Reliance General provides a wide variety of services targeting its various customer segments at large. Health insurance remains to be a continued priority for most of the citizens hence the flexibility plays a huge role when it comes to buying an insurance plan. Most of the plans offered are new-age and designed to be customized so that customers can reap maximum benefits out of the offerings.  

Here are the top insurance policies offered by Reliance General:

Individual Plans

• Motor Insurance
• Travel Insurance
• Home Insurance
• Health Insurance
• Office Insurance

Corporate Plans

• Fire Insurance
• Engineering Insurance
• Liability Insurance
• Package Insurance
• Marine Insurance

Small and Medium Enterprises Insurance Plans

• Fire Insurance
• Marine Insurance
• Group Mediclaim Insurance
• Burglary & House breaking
• Package Insurance

Reliance General Individual Plans

The General Health Insurance Plans are having a vast coverage backed by the superior quality of services provided by the insurer to the beneficiary. They have revolutionized the insurance industry by bringing in power packed innovative plans time and again apart from maintaining the consistency in providing smooth facilities to its existing customers.

Reliance Health Gain Policy

This plan provides one of the most comprehensive coverages including in-patient hospitalization costs, domiciliary expenses, donor expenses, pre & post hospitalization expenses for the individual as well as family covered under the plan. It also provides the benefits of family discounts on the premium rates and also an option to reinstate the sum assured once the base limit is exhausted.

One of the key features of this plan is that it provides an additional discount of 5% to independent women who intend on insuring independent female & girl child.

Criteria	Details
Entry age	5 years to 65 years
Entry & exit age for dependent children	91 days onwards up to 4 years (having at least one member above 21 years age in floater plan)
Co-payment	20% if the insured is more than 61 years of age
Renewability	Lifetime renewability
Pre-entrance medical check up	Medical check up is needed for people above 45 years of age and for those who have any critical illness the limit is 18 years of age
Sum insured	Between 3 to 9 lakhs

Reliance HealthWise Policy

The HealthWise Policy plan offers a comprehensive coverage but at a comparatively low cost. It is available on both individual and family floater basis. It offers complimentary benefits such as 4% discount for one daughter, 7% discount for two daughters and no claim discount of up to 20%.

There are three variants available here to choose from – standard, silver, and gold plan. The gold plan acts as an additional cover for critical illnesses. And also, the distinct feature of providing 7% discount for girl child.

Criteria	Details
Entry age	21 years to 65 years
Entry & exit age for dependent children	3 months and 21 years
Co-payment	There is no co-payment clause
Renewability	Lifetime renewability
Pre-entrance medical check up	It is mandatory for people over 45 years of age.   However, there is preexisting waiting period: Standard plan – 48 months Silver plan – 24 months Gold plan – 24 months
Sum insured	Rs. 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs and 5 lakhs

Reliance Personal Accident Policy

The need for a personal insurance is at an all time high as an unforeseen accident not only changes live drastically of the victim but also of the members associated with the victim’s life. The plan covers a wide range of expenses and is categorized as follows:

• Accidental Death Plan –
  Where insured loses their life after suffering from body injury due to an accident then 100% sum insured is paid to them
• Permanent Total Disability Plan –
  The permanent disability plan provides 100% coverage of sum assured in case the event of loss of two limbs or two eye sights or one limb and one eyesight as this fall under the area of major life altering disability. However, 50% sum insured benefit is provided if there is an event of loss of one limb and one eye. Under this plan – victim would be disabled to perform any or at least one of the below given actions:

• Unable to work – Means the insured would not be able to work in any employment or occupation during the course of his life ahead
• Loss of use of limbs or sight – A case of total or irrecoverable loss of use of two limbs or both of the eye sights or use of one limb and one eyesight
• Loss of Independent living – Difficulty or impossibility of performing three or more of the below routine tasks of the daily life–

• Dressing
• Washing
• Mobility
• Toileting
• Feeding

Under Temporary total disability plan:

1% of sum assured will be paid every week total sum not exceeding Rs. 5000 per week for a minimum of 100 weeks.

As an add on coverage under this plan – Carriage of mortal remains is also included (A total lumpsum payment of 2% of capital sum insured will be borne by the insurer for accidental death outside the residence – Rs. 2500 maximum limit for transportation charge. If additional premium is paid then the plan can be extended to cover medical expenses. The benefit is provided either up to 40% of the compensation paid for the settlement of a claim made or 20% of the said sum insured (whichever is lesser).

Individuals aged between 5 years to 70 years are covered under this plan and this is even available to employees of any organization/institution/club or society.

Exclusions under this plan:

The below are the applicable exclusions from this plan-

• Compensation due to death or disablement arising out of –
  • Suicide or attempted suicide
  • War and nuclear perils
  • Radiation or radioactivity
  • Pregnancy and/or childbirth
• Any claims made during the tenure which exceed the sum insured limit
• Suicide or self-inflicted injury irrespective if the person is sane or insane.

Reliance General Critical Illness Plan

The core aim of the plan is to provide required financial assistance against life threatening and disabling diseases. The features of the plan are as follows: The major critical illnesses covered under this plan are:

• Cancer
• Major organ transplant
• Aorta graft surgery
• Third degree burns
• Total blindness
• Multiple sclerosis
• Coma of a specified severity
• Heart Valve replacement or repair
• End stage renal disease requiring diagnosis

Payouts are given if the insured happens to survive 30 days post diagnosis of life-threatening illness and 60 days in case of life disabling illness.

Criteria	Details
Entry age	18 years to 65 years
Co-payment clause	No co-payment clause
Policy term	1 to 3 years
Renewability	Lifetime renewability
Pre-entrance medical check up	It is mandatory for people over 45 years of age.
Sum insured	Rs.5 lakhs, 7 lakhs or 10 lakhs

Reliance General Small & Medium Enterprises Insurance Plans

Reliance General Burglary & Housebreaking Plan

It has been specifically designed to provide coverage to SMEs to safeguard their businesses from house breaking and burglary. It protects the property and keeps its content safe.

Reliance General Group Mediclaim Insurance Plan- Attractive benefits are offered at a reasonable cost under this plan to protect the health of employees of an enterprise. It is customizable depending upon the homogenous qualities of the people in the same group and bulk discounts are also provided to the employers.

Reliance General Fire and Marine Insurance Plans- It provides coverage to SMEs for storage risks along with industrial and manufacturing risks. There is a general worldwide coverage under these plans.

Best policies of Reliance General Insurance

Reliance General Insurance caters to a wide range of life insurance and wealth management plans. The key details of the best policies of Reliance General Insurance are listed in the table below:

	Plan type	Entry age (min)	Minimum sum assured	Policy term
Overseas Travel	Travel Insurance	6 months to 60 years	Individual: Up to 500000   Family: Up to 100000	Up to 182 days
Schengen Travel	Travel insurance	3 months to 90 years	Up to 50000	Up to 180 days
Asia Travel	Travel insurance	3 months to 60 years	Up to 30000	Up to 30 days
Annual Multi trip	Travel insurance	18 years to 90 years	Up to 500000	Up to 365 days
Senior Citizen Travel	Travel insurance	61 years to 90 years	Up to 500000	Up to 180 days
Student Travel	Travel insurance	16 years to 35 years	Up to 500000	Up to 2 years
Two-Wheeler Insurance	Bike Insurance	Above 21 years	Up to 15 lakhs	Up to 3 years

Travel Insurance Coverage:

• Medical expenses
• Loss of passport
• Total loss of check in baggage
• Trip Delay
• Personal liability
• Hijack distress allowance
• Bail Bond
• Sponsor protection
• Financial emergency assistance