Reliance General offers new health insurance policy

Mumbai: Reliance General Insurance has launched Reliance Healthwise - a health insurance policy covering hospitalisation expenses, day-care treatment and critical illness along with a cover against hospitalisation expenses incurred by a donor in case of major organ transplant.

Available in three plans - Standard, Silver and Gold - the premium for a couple for a cover of Rs 1 lakh would be Rs820 (Standard Plan), Rs900 (Silver) and Rs1,000 (Gold). Depending on the plan opted by the policyholder, Reliance Healthwise Policy will offer variable features.

Pre-existing diseases are covered from third year onwards in Gold and Silver plans. In case the insured person contracts any of the nine critical illnesses mentioned in the policy, the sum insured under the policy is doubled to meet hospitalisation expenses.

If a person wishes to cover his entire family, he can choose the Family Floater Option. In case of an emergency, the sum insured is made available to each member unlike policies where the total cover may be, say Rs4 lakh, but is spread as Rs1 lakh on four members and no individual member can avail benefit beyond Rs1 lakh.

Other benefits are daily hospitalisation allowance for a maximum period of seven days, nursing allowance for a maximum period of five days, reimbursement of charges towards local road ambulance services, recovery benefit of Rs10,000 in case of hospitalisation for more than ten consecutive days, allowance towards expenses of an accompanying person at the hospital/ nursing home for a maximum of five days and reimbursement of cost of health check-up at the end of a block of four years, provided there were no claims reported.