Reliance Individual Mediclaim Insurance Policy
Availability of the best medical care is rare today. On the
other hand your family sure deserves the best possible as far as this is concerned.
Medical expenses are so high these days that somewhere or the other one needs to
compromise on the medical care that he is able to offer to his family. But now,
there is not much to worry. Reliance has for you a way to ensure financial securities
and relieve you of all the worries when it comes to the safety of your near and
dear ones.
Reliance Mediclaim Insurance Policy covers you and your family for hospitalisation
and related expenses which can be insured to all your family members who are between
5 to 80 years of age. A goodie point that is gained is, with
health insurance you not only protect your family but also can avail of
tax benefits under Section 80D of the Income
Tax Act.
The policy covers pre-hospitalisation expenses for 30 days and post hospitalisation
expenses for 60 days along with providing you with a health cover for technologically
advanced treatment that does not require a 24 hour admittance. Cost of anaesthesia,
blood, oxygen, surgical appliances, medicine and drugs, diagnostic material and
X-rays, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs and organs
is also covered. Not only this, there are many more advantages that are sure to
lure you away to this policy there by ensuring that you and your family receive
the best of treatment when it comes to medical care.
Features
Hospitalisation Care for the Family
- Reliance Mediclaim Insurance Policy covers you and your family for hospitalisation
and related expenses.
- Family members between the ages of 5 and 80 years can be covered.
- The policy also provides health insurance for children between the ages of 3 months
and 5 years if one of the parents is covered concurrently.
Claim-Free Bonus
- We reward you with a no-claim bonus of 5% on every claim-free renewal. This can
be accumulated up to a maximum of 50%.
Tax Advantage
- With health insurance you not only protect your family but also can avail of tax
benefits under Section 80D of the Income Tax Act.
Policy
Coverage
Reliance Mediclaim Insurance Policy will cover various hospitalisation expenses.
- Hospitalisation Expenses. These include room charges and operation
theatre charges, nursing expenses, fees of medical practitioner, anaesthetist and
consultants.
- Medicine, Consumables and Diagnostic Expenses. Cost of anaesthesia,
blood, oxygen, surgical appliances, medicine and drugs, diagnostic material and
X-rays, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs and organs.
- Day Care Treatment. The policy will cover expenses incurred towards
technologically advanced treatment that does not require hospitalisation for 24
hours or more.
- Domiciliary Hospitalisation. We also provide cover for treatment
administered at home, subject to specified conditions.
- Pre- and Post-Hospitalisation. Reliance Mediclaim Insurance Policy
covers medical expenses for treatment up to 30 days before and up to 60 days after
the hospitalisation.
Value
Added Benefits
Reliance Mediclaim Insurance Policy offers you value-added benefits to give you
extra cushioning and added cover.
- The policy will cover pre-hospitalisation expenses for 30 days and post-hospitalisation
expenses for 60 days.
- It also provides you with health cover for technologically advanced treatment that
does not require 24-hour hospital stay.
- No medical check-up upto the age of 45.
- Free medical check-up after 4 claim-free renewals.
Exclusions
At Reliance General Insurance, we would like our policy to be as transparent as
possible.
To ensure that you do not face any unpleasant surprises when you make a claim, we
would like you to know some of the major exclusions under the policy. This policy
does not cover:
- Any pre-existing illness
- Specified illnesses for the first year
- Specified illnesses in the case of domiciliary hospitalisation.
- Any treatment for the first 30 days from the time of inception of policy, unless
due to an accident.
- Treatment related to HIV / AIDS
- Treatment due to abuse of alcohol or intoxicants.
- Vaccination and inoculation.
- Nuclear and war perils.
- Naturopathy treatment.
Eligibility
The policy can be issued to:
- Persons between 5 years and 80 years of age
- Children between 3 months and 5 years if one or both parents are covered concurrently