What does Reliance Health Insurance Coverage include?

Reliance Health Insurance Coverage includes hospitalisation, day-care procedures, ICU charges, room rent, ambulance services, and treatment for major illnesses depending on the plan chosen.

Does Reliance offer cashless treatment?

Yes, cashless treatment is available across thousands of Reliance network hospitals for hassle-free hospitalisation.

Does Reliance Health Insurance cover maternity expenses?

Certain plans offer maternity and newborn cover after completing a waiting period of 3–4 years.

Are day-care procedures covered under Reliance Health Insurance Coverage?

Yes, 200+ day-care treatments such as cataract surgery, dialysis, and minor operations are covered without requiring 24-hour hospitalisation.

Does Reliance Health Insurance cover accidental injuries?

Yes, accident-related hospitalisation and emergency treatments are covered from day one.

Are critical illnesses included under Reliance Health Insurance Benefits?

Critical illnesses like cancer, stroke, kidney failure, and heart diseases are covered under specific plans or add-on riders.

Does Reliance cover AYUSH treatments?

Yes, several plans provide coverage for Ayurveda, Homeopathy, Unani, and Siddha treatments.

Are ambulance charges included in Reliance Health Insurance Coverage?

Yes, road ambulance expenses are covered. Some plans also offer air ambulance cover for severe medical emergencies.

Are organ donor expenses covered?

Yes, donor surgery and related medical costs are covered as per the policy terms.

Does Reliance Health Insurance provide annual health check-ups?

Many plans offer annual health check-ups to support early diagnosis and preventive care.

Are OPD expenses covered?

OPD cover is available as an optional add-on for doctor consultations, medicines, and diagnostics done outside the hospital.

What treatments are not covered under Reliance Health Insurance Benefits?

Exclusions include cosmetic procedures, unproven treatments, self-inflicted injuries, and illnesses diagnosed during waiting periods.

Does Reliance provide sum insured restoration?

Yes, many plans offer unlimited or automatic restoration of the sum insured if it gets exhausted.

Can I customise Reliance Health Insurance Coverage with add-ons?

Yes, Reliance offers add-ons like critical illness rider, OPD, global cover, maternity cover, and wellness benefits to enhance your policy.

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Q: Are pre-existing diseases covered under Reliance Health Insurance Benefits?

Yes, pre-existing diseases are covered after completing the applicable waiting period, usually 24–48 months based on the policy.

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11200+

Cashless Network

99.57%

Claim Settlement Ratio

5 Crore+

Happy Customers

11200+

Cashless Network

99.57%

Claim Settlement Ratio

5 Crore+

Happy Customers

Reliance Health Insurance & Coverage Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

verdict

Our Verdict: Reliance Health Insurance Coverage

Pros

Wellness benefits and AYUSH coverage enhance value

Customizable add-ons: OPD, maternity, critical illness, global cover

11,200+ cashless network hospitals for easy access

High sum‑insured options with restoration benefits

Cons

Restrictions/sub-limits may apply for rare or international treatments

Claim approvals depend on documentation and network status

Maternity and OPD often need additional riders

Higher sum-insured and add-ons increase premiums

Pros

Wellness benefits and AYUSH coverage enhance value

Customizable add-ons: OPD, maternity, critical illness, global cover

11,200+ cashless network hospitals for easy access

High sum‑insured options with restoration benefits

Cons

Restrictions/sub-limits may apply for rare or international treatments

Claim approvals depend on documentation and network status

Maternity and OPD often need additional riders

Higher sum-insured and add-ons increase premiums

Final Verdict

Reliance General Health Insurance offers flexible and comprehensive protection suited for individuals and families seeking long-term coverage. With high sum-insured options, restoration benefits, and a wide cashless hospital network, it provides strong support for hospitalisation, surgeries, critical illnesses, and specialised treatments. Customisable add-ons like OPD, maternity, wellness, and global cover...

Reliance General Health Insurance offers flexible and comprehensive protection suited for individuals and families seeking long-term coverage. With high sum-insured options, restoration benefits, and a wide cashless hospital network, it provides strong support for hospitalisation,...

Key Coverages & Benefits Offered Under Reliance Health Insurance

Reliance Health Insurance provides broad protection for medical expenses, offering flexible coverage, high sum-insured options, and essential benefits for individuals and families.

Inclusions

Optional maternity, OPD, and wellness benefits depending on the plan.

Organ donor medical and surgical expenses.

AYUSH treatment coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Emergency ambulance charges up to policy limits.

Day-care treatments that do not require 24-hour admission.

Pre- and post-hospitalisation expenses for a specified number of days.

Covers hospitalisation expenses including room rent, ICU, medicines, and doctor fees.

Exclusions

Experimental, unproven, or unapproved medical treatments.

Illnesses related to war, nuclear events, or terrorism.

Routine dental, vision, and OPD expenses without add-ons

Pre-existing diseases not covered until completion of the waiting period.

Injuries due to self-harm, intoxication, or substance abuse.

Infertility treatments, IVF, and assisted reproduction procedures.

Cosmetic or aesthetic procedures unless medically necessary.

Inclusions

Optional maternity, OPD, and wellness benefits depending on the plan.

Organ donor medical and surgical expenses.

AYUSH treatment coverage for Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Emergency ambulance charges up to policy limits.

Day-care treatments that do not require 24-hour admission.

Pre- and post-hospitalisation expenses for a specified number of days.

Covers hospitalisation expenses including room rent, ICU, medicines, and doctor fees.

Exclusions

Experimental, unproven, or unapproved medical treatments.

Illnesses related to war, nuclear events, or terrorism.

Routine dental, vision, and OPD expenses without add-ons

Pre-existing diseases not covered until completion of the waiting period.

Injuries due to self-harm, intoxication, or substance abuse.

Infertility treatments, IVF, and assisted reproduction procedures.

Cosmetic or aesthetic procedures unless medically necessary.

Claims Process

How to file Reliance claims?

Reliance Health Insurance & Coverage Benefits

How Coverage and Benefits Vary in Reliance Health Insurance

Sum-Insured Range & Plan Type

Reliance offers a wide range of sum-insured options, from basic coverage starting around ₹3 lakhs to high-value covers going up to ₹5 crore, depending on the plan you choose.

Basic vs Premium Plan Benefits

Entry-level plans focus on standard hospitalisation, while higher-tier plans offer better room rent eligibility, ICU coverage on actuals, wellness benefits, and broader treatment limits.

Day-care, Domiciliary & AYUSH Treatment Coverage

Some plans include extensive day-care procedures, home-care (domiciliary) treatment, and AYUSH treatments, while others restrict these to select procedures.

Optional Add-ons and Riders

Reliance allows add-ons such as OPD cover, maternity benefits, accidental hospitalisation, critical illness cover, and global treatment options to enhance the base policy.

Sum-Insured Restoration Benefits

Premium plans offer features like unlimited or multi-time sum-insured restoration when the base cover is consumed, allowing extra financial protection in the same policy year.

Family Floater vs Individual Plans

Coverage varies based on whether the plan is individual or floater. Under a floater, the sum insured is shared among family members, affecting how claims are utilised.

Global / International Treatment Coverage

Some advanced Reliance plans include worldwide hospitalisation coverage, expanding protection beyond India for planned or emergency treatments overseas.

Sum-Insured Range & Plan Type

Reliance offers a wide range of sum-insured options, from basic coverage starting around ₹3 lakhs to high-value covers going up to ₹5 crore, depending on the plan you choose.

Basic vs Premium Plan Benefits

Entry-level plans focus on standard hospitalisation, while higher-tier plans offer better room rent eligibility, ICU coverage on actuals, wellness benefits, and broader treatment limits.

Day-care, Domiciliary & AYUSH Treatment Coverage

Some plans include extensive day-care procedures, home-care (domiciliary) treatment, and AYUSH treatments, while others restrict these to select procedures.

Optional Add-ons and Riders

Reliance allows add-ons such as OPD cover, maternity benefits, accidental hospitalisation, critical illness cover, and global treatment options to enhance the base policy.

Sum-Insured Restoration Benefits

Premium plans offer features like unlimited or multi-time sum-insured restoration when the base cover is consumed, allowing extra financial protection in the same policy year.

Family Floater vs Individual Plans

Coverage varies based on whether the plan is individual or floater. Under a floater, the sum insured is shared among family members, affecting how claims are utilised.

Global / International Treatment Coverage

Some advanced Reliance plans include worldwide hospitalisation coverage, expanding protection beyond India for planned or emergency treatments overseas.

How to Choose

How to Choose the Right Health Insurance Coverage

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What is the Waiting Period in Reliance Health Insurance?

A waiting period is the duration after your policy begins during which certain illnesses, treatments, or pre-existing conditions are not eligible for claims. Accidental hospitalisation is usually covered from day one.

Initial Waiting Period

Most illnesses (except accidents) have a 15–30 day waiting period from the policy start date. Claims for these conditions cannot be made during this time.

Pre-Existing Disease (PED) Waiting Period

Health conditions you already have before buying the policy are covered only after up to 36 months of continuous coverage. Some Reliance plans offer add-ons that reduce this to 12–24 months.

Specific Illness / Procedure Waiting Period

Treatments like hernia, joint surgeries, cataract, and other listed procedures generally have a 24-month waiting period depending on the plan.

Maternity & Newborn Waiting Period

Plans that include maternity or newborn benefits usually come with a waiting period between 12 and 24 months. Coverage may vary depending on the policy type.

Optional Cover Waiting Periods

Add-ons such as OPD, critical illness riders, and dental benefits have separate waiting periods that usually range from 12 to 24 months.

Accidental Hospitalisation

Any emergency or accident-related treatment is covered immediately from the first day of the policy.

Initial Waiting Period

Most illnesses (except accidents) have a 15–30 day waiting period from the policy start date. Claims for these conditions cannot be made during this time.

Pre-Existing Disease (PED) Waiting Period

Health conditions you already have before buying the policy are covered only after up to 36 months of continuous coverage. Some Reliance plans offer add-ons that reduce this to 12–24 months.

Specific Illness / Procedure Waiting Period

Treatments like hernia, joint surgeries, cataract, and other listed procedures generally have a 24-month waiting period depending on the plan.

Maternity & Newborn Waiting Period

Plans that include maternity or newborn benefits usually come with a waiting period between 12 and 24 months. Coverage may vary depending on the policy type.

Optional Cover Waiting Periods

Add-ons such as OPD, critical illness riders, and dental benefits have separate waiting periods that usually range from 12 to 24 months.

Accidental Hospitalisation

Any emergency or accident-related treatment is covered immediately from the first day of the policy.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under Reliance Health Insurance

Diseases Covered

Day-Care Procedures

Maternity & Newborn Care (Plan-Specific)

Infectious Diseases

Accidental Injuries

Critical Illnesses (Plan-Specific)

Lifestyle Diseases

Chronic Conditions (After Waiting Period)

Common Illnesses & Hospitalisation

Diseases Not Covered

Illnesses Within Waiting Period

War, Nuclear, or Hazardous Activities

Routine Dental & Vision Care

Unproven or Alternative Treatments

Self-Inflicted Injuries

Infertility & Assisted Reproduction

Cosmetic & Aesthetic Procedures

Undisclosed Pre-Existing Conditions

Diseases Covered

Day-Care Procedures

Maternity & Newborn Care (Plan-Specific)

Infectious Diseases

Accidental Injuries

Critical Illnesses (Plan-Specific)

Lifestyle Diseases

Chronic Conditions (After Waiting Period)

Diseases Not Covered

Illnesses Within Waiting Period

War, Nuclear, or Hazardous Activities

Routine Dental & Vision Care

Unproven or Alternative Treatments

Self-Inflicted Injuries

Infertility & Assisted Reproduction

Cosmetic & Aesthetic Procedures

Pre-existing Diseases

Pre-Existing Diseases Covered Under Reliance Health Insurance

Diabetes (Type 1 & Type 2)

Covers hospitalisation, complications, and related treatments after the pre-existing disease waiting period.

Hypertension (High Blood Pressure)

Includes treatment for heart, kidney, and BP-related complications once the waiting period is completed.

Thyroid Disorders

Hyperthyroidism and hypothyroidism treatments are covered after fulfilling the PED waiting period requirements.

Asthma & Chronic Respiratory Issues

Covers asthma, bronchitis, and other long-term lung conditions post-waiting period.

Heart-Related Conditions

Cardiac issues like coronary artery disease, arrhythmia, and post-angioplasty are eligible once PED rules are satisfied.

Arthritis & Joint Disorders

Osteoarthritis, rheumatoid arthritis, and other joint-related conditions are covered after the applicable waiting period.

High Cholesterol & Lipid Disorders

Treatment for high cholesterol, triglycerides, and lifestyle-related lipid disorders becomes claimable after the waiting period.

Gastrointestinal Conditions

Chronic digestive disorders such as ulcers, GERD, and IBS are included post-waiting period.

Kidney & Liver Disorders

Covers chronic kidney disease, fatty liver, and associated complications after the PED waiting period.

Other Declared Chronic Conditions

Any other long-term condition disclosed honestly at the time of policy purchase becomes eligible for coverage after the waiting period.

Diabetes (Type 1 & Type 2)

Covers hospitalisation, complications, and related treatments after the pre-existing disease waiting period.

Hypertension (High Blood Pressure)

Includes treatment for heart, kidney, and BP-related complications once the waiting period is completed.

Thyroid Disorders

Hyperthyroidism and hypothyroidism treatments are covered after fulfilling the PED waiting period requirements.

Asthma & Chronic Respiratory Issues

Covers asthma, bronchitis, and other long-term lung conditions post-waiting period.

Heart-Related Conditions

Cardiac issues like coronary artery disease, arrhythmia, and post-angioplasty are eligible once PED rules are satisfied.

Arthritis & Joint Disorders

Osteoarthritis, rheumatoid arthritis, and other joint-related conditions are covered after the applicable waiting period.

High Cholesterol & Lipid Disorders

Treatment for high cholesterol, triglycerides, and lifestyle-related lipid disorders becomes claimable after the waiting period.

Gastrointestinal Conditions

Chronic digestive disorders such as ulcers, GERD, and IBS are included post-waiting period.

Kidney & Liver Disorders

Covers chronic kidney disease, fatty liver, and associated complications after the PED waiting period.

Other Declared Chronic Conditions

Any other long-term condition disclosed honestly at the time of policy purchase becomes eligible for coverage after the waiting period.

Customize Plan Options

How to Customize Reliance Health Insurance for Maximum Coverage

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Reliance Health Insurance & Coverage Benefits

Related Health Insurance Plans

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Coverage & Benefits

Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Claim Settlement

FAQs Frequently Asked Questions

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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