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Reliance Healthwise Insurance |
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Introduction |
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Seeing your family in the pink of health ranks highest in priority for you . Yet
, despite your best efforts ,illnesses do occur .With the spiraling cost of health
care , these unforeseen circumstances can take a toll on your savings.To ensure
that you don't need to spend your hard earned money on treatment of any such illness;
we have a Policy that offers you all the financial support that you need.
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Key Advantage |
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For the first time in India, Critical Illnesses are also covered as part of your
Health Insurance Policy.
A separate Double sum Insured is automatically available as soon as any of the listed
critical illnesses is diagnosed. 24 hours cashless facility at more than 3000 network hospitals. Income Tax benefits under Section 80 D. Options in duration of coverage -1 year/2 year policies available. Family Floater benefit giving comprehensive protection to your family members under
one single Policy . Discount on renewal premium for claim free policy. Coverage of pre-existing conditions after 2 years/4 years as per plan opted.
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What does this policy cover? |
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Depending on the plan opted by you, your Reliance HealthWise Pilicy covers : Hospitalisation
Expenses-Expenses incurred towards.
- Hospital (room, boarding and operation theatre)
- Doctors & nurses
- Medical tests
- Medicines, blood, oxygen, appliances etc.
Day Care Treatment-Medical
expenses towards specific technologycally advanced day care treatments/surgeries
where 24 hours of hospitalisation is not required .
Domiciliary Hospitalisation - All expenses related
to a medical treatment , which is being administered at home, subject to specific
conditions applicable.
Pre and Post Hospitalisation
- Medical
expenses related to your treatment before and after hospitalisation for a specified
number of days.
Pre-Existing
Diseases-Coverage of pre-existing doseases after two/four continuous renewals with us.
Critical Illness -
Your Sum Insured is automatically doubled separately for treatment
of Cancer,Coronary artery bypass surgery, First heart attack, Kidney failure, Multiple sclerosis,Majar organ transplant,Stroke,
Aorta graft surgery,Paralysis and Primary
pulmonary arterial hypertension.
Donor Expenses- All hospitalisation expenses incurred by the Donor in case
of major organ.
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What are the value added benefits available? |
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Your Reliance HealthWise Policy offers a host of value added benefits, depending
on the Plan opted by you. These include:
Daily
Hospitalization Allowance for a maximum period of seven days. Nursing
Allowance
for a maximum period of five days, on recommendation of the treating Medical Practitioner. Reimbursement of charges towards Local Road Ambulance Services. Recovery Benefit of Rs. 10,000/- in case of hospitalization for more than ten consecutive
days. Expenses of an Accompanying Person at the Hospital/Nursing Home for a maximum of
five days. Cost of Health Check up at the end of a block of four years, provided there were
no claims reported.
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What are the additional features
of this Policy?
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Family Floater - Covers your family on a floater basis applicable to a maximum of
four persons comprising of you, your spouse and two dependent children under the
age of 21 years. Example- If Mr. Sharma and his family choose a regular health insurance
plan with Rs. 1 lakh Sum Insured each; they would have to pay individual premiums
for each member of the family. In addition, the cover for each Insured member would
be only up to one lakh, even if the treatment costs beyond Rs. 1 lakh. But, if they
take a Policy of Rs. 3 lakhs for the entire family under a floater Plan offered
by Reliance HealthWise Policy, anyone from the family can claim up to Rs. 3 lakhs.
Renewal Discounts - Equivalent to 5% of renewal premium, if there are no claims
in the previous year. Income Tax Benefit - Premium eligible for deduction under Section 80 D of the Income
Tax Act.
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Who are covered under the Policy? |
Children above the age of three months and adults below the age of 65 years. Children between three months and five years can be covered only if one or both
the parents are covered.
Maximum age to enter the Plan is 65, 60 and 55 for Standard, Silver and Gold Plan
respectively.
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Particulars |
Standard |
Silver |
Gold |
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Basic feature |
Hospitalisation |
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Domiciliary Hospitalisation |
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Pre Hospitalisation
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30 days
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60 days
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60 days
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Post Hospitalisation
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60 days |
90 days
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90 days
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Pre-Existing Diseases |
after 4th year |
after 2nd year |
after 2nd year |
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Critical Illness |
x |
x |
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Donor Expenses |
x |
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Day Care Treatment |
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Value Added Feature |
Daily Hospitalisation Allowance |
x |
x |
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Nursing Allowance (per day amount) |
x |
Rs. 250/-
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Rs. 300/-
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Local Road Ambulance Service (maximum
of)
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Rs. 500/- |
Rs. 750/- |
Rs. 1000/-
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Recovery Benefit |
x |
x |
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Expenses on accompanying person (per
day amount)
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Rs. 200/- |
Rs. 250/- |
Rs. 300/
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Cost of Health Check
up
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Policy Options |
Choose your plan -You may choose
any of the following plans
- Reliance HealthWise Policy -
Standard
- Reliance HealthWise Policy -
Silver
- Reliance HealthWise Policy -
Gold
Two-Year Policy - Continuous coverage
for two years without the hassles of annually renewing your Policy. Wide range of
Sum Insured
- Standard - 1 lakh to 5 lakhs
- Silver - 1 lakh to 5 lakhs
- Gold - 1 lakh to 5 lakhs
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What does the Policy not cover? |
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At Reliance General Insurance, we
would like our Policy to be as transparent as possible. To ensure that you do not
face any unpleasant surprises when you make a claim, we would like you to know some
of the major exclusions under the Policy.
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Certain ailments are not covered
in the first year of the inception of the Policy. However, they are covered from
the second year onwards. These are Cataract, Benign Prostatic Hypertrophy, Congenital
Internal Diseases, Fistula in Anus, Piles, Hysterectomy for Menorrhagia or Fibromyoma,
Hernia, Sinusitis and related disorders. This exclusion will not be applicable for
roll over cases and renewals. -
Pre-existing illness will not
be covered for the first two/four years, as per the Plan opted. -
Any disease contracted during
the first 30 days of inception of Policy. This exclusion will not be applicable
for roll over cases and renewals. -
Treatment of pregnancy &
childbirth-related complications. -
Suicide, self inflicted injury
or illness, mental disorder, anxiety, stress or depression, use of alcohol or drugs.
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Diseases such as HIV or AIDS.
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Cost of spectacles, contact lenses
and hearing aids. -
Dental treatment or surgery of
any kind unless requiring hospitalization. -
Expenses on vitamins and tonics
unless forming part of treatment for disease/injury. -
Naturopathy treatment or obesity
related treatment. -
War, terrorism and nuclear weapons
induced hospitalization.
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How can I get this Policy? |
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All you need to do is fill in the
necessary details in the Proposal Form and hand it over along with your cheque to
your Insurance Advisor. You will instantly get a Health Kit, containing among other
things your Policy and Health Card. |
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How do I claim my insurance? |
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You can claim your insurance through
the cashless and/or reimbursement facility. To avail our cashless facility at more
than 3000 of our network hospitals across the country, contact our Third Party Administrators
(TPA) on the helpline numbers given on your health card. Once you submit the required
documents, the TPA would arrange for cashless facility to be made available at the
Hospital/Nursing Home, provided the disease/illness/injury, for which you are admitted
in the hospital, is covered under your Policy. In case of an admission in a non-network
hospital, inform the details to our TPA on the helpline numbers given on your health
card. After you get discharged from the hospital, submit all your original bills
to our TPA and claim for the reimbursement. To ensure that finances never interfere
with your family’s healthcare, apply for the Reliance HealthWise Policy, today .
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