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RELIANCE N
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HEALTH GAIN U

POLICY R
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The No Compromise
Health Policy
That Lets You Customise
Plans Accordingly.
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Health insurance policies are a bundle of certain standard benefits,
that help you in case of unforeseen medical situations. But sometimes,
policies fall short, that is, either they lack certain benefits or have
some that you may not even need. Like, maybe you desperately
wanted a vaccination cover in your policy for your kids, but your
policy doesn’t offer that. Only in moments like these where you
wished, ‘you could design your own health policy and choose only
what you need.’ Well, we heard you, and that is why, we bring to you
a health policy that is extremely fluid and modular, one that is
customisable to suit exactly ‘what you want’. With the boost of 3
power packed plans Plus, Power and Prime you get the flexibility to
pick and choose any benefits at any sum-insured which makes it a
Zero Compromise & 100% Aapki Choice policy. So go ahead and
‘make-your own’ health insurance plan right away!

Reliance Health Gain Policy is the new way to

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Here’s What’s New?
...........................................................

Sum Insured Doubled, Without Any Trouble*

2X Get 100% base sum-insured over and above, to be used on the
same claim.

Room rent limits, No limits*

Increase/Decrease your hospital room rent limits or even
upgrade/downgrade your room category as you like.

Reduced Waiting Period*

Waiting period can be reduced from 3 years to 2 years or 1
year.

Cash-in-Hand Is Always Better, Man*

Get daily cash for 30 days in case of normal hospitalisation of
beyond 72 hours; in case of ICU hospitalisation get 2x of
normal hospitalisation cash for 15 days.

FREE
Premium On Critical Illness Waived Off*
Renewal premium is waived off for the first year of detection of
RENEWAL

any listed critical illness.

Voluntary Aggregate Deductible*

Get a significant discount on your insurance premium when you
agree to pay a certain aggregate deductible amount during
multiple claims in a policy period.

Removal of Co-payment*
If an insured person buys his first policy at the of age 61 or
above, the co-payment can be removed by opting this cover.

Accommodation Bonus Will Be Your Reward++

Switching to a lower room category or below, can get you
rewarded, in the form of a daily accommodation bonus.

Intercity Road Ambulance++

Get Intercity Road Ambulance costs covered up to actuals^*
beyond 100km.

*These are optional covers and need to be opted separately while purchasing the policy.
++These are base features and would be applicable as per the plan selected.
^*This is applicable for Prime customers.
And We’ve Packed Some More For You!
.....................................................................................................................

Enhanced Covers

`` `
Guaranteed Unlimited Reinstatement of Consumable Cover
Cumulative Bonus Base Sum Insured
Choose this to keep Restore your base sum-insured Pays for miscellaneous
your unutilised as many number of times you expenses like syringe,
cumulative bonus intact exhaust it in a year on unrelated gloves etc. which are
even in the event of a illness/injury and you can use usually non-payable
claim up to 100% on related
illness/injury

Smart Covers

Change in Modern Vision Correction Second Opinion

Treatment limits
Increase your coverage Indemnifies you for the We cover you for cost
for modern treatment medical expenses incurred towards
methods upto 100% of incurred towards the availing a second
sum insured correction of eyesight opinion from a
due to refractive error medical practitioner

Preventive Care Cover

Health Check-up Vaccination Cover

Claim health check-up benefits Whether it is Typhoid, Hepatitis or
as per your plan Anti-Rabies vaccine, we will pay for it up to a
sum defined in your optional cover

Family Care Cover

Home Care Treatment Companion Cover Child Care Cover

Medical expenses related A fixed daily amount is We pay for your children’s
to listed home treatments paid to the one who expenses in case you
are covered accompanies you are hospitalised and can’t
while you’re getting take care of them at
treated in a hospital home

Note: These are optional covers to be bought in packs

 Convenience Covers

Change in Pre-Post Air Ambulance

Hospitalisation limit
Increase your pre & post hospitalisation In a life threatening
limit to 90 days pre and 180 post condition, get airlifted for
hospitalisation further treatment or
emergency

`
Radio Taxi Convalescence Cover
Instead of an ambulance, We pay an additional lumpsum
book a radio taxi for amount, on hospitalisation for a
hospitalising the insured minimum period of 7 continuous
and consecutive days

Note: These are optional covers to be bought in packs

Reliance Health Gain Policy. UIN: RELHLIP22229V032122.

 BASE
FEATURES PLUS POWER PRIME
Sum Insured Options
3, 5 10, 15, 20 25, 30, 50, 100
(in ` lakhs)+

Hospitalisation Covered up to the sum-insured

Covered up to the sum-insured
Expenses Accommodation Bonus:
Accommodation Bonus: Additional fixed
1 (In Patient Treatment, Additional fixed daily amount
daily amount of `1,000 on opting lower
Day Care & of `1,000 on opting lower
category room
Accomodation Bonus) category room

Covered up Covered up
to `1500 per to `3,000 per
Domestic Road hospitalisation hospitalisation Covered as per Actuals
2 Ambulance Intercity Ambulance Intercity Ambulance (including Intercity ambulance,
cost (beyond cost (beyond beyond 100km)
100km): `20,000 100km): `20,000
per hospitalisation per hospitalisation

Domiciliary
3 Within the Sum Insured
Hospitalisation

Covered up to 100% of base

4 Modern Treatment Covered up to 50% of base sum insured
sum insured

Pre & Post Pre 60 days + Post 60 days Pre 60 days + Post 90 days
5
Hospitalisation within the sum insured within the sum insured

Organ Donor Covered up to 50% of base sum-insured, Covered up to 50% of base

6
Expenses max `5 lakhs sum insured max `10 lakhs

On subsequent claim, one reinstatement up to 100% of base sum insured

Reinstatement of
7 for unrelated illness/injury, sub-limit of 20% of base sum insured for related
Base Sum Insured
illness/injury

8 Extra sum insured Additional, 20% of Base sum insured on same claim, in single Hospitalisation

Accidental Death
9 Not applicable 5% of base sum-insured subject to minimum of `1 lakh
Cover (PA)

This benefit waives off the renewal policy premium for

one year, in case of first diagnosis of certain listed Critical
10 Waiver of Premium Not applicable
Illness. For long term policies, the Company shall waive
off one year proportionate renewal policy premium.

Increase in base sum-insured by 33.33% for every claim free policy year,
11 Cumulative Bonus subject to a maximum of 100% of base sum-insured and decrease by 33.33
% of base sum-insured for every claim year.

Call Option for After 4 continuous and consecutive claim free Policy Years, if policyholder
12 Enhancement of Base avails this benefit then enhanced Sum Insured is sum of expiring Policy’s
Sum Insured Base sum insured and accumulated Cumulative Bonus

At the end of each completed and continuous Policy Year, the Company shall
13 Loyalty Cover provide Loyalty Cover to the policyholder (who is also an Insured Person)
under the policy. (Refer Benefit-4.5.3 Loyalty Cover in Prospectus)

This is a service in which insured person can seek medical advice through
14 Wellness Services
telephonic or online mode

Cashless Claim - 1% of delayed claim amount (for delay beyond 6 hours to 12

hours), additional 1% for every additional delay of 6 business hours
Claim Service
15 Reimbursement Claim -1% of delayed claim amount (for delay beyond 21
Guarantee
days to up to 42 days), additional 1% for every additional delay of 6 business
hours Maximum limit - 6% of delayed claim amount

Policy Service
16 `10,000 `20,000 `20,000
Guarantee

+Read the policy wording for renewal/call option sum insureds.

 ADD-ON
FEATURES* PLUS POWER PRIME

17 Guaranteed Cumulative Bonus This benefit waives off the condition of decrease in Cumulative Bonus in case of a claim in immediate policy year.

Unlimited Reinstatement
18 On subsequent claim, unlimited reinstatement of base sum insured on unrelated illness or injury, sub-limit of 100% of base sum insured for related illness/injury
of Base Sum-insured^

Within sum insured (reasonable and customary expenses incurred by the policyholder /insured person, during the policy year, for items which are listed in ‘Annexure A-
19 Consumable Cover
List I as Optional Items’ of policy wordings)

Choosing this cover will provide an additional 100% of base sum-insured on same claim, in single hospitalisation after exhaustion of base sum insured under the policy.
20 Double Cover
This bene fit supersedes the base feature of ‘Extra Sum insured’

Category of Room upgrade to: Actuals OR

21 Change in Room-Rent Limits Category of Room capped to: Twin sharing Category of Room capped to: Single Private A.C room
Category of Room capped to: Twin sharing

Reduction in PED Waiting

22 Choose this benefit to reduce the Pre-Existing Waiting Period to 24 months or 12 months
Period

Voluntary Aggregate
23 Choose Voluntary Aggregate Deductible from the following options - `10,000/ `25,000/ `50,000/ `1,00,000
Deductible

This benefit waives off the Co-Payment condition of 20% on the Assessed Claim Amount, applicable on Policies where the Insured age, first time entering into the Policy
24 Removal of Co-payment
is >=61 years

Daily Cash options: `1,000, `1,500, `2,000, `2500 max up to 30 days for In-Patient Hospitalisation and 15 days for ICU Hospitalisation.
25 Hospital Cash
Minimum Hospitalisation of 72 hours

Change in Pre/Post
26 The benefit, enhances the Pre -hospitalisation limit to 90 days and Post Hospitalisation limit to 180 days
Hospitalisation Limit

27 Air Ambulance Covers cost up to 7.5% of base sum insured or `5 Lakhs whichever is higher

28 Radio Taxi Covers expenses up to `1,000 per hospitalisation

`10,000 lumpsum if the Insured Person is hospitalized for a minimum period of 7 continuous `25,000 lumpsum if the insured person is hospitalized for a minimum
29 Convalescence Cover
and consecutive days period of 7 continuous and consecutive days

30 Health Check-up End of every policy year preventive health check-up up to `3,000 can be availed

Annual expenses for vaccination (as listed in policy wording)

31 Vaccination Cover Annual expenses for vaccination (as listed in policy wording) covered up to `2,000
covered up to `3,500

Change in Modern Treatment

32 100% of base sum insured Not Applicable
Limits

Medical expenses covered up to `50,000 for

33 Vision Correction Medical expenses covered up to `1,00,000 for correction of eyesight due to refractive error
correction of eyesight due to refractive error

Expenses up to `5,000 is covered towards second opinion from a medical

34 Second Opinion Expenses up to `3000 is covered towards second opinion from a medical practitioner in India
practitioner in India

35 Home Care Treatment Covered up to 100% of sum insured

Fixed daily amount of `1,000 towards expenses incurred by the Companion towards accommodation, transportation, food or any other miscellaneous expenses, max up to
36 Companion Cover
30 days. Minimum 72 hours of hospitalisation is required for this benefit to trigger

Fixed daily amount of `1,000 towards childcare expenses for any one dependent child covered under the policy up to 12 years of age, for max up to 30 days. Minimum
37 Child Care Cover
72 hours of hospitalisation is required for this benefit to trigger

*The following features are optional covers and can be opted for by paying an additional premium.
^If opted, this benefit supersedes Reinstatement of Base Sum Insured.
Note: For complete details on coverage, refer Policy wordings or Prospectus.
 Your Loyal Commitment,
........................................................................
Our Royal Treatment
..............................................................
We truly cherish your loyalty and wish to express our gratitude in a way you
really deserve. That’s why, at the time of renewal every year, we add a benefit
or a cover to your policy at no additional cost. No questions asked.

Year-wise availability of Sum Insured for Loyalty Cover (‘Earned’ Loyalty Cover Sum Insured)

Policy Coverage
Year

Year 2 10% of Base Sum Insured Accidental Death & Permanent Total Disability

20% of Base Sum Insured Accidental Death & Permanent Total Disability + 10% of Base Sum
Year 3
Insured Critical Illness

30% of Base Sum Insured Accidental Death & Permanent Total Disability + 20% of Base Sum
Year 4 Insured Critical Illness + Hospital Cash {Daily Cash amount (Plan wise) of:
Plus: `1000, Power: `2000, Prime: `3000}

40% of Base Sum Insured Accidental Death & Permanent Total Disability + 30% of Base Sum
Year 5 Insured Critical Illness + Hospital Cash {Daily Cash amount (Plan wise) of: Plus: `1000,
Power: `2000, Prime: `3000 + Leave Compensation Benefit (`1000 per day)

50% of Base Sum Insured Accidental Death & Permanent Total Disability + 40% of Base Sum
Year 6 Insured Critical Illness + Hospital Cash {Daily Cash amount (Plan wise) of:
Plus: `1000, Power: `2000, Prime: `3000} + Leave Compensation Benefit (`1000 per day)

50% of Base Sum Insured Accidental Death & Permanent Total Disability + 50% of Base Sum
Year 7
Insured Critical Illness + Hospital Cash {Daily Cash amount (Plan wise) of:
onward
Plus: `1000, Power: `2000, Prime: `3000} + Leave Compensation Benefit (`1000 per day)

50% of Base Sum Insured or 25 lakhs (whichever is lower ) Accidental Death & Permanent
Maximum
Total Disability + 50% of Base Sum Insured or 25 lakhs (whichever is lower) Critical Illness +
limit
Hospital Cash {30 days of payment} + Leave Compensation Benefit (30 days of payment)

Like we said, no less than a royal treatment for you.

Discounts, Discounts & More Discounts*

....................................................................................................................
Cross sell Discount*
If you are an existing Reliance customer (eg: Private Car Package
Policy Insurance) you get to zoom off with a special 7.5% discount on
your Health Gain premium or if you already have another health policy
extend this discount to 10%
Girl Child and/or Female Proposer Discount*
Get an exclusive 5% discount on the premium if you are an awesome
woman and/or if you have an amazing girl child! Go girl power!
Family Discount*
Depending on your family’s size, when you insure more than one
family member individually in the same policy you can get up to 10%
discount on the policy premium.
Long Term Discount*
Like they say, the longer you’re in it, the better it gets! Get 7% discount
for 2 years’ policy and 12% for 3 Year Policy.
Long Term Fresh Healthy Life Discount^
Get 15% discount if you're <50 years of age, buying a long term
2/3-year health policy for the first time.
*Total of all discounts shall not exceed 40% (Excluding Long Term Discount) in aggregate.
^
Long Term Fresh Healthy Life Discount will applicable subject to no Pre Existing Disease.
* Many more discounts are available.
Policy Covers Everything But Not These^
.................................................................................................................
 Investigation & Evaluation
 Rest Cure, rehabilitation and respite care
 Obesity/ Weight Control unless life-threatening
 Change-of-Gender treatments
 Cosmetic or Plastic Surgery unless for accident,
cancer or burns
 Hazardous or Adventure sports
 Breach of law
 Excluded Providers
 Substance Abuse and Alcohol
 Wellness and Rejuvenation
 Dietary Supplements & Substances
 Refractive Error
 Sterility and Infertility
 External Congenital Anomaly
 Medically Not Necessary Treatment
 Outpatient treatment
 Overseas treatment
 Charges other than Reasonable and Customary
 Self-injury or suicide
 Treatment outside discipline
 War or similar situations
 Unproven Treatments

^For complete list & understanding of exclusions,

please visit reliancegeneral.co.in
Check Your Eligibility
............................................................
Entry Age -
65 years (No entry age bar for a sum-insured of ₹3 lakhs)
Maximum
Dependent children can be covered from 91 days to 25 years of
Entry Age - age under Floater plan. Children above 5 years can be covered as
Minimum an Individual with at least one member aged 18 years or above as
proposer.
Exit Age No Exit Age. This policy offers lifelong renewability

Maximum 8 members can be covered on individual sum insured

Individual basis (Self, Spouse, Son, Daughter, Father, Mother, Father-in-law,
policy Mother-in-law, Brothers, Sisters, Grand Parents, Grand Children,
Daughter-in-law and Son-in-law)
Plus - maximum of 2 Adults (Self + Spouse) and 6 children
Family
Floater Power - maximum of 4 Adults (Self+ Spouse + one set of dependent
Policy Parents or Parents-in-law) and 6 children
Prime - maximum of 6 Adults (Self + Spouse + set of dependent
Parents + set of Parents in law) and 6 children

Conditions Do Apply
............................................................

Room Eligibility in force Plus and Power: Single Private AC Room

Prime: As per Actuals

20% of the claim amount in Floater Policy,

Co-Payment for all insured, if the age of the eldest
member at entry is 61 years or above. In
Individual Policy, for those insured whose
age at entry is 61 years or above.
Policy Tenure 1 year, 2 years and 3 years
Note: Policy Proposer should be at least 18 years on the date of proposal.

Waiting Period
.............................................
30 days waiting period applicable from the start of
First 30 Days
the policy date towards treatment of any illness
Waiting Period
except for claims related to an accident.

3 years waiting period for expenses related to the

Pre-Existing
treatment of PED. A continuous coverage of 36
Disease Waiting
months is essential after the date of inception of the
Period
first policy.

2 years waiting period applies to specific diseases. A

Specific continuous coverage of 24 months is essential after
+
Waiting Period the date of inception of the first policy.

Covid-19 15 days waiting period for Covid-19 treatment from

Waiting Period the first policy commencement date.
+
For detailed list of diseases, do read the prospectus / policy wordings
available on our website www.reliancegeneral.co.in
 Easy Steps To Claim
.....................................................

Inform our health claims team, RCARE, for hospital admission using
the helpline number 1800 3009

Submit the required documents to RCARE

Network Hospital - RCARE will arrange for Cashless facility

Non-Network Hospital - For reimbursement, claims please follow the
process as mentioned in our policy wordings

To make a smart choice, get in touch with us right away!

Website www.reliancegeneral.co.in

1800 3009 (Toll Free)

Call 022-4890 3009 (Paid)
022-33834185 (Paid) – Exclusive
line for Senior citzens
WhatsApp 74004 22200

Contact our Insurance Advisor

Need the BroBot Speed.

Go digital with us

Prohibition of Rebates - Section 41 of the Insurance Act, 1938 as amended by

Insurance Laws (Amendment) Act, 2015.
RGI/MCOM/CO/NEWHEATH GAIN/BR/VER.2.0/260322

No person shall allow or offer to allow, either directly or indirectly, as an inducement to

any person to take out or renew or continue an insurance in respect of any kind of risk
relating to lives or property in India, any rebate of the whole or part of the commission
payable or any rebate of the premium shown on the policy, nor shall any person taking
out or renewing or continuing a policy accept any rebate, except such rebate as may be
allowed in accordance with the published prospectuses or tables of the insurer.

For complete details on the benefits, coverage, terms & conditions and exclusions, visit
the website www.reliancegeneral.co.in and read the sales brochure, prospectus and
policy wordings together carefully before concluding sale. Tax laws are subject to
change.

IRDAI Registration No. 103. Reliance General Insurance Company Limited

Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park,
Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai- 400063.
Corporate Identity Number: U66603MH2000PLC128300. Reliance Health Gain Policy UIN:
RELHLIP22229V032122. Trade Logo displayed above belongs to Anil Dhirubhai Ambani
Ventures Private Limited and used by Reliance General Insurance Company Limited
under License.
An ISO 9001:2015
follow us Certified Company