Critical Illness Insurance Reliance General

Unforeseen circumstances, unhealthy lifestyle, and stress push us towards life-threatening medical conditions. Anyone at any stage of life can acquire acute diseases. At this stage, the Critical Illness insurance policy comes as a savior to you.

What Is Critical Illness Policy?
A Critical Illness Policy is a cover specifically designed to give protection to a particular person against a life-threatening disease. Any critical illness is long-lasting and may require multiple visits to a hospital. What this means for the person is that there will be a lot of economic burden of not only the hospital costs but doctor visits and other medical expenses as well. A critical illness cover is designed in a way that it can pay a lump sum amount for all those expenses. Also, the good news is that this lump sum amount is in addition to any kind of health insurance that you may already have.

Health emergencies can hit you at the most unexpected times and it is thus necessary to be prepared for this. The family not only struggles with the treatment of cost and mental strain but they are also dealing sometimes with the loss of family income. This can force the families to dig into their savings and spend all of these to get the best treatment. Having a critical illness policy can solve all these problems and can make the process a bit less harsh.

We, at Reliance General Insurance, bring you a critical illness insurance policy that caters to life-threatening and lifestyle-disabling diseases, so you are worry-free.

Features & Benefits offered by Reliance Critical Illness Insurance



Eligibility of age - up to 65 years for 5 lacs SI only, up to 60 years for 7 lac SI, up to 55 years for 10 lac SI.

Why Is It Important To Have A Critical Illness Cover?
Now treating a critical illness is an altogether different process and it takes time and money to treat such illness. If you are an earning member of the family and you are diagnosed with a critical illness you may have to skip work to get treatment which means also cutting off the major income source for the family.

A normal health insurance plan will only cover for the hospitalization cost and there will be no other benefit. Critical illness policy is necessary because it goes beyond normal insurance plans and helps you cover additional expenses as well. This policy provides a lumpsum benefit to the customers which is very beneficial. The lack of critical illness insurance can be a trouble as it could drain your years of savings in just a month and could hit the family very hard economically. You can buy critical illness insurance online to have a secure future for your family and plan the needful.

Who Should Buy Critical Illness Insurance Policy?
Due to medical inflation, we all know that the cost of health care is rising day by day. In case of a critical illness, a person is hospitalized and the cost of treatment can go sky-high and could be difficult for the person to manage. The modern-day hectic lifestyle is causing trouble to us all and this includes a rise in cases of cancer, kidney failure or coma, etc.

While critical illness policy is meant for everyone, here are people who should have it at must -

People With A Family History Of Critical Illness
Many of the critical illnesses are hereditary and thus there is a major risk of developing a critical illness for some who have a history of the same in the family. Thus, those with some history in the family must opt for a critical illness plan.

Breadwinners
The role of the breadwinner for a family is very important. If something happens to them then it will affect the whole family and not only their present but the future of the family will be greatly affected. To be safe from these unpleasant financial situations one must get a critical illness policy for themselves as the primary breadwinner of the house so their family is secure in case something happens to them.

Above 40
All the people above 40 are at higher risk of developing a critical illness and thus it is advised to buy a critical illness policy in the later stages as early as possible to manage the premium amount easily.

Why You Should Buy Critical Illness Cover From Reliance General Insurance?
Reliance General Insurance is a leading health insurance company in India. The plans are affordable and there is a wide range to choose from where you can also adjust the plan according to your needs. There are more than 7300 network hospitals and Reliance General has an incurred claim ratio of 100 %. Also, the claim filing process with Reliance is easier than ever and could be done easily online. Some of the features of a critical illness plan offered by Reliance are

Waiting Period:
There is a 30day waiting period before you can claim the insurance.

Claiming Process:
The claim can now be processed easily and with everything happening online the claim can now be filed and processed online completely.

Eligibility Criteria For Critical Illness Policy
The person must be at least 18 years of age to get a critical illness policy by Reliance and the maximum age varies according to the sum being assured to the person. So, for example

The maximum entry age to buy a 5-lakh sum insured policy for the insurance is 65 years.
The maximum entry age to get a sum insured of 7 lakhs insurance policy is 60 years.
The maximum entry age to get a Reliance critical illness policy for 10 lakhs sum insured is 55 years.

Also, for all the individuals above =46 a medical test mandatory before getting the policy. The medical test will be done at a network diagnostic center and will be covered by Reliance.

What we cover under critical illness insurance
With the Reliance Critical Illness Insurance Policy, you will receive a lump sum payout on your claim, if you're diagnosed with any of the following critical illnesses or if you have to undergo any of the mentioned surgeries. In terms of the sum insured, you may choose any option between Rs. 5 lakh, Rs. 7 lakh or Rs. 10 lakh.

Category I - Life Threatening
Cancer
Major Organ Transplant
Multiple Sclerosis
Third Degree Burns
Aorta Graft Surgery

Category II Lifestyle Disabling
Heart Valve Replacement or repair
Coma of Specified Severity
Coma Quadriplegia (persisting more than 90 days post-diagnosis without any significant recovery)
Total Blindness
End-Stage Renal Disease requiring regular dialysis

What we don't cover under critical illness insurance?
Critical illness or its fallouts can be quite complex, so it's difficult to cover every situation. Here are a few things that your Critical Illness Insurance policy won't cover

Any pre-existing diseases, illnesses or injuries
Critical illness contracted or diagnosed arising out of or due to
within 3 months of the policy start date
pregnancy or childbirth
HIV infection / AIDS
cosmetic or sex-change treatment/surgery
alcohol consumption, smoking, other tobacco intake or drug abuse
intentional self-injury, suicide or attempted suicide
any breach of law or participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion
war, terrorism or nuclear weapons

Cases, where
death occurs within 30 days of the diagnosis or surgery
diagnosis is provided by a family member, anyone not registered as a medical practitioner
diagnosis is not scientifically recognized