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Details :
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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:
Hospitalisation Expenses - Expenses incurred towards-
• Hospital (room, boarding and operation theatre)
• Doctors & nurses
• Medical tests
• Medicines, blood, oxygen, appliances etc.
Day Care Treatment - Medical expenses towards specific technologically advanced day care treatments/surgeries where 24 hours of hospitalisation is not required.
Domiciliary Hospitalisation - All expenses related to a medical treatment, which is being administered at home, subject to specific conditions applicable.
Pre and Post Hospitalisation - Medical expenses related to your treatment before and after hospitalisation for a specified number of days.
Pre-Existing Diseases - Coverage of pre-existing diseases after two/four continuous renewals with us.
Critical Illness - Your Sum Insured is automatically doubled separately for treatment of Cancer, Coronary artery bypass surgery, First heart attack, Kidney failure, Multiple sclerosis, Major organ transplant, Stroke, Aorta graft surgery, Paralysis and Primary pulmonary arterial hypertension.
Donor Expenses - All hospitalisation expenses incurred by the Donor in case of major organ transplant are covered.
What are the value added benefits available?
Your Reliance HealthWise Policy offers a host of value added benefits, depending on the Plan opted by you. These include:
• Daily Hospitalisation Allowance for a maximum period of seven days.
• Nursing Allowance for a maximum period of five days, on recommendation of the treating Medical Practitioner.
• Reimbursement of charges towards Local Road Ambulance Services.
• Recovery Benefit of Rs. 10,000/- in case of hospitalisation for more than ten consecutive days.
• Expenses of an Accompanying Person at the Hospital/Nursing Home for a maximum of five days.
• Cost of Health Check up at the end of a block of four years, provided there were no claims reported.
What are the additional features of this Policy?
• Family Floater - Covers your family on a floater basis applicable to a maximum of four persons comprising of you, your spouse and two dependent children under the age of 21 years. Example- If Mr. Sharma and his family choose a regular health insurance plan with Rs. 1 lakh Sum Insured each; they would have to pay individual premiums for each member of the family. In addition, the cover for each Insured member would be only up to one lakh, even if the treatment costs beyond Rs. 1 lakh. But, if they take a Policy of Rs. 3 lakhs for the entire family under a floater Plan offered by Reliance HealthWise Policy, anyone from the family can claim up to Rs. 3 lakhs.
• Renewal Discounts - Equivalent to 5% of renewal premium, if there are no claims in the previous year.
• Income Tax Benefit - Premium eligible for deduction under Section 80 D of the Income Tax Act.
Who are covered under the Policy?
• Children above the age of three months and adults below the age of 65 years.
• Children between three months and five years can be covered only if one or both the parents are covered.
• Maximum age to enter the Plan is 65, 60 and 55 for Standard, Silver and Gold Plan respectively.
Particulars Standard Silver Gold
Basic Feature Hospitalisation
Domiciliary Hospitalisation
Pre Hospitalisation 30 days 60 days 60 days
Post Hospitalisation 60 days 90 days 90 days
Pre-Existing Diseases Coverage after 4th year after 2nd year after 2nd year
Critical Illness (with separate Double Sum Insured) x x
Donor Expenses x
Day Care Treatment
Value Added Feature Daily Hospitalisation Allowance x x
Nursing Allowance (per day amount) x Rs. 250/- Rs. 300/-
Local Road Ambulance Service
(maximum of) Rs. 500/- Rs. 750/- Rs. 1000/-
Recovery Benefit x x
Expenses on accompanying person (per day amount) Rs. 200/- Rs. 250/- Rs. 300/
Cost of Health Check up
Policy Options
Choose your plan -You may choose any of the following plans
• Reliance HealthWise Policy - Standard
• Reliance HealthWise Policy - Silver
• Reliance HealthWise Policy - Gold
Two-Year Policy - Continuous coverage for two years without the hassles of annually renewing your Policy.
Wide range of Sum Insured
• Standard - 1 lakh to 5 lakhs
• Silver - 1 lakh to 5 lakhs
• Gold - 1 lakh to 5 lakhs |
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| Posted on : 18-Jan-2008 | Viewed : 44 times |
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