Reliance – Reliance Health Wise Silver

8.8

Premium Amount

₹7,803.00

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%

Cover :₹ 5.0 Lakhs
Bonus / NCB :5% No claim discount, maximum up to 20%
Copay :25%
Claims Settled :98.65%

Category: Health Insurance

100% Cover restoration

Free Health Check-up

Daily cash allowance

Ambulance charges

Covered upto Rs. 700

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

Maternity

Outpatient Expense

Organ donor expenses

Covered up to Rs. 500000

New-born treatment

Domiciliary Hospitalisation

Covered up to Rs. 50000

Recovery allowance

If hospitalization>10 days, lump sum of 1 0,000 is paid

Sum Insured

5 Lakh

E- Consultation

Pros

5% No claim discount, maximum up to 20%

Domiciliary Hospitalisation

Covered up to Rs. 50000

cons

Category: Health Insurance

USP of This Plan

Cover :₹ 5.0 Lakhs
Bonus / NCB :5% No claim discount, maximum up to 20%
Copay :25%
Claims Settled :98.65%

Our Take

8.8Expert Score

Cover :₹ 5.0 Lakhs
Bonus / NCB :5% No claim discount, maximum up to 20%
Copay :25%
Claims Settled :98.65%

Best values score

8.8

Policy Exclusions :

Name: Reliance - Reliance Health Wise Silver - BestValuesGuide
Price: 7803.00 INR
Availability: InStock

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.

₹7,803.00

Reliance – Reliance Health Wise Silver

★★★★★

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8.8Expert Score

Cover :₹ 5.0 Lakhs
Bonus / NCB :5% No claim discount, maximum up to 20%
Copay :25%
Claims Settled :98.65%

Best values score

8.8

Specification: Reliance – Reliance Health Wise Silver

Co-pay	25%
Claims settlment Ratio	98.65%
Sum Insured	5 Lakh
100% Cover restoration	na
No claim bonus	5% No claim discount, maximum up to 20%
Free Health Checkup	Health checkup reimbursement: 1 % of Sum Insured in individual policy and 1.25% for family for every 4 claim free years
Ambulance charges	Covered upto Rs. 700
Daily Cash Allowance	NA
Pre-hospitalisation Expenses	Expenses for 60 days covered
Post hospitalisation expenses	Expenses for 90 days covered
Organ donor expenses	Covered up to Rs. 500000
Maternity	NA
New-born treatment	NA
Domiciliary Hospitalisation	Covered up to Rs. 50000
Outpatient	NA
Ayush treatments	NA
Day Care Procedures	NA
Abundance of network hospitals	NA
Pre-existing diseases (PED)Coverage	2 years
Recovery allowance	If hospitalization>10 days, lump sum of 1 0,000 is paid
Room Rent Limit	NA
Tele-Consultation	NA
The waiting period	covers accident related hospitalisation from day 1. Other hospitalisations are covered from 30 days after the policy start date
Treatment at Home	NA

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Reliance – Reliance Health Wise Silver

Reliance – Reliance Health Wise Silver

Premium Amount

100% Cover restoration

Free Health Check-up

Daily cash allowance

Ambulance charges

Pre-hospitalisation

No claim bonus

Post hospitalisation

Ayush treatments

Maternity

Outpatient Expense

Organ donor expenses

New-born treatment

Domiciliary Hospitalisation

Recovery allowance

Sum Insured

E- Consultation

Pros

cons

USP of This Plan

Our Take

Policy Exclusions :

Claims settlement

Reliance – Reliance Health Wise Silver

Specification: Reliance – Reliance Health Wise Silver

User Reviews

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