Insurance Inbox


Health Gain Insurance

Reliance Health Gain is a product by Reliance General Health Insurance (part of the Reliance Group). It comes in 2 variants Plan A and Plan B offering unique features such as policy service guarantee, wellness solutions and girl child discount in floater option.

Sum Insured

3,00,000 to 9,00,000

Premium starts from


Key Highlights

    Cashless Treatment at 4000+ Network Hospitals

    You don’t have to pay even a single paisa from your own pocket in more than 5000+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

    Day Care Treatments

    Insurance company will pay for more than 140 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

    Wellness Services

    You will have the option of seeking medical help from a Doctor through telephone or online. You can also access health related information on the Reliance health site

    Key Product Benefits to Check

      Expenses before and after Hospitalization

      Get covered for all your claim related medical expenses 60 days before your hospitalization and upto 60 days after your discharge. This list may include follow-up visits, medication, diagnosis, etc.

      Organ Donor Cover

      Medical expenses of organ donor are covered up to 50% of the Sum Insured, in case of organ transplant subject to maximum

      Ambulance Cover

      You can claim upto Rs.1500 to 3000 depending on the type of plan you choose for necessary transportation fares by Ambulance.

      Recharge of Sum Insured

      If you exhaust your entire sum insured & cumulative bonus (if any) and still require further hospitalisation for any related or unrelated illness, your sum insured will be recharged at no extra cost.

      Policy Service Guarantee

      In case the policy issual is delayed by 10 days even after submitting all documents, you will receive a onetime additional Sum Insured of Rs.10,000 to 20,000 depending upon plan type.

      Wellness Solutions

      You can get awesome discounts on various, value-added wellness services and choice of various online solutions through wellness program.

      Exclusions to note

        Pre Existing Diseases

        In the first 3 years of subscription, the policy will not pay for treating medical conditions that you may have been suffering from before purchasing the policy.

        30 days Waiting Period

        You can only claim for treatments undergone 30 days after the issue of the policy except for treatment of emergency/accidents

        2 years waiting period

        This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 2 years.

        Assets to be Covered


          Your Health

          You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.


          Family Health

          Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.

          Risks to be Covered


          Accidental Death

          The amount paid on accidental death of the insured person

          70% Complete


          Organ donor expenses

          There are mainly 6 types of medical expenses incurred as far as the organ donor is concerned: Organ screening for compatibility, Pre-hospitalization costs, Hospitalization Costs, Organ transplantation surgery, Post-surgery complications & recovery, Post Hospitalization Costs for the Donor

          70% Complete


          Hospitalization Expenses

          Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.

          70% Complete


          Pre & Post Hospitalization Expenses

          Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.

          70% Complete


          Domiciliary treatment expenses

          Domiciliary Hospitalization is the treatment of the patient taken at home due to lack of accommodation in the hospital/nursing home or the patient's condition being such that he/she cannot be shifted to the hospital

          70% Complete


          Ambulance Charges

          The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.

          70% Complete


          Day Care Treatment expenses

          Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.

          70% Complete


          Our Expert Says

            Hi Dr. Mamtaa Goel, I am looking for a Health Insurance cover. Can you please brief me about this product


            Mamtaa Goel

            Reliance Health Gain provides a wide range of sum insured options from 3Lakhs to 18 Lakhs for the entire family. Apart from the coverage it offers special discount for women and girl child, wellness solutions, Domiciliary and Organ Donor expense.

            Thank you so much for your help...


            Mamtaa Goel

            It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.

            Our Experts Panel


              Dr. Nandagopal Pothula

              Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.


              Dr. Kamalakar Sai

              Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited.


              Dr. Mamtaa Goel

              Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.


                What is the maximum age for renewal under Reliance HealthGain policy?

                Age is no bar for renewals – you can enjoy the advantage of our mediclaim policy for your entire life!

                What tax benefits can you avail by having a health insurance?

                ​The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

                Do I have to undergo any medical examination?

                A medical check-up is required only in some cases. Under plan A, if you’re >=46 years of age Under Plan B, if you’re >=18 years of age Under any health insurance plan, if you’re less than 46 years of age, but suffering from a pre-existing disease *Based on sum insured and the age of the person

                Who pays for the medical examination?

                The proposed insured(s) will need to pay for the cost of Pre-Policy Check-up (PPC) directly to the doctor or diagnostic centre. Reliance will co-ordinate the appointment with the empanelled doctor or diagnostic centre through appointed RCARE (In-house).

                Can the sum insured be changed in the mid-term?


                How can I add my family members to my existing policy?

                ​You can add family members to your existing policy only when you are renewing your Individual Policy or Floater mediclaim insurance Policy subject to applicable underwriting guidelines and approval from us. You cannot add dependants in the middle of a policy term, except in the case of a new born baby (from 91 day) or a newly married spouse. For product specific conditions have a look at the product brochures.


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