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11 Sep 2020

Reliance General Insurance Review

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Reliance General Insurance Company India Review: Background and Overview-

Reliance General Insurance Company India is an Indian private sector general Insurance company with its headquarters in Mumbai, Maharashtra.
The company has over 130 offices and over 28,900 intermediaries across India. It also has a very strong network of 7300+ partnered hospitals across the length and breadth of the country, and a 94% claim settlement ratio.

Reliance General Insurance Company India provides a wide array of insurance-related services, ranging from Reliance health insurance, car insurance, two-wheeler insurance, travel insurance, etc.
Given below is the Reliance General Insurance review as well as the elaborate list of various Insurance schemes offered-

Reliance General Insurance Company India: Policies and schemes-

Before dwelling into the various insurance policies and schemes offered by Reliance General Insurance Company India, let us start by understanding what health insurance is-
Health Insurance is a product/policy that provides coverage for all medical-related expenses incurred, specified in the policy document, for individuals or a group of individuals. The insured person is required to pay a fixed amount of premium on a monthly basis/regularly as specified until the end of the term to the insurance company (insurer) and the insurer promises to cover the relevant expenses when it arises.
The expenses covered conventionally pertain to the treatment of any injury, disease, or illness and the expenses would wither be reimbursed by the insurer or settled with the hospital directly.

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Reliance General Insurance Company India: Plans and Policies-

Reliance General Insurance Company India offers various schemes and policies for Indians such as Reliance health insurance, car insurance, two-wheeler insurance, travel insurance, etc.

  • Health Infinity Plan- This policy provides coverage from Rs. 3 Lakhs all the way up to Rs. 1 crore, Pre-Hospitalization as well as post Hospitalization expenses covered, policy is meant for applicants between the ages of 18 years to 65 years.

  • Arogya Sanjeevani Insurance- This policy provides coverage from Rs.1 Lakhs all the way up to Rs. 5 lakhs, Pre-Hospitalization as well as post Hospitalization expenses covered, Policy offered in individual and floater basis.

  • HealthGain Health Insurance Policy- This policy provides coverage of between Rs. 3 lakhs and Rs. 18 Lakhs, pre-hospitalization and post-hospitalization expenses covered, tax benefits available too.

  • Health Insurance on EMI- This policy provides coverage between Rs. 3 Lakhs to Rs. 9 Lakhs for an entire family, pre-hospitalization and post-hospitalization expenses covered, donor expense covered up to Rs. 5 Lakhs.

  • Personal Accident Insurance- This policy provides coverage from Rs. 5 Lakhs all the way up to Rs. 20 Lakhs, all specified accident-related medical expenses covered, all specified medical expenses reimbursed.

  • HealthWise Health Insurance Policy- This policy provides coverage from Rs.1 Lakh all the way up to Rs. 5 Lakhs, pre-hospitalization and post-hospitalization expenses covered, Domiciliary Hospitalization expenses covered too.

  • Critical Illness Insurance- This policy provides coverage starting from Rs. 5 Lakhs all the way up to Rs. 10 Lakhs, covers up to 10 critical illnesses, policy offered for 1 year and 3 years.

  • Group Mediclaim Insurance Policy- This policy provides coverage of Rs. 50,000 and Rs. 1 Lakh, pre-hospitalization, and post-hospitalization expenses covered, the policy provided for persons between 18 years to 60 years.

  • Corona Rakshak - Individual Health Insurance Policy for COVID -19- This policy provides coverage from Rs. 50,000 to Rs. 2.5 Lakhs for treatment of COVID-19.

  • Corona Kavach - Health Insurance Policy for COVID -19 This policy provides coverage from Rs. 50,000 to Rs. 5 Lakhs for treatment of COVID-19, policy meant for applicants between the ages of 18 years and 65 years.

We can infer that Reliance General Insurance Company India offers a wide range of health insurance products, targetted at people across various age groups and providing coverage to a large number of diseases, including COVID-19. The policies offered cater to individuals, families, and corporates but can often put people into a dilemma as to which policy would be the best suited for them.

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This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended be advice. You must obtain professional advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax, investment or other professional advice from North Loop or its affiliates. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. All opinions expressed do not reflect the views of North Loop nor are endorsed by North Loop.