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Managing rising medical costs requires the right kind of support. Health insurance is a popular choice among individuals, families and groups. However, even with a health plan, the upfront costs can be too expensive for some income categories.
This is where cashless health insurance steps in.
With a cashless health plan, you can get quality treatments without the hassle of upfront payments. The convenience of cashless hospitalisation ensures you can focus on the recovery requirements instead of money management.
Reliance General Insurance offers a wide range of cashless medical insurance plans that promise affordability and peace of mind for handling emergencies better.
Cashless health insurance is any health insurance policy that allows you to get medical treatments without paying any expenses upfront. It allows you to receive quality healthcare services without any financial burden.
You no longer have to struggle to arrange urgent money to cover hospital costs. You just need to focus on getting the right treatment and recovery. After treatment is completed, the payment is settled by the insurer directly with the hospital on your behalf.
With this cashless hospitalisation convenience, your savings are protected during emergencies.
You compare different health insurance plans that offer a cashless claim option and buy one.
You enjoy comprehensive coverage offered by your chosen plan.
When an emergency takes place, rush to the nearest hospital and get support.
Submit a cashless insurance claim within 24 hours of the emergency.
After treatment is completed, the insurer will settle your medical bills directly with the hospital. You will not have to pay any upfront expenses.
Also Read - Cashless Medical Insurance - Benefits
Under the Reliance Cashless Health Insurance initiative, you can choose from a wide range of plans available at affordable premiums. The list of plans caters to individuals, families, groups and senior citizens.
Let's look at them below.
Previously, cashless hospitalisation convenience was limited to only a network hospital authorised by Reliance General Insurance.
However, in January 2024, after the General Insurance Council announced the “Cashless Everywhere" facility for everyone, we adopted this for most of our plans.
With this new initiative, you are no longer limited to cashless network hospitals to file a cashless claim. You can now easily request a cashless health claim at any hospital in India with Reliance General Insurance.
Also Read -What is Cashless Everywhere Facility?
The inclusions of cashless health insurance cover vary based on the type of cashless health plan you choose. However, the standard inclusions are as follows -
Room or ICU charges, surgeon fees, medicines, and other pre- and post-hospitalisation expenses.
Expenses related to the specific treatment.
Expenses for daycare procedures that do not require hospital admission.
Any ambulance fees incurred due to emergency transportation between home and hospital.
X-rays, blood tests, CT scans, MRIs, etc.
Some of the best cashless health insurance plans, such as the Reliance Health Infinity plan, cover expenses for robotic surgeries, brain stimulation treatment, and more
Expenses incurred for home treatments.
Covers treatment expenses related to Ayurveda, Siddha, Yoga, Homeopathy, Yoga and Unani.
We offer a wide range of health insurance policies under our Cashless Everywhere facility. This ensures extensive coverage for all your medical needs with cashless claim convenience.
Our cashless facility offers many different add-ons to help you personalise your chosen health plan. Once you customise the plan, you can file a cashless claim without any hassle.
With our plans, you can choose any hospital for treatment in India or globally. You are no longer limited to network hospitals for a cashless health claim.
Our quick online process allows you to file a cashless claim without any hassle. Moreover, you can easily track your health claims online to stay updated.
Our 100% claim settlement ratio ensures timely and efficient cashless claim settlements.
Get up to 50% off on premiums for every consecutive claim-free year at the time of renewal with our No Claim Bonus benefit.
Explore different discount schemes when you choose to buy any of our cashless health insurance plans. Get up to 35% off on cashless health insurance plans when you buy online.
Get instant resolution for any policy-related questions or claim queries from our dedicated customer support team.
The first step in the cashless health insurance process is to inform us by registering the claim using one of the following -
Call us at +91-22-4890-3009 (Paid)
Download our Reliance Self-i App on your mobile to file a claim.
Email us at rgicl.cashlesseverywhere@relianceada.com
Once you have done this, visit any hospital of your choice and submit the pre-authorisation form. For emergencies, submit this form within 24 hours and for planned treatments, submit it within 48 hours.
Collect all the applicable hospital bills, receipts, treatment documents, etc., with the hospital.
We will settle the bills directly with the hospital on your behalf as per your policy terms.
Duly filled and signed claim forms.
Prescription from the doctor on duty.
All medical reports.
Discharge documents.
Bills of medicines, diagnostic tests, etc.
Pre-authorisation form.
All other payment-related documents.
A cashless health card is crucial for treatments at network hospitals only. To begin treatment, this card must be submitted along with the “Cashless Request Form" at the hospital reception.
A copy of your health insurance cashless card is needed at the time of hospital admission. So, you must keep the copy and original card with you to avoid treatment or claim delays.
You can visit our website to get an online cashless health card in just a few minutes. These are the steps to follow -
Visit our website and select the “Self-Help" option from the top right.
Then, select “Health" and then click on “Download Health Card" to proceed.
On the new page, add your cashless health insurance policy number and select “Confirm".
Enter the requested details on the next page, then download and print your R Card to file cashless claims at any of the network hospitals.
Your claim can be rejected if you do not update us about pre-existing conditions when you buy cashless health insurance or until the waiting period is over.
Providing inaccurate information on your claim form will result in instant cashless claim rejection. Thus, you must carefully check all the information you add to the form before submission.
Filing for claims that are not included in your policy or are not true can result in instant claim rejections.
Filing any claim with an invalid cashless mediclaim insurance policy will lead to claim rejection. Moreover, you will risk losing coverage due to delayed renewal.
If you delay notifying us of an online cashless health claim, your claim settlement can be delayed or rejected based on the policy terms.
All premiums towards health insurance policies are eligible for tax deductions. Thus, when you choose a cashless health insurance policy, you can avail yourself of tax deductions under Section 80D of the Income Tax Act.
Here is all you need to know.
Up to ₹75,000
(₹50,000 - Parents and ₹25,000 - family)
Up to ₹1,00,000
(₹50,000 - Parents and ₹50,000 - family)
You must understand your coverage needs properly and then compare different cashless health insurance plans. This will help you find a plan that offers extensive coverage within your budget.
Once you have compared different cashless medical insurance plans, buy the one that allows you to make cashless claims easily. Your choice of plan must also be based on policy inclusions and waiting periods.
Ensure you check the policy exclusions before purchasing any cashless health plan. This will help you choose the right plan and reduce the risk of cashless claim rejections.
Choose your insurer also wisely. Check the insurer's market image and claim settlement ratio to ensure you get timely claim settlements without too much hassle. Reliance General Insurance's claim settlement ratio is 100% for FY 2023-24.
Look for an insurer that offers the convenience of filing and tracking claims online. This will reduce the time and effort required to file a cashless claim during emergencies. Our user-friendly website offers a 2-minute claim process for quick settlements.
You must choose an insurer and policy that promises 24/7 customer support. This ensures that all your doubts and questions are resolved quickly so that you can file a claim on time.
Please take some time to read the policy document. This will help you understand the details of the chosen policy, from terms and conditions to waiting periods and available add-ons.
A cashless health insurance policy allows you to get the necessary medical treatment without paying upfront expenses. You can file a cashless claim at any network or non-network hospital and get the treatment done. Once it is over, we will pay the hospital on your behalf.
No, there is no compulsory rule for buying a health insurance policy. However, with the increasing healthcare costs, it is recommended that you save yourself and your health with the right health insurance plan.
To find network hospitals, you can follow the steps mentioned below -
Visit our website and select “Self-Help".
Click on “Health" and select “Network Hospitals" under “Locator".
On the new page, enter the requested details to find the closest network hospital. Please note that you can file a cashless claim at any hospital in India using the “Cashless Everywhere" facility available with Reliance General Insurance.
You can opt for the Reliance Health Global plan to get the necessary coverage for planned treatments in the USA.
Yes, you can transfer your existing health insurance policy to Reliance General Insurance by doing the following -
Find and fill out an IRDAI portability form.
Update your existing insurer about the transfer. This should be done at least 45 days before the policy renewal date.
Update Reliance General about the transfer request. This should be done at least 30 days before the policy renewal date.
Wait for policy transfer approval. In the meantime, renew your existing policy for continued coverage.
If you forget to renew your health insurance policy, you will end up losing your policy coverage, No Claim Bonus benefit, and other renewal discounts. Moreover, you might have to pay higher premiums for a new policy.
Most cashless health insurance policies might not cover outpatient treatments in their standard inclusions. However, policies such as the Reliance Health Infinity plan offer an add-on for OPD coverage, which can be availed of under a cashless claim. You must read the policy document carefully to check the inclusion of any plan.
Yes, you can customise your cashless health insurance plan by choosing from the list of add-ons available with us. You must remember that the number and type of add-ons increase the policy premium, so choose wisely.
Yes, most of our plans include AYUSH treatments as standard inclusions within the chosen sum insured. However, you must review the policy inclusions and exclusions before making the final decision.
Your cashless claim may be rejected due to insufficient documentation, false claim requests, non-disclosure of pre-existing conditions, claims for policy exclusions, or incorrect information on your claim form.
To file a cashless claim, you must inform us within 24 to 48 hours after the treatment starts and register a claim online by filing a claim form. At the time of hospital admission, submit a pre-authorisation form at the hospital reception.
We will then coordinate with the hospital to verify the treatment-related expense documents. Once we complete the verification, we will settle the bills with the hospital on your behalf.
The processing time for cashless claim settlements depends on various factors. The list includes the severity of the case, type of treatment expenses, requirement of additional documents, and so on. However, if all the right steps are followed, you can get your cashless claim settled in just a few days.
What is Cashless Hospitalisation?
Cashless Medical Insurance - Benefits
Health Claim Process
Cashless Hospitalisation Vs Reimbursement In Health Insurance
Cashless Health Insurance - Quick And Easy
Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
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