marketing Officer - RGICL (Reliance General Insurance Co. Ltd) says NRIOL being a key partner has helped provide a quick, convenient & efficient service through portal to Reliance General Insurance customers.