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Reliance Healthwise-Standard
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Reliance Healthwise-Silver
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Reliance Healthwise-Gold
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KEY FEATURES
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Plan Type
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Individual & Family Floater
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Individual & Family Floater
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Individual & Family Floater
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Minimum Entry age
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Children - Age> 3months
Adults - Age < 65 years
Children between 3 months and 18 years can be covered only if one or both parents
are covered.
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Children - Age> 3months
Adults - Age < 60 years
Children between 3 months and 18 years can be covered only if one or both parents
are covered.
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Children - Age> 3months
Adults - Age < 55 years
Children between 3 months and 18 years can be covered only if one or both parents
are covered.
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Maximum Entry Age
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65 Years. Assured renewal till 75 years
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60 Years. Assured renewal till 75 years
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55 Years. Assured renewal till 75 years
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Pre-policy Health check-up
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Age>45 years
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Age>45 years
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Age>45 years
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No Claim bonus
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Yes
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Yes
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Yes
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Family discount
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-
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-
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-
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KEY BENEFITS
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Hospitalization Expenses
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Covered
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Covered
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Covered
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Domiciliary hospitalisation
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Limited to 10% of the Sum Insured opted by the Insured
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Limited to 10% of the Sum Insured opted by the Insured
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Limited to 10% of the Sum Insured opted by the Insured
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Room Rent
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No Limit
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No Limit
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No Limit
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ICU Charges
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No Limit
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No Limit
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No Limit
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Pre hospitalization expenses
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30 Days
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60 Days
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60 Days
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Post hospitalization expenses
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60 Days
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90 Days
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90 Days
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Ambulance charges
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Maximum of Rs. 500/-
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Maximum of Rs. 750/-
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Maximum of Rs. 1000/-
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Daily Allowance
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-
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-
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In addition to hospital expenses, where the hospitalization is for more than 3 days,
a daily hospital cash allowance of Rs 250 per day up to 7 days will be paid to cover
daily expenses starting from day 4 to day 10. However, in case of hospitalization
for critical illness, the said cash allowance will be paid up to 14 days.
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Nursing Allowance
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-
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Allowance towards charges for medical services of a nurse at the residence of Insured/Insured
Person or during the period they are hospitalized is payable provided they are confirmed
to be necessary by the attending medical practitioner and relate directly to the
disease, illness or injury for which the Insured/Insured Person has been hospitalized.
The allowance is payable at of Rs. 250/- per day for a maximum period of 5 days
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Allowance towards charges for medical services of a nurse at the residence of Insured/Insured
Person or during the period they are hospitalized is payable provided they are confirmed
to be necessary by the attending medical practitioner and relate directly to the
disease, illness or injury for which the Insured/Insured Person has been hospitalized.
The allowance is payable at Rs. 300/- per day for a maximum period of 5 days. However,
in case of listed critical illnesses the said reimbursement will be extended to
maximum 10 days.
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Recovery Benefit
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No
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No
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If in case a person is hospitalised for more than 10 days, a lump-sum of Rs. 10,
000 will be paid. This condition is applicable for all the members of the floater
separately irrespective of the number of occurrences during the Policy period subject
to overall limit of Sum Insured
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Expenses on accompanying person at the Hospital
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Subject to the Insured/Insured Person(s) being hospitalised for a period of 5 days
at a given time, an allowance towards expenses of accompanying person at the hospital
is payable at Rs.200 per day for a maximum of 5 days (i.e. from the 6th day to the
10th day of hospitalisation).
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Subject to the Insured/Insured Person(s) being hospitalised for a period of 5 days
at a given time, an allowance towards expenses of accompanying person at the hospital
is payable at Rs.250 per day for a maximum of 5 days (i.e. from the 6th day to the
10th day of hospitalisation).
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Subject to the Insured/Insured Person(s) being hospitalised for a period of 5 days
at a given time, an allowance towards expenses of accompanying person at the hospital
is payable at Rs. 300 per day for a maximum of 5 days (i.e. from the 6th day to
the 10th day of hospitalisation).
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Cashless facility
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Available
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Available
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Available
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Member Reimbursement
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Available
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Available
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Available
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Daycare procedures
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Covered
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Covered
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Covered
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Health check-up
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End of 4 claim free years
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End of 4 claim free years
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End of 4 claim free years
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Co-Payment
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-
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-
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-
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Deductible
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-
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-
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-
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Waiting period
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30 Days
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30 Days
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30 Days
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Pre-Existing Diseases
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4 Years
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2 Years
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2 Years
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Critical Illness(Separate Sum Insured)
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Additional Sum Insured Not Applicable
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Additional Sum Insured Not Applicable
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An additional amount equivalent to the Sum Insured opted under hospitalisation will
be available
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Organ Donor Cover
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-
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Hospitalisation expenses incurred towards the donor is covered in case of major
organ transplant within the overall limit of Sum Insured.
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Hospitalisation expenses incurred towards the donor is covered in case of major
organ transplant within the overall limit of Sum Insured.
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Auto-Recharge of Sum Insured
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No
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No
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No
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Care Anywhere(Worldwide)
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-
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-
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-
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Income tax benefit
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Section 80D
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Section 80D
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Section 80D
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