Main Highlight of the plan
This is a basic plan which offers benefits like no-claim bonus, pre and post hospitalization expenses, etc.
Scope of cover
Note: Pre-policy medical check-up are required for individuals above 45 years of age and for any individual with medical history.
Coverage: Benefits & Features
Most Important
ROOM RENT/ ROOM CATEGORY
This plan does not have any limit on room expenses.
CO-PAYMENT
This plan does not have co-payment clause.
NO-CLAIM BENEFITS
In this plan no-claim bonus equal to 5% of basic sum insured up to a maximum of 20 % is available for each unclaimed year.
Good to have
PRE/POST HOSPITALIZATION
30 days of pre-hospitalization and 60 days of post hospitalization are provided in this plan.
RESTORE BENEFITS
This plan does not offer restore benefit.
HEALTH CHECK-UP
This plan offers health check-up benefit up to 1% of the sum insured on individual basis and 1.25% of sum insured on family floater basis every 4 claim free year.
Value Adds
AMBULANCE CHARGES
This plan provides coverage for local ambulance expense up to INR 500.
EYE COVER
This plan does not cover expenses for eye treatments.
DOMICILIARY HOSPITALIZATION
This plan offers coverage up to sum insured for any domiciliary treatment which exceeds 3 days of hospitalization. The coverage for domiciliary treatment does not include pre and post domiciliary hospitalization expenses.
Note: Some diseases listed in the policy wording are not covered under this benefit.
OUTPATIENT BENEFITS
This plan does not cover out-patient treatment expenses.
CRITICAL ILLNESS COVERAGE
This plan does not have additional cover for critical illnesses.
ALTERNATIVE PRACTICE
This plan offers coverage to Ayurvedic treatments.
DENTAL COVER
This plan does not cover expenses on dental treatments.
DAILY CASH
This plan provides daily cash allowance after more than 3 days of hospitalization. For accompanying an insured person, daily cash allowance up to INR 200 is provided.
ORGAN DONOR COVER
This plan offers coverage up to sum insured for medical expenses in case of major organ transplant.
CONVALESCENCE BENEFIT
This plan offers convalescence benefit up to sum insured after 10 days of hospitalization.
MATERNITY COVER
This plan does not cover maternity expenses.
Exclusions
A cooling off period of 30 days is applicable on buying a policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of the health insurance policy.
Waiting period of 1 years is applicable for specified ailments. Refer to the policy wordings for the list of these specified ailments.
Waiting period of 4 years is applicable for pre-existing diseases.
PERMANENT EXCLUSIONS
Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self inflicted injuries, war related injuries, etc are some of the permanent exclusions. For the detailed list of please refer the policy document.
Review of Reliance HealthWise Plan
Standard health insurance plan from Reliance General. The plan has no room rent limits, no copay across all benefits.
"Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings."
