Coverage Benefits in US | Plan A | Plan B |
Sum Insured - on annual basis | 3Lacs, 6Lacs , 9Lacs | 12Lacs, 15Lacs & 18Lacs |
In-Patient Treatment | Yes | Yes |
Day Care Treatments | Yes | Yes |
Pre-hospitalisation | 60 days | 60 days |
Post hospitalisation | 60 days | 60 days |
Domestic Road Ambulance | Upto 1500 | Upto 3000 |
Domiciliary Hospitalization | Up to 10% of SI, subject to a maximum of Rs 50,000 | Up to 10% of SI, subject to a maximum of Rs 50,000 |
Donor Expenses | 50% of SI upto max 5 lacs | 50% of SI upto max 5 lacs |
Initial Wait Period | 30 Days | 30 Days |
Named ailments | 24 months | 24 months |
Pre-existing Diseases | 36 months | 36 months |
Room Eligibility | Single Private | Single Private |
Co-payment | @ 20% per claim In Floater policy : for all insured if the age of eldest member at entry is 61 years or above In Individual policy : for those insured whose age at entry is 61 years or above |
@ 20% per claim In Floater policy : for all insured if the age of eldest member at entry is 61 years or above In Individual policy : for those insured whose age at entry is 61 years or above |
Tenure | 1 Year | 1 Year |
Wellness | Yes | Yes |
Cumulative Bonus | 33 1/3 % increase in Base SI for every claim free year ; Max up to 100% 33 1/3 % decrease in Base SI for every claim year ; Max up to Cumulative Bonus earned |
33 1/3 % increase in Base SI for every claim free year ; Max up to 100% 33 1/3 % decrease in Base SI for every claim year ; Max up to Cumulative Bonus earned |
Call option | After every 4 claim free years. Upto maximum 4 times Base Sum Insured provided the enhanced Sum Insured <= 50lacs . Can be exercised upto the age of 60 years (under floater policy as per the age of senior most member and under individual policy as per the age of respective member) | After every 4 claim free years. Upto maximum 4 times Base Sum Insured provided the enhanced Sum Insured <= 50lacs . Can be exercised upto the age of 60 years (under floater policy as per the age of senior most member and under individual policy as per the age of respective member) |
Reinstatement of Base Sum Insured | One re-instatement upto 100% of Base Sum Insured, subject to sublimit of 20% for related illness/ injury | One re-instatement upto 100% of Base Sum Insured, subject to sublimit of 20% for related illness/ injury |
Claim Service Guarantee | Cashless Claims 1% for every delay of 6 hours beyond 6 hours of receipt of all information/documents Re-imbursement Claims - 1% for every delay of 21 days beyond 21 days of receipt of all information/documents Maximum - 6% for a claim |
Cashless Claims 1% for every delay of 6 hours beyond 6 hours of receipt of all information/documents Re-imbursement Claims - 1% for every delay of 21 days beyond 21 days of receipt of all information/documents Maximum - 6% for a claim |
Policy Service Guarantee | SI of Rs 10000 | SI of Rs 20000 |
Accidental Death Cover for No Claim Renewal | No | 1 Lac PA-Death cover for Policyholder-Insured |
Insurance Renewal | No | One time Renewal premium waiver if the Policyholder- Insured suffers from named Critical Illness |
30-Day waiting period: Claim for any Medical Expenses incurred for treatment of any Illness which began within 30 days of Policy Period Start Date shall not be admissible, except those incurred as a result of an Injury.
2 year waiting period: In case of Pre-existing disease at the time of commencement of first policy with the Company, these shall not be covered until 36 months of continuous coverage has elapsed, since the first Policy Period Start Date with the Company.
"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."