Reliance Health Global

16 December 2023, Mumbai, India

Reliance Health Global: A Revolutionary Health Insurance Policy

Reliance General Insurance Company Limited, a part of the renowned Reliance Group, has unveiled its latest offering, Reliance Health Global, marking a significant advancement in health insurance. This new policy extends comprehensive health coverage not only within India but also globally, revolutionizing the concept of health insurance.

Reliance Health Global stands out as a health policy without borders, providing protection worldwide, including in India. This policy is a testament to Reliance General Insurance’s commitment to adapting to the evolving needs of its clientele, who seek superior health coverage beyond geographical limitations.

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Here is a tabular summary of the key benefits offered by Reliance Health Global:

Benefit	Description
In-Patient Treatment	Includes ambulance and organ donor expenses up to the Sum Insured (S.I)
Day Care Treatment	Pre and post-operative day care treatment within S.I
Rehabilitation (Accident only)	Up to USD 2300 within S.I
Travel Expenses	For worldwide including US/Canada: Up to USD 7000 total for insured companion and living donor (within S.I)
Accommodation Expenses	For worldwide including US/Canada: Up to USD 350 per day; for worldwide excluding US/Canada: Up to USD 250 per day; both within S.I max up to 60 days.
Repatriation of Mortal Remains	Up to USD 15000 within S.I
Second Opinion	Within S.I
Optional India Coverage	Offers sum insured combo for global and India plans, covering all illnesses including specified illnesses (For Gene Therapy: Sublimit of 50% of India Base Sum Insured)
India Cover (Basic Comprehensive)	Includes in-patient treatment, day care treatment, road ambulance, air ambulance, domiciliary hospitalization, modern treatment, pre & post hospitalization, organ donor expenses, rehabilitation, and more.
Health Check-up	Up to INR 10000 every 2 years starting at the beginning of year 2.
No Claim Bonus	25% increase in India Base S.I for every claim-free year, max up to 100% of Base S.I, and 25% decrease for every claim year.
Inflation Protection	8% increase in India Base S.I at the end of each Policy Year, max up to 100% of Base S.I.
Unlimited Reinstatement	On subsequent claim, unlimited reinstatement of India Base S.I on related or unrelated illness or injury.
Tele-consultation and Other Assistance Services	Includes booking of health check-ups, arrangement of nurse at home, and emergency helpline.
Discounts	Cross-sell discount, family discount, long term discount, discount for issuance mode and employee sourcing, waiver of co-payment, and voluntary co-payment options.
Policy Period Options	1, 2, or 3 years.
Waiting Periods	Initial waiting period for global coverage and India coverage, PED waiting, specific waiting periods for various treatments.
Exclusions	Investigation & evaluation, rest cure rehabilitation and respite care, obesity/weight control, change-of-gender treatments.
Policy Cancellation	Details available in the policy wording.
Specified Illnesses	No sub-limits for treatments like cancer treatment, coronary artery bypass surgery, heart valve replacement or repair, neurosurgery, donor organ transplant, bone marrow transplant, etc.
Global Claim Assistance	Arrangement of medical consultation and treatment process, including travel and accommodation, visa assistance, and other support services.

This table encapsulates the comprehensive range of benefits and features that make Reliance Health Global a versatile health insurance option for global and local coverage.

Key Features of Reliance Health Global:

1. High Sum Insured: The policy offers a substantial sum insured, with coverage extending up to USD 1 Million, ensuring ample financial support for various medical needs.
2. Comprehensive Treatment Coverage: Whether it’s for specified illnesses like cancer, bypass surgery, or all-encompassing illnesses and injuries, the policy has it covered.
3. Daycare Treatments: Both pre and post-operative daycare procedures are included within the sum insured, providing peace of mind for smaller, yet significant medical procedures.
4. Room Rent and Consumables: Policyholders have the flexibility to choose their recovery room and are assured that expenses for consumables are taken care of within the sum insured.
5. Inpatient Rehabilitation: In case of accidents, the policy covers inpatient rehabilitation expenses, including speech, occupational, and physical therapies, up to a specified USD.
6. Travel and Accommodation for Companion and Donor: Understanding the need for support during treatments, the policy covers travel and accommodation expenses for insured companions and living donors.
7. Concierge Services: A range of assistance services, including visa and documentation expenses, lost passport assistance, consular referral, arrangement of radio taxi or chauffeur services, and emergency cash assistance, are all part of the package.
8. Optional India Coverage: Policyholders can opt for additional coverage in India, with plans offering various sum insured options ranging from ₹1.5 Crores to unlimited coverage.
9. Additional Benefits: The policy includes various other benefits like repatriation of mortal remains, second opinion services, no limit assistance services, and health check-ups.
10. Flexible Payment and Co-payment Options: Options like waiver of co-payment for insured individuals over 61 years and voluntary co-payment choices provide flexibility to policyholders.
11. Change in Pre-Existing Disease (PED) Waiting Period: The policy allows for a change in the PED waiting period, offering flexibility to cater to individual medical histories.
12. Eligibility and Policy Types: The policy caters to individuals and families, with entry ages ranging from 91 days to 65 years and no exit age, ensuring wide accessibility.
13. Policy Period Options: Policyholders have the option to choose policy periods of 1, 2, or 3 years, providing flexibility in coverage duration.
14. Waiting Periods: The policy includes initial waiting periods for claims under both global and India coverage, with specific waiting periods for various treatments and procedures.
15. Exclusions: Certain treatments and procedures, such as investigation & evaluation, obesity/weight control, and change-of-gender treatments, are not covered under the policy.
16. Cancellation Policy: Details regarding policy cancellation are available in the policy wording, ensuring transparency for policyholders.
17. Support and Assistance: Reliance Health Global provides comprehensive support, including cashless claims assistance in India and global claim support, ensuring policyholders have assistance at every step.
18. Accessibility: The policy can be accessed and inquiries made through various channels, including the website, phone, WhatsApp, and through insurance advisors, making it convenient for customers to reach out.
19. Regulatory Compliance: The policy is registered under IRDAI Registration No. 103, adhering to the regulatory requirements and ensuring policyholder confidence.

Reliance Health Global is not just an insurance policy; it’s a comprehensive health care solution designed to meet the needs of a global citizen. With its expansive coverage, extensive benefits, and flexible options, it represents a significant leap in health insurance offerings, redefining the standards of healthcare protection.

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