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Reliance HealthWise- Gold

Entry Age (years)  
Minimum 18; 3 months for children
Maximum 55; 18 years for children
Maximum Policy Renewal Age (years) 75
Coverage Type Individual/ Family floater
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 2 lakh
Policy Term (years) 1
No Claim Bonus 5% no claim bonus for every claim free renewal till it reaches 20% of initial sum insured
Pre Policy Medical Check Up Mandatory above 45 years of age. Insurer reimburses 50% of the cost if proposal gets accepted
Policy Termination Either 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 Service Reliance General Insurance Company Ltd., Regd Office: Reliance Centre, 19, Walchand Hirachand Marg, Ballard Estate, Mumbai 400001
Customer Service  
Mail to [email protected]
Call to 1800 3002 8282(toll free) ; 022 3989 8282(charges apply)
SMS Type 'protect' and send it to 55454
Network Hospitals Http://
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 60 days prior to hospitalisation and 90 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
Nursing allowancepays Rs 300 per day for a maximum of 5 days. However, in case of listed critical illnesses, the above mentioned reimbursement will be extended to maximum 10 days
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
Critical illnesspays an additional amount equal to the basic sum insured under the policy if diagnosed with any of the listed sum critical illnesses. It covers Cancer, Coronary Artery Bypass Graft, First Heart Attack, Kidney failure, Multiple Sclerosis, Major Organ Transplant, Stroke, Aorta Graft Surgery, Paralysis, Primary Pulmonary Arterial Hypertension
Donor Expensescovers donor's medical expenses
Value Added Covers
Daily hospitalisation Allowancepays Rs250 for each day completed in hospital as an inpatient if hospitalisation exceeds 3 days. This allowance will be granted upto maximum of 7 days in a policy year
Ambulance expensescovered upto maximum of Rs 1000
Expenses on accompanying person (payable if hospitalised for 5 days or more)pays Rs 300 per day for maximum of five days
Recovery benefitconvalesence benefit of Rs 10000 is paid in lumpsum if hospitalisation exceeds 10 days. This benefit is applicable for all insured members in a floater policy irrespective of the number of occurrences subject to the sum insured
Exclusions and Waiting Period
Pre-existing diseasescovered after 2 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