Health insurance is coverage of risks related to health hazards.
Medical emergencies come un-announced. The cost of healthcare can be enormous. In the absence of health insurance, this expense has to be borne out-of-pocket. This can have an adverse impact on the financial situation of a family. A Health Insurance cover provides much needed financial assistance in case of emergencies, and ensures that you can access healthcare facilities when you need them the most, without worrying about the medical expenses.
Our products are easy to choose, easy to buy and easy to use. There are no sublimits or copayments applied unless voluntarily opted. More Health Insurance offers extended Pre/Post hospitalisation period, no specific day care list, renewal benefit such as health check-up discount, restoration of sum insured and other unique benefits like MoreTime, MoreCover, MoreGlobal and host of other benefits. For more details please read our product literature.
Reliance Health insurance products are simplified with Automagic experience, when compared to other health insurers in market.
More Health insurance product offers inpatient care, extended pre/post Hospitalisation and other benefits which are at on par with market. In addition it offers unique benefits such as - Restore Benefit, Special Treatments and More Option Benefits. Please refer to product literature for further details.
Yes. This More Health Insurance is for age bracket of 91 days to 65 years can apply for this product.
In a family floater plan a maximum of 8 members can be covered, with a maximum of 2 adults and 6 children.
No. Maternity benefit is not covered under the More Health Insurance.
Eye treatments requiring in-patient hospitilisation or day care procedure are covered. Correction of eye sight due to refractive error above dioptre 14.0 is also covered. However, any treatment under taken for purpose of cosmetic change is not covered.
Product doesn’t offer preventive Health check-up. However if you share your health check-up reports which is done during the policy year then we will provide discount at your policy renewal.
Family Floater plan covers - Self, spouse and children.
Pre-hospitalisation medical expenses incurred in the 90 days before the hospitalisation will be covered.
Yes as long as the maximum entry age is less than or equal to 65 years.
Yes. You can change your plan at the time of renewal.
Diseases which are not pre-existing, and not specifically excluded would be covered which requires hospitalisation. Please refer to the product literature for time bound exclusions.
One of the best feature in More Health Insurance is, it doesn’t have any room rent capping.
Yes, you can cover your parents and parents-in-laws provided their age is under 65 years.
There is no cumulative bonus provision in our more health insurance.
Cashless claim is a process where the insured undergoes hospitalisation in the network hospital & the claimed amount is paid directly to the hospital and reimbursement claim, on the other hand, is a process where insured undergoes hospitalisation in non network hospital, pays for all the expenses first and later applies for reimbursement. In this case, the claimed amount is paid to the insured.
You can intimate a new claim through following modes -
A. Website :
1. Login to the website and enter your registered email id then you will receive OTP on your registered mobile number.
2. Once you login, click on "Intimate a new claim".
3. You need to select your policy number from the drop down option and select the member against whom you are raising the claim intimation.
4. Enter your policy, insured, intimator, case , hospital and your communication details.
5. On submission of above details, you will receive intimation number.
B. You can also call / mail us for claim intimation.
In order to avail cashless facility, pre-approval is required from insurance company called Pre-Authorization. It applies in case the insured goes for admission to a network hospital.
Pre-Authorization request is valid for 15 days from the expected date of admission to the hospital. Policy should be active / valid during these 15 days.
You can login on the website and check the list of claims made and respective status.
Any number of claims can be availed upto the limit of Sum Insured / Capping.
Planned hospitalisation means the insured informs insurer about the hospitalisation in advance. Insurer must be informed before 48 hrs or immediately post hospitalisation. You can also intimate us 30 days before hospitalisation.
Yes, we can reconsider rejected pre-auth supported with clarification from treating doctor.
There may be various reasons like waiting period, sum insured exhausted, permanent exclusion, sub-limit exhausted.
The members can contact RHI via customer care number or mail us at firstname.lastname@example.org.
Post availing the treatment, the customer needs to submit the required documents to RHI. Claims team will evaluate the documents and sanction the amount as per policy terms and conditions. The sanctioned amount will be credited to insured's A/C.
Your reimbursement claim will be settled in two weeks from last document submission.
Yes, you can raise the claim. We will process the claim as per policy T & C.
Settlement letter is a letter which will be shared by us after we process your claim. The letter will have all the details of your claim.
The medical costs will be covered post waiting period.
The claims team will evaluate claim request and sanction the claim amount as per terms and conditions of the policy.
Yes, RHI can reject claim in case of fraud or when customer does not submit the required documents within given turn around time (TAT).
We have inhouse claims processing team. So you need to submit the claim to RHI.
No, If a policy is in grace period you can't raise claims.
As a good practice, please keep us informed by intimating the claim before admission. Maximum upto 7 days post discharge please submit the required copies with the claim form. Post hopitalisation expenses can be submitted separately.
We will keep you updated on the status of the claim through emails / SMS. You can also track your claim on our website.
No, the claim amount you receive under your health policy is not subject to tax.
You can click here to purchase the policy. Its a very simple and quick process. You are required to enter few details like name, mobile no, email id, answer few medical questions and post evaluating your proposal form, we will be issuing you policy.
Yes there is a tax exemption under section 80D.
Yes, you can buy floater policy.
The expiry of your policy will be mentioned in your policy document.
You would have received policy kit on your registered email ID. The details are present in the kit.
You can login to the customer portal and open your pending proposal.
Through all payment options - debit, credit, internet banking, certain wallets, UPI. All these can be accessed through our payment gateway.
No. You cannot pay the premium in instalments.
Medical test are not mandatory. Medical test can be asked on a case to case basis taking into consideration product, age and existing medical conditions.
The medical tests can be conducted at any designated diagnostic centres identified by Reliance Health Insurance. List of such centres is available during the medical booking process.
Yes, it can be booked online. You can login to the customer portal and view "Pending Proposals" section. Also, you would have received the link on your registered email ID.
100% cost of Pre Policy Health Check-up will be borne by Reliance Health Insurance Limited and reports of accepted cases will be shared with you.
We can reschedule the appointment.
Yes it can be rescheduled. You can raise the request to us via call / mail.
Yes, however, please note that all the medical tests might not be covered during home visit.
Diagnostic Centre person will call you 1-day prior with test instructions and documents needed for verification.
No, It cannot be used.
RHI will send you renewal notice before 2 months from the expiry date of the policy. In case you don’t receive the renewal notice, you can reach out to us at 022-33426868. It is a good practice to renew the policy within 15 days before expiry of the policy.
An endorsement is an amendment or addition to an insurance policy / proposal.
Intimate us via call / mail.
Submit the required documents, if required.
Post evaluating the request, you will have to pay additional amount if required.
You will receive endorsed document on your registered email ID.
Yes, you can port your policy. You need to inform us at least 45 days before, but not earlier than 60 days from the premium renewal date of his/her existing policy. Intimate us via call / mail. We will share the list of required documents & portability form with you. You need to courier the documents as per the list. Post receiving the documents, your case will be evaluated. Post evaluation, you will receive payment link. You need to make the payment. Post payment, you will receive the policy kit on your registered email ID. Portability approval is at the discretion of the company.
You can either call us at 022-33426868 or mail us at email@example.com.
You can login into website and check your complaint status. You will be also intimated on via email / SMS.
We will resolve your complaint within 48 hours. There are certain issues which may require additional time, in such case, we will resolve within 14 days.
The list of ombudsman is available on IRDAI website - http://www.policyholder.gov.in/Addresses_of_Ombudsmen.aspx.