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The No-Compromise Health Policy
As per regulation, Individual & Family Floater health insurance policies starting Sept 22, 2025, will have 0% GST. Choose a start date on or after this to avail the benefit.
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Reliance Health Gain Insurance is your ideal financial safeguard against healthcare expenses that can arise from unexpected medical treatments. It is a comprehensive health insurance plan that provides complete protection against a wide range of medical expenses.While we all hope never to face a critical illness, if it does occur, imagine the rising costs. From consultations, tests, hospitalisation and surgery to post-surgery recovery and care, everything adds up quickly.It is ideal for anyone seeking financial protection against routine health issues or unexpected critical illnesses. With options for both individuals and families, it is a flexible and reliable solution for comprehensive coverage.In such a scenario, the Reliance Health Gain Policy can be your financial lifesaver, ensuring no compromise on essential healthcare that comes your way.
Please Note: The basis of payment and pre-requisites for claim can differ for the specific type of cover. Read through the prospectus/policy wordings to know more.
Exclusions may vary based on the specific coverage. Here is a brief about the standard exclusions.
Please Note: Optional covers are applicable to policies with a sum insured of ₹5 lakhs or more (except for a change in room rent limit and voluntary aggregate deductible). The basis of payment and pre-requisites for claim can differ for the specific add-on. Read through the prospectus/policy wordings to know more.
Please Note: The eligibility criteria can differ for the specific coverage options.
With our Reliance Health Gain Policy, you can choose between cashless and reimbursement claims. Additionally, with Cashless Everywhere, you can get cashless treatments at all hospitals - network and non-network.
Please note: Any uncovered costs, co-payments, and deductibles will be your responsibility.
The terms and conditions can differ for the specific coverage. Some of the general terms and conditions that you need to know are as follows:
Our Reliance International Health Insurance covers planned treatments abroad, and Reliance Health Infinity Insurance Policy provides extensive coverage.
Reliance Health Gain Insurance offers comprehensive coverage for complete health care protection with an adequate sum insured.
It covers a wide range of illnesses and healthcare requirements with customisable features and options to enhance protection.
In the event of the policyholder’s death, the nominee will be considered for the purpose of payment of claims under the policy.
You can transfer your existing health policy to Reliance General Insurance by using the health insurance portability option. You need to initiate the porting process at least 45 days before your renewal for a smooth transition and retaining the benefits gained.
You can check your Reliance Health Gain Insurance details by logging into your account on our website at the top right-hand side of this page or on the Reliance Self-i App.
Pre-existing illness is any health condition diagnosed within 48 months prior to the policy issuance date. A waiting period of 36 months is applicable to receive benefits for treatments related to pre-existing illnesses. Diabetes and excessive blood pressure are two examples.
Pre- and post-hospitalisation expenses refer to costs incurred prior to and after hospitalisation. It can include consultations, medications before admission, diagnostic tests and follow-up treatments.
If you are hospitalised, the Consumables Cover will pay for a variety of consumables like needles, gloves, and syringes that are required for your care.
Your health insurance policy is valid for 12 months starting on the day it was issued (Risk Start Date). You can purchase a two- or three-year insurance if you want your coverage for a longer period of time.
No, if you enrol your entire family in a single plan, you will only need to pay a single premium to cover everyone.
Your insurance premium can be paid with a credit card, debit card, UPI, net banking, or an EMI.
During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.
With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025. Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300
Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.
Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.
Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
What this means for you: Lower Premiums: You'll now pay only the base premium-no GST added.
Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.
Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.
Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.
If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.
When you buy a Reliance Health Gain Policy, you can get a comprehensive coverage of up to ₹1 crore for a wide range of healthcare expenses with an adequate sum insured. It can cover hospitalisation, pre- and post-hospitalisation, accidental death, critical illnesses, and more.
In addition, it offers a diverse array of add-ons to enhance the coverage. You can benefit from a double cover, the change in room rent limits, and more. Furthermore, and most importantly, you can secure this coverage at an affordable premium while also gaining a number of discounts.
With Reliance Health Gain Insurance, you can benefit from the following discounts:
Reliance Health Gain Insurance covers various medical expenses such as room rent, nursing expenses, ICU charges, surgical expenses, medication expenses, diagnostic procedures, and more. For detailed information, refer to our prospectus/policy wordings.
Yes, there are various add-ons available under Reliance Health Gain Insurance, including Double Cover, Consumables Cover, Reinstatement of Sum Insured, Guaranteed Cumulative Bonus, Change in Room Rent Limits, Reduction in Pre-Existing Waiting Period, and more. For detailed information, refer to our prospectus/policy wordings.
The proposer is the applicant and the policyholder who is responsible for paying the premium.
Yes, however, there is a 30-day waiting period for treating any illness except those arising out of an accident.
A Cumulative Bonus is a feature that increases your Sum Insured if you go a whole policy year without making a claim. With Reliance Health Gain, you get a Cumulative Bonus of 33.33% for every claim-free year and 33.33% decrease for every claim year.
Yes, you will get a 12% discount if you buy a 3-year policy and a 7% discount if you buy a 2-year policy.
No, you can make any number of claims in a policy year as long as you have enough of your coverage amount or Sum Insured available.
If you exhaust your sum insured on subsequent claims we will offer an extra or a double cover of up to 100% of your base sum insured as a reinstatement. You can benefit from unlimited reinstatements by choosing the Unlimited Reinstatement of Base Sum Insured add-on.
No, you do not need a pre-medical checkup to buy our health insurance. The pre-medical checkup is applicable only if you are above the age of 45 and/or suffering from any Pre-existing injury/illness/disease conditions.
Yes, the plan offers lifetime renewability.
You can cancel the policy by giving written notice within 15 days. The refund premium for the unexpired policy periods will be initiated according to the policy conditions.
Reinstatement of the Sum Insured under Reliance Health Gain gives you the advantage of restoring your Sum Insured if you exhaust it during a policy year.
One reinstatement is offered as an extra cover. However, to benefit from unlimited reinstatements, you can choose the Unlimited Reinstatement of Base Sum Insured add-on.
Yes, Reliance Health Gain covers medical expenses for all your family members if you add them under the family floater plan.
The kind of room applicable for hospitalisation will depend on the plan option you have chosen. With the Change in Room Rent Limits add-on, you can also change the room rent limits by upgrading to a better room.
The waiting period applicable to pre-existing illnesses under this plan is 36 months. You can reduce it to 24 months or 12 months by opting for the Reduction in Pre-Existing Waiting Period add-on.
Changing the sum insured during the policy year may not be possible. However, you can choose a higher sum insured within the same plan option or upgrade to another plan option with a higher sum insured at the time of policy renewal.
Yes, the Reliance Health Gain Insurance does cover COVID-19. However, it is applicable after a waiting period of 15 days.
You can file claims in person in a few simple steps:
You can get a cashless claim for the hospitalisation expenses covered under the policy in any network or non-network hospital.
If you have received healthcare treatment in a non-network hospital, you can still file a cashless claim. However, if you choose reimbursement claims, you can pay for the expenses upfront and later submit the bills and payment receipts for reimbursement.
The reason for the rejection will be communicated to you after the claims process. If you find the reason unsatisfactory, you can appeal for the justification at the Grievance Redressal Cell. Read through the prospectus/policy wordings to know more.
December-2024,Hyderabad
October-2024,Bengaluru
September-2024,Thrissur
November-2024,Bengaluru
September-2024,Kollam
December-2024,Pathankot
October-2024,Lucknow
Disclaimers:*Maximum discount applicable for the policy is 40% excluding long term healthy discount(aggregate) | **These are optional covers and need to be opted separately while purchasing the policy. | ++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. | #The premium mentioned is excluding taxes for single person ageing 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). | *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. The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122
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