Senior Citizen Health Insurance Plan

​Senior citizens deserve financial security and peace of mind when it comes to health care services.

Investing in a senior citizens' health insurance plan is essential, as it protects your parents from soaring medical costs and provides access to excellent healthcare without any burden. These plans cover crucial medical services, giving your parents the peace of mind to enjoy their golden years, feeling both cherished and safeguarded.

Reliance General Insurance offers health plans for senior citizens that cater to every requirement. Health insurance plans such as Reliance Health Global, Health Infinity, Health Gain, and Health Super Top-Up are designed to provide complete healthcare services and peace of mind to your parents. These plans safeguard you against rising medical costs and ensure access to quality healthcare facilities.

Choosing a mediclaim policy for senior citizens from Reliance General Insurance means you are investing in a worry-free future for your loved ones. Our healthcare plans for senior citizens offer extensive coverage, protecting healthcare needs and finances.

What is Senior Citizen Health Insurance?

Senior Citizen Health Insurance provides health coverage for people aged 60 and above. It helps manage the high medical expenses associated with ageing, critical illness treatment, pre-existing conditions and often outpatient care. It ensures financial protection and access to necessary healthcare services.

Senior citizens' health insurance covers hospitalisation expenses, pre and post-hospitalisation care and critical illness coverage, making it essential for managing health care costs in retirement. Health insurance above 60 ensures that medical needs are met without budget constraints.

How Does Senior Citizens' Health Insurance Work?

When you purchase health insurance for elderly parents, you pay a monthly or yearly premium. In return, the insurance plan covers various medical expenses as specified in the policy such as hospitalisation costs, doctor consultations, diagnostic tests, surgeries, ambulance charges and expenses for medication.

Health plans for senior citizens' also include pre and post-hospitalisation benefits and OPD (outpatient department) coverage.

To access the benefits of senior citizens' health insurance, you must notify the insurance company of any planned hospitalisation in advance. This allows the insurer to process the claim efficiently and ensure that all necessary arrangements are made for the hospital stay.

In the case of emergencies, the notification should be done within a stipulated time, typically within 24 to 48 hours of admission. Our "cashless anywhere" facility extends even to non-empanelled hospitals. This means our health insurance customers are no longer limited to receiving cashless treatments only at network hospitals.

With a 100%* claim settlement ratio, Reliance General Insurance ensures that senior citizens receive timely and efficient financial support.

Importance of Health Insurance Cover for Senior Citizens

Ensuring comprehensive health insurance for senior citizens is vital for your financial stability, access to quality healthcare and overall peace of mind. Here’s why health insurance coverage for senior citizens is crucial:

Financial Protection Against Medical Expenses

• As medical costs continue to rise, health coverage for senior citizens' provides crucial financial surety.
• Health insurance coverage for senior citizens ensures that unexpected medical emergencies do not deplete your savings or burden your family financially.

Access to Quality Healthcare

• With senior citizens' health insurance, individuals have access to a broad network of healthcare providers and facilities.
  
• Health insurance plans for senior citizens often include coverage for specialist consultations, diagnostic tests and preventive care, which are essential for efficiently managing age-related health issues.

Peace of Mind

• Knowing that you have health insurance above 60, your parents can enjoy the golden years with contentment, free from the constant worry of potential medical expenses.
• A comprehensive health insurance plan for senior citizens reduces the stress associated with healthcare costs.

Coverage for Critical Illnesses and Chronic Conditions

• ​Many health insurance plans for senior citizens offer coverage for critical illnesses such as cancer, heart disease and stroke. This specialised senior citizens' health insurance coverage ensures that parents receive the necessary treatments timely and without any stress.

By securing comprehensive health coverage for senior citizens, you ensure they have financial security, access to quality healthcare and a sense of well-being.

Senior Citizen Health Insurance Plans - Benefits & Features

Reliance General Insurance offers a range of benefits and features designed to provide comprehensive senior citizen medical insurance coverage, affordability, access to quality healthcare and financial safeguards during medical emergencies.

Health insurance plans for senior citizens offer additional perks such as wellness programs, telemedicine consultations and health check-ups. Health Insurance policies for senior citizens provide comprehensive coverage, affordability, access to quality healthcare and financial reliability, offering invaluable medical benefits for senior citizens. This ensures your parents’ health needs are met without any financial burden.

Types of Health Insurance Plans for Senior Citizens

Different types of health insurance plans cater to various needs. You must carefully consider the coverage and benefits before choosing a plan for senior citizens. Reliance General Insurance offers various plans to suit your needs and preferences:

• Individual Health Insurance Plans: These plans cover personal medical expenses, including hospitalisation, doctor fees, and check-ups, for a single individual. Premiums are based on age and heal​th.
• Family Floater Health Insurance Plans: This health plan offerscoverage for the entire family under one policy, including senior citizens, covering hospitalisation and other medical expenses.
• Senior Citizen Health InsurancePlans: Tailored for those aged 60 to 75, these plans offer comprehensive coverage for hospital bills and other medical expenses. It ensures you get one of the best health insurance plans for senior citizens.

Reliance General Insurance offers some of the best health insurance for senior citizens. Its budget-friendly plans feature competitive premiums, making quality healthcare accessible without any financial implications.

Senior Citizen Health Insurance Plans by Reliance General Insurance

Reliance senior citizens' health insurance offers comprehensive health plans for senior citizens. Our plans provide coverage for individuals up to 75 years old and offer extensive benefits, ensuring a robust mediclaim policy for senior citizens.

Here's a table summarising the key features of our health insurance plans: These plans are ideal if you are looking for health insurance for parents above 50. Our 24x7 customer support is readily available to assist with any queries regarding senior citizens' health plans.

Reliance General Senior Citizen Health Insurance - Key Inclusions & Exclusions

Reliance General Senior Citizen Health Insurance plan provides comprehensive coverage up to 75 years of age, making it one of the best mediclaim policies for senior citizens.

Key Inclusions - Health Cover for Senior Citizens

Inpatient C​are

Covers hospitalisation expenses, including room rent, ICU charges and medical practitioner's fees.

Day Care Pro​​cedures

Covers medical procedures that do not require a 24-hour hospital stay.

Emergency Ambul​ance

Expenses for ambulance services during emergencies are covered.

Pre and Post-hospitali​​​sation

Medical expenses incurred before and after hospitalisation.

AYUSH Treat​ment

Coverage for alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homeopathy.

Annual Health Check-up

If annual health check-ups are conducted and results are shared, discounts on renewal premiums will be offered.

Pre-Existing​​ Diseases

After a 36-month waiting period is completed.

Maternity Expens​​es

Costs related to childbirth and pregnancy check-ups are covered with a maternity add-on cover.

Key Exclusions - Health Plans for Senior Citizens

Specific Treatments Waiting Pe​riod

Certain treatments, such as ENT (ear, nose and throat) surgeries and orthopaedic procedures, have a 24-month waiting period.

Cosmetic and Obesi​​ty Treatments

Excludes expenses related to cosmetic procedures and obesity treatment.

Self-Inflicted In​juries

Excludes treatments for injuries caused intentionally by the insured.

Non-Medical Expen​ses

Items such as registration fees, admission charges and non-medical incidental expenses are not covered.

These inclusions ensure extensive health coverage for senior citizens, making them ideal health plans for senior citizens above the age of 60.

Stay Health Discount with Reliance Health Insurance Plans

Reliance General Insurance offers several discount options for senior citizens' health plans, which can be beneficial for your parents.

The 'Stay Healthy Discount' is particularly noteworthy. It provides up to a 10%* discount on the renewal premium if an annual health check-up is completed and the results are shared with the company.

Additionally, policyholders can avail themselves of discounts on senior citizen health insurance through voluntary co-payment and voluntary aggregate deductible options, which reduce the premium by agreeing to pay a portion of claims or setting an annual deductible limit.

Explore the range of health insurance plans designed to align with your needs and budget:

• Reliance Health Infinity Plan: Enjoy a 35%* discount on comprehensive coverage,including hospitalisation, daycare and preventive care.
• Reliance Health Gain Plan: Take advantage of a 40%* discount on our premium plan, offering extensive benefits such as no-claim bonuses and wellness programs.
• Reliance Health Super Top-Up Plan: Get a 35%* discount on additional coverage options that enhance your existing policy, ensuring financial security for major health expenses.

These discounts make Reliance General Insurance's medical insurance for senior citizens affordable and accessible.

Eligibility of Senior Citizen Health Insurance

Reliance General Insurance has specific eligibility criteria for senior citizens' health insurance plans. The health plan for senior citizens generally covers a mediclaim policy for senior citizens up to 75 years of age.

Why Should You Buy Health Insurance for Senior Citizens Online?

Here are some top advantages of buying health insurance for senior citizens online

• Convenience: Purchase and manage policies from home.
• Accessibility: Instant access to policy details and documents.
• Comparison Tools: Evaluate different health plans for senior citizens easily.
• Exclusive Discounts: Benefit from online-only offers and discounts of up to 40%*.
• Cost-Effective: Save time and money with streamlined processes

Considering these benefits, opting for senior citizen medical insurance online is a smart and efficient choice.

How to Buy Reliance Senior Citizen Health Insurance Policy Online?

1. Reliance General Insurance offers a seamless and hassle-free process for senior citizens’health insurance online. Follow these steps to secure your medical insurance plan:
2. Visit the website and navigate to the ‘Health Insurance’ section.
3. Enter your mobile number, name and pin code, and after that,click ‘View Prices’.
4. Select who you wish to cover - self, family, parents, or in-laws. Choose the type of coverage you need, such as hospitalisation, hospitalisation + OPD, maternity, global or top-up.
5. Select your sum insured, add-ons and policy tenure to tailor the plan to your specific needs.
6. Provide all necessary personal details, make the payment online through secure payment options, and receive your policy via e-mail.

Things to Remember While Buying Senior Citizen Health Insurance

When buying senior citizen health insurance, there are several essential tips to consider to ensure you select the best plan for your needs:

Coverage Needs

• Evaluate the specific health requirements of senior citizens, such as pre-existing conditions and the need for regular medical care.
• Ensure the policy covers a wide range of treatments, including daycare procedures and alternative therapies such as AYUSH.

Policy Features:

• Check features such as no room rent capping
• Restoration of the sum insured
• Pre and post-hospitalisation coverage
• OPD coverage
• Modern treatments, including advanced surgeries and therapies
• Wellness benefits
• Discounts on health check-ups

Premium Affordability

• Compare premium rates and ensure they fit within your budget.
• Consider policies offering voluntary deductibles or co-payment options to reduce premiums.

Network Hospitals

• Ensure the insurance provider has a vast network of hospitals, including those close to your residence, where you can receivecashless treatment.
• Verify the ease of access to these hospitals and the quality of healthcare services provided.

Claim Process

• Understand the claim settlement process, including the required documentation and the average time for claim approval.
• Check the insurer's claim settlement ratio and customer reviews for reliability in buying medical insurance for parents.

By keeping these factors in mind, you can efficiently buy medical insurance for parents, ensuring they have comprehensive senior citizens' health insurance. This approach guarantees that the chosen mediclaim policy for senior citizens meets your parents' healthcare needs without any budget constraints.

How to Renew Your Senior Citizen Health Insurance Policy?

You can renew your senior citizen health insurance policy online through the Reliance General Insurance website or the Reliance Self-i app. Follow these simple steps for a hassle-free individual health insurance renewal:

On the Website:

1. Visit the Renewal Section: ​On the Reliance General Insurance homepage, navigate to Renewal > Renew Health Insurance.
2. Enter Policy Details: Input your medical insurance policy number and its expiry date.
3. Complete Payment: ​Click “Go” and follow the payment instructions to complete the renewal process.

On Reliance Self-i App:

1. Download the App: ​Download the Reliance Self-i app.
2. Access Your Policy: As an existing customer, log in to the app to access all your policy details.
3. Renew Your Policy: Select the health insurance policy you want to renew and complete the payment process.

Tax Benefits of Senior Citizen Health Insurance

Under Section 80D of the Income Tax Act of 1961, senior citizens can avail of substantial tax benefits on health insurance premiums. Individuals with health insurance can claim deductions up to ₹1,00,000* for premiums paid towards health insurance policies for self and dependent parents.

Senior citizens' health insurance tax benefits significantly ease the financial burden, making health insurance a crucial investment.

This provision allows for efficient financial planning and security for those investing in a health plan for senior citizens. Medical insurance for senior citizens not only offers comprehensive healthcare coverage but also reduces taxable income.

Here are the tax benefits for health insurance plans above 60 years of age:

• Self and Family (Above 60 years): ₹50,000* deduction on premiums if both you and your spouse are above 60 years.
• Parents (Above 60 years): ₹50,000* additional deduction if your parents are senior citizens.

Thus, the total permissible deductions can amount to ₹1 lakh*. This enhances your savings and provides comprehensive health coverage for you and your family.

• Preventive Health Check-ups: ​Claim a deduction of up to ₹5,000* for preventive health check-ups within your ₹50,000* limit, as applicable.

Eligibility Criteria to Avail Tax Benefits with Family Health Insurance

• The policyholder must be a taxpayer.
• The policyholder must be a resident of India.
• Premiums must be paid by any mode other than cash.
• Premiums must be paid for the relevant financial year. For policies with single premium payments covering multiple years, the deduction is allowed proportionately for each financial year.

* Disclaimer: Tax benefits are subject to conditions under Section 80D of the Income Tax Act, of 1961 and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.

Statistics of Senior Citizen Health Insurance in India

In India, only 18% of senior citizens are covered by health insurance. Enrollment rates for health insurance for senior citizens above 60 years old are gradually increasing. Coverage trends reveal a preference for a comprehensive mediclaim policy offering extensive benefits.

Claim ratios indicate that hospitalisation and domiciliary treatments are commonly claimed. Despite these trends, insurance penetration among the elderly remains low. One of the best health insurance for senior citizens in India includes policies such as Reliance Senior Citizen Health Insurance.

Disclaimer: The statistical data presented in this content is sourced from The Economic Times. While we strive for accuracy, the figures are based on external reports and are subject to change.

Difference Between Health Insurance for Seniors vs Individual Health Insurance

Here's a table highlighting the differences between Senior citizens' health insurance and individual health insurance

These distinctions ensure that both senior citizens and younger individuals receive the appropriate care and coverage suited to their specific health needs and life stages.

Senior Citizen Health Insurance vs Family Health Insurance

Here's a table highlighting the differences between senior citizens health insurance and Family Health Insurance

These insurance plans ensure that both senior citizens and families receive appropriate and effective health coverage. They offer distinct benefits tailored to different age groups and family structures.

Pre-Medical Checkup for Senior Citizens' Health Insurance Policy

Pre-medical checkups are essential for senior citizen health insurance policies. These checkups assess the applicant's current health status, allowing insurers to determine coverage options and premium rates.

The necessity of pre-medical check-ups for senior citizens is emphasised due to the higher likelihood of pre-existing conditions. The process involves a comprehensive evaluation, including blood tests, imaging and consultation with healthcare providers.

The implications of these checkups can include adjustments in policy terms or denial of coverage based on the findings. However, some health plans for senior citizens might offer exemptions for minor or well-managed health conditions, ensuring broader access to insurance.

Waiting Period for Senior Citizens' Health Insurance

Senior citizen health insurance policies typically include a waiting period that must be completed before certain benefits become available. This duration can vary significantly depending on the insurer and the specific plan chosen.

Generally, the waiting period for pre-existing conditions is about 24 to 48 months. During this time, any claims related to pre-existing conditions will not be covered.

Additionally, the waiting period for new illnesses typically ranges from 30 to 90 days from the policy's inception. This ensures that only genuine medical needs are covered, preventing misuse of the insurance policy.

Comparing Senior Citizen Health Insurance Plans Online

It is easier to compare senior citizens' health insurance plans efficiently, ensuring that the chosen mediclaim policy meets all necessary health and financial needs.

Purchasing health insurance online is gaining popularity due to its simplicity and efficiency. With just a few clicks, you can compare health insurance plans for senior citizens in India, review various policies and secure coverage tailored to your needs..

How to Calculate Senior Citizen Health Insurance Premium?

The Reliance Individual Health Insurance premium calculator offers a quick and accurate estimate of your insurance costs, ensuring you select a policy that aligns with your budget and healthcare needs. It also allows you to explore various coverage options and discounts tailored to your specific requirements.

You can just follow the below steps to check your Reliance Individual Health Insurance premium:

Step 1: Visit the Official W​ebsite

• Go to​ ​Reliance General Insurance​ and navigate to the Health Insurance page.

Step 2: Enter Your D​​etails

• Provide your age, phone number and other basic information.

Step 3: Input Coverage Information

• Specify the individuals you want to insure, the coverage amount you need, and any add-ons you wish to include. Click "Get Price" to see your estimated individual medical insurance cost, along with available discounts.

Using a senior citizen health insurance premium calculator can simplify this process by inputting these factors to get an estimate. For those with health insurance above 60, it's crucial to evaluate and compare multiple policies to find the best fit for your parents' needs.

The senior citizen mediclaim policy premium calculator provides a quick way to understand potential costs and make informed decisions.

Claim Settlement Process for Senior Citizen Health Insurance

Understanding the claim settlement process for senior citizens' health insurance is crucial for a smooth experience. Here is a step-by-step guide for the cashless claim and reimbursement process:

Individual Medical Insurance: Process for Cashless Claims

1. Register Your Claim: Inform our health insurance claims team about your hospitalisation by calling (+91) 4890-3009, via e-mail or using the Reliance Self-i application. You will need to submit a few documents for claims approval.
2. Visit Hospital for Cashless Treatment: Once your claim documents are approved and our team processes your claim request, you can visit the hospital for cashless treatment.
3. Settle Your Claims Via Hospital’s TPA: After your treatment is complete, the TPA desk of your chosen hospital will contact us and send your medical bills. The claims team will collaborate with the hospital to settle your invoices as per the policy terms.

Individual Mediclaim Policy: Process for Reimbursement Claims

1. Register Your Claim: As soon as you are prescribed a hospitalisation, inform our health insurance claims team by calling (+91) 4890-3009, via e-mail or using the Reliance Self-i app. You will need to submit some required documents for claims approval.
2. Undergo Treatment: After your claim is registered, you can get treatment at any hospital of your choice.
3. Make the Payment: You must pay for the treatment out of your own pocket for a reimbursement claim. Make the necessary payment and collect all the invoices.

Submit Your Documents for Reimbursement: Within 7 days of discharge, submit a scanned copy of all your health insurance documents and medical bills to our claims team. Once the documents are received and verified, Reliance General Insurance will release your reimbursement amount as per the inclusions of your health insurance plan.

Choosing the best health insurance policy for senior citizens considering claim settlement can ease your burden during medical emergencies and ensure timely financial support.

These steps apply to various policies, including the mediclaim policy for parents above 60 years, enhancing the security offered by a health plan for senior citizens.

Documents Required to Claim Senior Citizen Health Insurance

Myths About Senior Citizen Health Insurance

Here are some of the popular myths regarding senior citizen health insurance:

How to Manage Senior Citizen Health Insurance Policy?

Managing a senior citizen mediclaim policy effectively requires attention to detail and proactive measures to ensure optimal utilisation of benefits. Here are some practical tips:

1. Understand the Coverage: Thoroughly review the terms and conditions of the health plan for senior citizens. Familiarise yourself with what is covered, such as hospitalisation, surgeries and outpatient treatments, as well as exclusions and waiting periods for pre-existing conditions.
2. Update Information Regularly: Update all personal and medical information to your insurance provider. This includes contact details, medical history and any changes in health conditions. Accurate information ensures the smooth processing of claims.
3. Utilise Health Plans for Senior Citizens' Benefits Fully: Take advantage of all the benefits offered by health coverage for senior citizens. This includes annual health check-ups, wellness programs, and preventive care services, whichmany policies provide.
4. Stay Informed About Policy Changes: Insurance policies can change over time, affecting premiums, coverage and benefits. Regularly review policy updates and renewals to stay informed about any modifications. This will help you make the necessary adjustments and avoid surprises during claim settlements.
5. Maintain Proper Documentation: Organise all documents related to health insurance for parents above 60, including policy papers, medical bills, hospital records and claim forms. Proper documentation is crucial for hassle-free claim processing.

By following these tips, managing a senior citizen mediclaim policy becomes more efficient, ensuring that the health needs of elderly parents are adequately covered.

Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for multiple products such as Health Gain Health Insurance Policy UIN -RELHLIP21514V022021, Health Infinity Insurance UIN -RELHLIP21521V032021, Reliance Health Super Top Up UIN- RELHLIP21617V012021, Reliance Health Global UIN: IRDAN103RP0001V01202324.
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).

Customer Count: The total no. of customers insured data is for FY22 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.

Sum Insured: The mentioned sum insured are for Reliance Health Infinity and Reliance Health Global policies.
Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Income Tax Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
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.

Frequently Asked Questions

General

1. Why do senior citizens need a health insurance policy?

Due to increasing medical expenses and health issues, senior citizens need health insurance. A health policy provides financial security and access to quality healthcare without the burden of high medical costs. It covers hospitalisation, critical illness, and other medical expenses, allowing senior citizens to focus on recovery.

2. How can the best health insurance policy for senior citizens be selected?

To select the best policy, consider coverage, premiums, network hospitals, sub-limits, co-payments, and the insurer's claim settlement ratio. Ensure the policy covers hospitalisation, daycare procedures, and pre-existing conditions, offering required value without compromising on benefits.

3. How can senior citizens in India apply for health insurance?

Reliance General Insurance offers a seamless and hassle-free process for senior citizens’ health insurance online. Follow these steps to secure your medical insurance plan. Visit the website and navigate to the ‘Health Insurance’ section. Provide all necessary personal details, make the payment online through secure payment options, and receive your policy via e-mail.

4. What is the best health insurance for senior citizens?

The best health insurance varies by individual needs. Popular options include health plans such as Reliance Health Global Insurance, Reliance Health Infinity Insurance, Reliance Health Gain Insurance and Reliance Super Top-Up Insurance which are known for comprehensive coverage and reliable claim settlement.

5. Which is the cheapest health insurance for senior citizens?

Affordable options include Reliance Health Global Insurance, Reliance Health Infinity Insurance, Reliance Health Gain Insurance and Reliance Super Top-Up Insurance. Comparing benefits and limitations is crucial to ensuring the policy effectively meets healthcare needs while being cost-effective.

6. What are the coverage benefits of senior citizen health insurance?

Coverage benefits include hospitalisation, pre and post-hospitalisation expenses, daycare procedures, coverage for pre-existing diseases after a waiting period, and critical illness coverage. These benefits ensure comprehensive medical care for senior citizens.

7. Can senior citizen health insurance be renewed before the due date?

Yes, it is crucial to renew the policy before the due date to maintain benefits such as coverage for pre-existing conditions and avoid losing out on necessary healthcare coverage.

8. Are pre-existing conditions covered under senior citizen health insurance?

   Pre-existing conditions are covered after a waiting period, which varies between policies. Reviewing the waiting period and specific terms in the policy document ensures an understanding of how pre-existing conditions are managed.​

Premium

1. What factors affect the premium of senior citizen health insurance?

Premiums are affected by age, medical history, coverage amount, policy features, and lifestyle habits. Higher age and extensive coverage typically result in higher premiums, while pre-existing conditions and unhealthy habits can also increase costs.

2. How can senior citizens reduce their health insurance premiums?

   To reduce premiums, senior citizens can opt for higher deductibles, maintain a healthy lifestyle, and avoid smoking or excessive drinking. Comparing policies from different insurers and choosing plans with essential coverage can also help in managing costs effectively.​

Claims

1. How to file a claim for senior citizen health insurance?

To make a cashless claim, inform our claims team by calling (+91) 4890-3009, via email, or using the Reliance Self-i app. After claim approval, visit the hospital for treatment. The hospital’s TPA desk will send your bills to us, and we’ll settle them according to policy terms.

2. What are the common exclusions in senior citizen health insurance?

Common exclusions include cosmetic treatments, self-inflicted injuries, war-related injuries, and unproven treatments. These exclusions ensure that only necessary and recognised medical treatments are covered, preventing misuse of the policy.

3. What should be done if a claim is rejected?

If a claim is rejected, review the reasons provided by the insurer, ensure all required documents were submitted, and understand the policy's terms and conditions. If necessary, contact the insurer for clarification or appeal the decision if you believe the claim was valid.

4. Can the policy details be modified after purchase?

   Policy details such as coverage amount, add-ons, and nominee details can often be modified, usually at renewal. Some changes may be allowed during the policy period, subject to the insurer’s terms and conditions.​