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Reliance General Insurance (Plans, Claims, Renewal & Benefits)
Reliance General Insurance is an Indian insurance company wholly owned by Reliance Capital. The company was established on 17th August 2000, since then it operates with over 128 branches across the country.
Reliance General Insurance offers extensive coverage financially protecting you and your family members against major healthcare-related risks and contingencies. Its health plans provide a plethora of benefits such as cashless hospitalization, a cumulative bonus that boosts your coverage, pre and post-hospitalization coverage, and much more.
The company offers a wide range of health insurance plans ranging from critical illness, personal accident plans, family floater plans, etc at an affordable premium. Apart from health plans, the company also offers a rage of motor insurance plans, travel insurance plans, and other insurance plans.
Reliance General Insurance has maintained a strong track record when it comes to settling customer claims. According to IRDA, the company has reported a claim settlement ratio of 94% for FY 2019-2020.
In this article, let us talk about the following
- Company specifications
- Reliance Insurance Plans
- Why choose Reliance General Insurance?
- Benefits of Reliance General Insurance
- How to buy a Reliance Insurance Plan?
- Reliance Insurance claim process
- Reliance Insurance renewal
Network hospitals | 7,000+ |
Claim settlement ratio | 94% FY 2019-2020 |
Founder | Anil Ambani |
Website | www.reliancegeneral.co.in |
Customer care | +91 22 48903009 (paid number) |
Headquarters | Mumbai |
Reliance General Insurance Plans
| Plan name | About the plan |
|---|---|
| Reliance Health Gain Insurance Plan | This is an all-inclusive family floater plan that safeguards you and your loved ones against hospitalization expenses under a single policy. The plan is available in two variants: A and B Plan |
| Reliance Arogya Sanjeevani Plan | This is a standard health plan that covers hospitalization expenses up to the sum insured. It offers a wide range of sum insured options ranging up to Rs 5 Lakh. |
| Reliance Health Infinity Plan | This health plan offers extensive coverage that protects against most healthcare risks and emergencies. It also provides a 100% sum refill benefit that automatically reinstates the health coverage if the policyholder runs out due to any previous claims. |
| Reliance Personal Accident Plan | It is an accidental health plan that covers you against unforeseen accidents in India and globally. This plan covers hospitalization expenses arising out of accidents and their complications. |
| Reliance Health Wise Plan | This family floater health plan covers hospitalization expenses of a maximum of up to four individuals under this plan. It comes in 3 types of variants – Gold, Silver, and Standard plan. |
| Reliance Critical Illness Plan | True to its name, this plan is intended to financially protect against a listed set of critical illnesses and conditions specified in the policy. |
| It comes in 2 types of categories: | |
| Category 1- Covers life-threatening illnesses | |
| Category 2- Covers lifestyle disabling illnesses | |
| Reliance Wellness Plan | This particular plan is there to provide additional value-added benefits such as health coach, weight management services, etc. |
| Reliance Group Mediclaim Insurance Policy | This is a group plan that offers standard health coverage to the insured group members, protecting them from hospitalization expenses arising out of any illness or accident. |
| Reliance Corona Rakshak Insurance Policy | This is a short-term policy in which the policyholder will be paid a lump sum payout of the sum insured when diagnosed with COVID-19. |
| Reliance Corona Kavach Insurance Policy | This plan is designed to cover all hospitalization expenses incurred in the treatment of COVID-19. It is available on an individual as well as a family floater basis. |
| Reliance Hospi Care Insurance Policy | This plan pays lumpsum payouts for more than 150+ listed surgical procedures and 140+ daycare treatments that are expensive in general. The plan also offers a daily cash allowance when the policyholder is hospitalized for a maximum period of up to 60 days. |
| Reliance Saral Suraksha Bima Policy | This is a cash benefit plan in which the company will pay a lump sum payout of the sum insured in case of accidental death or any disablement suffered by the policyholder due to an accident. |
Why choose Reliance General Insurance?
Network hospitals
Reliance General Insurance has more than 7,500+ associated network hospitals all across the country, providing access to efficient and top-quality healthcare treatments.
Cashless facility
You can experience efficient and smooth cashless treatment in more than 7500+ network hospitals of the company, without worrying to pay the hospital bill from your pocket. In cashless treatment, the insurer will directly settle the bill with the hospital as per the policy terms and conditions.
Claim settlement ratio
Reliance General Insurance has an impressive track record when it comes to settling claims. The insurer has an ideal claim settlement ratio of 94% for FY 2019- 2020.
Wide range of plans
The insurer offers a wide variety of health plans catering to all kinds of customers and their needs. It offers several health plans for individuals, groups, critical illness-specific plans, and much more.
Reliance General Insurance Plan benefits
Lifetime renewals
Health plans offered by the company come with a lifetime renewability option that means that the policyholder can renew their health plan without any limitations on the age limit.
Sum refill benefits
Multiple plans offered by the company offer the advantage of 100% sum refill benefit which automatically restores the health coverage up to the base sum insured if the policyholder runs out of it due to any previous. This inbuilt plan feature brings mental relief and peace during serious medical situations.
No claim bonus
Plans offered by the company provide the policyholder with the advantage of a cumulative bonus which boosts the base sum insured as a reward for claim-free years.
Value-added benefits
Along with comprehensive coverage, the company also provides multiple value-added benefits that assist the policyholder in maintaining good health and lifestyle like wellness programs, health coaching, online health consultations, etc.
Customer support
The company offers 24/7 customer support to its customers when it comes to settling claims, renewals, and other insurance-related queries.
How to file a claim with Reliance General Insurance?
Here are two ways the policyholder can file a claim:- cashless or reimbursement claim
Cashless claim
The policyholder can file for cashless claim when admitted to a network hospital of the company.
Follow the simple steps laid down by us to file for the cashless claim.
Step 1– Find the nearest Reliance network hospital to avail of cashless treatment.
Step 2– Inform the company 72 hours in advance in case of planned hospitalization and within 24 hours in case of emergency hospitalization.
Step 3– Submit your reliance health card along with photo identification proofs at the TPA/insurance health desk at the hospital.
Step 4– Dully fill and sign the pre-authorization claim form and submit it back to the hospital.
Step 6– The hospital will send your claim request along with the documents to the R CARE health to process the claim ahead.
Step 7– The company will verify your claim with the policy terms and conditions and will approve the same accordingly.
Step 8– After thorough verification, the claim shall be approved. In case the claim is approved the insurer will directly settle the bill with the hospital before discharge.
Note: In case your claim is rejected you the company will inform you in writing with reasons for the same.
Reimbursement claim
The policyholder will have to file for a reimbursement claim when admitted to a non-network hospital of the company or when the cashless claim is not accepted.
In a reimbursement claim, the policyholder will have to initially pay the hospital bill from their own pocket and can then file for a refund from the company.
Follow the simple steps laid down by us to file for reimbursement claim.
Step 1– Inform the company 72 hours in advance in case of a planned visit and within 24 hours in case of emergency hospitalization.
Step 2– After the discharge, submit all supporting documents to the insurance company to initiate your claim process.
Step 3– Upon receiving your documents the insurer will verify the claim along with the terms and benefits of the policy.
Step 4- After verification, the company shall approve the claim and the reimbursement amount will be directly transferred into the linked bank account.
Documents required to file a claim
- Reliance health card
- Original medical reports, bills, receipts.
- Original discharge summary
- Photo identification proofs
- Doctor’s report, consultation notes
- Original reports, diagnosis, MRI, CT scans, x-ray
- Duly filled and signed claim request form
- FIR (if applicable)
- Death certificate (if applicable)
Reliance General Insurance renewal process
It is necessary to renew your health policy on time to enjoy the constant benefits provided under your plan. Follow these simple steps to renew your Reliance Insurance policy.
Online renewal process
Step 1– Visit the official website of the company i.e www.reliance general.co.in
Step 2– Click on the “Renew Now” tab and select the plan that you need to renew.
Step 3– Enter the requested details like the existing policy number and date of birth, then click on renew now.
Step 4– Verify your premium amount and pay the same online.
Step 5– Once you have made the payment you will receive a confirmation email on the registered email address along with the premium payment receipt.
Offline renewal process
You can also renew your health insurance plan by visiting the nearest branch of Reliance General Insurance and state your policy renewal request.
You can also connect with the customer care team at +91 22 48903009 (paid number) and inform them about your requirements.