Reliance Healthwise Policy Features and Benefits
If you are looking for a family health insurance policy from Reliance Health Insurance then Reliance Healthwise Policy is ideal for you, as it is said to be one of the cheapest family floater plan around. This is a pure family floater health insurance plan from them unlike their Reliance Life Care For You Plan which is a non-linked health insurance plan.
Just like any other family floater plan Reliance Health Wise Policy gets the optimum coverage for your entire family without needing to take individual coverage for each one of them separately. One policy will cover the entire health insurance need for all.
Benefits of Healthwise:
- Cover for the entire family
- Cashless benefit at member hospitals
- No restriction for room rent and ICU rent
- No Co-payment and no individual illness limit
- Income tax benefit
Features of Health Wise Policy:
With this family health insurance policy from Reliance, you will get additional features like nursing allowance, ambulance charges, pre-existing diseases coverage after 2/4 years of policy as well as other benefits like donor expenses being covered, etc.
Advantages:
- The family floater will ensure that you get the optimum coverage of policy for all members of the family
- The policy premium coverage starts from Rs. 3353 per annum for a coverage of 2 lakhs for couples. This is said to be one of the cheapest family floater plan in India among other plans like the ICICI Lombard Family Floater plan.
- No health check up for all up to the age of 45 and is available for the indivudals up to the age of 65.
- Pre and post hospitalization coverage for all family members.
- There is a renewal discount of 5% on the base premium for every claim free year.
Policy Coverage and exclusions:
- Reliance Healthwise plan covers hospital expenses which requires 24 hours hospitalization which includes room charges, doctor and nurse charges, tests, oxygen, blood, etc.
- Select daycare treatments does not require 24 hours hospitalization
- Donor expenses, pre and post hospitalization, and domiciliary hospitalization
- Exclusions include HIV/AIDS, naturopathy, pre-existing illness for 2/4 years, certain illnesses for the first year, alcohol related, war situation, etc.
Plans Available:
There are three plans available with the Reliance Healthwise policy namely Standard, Silver and Gold plan and there are certain exclusions and added benefits with each of these plans chosen.
The children from the age of 3 months and till 18 are covered in the family plan. There is also assured renewal of the policy till the age of 75 years. The premium varies according to the choice of plan and number of family members as well as choice of plans available.
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