At Reliance General Insurance, we know how important your health is and therefore care for your protection. The Reliance HealthGain Policy is a smart step towards a worry-free future. Read on to find out how it works.

• 5% premium discount for girl child or single women
  Get special privileges when you insure your little girl or if you’re single women
• Reinstate the policy with base Sum Insured after its exhaustion
  Your base Sum Insured will be automatically restored once, if you exhaust the same during the policy period.
• Cumulative bonus at the end of a claim-free year
  If you do not make a claim at the end of a year, you get a cumulative bonus of 33 1/3% on your base Sum Insured at no extra cost. This accumulated bonus cannot be more than 100% of the base Sum Insured.

• 5% / 10% family discount with an individual policy
  Enjoy a special discount depending on the family size, when you insure more than one family member individually under the same policy.
• Claim and policy service guarantee in case of delay
  If you do not get a response beyond 6 business hours (Cashless claim) and 21 days (Re-imbursement claim) of receipt of all information / documents, you get 1% of claim amount for every delay of 6 hours (Cashless claim) and 21 days (Re-imbursement claim) upto a maximum of 6% of claim amount. You also get a Sum Insured of `10,000 (Plan A) or `20,000 (Plan B) for any delay in policy issuance.
• Free auto-extension of the policy for an additional year
  If you are diagnosed with any of the named critical illnesses, your policy will get extended for an additional year at no extra cost.
• 5% premium discount for Reliance Private Car Package policy customers
  If you are a Reliance Car Insurance customer, you get a special discount of 5%.
• Note: Total of all discounts shall not exceed 15% in aggregate

• Wellness program
  You can enjoy the benefits of our Wellness program that include a free health helpline, consultation with a medical practitioner, discounts from chemists, luxury spas and more.
• Cashless hospitalisation in our network of 4000+ hospitals
  You have the convenience of choice and ease with Cashless hospitalisation at more than 4000 preferred hospitals.
• Double your cover after 4 claim-free years
  You can choose to double the Sum Insured of your policy by using the ‘Call Option’ following four consecutive claim-free years.
• Lifelong renewal
  This policy offers lifelong renewability, there is no exit age.

• Cover for extended family as well
  In addition to yourself, this policy can cover your entire family that includes your spouse, daughter / son, mother / father, siblings, grandmother / grandfather, granddaughter / grandson and daughter-in-law / son-in-law.
• Portability
  If you wish to switch your existing policy to our company, you must apply at least 45 days before but not earlier than 60 days from the premium renewal date of existing policy
• Income Tax
  This policy also gives you a tax benefit. The premium is eligible for deduction under Section 80D of the Income Tax Act, 1961. Do consult your tax advisor for more information on this benefit.
  Note: Tax Laws are Subject to Change.

^Permanent exclusions

• Intentional self-injury / injury under influence of alcohol or drugs / criminal act
• Treatment received outside India / Stem Cells surgery
• War / Nuclear / Chemical / Biological
• Diseases such as HIV or AIDS or STD
• Diseases existing from the time of birth (Congenital diseases)
• Maternity, fertility excluding Ectopic pregnancy
• Cost of spectacles, contact lenses and hearing aids
• Dental treatment or surgery
• Treatment of mental illness
• Cosmetic, aesthetic treatment
• Non-allopathic, Out-patient treatment
• Unproven / Experimental treatments

+Named ailments^

• Arthritis, Gout
• Benign Ear, Nose and Throat (ENT) disorders
• Benign Prostatic Hypertrophy
• Cataract
• Surgery of Genitourinary system
• All types of Hernia, Hydrocele
• Internal tumors, skin tumors, cysts
• Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone

NOTE: ^The list is indicative. If you wish to know more, do read the prospectus / policy wordings