Health Wise Health Insurance Policy

We know that you have heard enough about health insurance policies. Promise we won't preach! Presenting Reliance Health Wise Policy - an affordable and comprehensive policy which helps you take care of the most important aspect of your life - your health

Select a plan that suits your need:



Note:
We cover hospitalization expenses for period more than 24 hours only
Domiciliary Hospitalization is limited to 10% of sum insured, for medical expenses incurred for availing medical treatment at home which would have otherwise required hospitalization
Reimbursement of cost of medical check-up up to 1% of average sum insured for individual policies and up to 1.25% for floater covers, once at the end of a block of four consecutive years, provided there are no claims reported under the policies by any member, during the block

Complementary Benefits:



In case an insured person is hospitalized for more than 10 days, a lump-sum of Rs.10,000/- will be paid.

Discounts for you-


Note:
4% discount in case one daughter is covered in a policy (either 2 adults 1 child or 2 adults + 2 children)
7% discount in case two daughters are covered in 2 adults + 2 children policy
No-claim discount of 5% is applicable for every claim-free year. Maximum discount availed can be 20%.

On purchase of the Health Wise 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.

Just download your R card here online, flash it at any of the places mentioned below (along with some photo ID) and get healthy

What does my policy cover?
With Reliance Health Wise policy, we offer comprehensive and affordable health insurance. The Health policy provides cover for:

Hospitalization Expenses
Complete hospitalization cover
Inclusive of doctor fees
Nursing expenses, OT charges
Medicines and drugs
Anesthesia and oxygen administration expenses
Surgical appliances, pacemaker and radiotherapy

Day-Care Treatment
Coverage for treatment where the insured person requires less than 24 hours of hospitalization due to advanced technology
Subject to treatment or surgeries listed in the policy document

Domiciliary Hospitalization
Policy covers expenses incurred towards treatment administered at home, in case of below mentioned reasons:

Patient's medical condition restricting him/her from being shifted to hospital
Lack of accommodation in any hospital or nursing home

Pre- and Post-Hospitalization
We cover you for a specified number of days before and after hospitalization for the illness mentioned in your policy.

Donor Expenses
We will cover you for the expenses incurred by the donor in case of major organ transplant (available only under Gold and Silver Plans)

Value Added Covers
Under Reliance Health Wise Insurance you can avail value added covers like:
Nursing Allowance for a maximum period of five days, on recommendation of the treating Medical Practitioner
Expenses for domestic road ambulance services to the nearest hospital
Expenses of an accompanying person at the Hospital/Nursing Home for a maximum of five days
Reimbursement of cost of health check-up after four claim-free renewals

What does my policy not cover?
The best way to understand your medical insurance cover is to know the exclusions of your health policy equally well. Things not covered under Reliance Health Wise Insurance are:

Any pre-existing illness for the first two years/ four years of the policy as per the plan selected
Specified illnesses for the 1st year
Specified illnesses in the case of domiciliary hospitalization
Treatment related to HIV / AIDS
Treatment due to abuse of alcohol or intoxicants
Vaccination and inoculation
Nuclear and war perils
Naturopathy treatment

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.