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Health Insurance benefits
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RGICL has brought out three different plans – Plus, Power and Prime – and an array of features to facilitate the customisation of policy for each customer. With this launch, Reliance General aims to address the evolving and unique medical needs of modern-day customers of all age groups.
Key benefits and features:
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* Double Cover on same claim
* Unlimited reinstatement of Base Sum-insured
* Guaranteed Cumulative Bonus
* Reduce Pre-Existing Disease Waiting Period
* Modern Treatment up to 100% of sum insured
* Wide sum-insured option 3 lakhs to ₹1 crore
* Hospital Cash & Consumable Cover
* Upgrade hospital room rent limits
* Loyalty benefits on Year-on-Year renewal (over and above sum insured limit)
* Covers up to 12 family members in the same family floater policy
Reliance Health Gain comes loaded with 38 industry-leading features like Double Cover that provides twice the amount of sum insured to be used during the same claim; Unlimited reinstatement to restore the base sum insured amount as many times as it gets exhausted during a policy year; Guaranteed Cumulative Bonus, that protects loss of cumulative bonus post claim; or the benefit to reduce Pre-Existing disease waiting period from 3 years to 2 or even 1 year. With many more such benefits, the product has been designed keeping in mind the modern health-insurance consumer.
Whether aspirer, affluent or elite – this specially designed policy offers wide range of sum-insured options from 3 lakhs to Rs 1 crore creating an appeal for all-income groups. Customers between the age of 18 to 65 years have the options to pick and choose any features at any sum-insured. Besides, there is no age limit in this policy for a sum-insured of up to ₹3 lakhs.
Hence, senior citizens who are sometimes devoid of a medical policy can easily opt for Health Gain for protection. Additionally, the policy offers a unique feature wherein a customer can cover a family of up to 12 including extended family members like father-in-law/ mother-in-law in the same family floater policy, enabling joint families/Hindu Undivided Families (HUF) to opt for a floater policy that fits all in the family.
The policy has further introduced unique discounts like rewarding healthy customers under 50 years i.e., without any pre-existing condition, with a 15% discount on premium for buying a long term 2/3-year policy.
Promoting support towards young women, customers can also avail of a 5% discount for insuring a girl child or if the proposer is female. Reliance Health Gain Policy also comes with a Zone-wise pricing model to ensure that customers pay premiums only as per the average medical cost of the city/town they live in.
The policy plan is built in a way that gives customers the independence to choose what they want, and pays for only what they choose, thus redefining a new way of buying health insurance in the country and making it extremely cost-effective for the masses.
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