Reliance – Reliance Health Wise Gold

8.2
Expert ScoreRead review

Reliance Health wise is a health plan which provides attractive additional coverage features without imposing an additional premium. The plan offers unique coverage features like extension of the plan term without any extra premium on suffering a Critical Illness, restoration of Sum Assured, a dedicated wellness program among others. Various premium discounts are also available under the plan. Premium Discount for girl child- 1 Girl child : 4%, 2 Girl child : 7%

4,265.00

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Category:
Health insurance

Reliance – Reliance Health Wise Gold

8.2
Expert ScoreRead review


Premium Amount

4,265.00

Reliance Health wise is a health plan which provides attractive additional coverage features without imposing an additional premium. The plan offers unique coverage features like extension of the plan term without any extra premium on suffering a Critical Illness, restoration of Sum Assured, a dedicated wellness program among others. Various premium discounts are also available under the plan. Premium Discount for girl child- 1 Girl child : 4%, 2 Girl child : 7%

Category:
100% Cover restoration
100% of cover amount
Free Health Check-up
-
Daily cash allowance
Rs. 250 per day up to 7 days
Ambulance charges
Covered upto Rs. 1000
Pre-hospitalisation
Expenses for 60 days covered
No claim bonus
5% No claim discount, maximum up to 20%
Post hospitalisation
Expenses for 90 days covered
Ayush treatments
NA
Maternity
Not included
Outpatient Expense
Not included
Organ donor expenses
Covered up to Rs. 100000
New-born treatment
Not Included
Domiciliary Hospitalisation
Covered up to Rs. 10000
Recovery allowance
If hospitalization>10 days, lump sum of 1 0,000 is paid
Sum Insured
1 LAKH
E- Consultation
NA

Pros

NA
5% No claim discount, maximum up to 20%
NA
Domiciliary Hospitalisation
Covered up to Rs. 10000

cons

Category:

USP of This Plan

Reliance Health wise is a health plan which provides attractive additional coverage features without imposing an additional premium. The plan offers unique coverage features like extension of the plan term without any extra premium on suffering a Critical Illness, restoration of Sum Assured, a dedicated wellness program among others. Various premium discounts are also available under the plan. Premium Discount for girl child- 1 Girl child : 4%, 2 Girl child : 7%

Our Take

8.2Expert Score
Reliance Health wise is a health plan which provides attractive additional coverage features without imposing an additional premium. The plan offers unique coverage features like extension of the plan term without any extra premium on suffering a Critical Illness, restoration of Sum Assured, a dedicated wellness program among others. Various premium discounts are also available under the plan. Premium Discount for girl child- 1 Girl child : 4%, 2 Girl child : 7%
Bestvalues score
8.2

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control
Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.
Change of gender treatments
Any claim for specific procedures or diseases during the waiting period of 24 months
Cosmetic or plastic surgery
Investigation & Evaluation
Hazardous or adventure sports
Rest care & rehab outside the limits covered
Breach of law
Alcholism, drug or substance abuse
Excluded providers
Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription
Refractive error
Unproven treatments
Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

Claims settlement

If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer
If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital.
Reliance – Reliance Health Wise Gold
4,265.00

Reliance – Reliance Health Wise Gold

Added to wishlistRemoved from wishlist 0
Add to compare
8.2Expert Score
Reliance Health wise is a health plan which provides attractive additional coverage features without imposing an additional premium. The plan offers unique coverage features like extension of the plan term without any extra premium on suffering a Critical Illness, restoration of Sum Assured, a dedicated wellness program among others. Various premium discounts are also available under the plan. Premium Discount for girl child- 1 Girl child : 4%, 2 Girl child : 7%
Bestvalues score
8.2

Specification: Reliance – Reliance Health Wise Gold

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Pre-existing diseases (PED)Coverage

Recovery allowance

Tele-Consultation

The waiting period

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Reliance – Reliance Health Wise Gold
Reliance – Reliance Health Wise Gold

4,265.00

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