Health Gain Insurance

Due to sky-rocketing inflation, even a small medical emergency can burn a hole in our savings. At this difficult situation- a health insurance policy comes as a savior to you. It covers day care procedure, consultations, tests, and other such expenses that can put you in a financial crisis. Hospitalization expenses for Coronavirus treatment is also covered under the policy.

Health Gain is a Health Insurance policy by Reliance General Insurance available in Individual as well as Family Floater Plans, with benefits such as cashless hospitalization, reinstatement of base sum insured, pre and post hospitalization expenses, and numerous other add-on features.

Beat the heat of inflation and avail the amazing benefits of this policy in monthly installment It's that simple Click here to know more.

Looking for a great taxing saving investment?
As per section 80D avail deductions of up to Rs 1,00,000 on medical insurance premium. Take a look at below table to know more about the available deductions from gross total income and avail tax benefit of up to Rs. 35,880 :



Select a Plan that Suits Your Needs

From the below-mentioned options, you can select the right health insurance plan that secures your and your family's health.



What we offer in this plan-




What we offer in this discount-
Maximum discounts capping up to 15%
Discount applicable for existing Reliance Private Car Package Policy users.

Why You Should Buy Health Insurance When You Are Young ?

Low Premium-
The premium of a health insurance policy is much lower when you are young. Let's understand this with an example- At the age of 25, you can have a cover of Rs. 3 lacs at a premium of just Rs. 5,546. As time passes by, our immune system weakens, and we might need a cover of a greater sum insured. If you buy a cover of Rs. 9 lacs at the age of 50, then the premium amount gets almost tripled i.e. Rs. 14,856. Hence it is advised to buy a health insurance policy at a young age.

Optimum health coverage-
Due to a progressively sedentary lifestyle, unhealthy diet, environmental pollution and adulterated food, we are observing an increase in lifestyle diseases across age groups. The medical insurance offered by your employer is not enough. Even a regular hospitalization can cost you more than you can imagine. The fact is that medical exigencies increase as you get old and the need for medical insurance cannot be overlooked.

Tax Benefits-
Health insurance is one of the best ways to save tax under Section 80D of the Income Tax Act, 1961. You can avail tax benefits for a longer period if you buy a health insurance at a young age.

Investment-
If you buy health insurance policy at a young age, it's likely that you will get the best deal and your policy will be approved without any problem. The basic hospitalization costs have seen a spike of more than 10% in a decade.

Top 5 Factors That Affect Your Health Insurance Premium

Age: As mentioned earlier, the younger you are the less you have to pay to get yourself covered.

Medical history: In case you have any pre-existing disease, your premium might increase or the insurer might not cover some particular disease in the policy.

Body Mass Index: A high BMI may cause a surge in the premium amount. As high BMI is an indicative of obesity-related ailments like high blood pressure, heart attack, etc.

Occupation: Your insurance premium is likely to increase if you work in hazardous environments or deal with harmful chemicals or radiations. Also, working at construction sites can surge your premium amount.

Consumption of substances injurious to health: Your bad habits will never let you win any health situation. Hence, a smoker, alcoholic, or druggie may have a higher premium as compared to a person leading a healthy lifestyle.

What we cover-
This health insurance policy is a perfect foil for any unseen problems you might face during your treatment. Here's a quick look at what your policy covers.

Hospitalization expenses in case of:
In-patient treatment for covered illnesses /injuries, where the insured person is hospitalized for more than 24 consecutive hours.
Day-care treatment for surgeries /procedures, where the insured person requires less than 24 hours of hospitalization due to advanced technology. For the list of Day care treatment.

Pre-hospitalization coverage for:
Medical expenses incurred before hospitalization. Under the Health Gain policy, you will get coverage for 60 days.

Post-hospitalization coverage for:
Medical expenses incurred after hospitalization. Under the Health Gain policy, you will get coverage for 60 days.

Domestic Road Ambulance:
Expenses for domestic-road ambulance services to the nearest hospital in case of life threatening emergencies. Under Plan A, your medical insurance policy would pay up to Rs 1,500 and up to Rs 3,000 under Plan B. (For more details on this Mediclaim policy, please refer to the policy wordings)

Donor expenses:
These are expenses incurred by the organ donor. We will cover up to 50% of the base sum insured, subject to a maximum of Rs. 5 lakh/- (For more details on this Mediclaim policy, please refer to the policy wordings

Domiciliary hospitalization:
Sometimes it is not possible to move the patient to a hospital because of their condition or lack of accommodation at the hospital. In such cases, the patient can be treated at home. This is called domiciliary hospitalization.
Medical expenses for such cases will be covered if the treatment continues for a minimum of three days.

Re-instatement of base sum insured:
If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalization for any related or unrelated illness, we will refill the full Sum Insured at no extra cost. (Please refer to Annexure -II of the policy wordings of this Mediclaim policy)

Cumulative bonus:
This is a bonus awarded at the end of each claim free policy period. When you do make a claim in any given Mediclaim policy period.

If you don't make any claims on your policy for a year, you earn a cumulative bonus of 33.33% on your base sum insured, at no extra cost. However, the cumulative bonus can be accumulated equal to the amount of base sum insured.

When you do make a claim in any given policy period, the bonus earned shall be decreased by 33.33% of the base sum insured, in the subsequent year. However, this will not reduce the initial base sum insured of your health insurance plan & your maximum reduction of cumulative bonus would be zero.

Call Option:
If you do not make any claim on your policy for 4 consecutive years, then by end of the 4th year your cumulative bonus will be equal to your base sum insured. In the 5th year, you can choose the Call Option to double your sum insured by adding this earned cumulative bonus.
Thereafter, you can accumulate the cumulative bonus again.
Please note that you can choose the Call Option only twice in your lifetime. (For more details, please refer to the policy wordings)

Claim service guarantee:

Cashless health insurance claims: If we're unable to respond within 6 business hours, even after you have completed claim request with correct documentation and information, we will be liable to pay 1% of the claim amount to you, subject to a maximum liability of 6%.

Reimbursement of Claims: Similarly, if we're unable to respond within 21 days, even after you have completed your claim request with correct documentation and information, we will be liable to pay 1% of the claim amount to you, subject to a maximum liability of 6%.

Policy service guarantee:
If, even after receiving all completed documents (including Medical reports, as applicable and premium), there is a delay of more than 10 working days from us in issuing your policy issuance, we will pay you onetime additional sum insured of Rs 10,000/- under Plan A and Rs 20,000/- under Plan B.
This will be applicable only for 1 year Policy Period and not for renewals/ auto-renewals.

Accidental death cover for no claim renewal:
Under Plan B, we will provide you an accidental death cover of Rs. 1 Lakh/- at the end of every claim-free policy year with our Company.
This cover will be valid for only one year.
This is applicable only if the policy holder is also the insured person in the policy.

Health Insurance Renewal:
You can renew your medical insurance policy for free, under Plan B, if the person insured in the policy is diagnosed with a 'named critical illness
This benefit is provided once in the lifetime.
This is applicable only if the policy holder is also the insured person in the policy.

Wellness Solutions:
Awesome discounts on various, value-added wellness services and choice of various online solutions through our wellness program.

What we don't cover
As much as we'd like for your policy to cover any and all types of situations, it isn't possible.
Here are some of the exclusions in the Health Gain Policy.

Claims for any medical expenses that occur within 30 days of the Mediclaim policy start day will not be covered, unless they occur due to an injury.
The following illnesses or surgeries will not be covered for the first two consecutive years from the policy start date:
Arthritis (non-infective)
Osteoarthritis and Osteoporosis
Gout
Rheumatism
All Vertebrae Disorders (including, but not limited to, Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse)
Joint Replacement Surgery
Benign Ear, Nose and Throat (ENT) Disorders and Surgeries (including, but not limited to, Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty)
Nasal Septum Deviation, Sinusitis (and related disorders)
Benign Prostatic Hypertrophy
Cataract
Surgery of Genito-Urinary System (unless necessitated by malignancy)
Hernia, Hydrocele (all types)
Internal Tumors, Skin Tumors, Cysts, Nodules, Polyps, Breast lumps (each of any kind), unless malignant
Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
Any conditions, ailments, injuries or related conditions, which you, the insured person, didn't show any signs of, and /or which were diagnosed, and / or for which you received medical advice / treatment within 36 months, prior to the policy start date.
As per this policy a single room is defined as a room, where a single patient is accommodated and which has an attached toilet (lavatory and bath). The room may also provide provision for accommodating an attendant. Essentially, this type of room is the most basic and the most economical of all accommodations, available as a single room, in that hospital. Any room, beyond this description, is excluded from the health insurance policy coverage.
The following diseases or conditions are not covered in this plan, under permanent exclusions:
Intentional self-injury / injury under influence of alcohol, drugs / criminal acts
Outside India or Robotic or Stem Cells
War / nuclear / chemical / biological injuries
Diseases such as HIV / AIDS or STDs
Congenital diseases (diseases present from birth)
Maternity- or Fertility-related conditions
Cost of spectacles, contact lenses and hearing aids
Dental treatment or surgery
Treatment of mental illness
Cosmetic, aesthetic treatment
Non-allopathic, diagnostics , self-medication, unproven treatments

We also provide variety of options to choose from such as a family floater Mediclaim policy, individual health insurance plans, cashless health insurance, senior citizen health insurance and sum insured 3 lacs, 6 lacs & 9 lacs are available.

On purchase of the Health Gain policy, you get the R card! It's not just for claims, but it also gets you fabulous discounts and deals on a variety of health and lifestyle products and services.