Thursday, October 9, 2008

Reliance Health Insurance


Key Highlights
Rs. 2 lakh cover for a family of two at Rs. 2245 per annum
24 x 7 cashless facility and TPA support
No medical check-up up to age of 45 years
Income Tax benefit under Section 80 D
Access to quality healthcare is a necessity today. The Reliance Healthwise Policy ensures you provide the best medical care to your family. We offer a health insurance policy that gives you the optimum value for money without compromising on the quality of medical attention.
Key AdvantagesAffordable Premiums
We offer premiums as low as Rs. 2245 p.a. for a sum insured of Rs. 2 lakhs, for a couple
The Family Floater benefit covers the entire family, ensuring that the cover is used optimally
Policies are available for people up to the age of 65 years.
Convenience all the way
No health checkups for people under the age of 45 years.
With our instant health-kit issuance, your health cover gets an instant start.
A 24-hour cashless facility is provided at more than 4,300 hospitals across India.
The Reliance Advantage
Pre-existing illnesses will commence after two years or four years (depending on the plan you choose) of continuous cover
We also provide you and your family with extended coverage for pre- and post-hospitalisation expenses.
What's more, we reward you with a no-claim bonus of 5% on every claim-free renewal. This can be accumulated up to a maximum of 50%. Tax-wise
With the Reliance HealthWise Policy, you can avail of tax benefits under Section 80D of the Income Tax Act.

Policy Coverage
The coverage offered by Health-wise Policy includes:
Hospitalisation Expenses ¨C The policy will cover expenses incurred for room and operation-theatre charges, doctors¡¯ fees, cost of nursing, medical tests, medicines, blood, etc.
Day-Care Treatment ¨C The policy will cover expenses incurred towards technologically advanced treatment that does not require hospitalisation for 24 hours.
Domiciliary Hospitalisation ¨C We also provide cover for treatment administered at home, subject to specified conditions.
Pre- and Post-Hospitalisation ¨C Reliance Healthwise covers medical expenses for treatment up to 60 days before (and up to 90 days after) the hospitalisation, depending upon the plan selected.
Critical Illness ¨C The policy provides for separate double sum insured for treatment of ten critical illnesses listed.
Donor Expenses ¨C In the event of a major organ transplant, this policy will cover hospitalisation expenses incurred on the donor.
Value Added Benefits
Reliance General Insurance strives to provide more than what is expected. Our value-added benefits include:
Nursing allowance for a maximum of five days.
Reimbursement of charges towards ambulance services
Allowance for expenses of a person accompanying the insured, for a maximum of five days
Reimbursement of cost of health check-up after four claim-free renewals.
In order 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.
Any pre¨Cexisting illness for the first two years/ four years of the policy.
Specified illnesses for the 1st year.
Specified illnesses in the case of domiciliary hospitalisation.
Any treatment for the first 30 days from the time of inception of policy, unless due to an accident.
Treatment related to HIV / AIDS
Treatment due to abuse of alcohol or intoxicants.
Vaccination and inoculation.
Nuclear and war perils.
Naturopathy treatment.
EligibilityEligibility norms for this policy are:
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 parents are covered.
Maximum age to enter the Plan is 65 & 60 years for Standard and Silver Plan respectively.

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