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Reliance HealthWise- Standard


An online health insurance policy that aims at covering hospitalisation medical expenses and other incidental expenses in case insured person gets hospitalized.

Suited for

It can be bought as an individual or family floater covering your spouse and 2 children under the same policy.

What does it do?

This is a basic health insurance policy. Apart from expenses incurred while hospitalized, this policy also provides for treatment taken at home on advice of the doctor, day care treatment for illnesses or procedures which do not require an overnight stay in hospital due to technological progress and health check up. Ambulance expenses are covered too.


There is no capping on room rent or ICU rent.
There are no sub-limits on different illnesses.
This policy can be bought online as well.
Premiums paid towards this policy enjoy a tax benefit under Section 80D.


It does not offer lifetime policy renewal.

Our View

A positive factor is that it has no sub-limits and no capping on expenses. Only drawback is that it doesn't allow lifelong policy renewal. Old age is the time when the chances of falling ill increase. Buying a new policy at higher age is tough and expensive as well. Preference should be given to the policies that offer lifelong renewal facility.

Entry Age (years) 
Minimum18; 3 months for children
Maximum55 years for Gold, 60 years for Silver & 65 years for Standard Plan respectively; 18 years for children
Maximum Policy Renewal Age (years)75
Coverage TypeIndividual/ Family floater
Sum Insured (Rs) 
Maximum5 lakh
Minimum2 lakh
Policy Term (years)1
No Claim Bonus5% no claim bonus for every claim free renewal till it reaches 20% of initial sum insured
Pre Policy Medical Check UpMandatory above 45 years of age. Insurer reimburses 50% of the cost if proposal gets accepted
Policy TerminationEither of the parties may terminate this policy by giving a 15 days notice. The insurer would pay proportionate premiums if no claim has been made.
Customer ServiceReliance General Insurance Company Ltd., Regd Office: Reliance Centre, 19, Walchand Hirachand Marg, Ballard Estate, Mumbai 400001
Customer Service 
Mail to[email protected]
Call to1800 3002 8282(toll free) ; 022 3989 8282(charges apply)
SMSType 'protect' and send it to 55454
Network HospitalsHttp://www.reliancegeneral.co.in/insurance/cashless-hospitals.aspx
Additions to the Plan
Scope of Cover
Cashless Facilityavailable if treatment taken in network hospital
Reimbursement facilityavailable if treatment taken in a non-network hospital
Pre and post hospitalisationcovers medical expenses during a period for upto 30 days prior to hospitalisation and 60 days post discharge respectively
Inpatient hospitalisationcovered
Domiciliary hospitalisationcovered upto 10% of basic sum insured
Day Care treatmentcovered subject to the list mentioned in the policy document
Health check uppays 1% (individual policy) or 1.35%(for floater policy) of average sum insured after 4 claim free years on a reimbursement basis
Value Added Covers
Ambulance expensescovered upto maximum of Rs 500
Expenses on accompanying person (payable if hospitalized for 5 days or more)pays Rs 200 per day for maximum of five days
Exclusions and Waiting Period
Pre-existing diseasescovered after 4 years of continuous renewal
No claim periodfirst 30 days of policy commencement
Waiting periodCertain diseases such as cataract, Hernia, sinusitis etc.shall be covered after first policy year elapses
Other exclusionsNaturopathy treatment or any other Non-Allopathic treatment.AIDS or related illnesses
Annual Premium
Age (in years)Sum Insured (in Rs)
2 lakh3 lakh4 lakh5 lakh
1 Adult
2 Adults
3 Adults
4 Adults
Premiums are exclusive of service tax and cess.
46 years and above cannot buy this policy online. Contact insurer for premiums.