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Reliance Medical Insurance |
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Individual Mediclaim Insurance Policy
Introduction
This policy covers hospitalisation and domiciliary hospitalisation expenses incurred by the Insured (including family members) for illness / disease or accidental injury and shall include hospital charges (room & boarding and operation theatre), fees of surgeon, anesthetist, nurses, cost of medicine, oxygen, blood, cost of appliances like pacemaker, artificial limbs and cost of organs.
Scope of Cover
• The Policy offers the feature of Third Party Administrator services.
• The Policy covers illness / disease or accidental injury leading to expenses of various types referred to above.
• Hospitalization expenses and domiciliary hospitalisation expenses referred to above shall be subject to a maximum of the sum insured at inception of the policy.
• The Policy covers individuals aged between 5 and 75 years. However, children aged between 3 months and 5 years can be covered if one or both parents are covered concurrently.
• Exemption under section 80 (D) of the Income Tax Act, 1961 is presently available for premium paid by cheque.
• The Insured is entitled to reimbursement of the cost of medical check-up once at the end of a block of every four underwriting years provided there were no claims reported during the block. The cost so reimbursable shall not exceed an amount equal to 1% of the average sum insured during the block of four underwriting years.
• The sum insured under the policy shall be progressively increased by 5% in respect of each claim free year of insurance subject to a maximum accumulation of 10 claim free years of insurance. In the event of a claim under the policy in respect of an Insured Person who has earned any cumulative bonus, the increased sum insured will be reduced by 10 % at the time of renewal. However, the basic sum insured will be maintained at all times.
Group Mediclaim Insurance Policy
A Group Hospitalisation Policy is available to any Body Corporate / Association / Institution / Group constituted of more than 50 persons.
The policy covers individuals aged between 5 and 75 years. However, children aged between 3 months and 5 years can be covered if one or both parents are covered concurrently.
The policy covers
The policy covers hospitalisation and domiciliary hospitalisation expenses incurred by the employees/members (including family members) of the Insured for illness/disease or accidental injury and shall include hospital charges(room & boarding and operation theatre), fees of surgeon, anesthetist, nurses, cost of medicine, oxygen, blood, cost of appliances like pacemaker, artificial limbs and cost of organs.
The policy provides for following extensions
The policy can be extended to cover Maternity Benefits subject to the condition that all employees/members of the Insured are covered under this extension. Maternity Benefits have to be availed of at inception of the policy. The maximum allowable of Maternity Benefits shall be Rs. 50,000/- or the sum insured opted by the employee/member, whichever is less.
Reliance HealthWise Policy
Introduction
Seeing your family in the pink of health ranks highest in priority for you. Yet, despite your best efforts, illnesses do occur. With the spiraling cost of health care, these unforeseen circumstances can take a toll on your savings. To ensure that you don't need to spend your hard earned money on treatment of any such illness; we have a Policy that offers you all the financial support that you need.
Key Advantage
For the first time in India, Critical Illnesses are also covered as part of your Health Insurance Policy.
• A separate Double Sum Insured is automatically available as soon as any of the listed critical illnesses is diagnosed.
• 24 hours cashless facility at more than 3000 network hospitals.
• Income Tax benefits under Section 80 D.
• Options in duration of coverage - 1 year/2 year policies available.
• Family Floater benefit giving comprehensive protection to your family members under one single Policy.
• Discount on renewal premium for claim free policy.
• Coverage of pre-existing conditions after 2 years/4 years as per plan opted.
What does this Policy cover?
Depending on the Plan opted by you, your Reliance HealthWise Policy covers:
Hospitalization Expenses - Expenses incurred towards-
• Hospital (room, boarding and operation theatre)
• Doctors & nurses
• Medical tests
• Medicines, blood, oxygen, appliances etc.
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