1. Reliance Health Gain

2. Retail Health
In case of health products “Health Gain” is a very superior product which has 7 key benefits available and it comes at various sum insured to suit the needs of every segment of customers.
Key Features of Health Gain
Twice As Nice
Double Sum Insured in each Policy Period – Reinstatement of SI
Double Sum Insured in 4 years – Cumulative Benefit & Call option
Double Policy Periods – Insurance Renewal
Extended Family Cover
Protection of entire family along with Parents, Parent in law, Brothers, Sisters, Grand Parents, Grand Children, Daughter-in-law & Son-in-law.
Service Guarantee
Policy Service
Claim service

3. Retail Health Contd…. Renewal Guarantee Female Proposer @5% *
Life Long
No Claims Loading for Claims
Female *
Special discount on policy premium for Female proposer where she is a
Widow covering self/children
Individual covering self provided she is unmarried/widowed/divorced
Girl Child
Special discount on policy premium which covers a girl child under a floater.

4. Up to 10% of SI, subject to a maximum of Rs 50,000
What is Covered
Benefits
Hospitalization
Yes
In-Patient Treatment
Day Care Treatments
Pre-hospitalization
60 days
Post hospitalization
60 Days
Domestic Road Ambulance
upto 1500
Domiciliary Hospitalization
Up to 10% of SI, subject to a maximum of Rs 50,000

5. What is covered Plan Name Plan A Plan B Sum Insured - on annual basis
3Lacs, 6Lacs , 9Lacs
12Lacs, 15Lacs & 18Lacs
Entry Age – Minimum
Individual/Floater - 5 Years or above. Children between 91 days & upto 4 years can be covered under a floater with at least 1 member of age 21 years or above
Entry Age – Maximum
65 years. No entry age bar for SI 3Lacs
65 years
Exit Age
Life Long
Individual Option
Max 6 members under the same policy
Floater Option
Max 6 members under the same floater = 4(children) + 2 (members>= 21 years of age)
Max 6 members under the same floater = 4 (children )+ 2 (members>= 21 years of age)
Pre-policy Issuance Medical Check up
>= 46 years
>= 18 years

6. 1 Lac PA-Death cover for Policyholder-Insured
What is covered
Cumulative Bonus
Yes
Call option
Reinstatement of Base Sum Insured
Claim Service Guarantee
Policy Service Guarantee
SI of Rs 10000
SI of Rs 20000
Accidental Death Cover for No Claim Renewal No
1 Lac PA-Death cover for Policyholder-Insured
Insurance Renewal
One time Renewal premium waiver if the Policyholder-Insured suffers from named CI
Wellness

7. What is covered Benefit Covers Requirement Hospitalization expenses
Actual Medical expenses incurred in a Hospital
Min 24 hrs or Day Care, 10 bedded, DOA in Policy Period
Pre- Post
60 days before/after DOA
should be for same ailment
Domestic Road Ambulance
Actual Expenses
Emergency situation, Nearest Hospital
Donor Expenses
Surgery expenses of Donor
Pre/Post excluded , As per Human Organ Transplant Act
Domiclilary Costs
home
Insured cannot be moved to hospital for lack of accomodation
Wellness
Dr online & Health Portal
Our website Log in, Mobile no: & id
Cumulative Bonus
33.3% upto max 100% an same reduction
No claims
Reinstatement of Base SI
Equal to Base Sum Insured
sublimit 20% for same/related claim
Call option
Doubling Sum Insured
4 consecutive claim free years
Claim Servicing Guarantee
1% for every 6 hrs beyond 6 hrs 1% for every 21 days beyond 21 days
All documents & information
Policy Servicing guarantee
Delay in issuance > 10 days
All documents & medical report
Accidental Death Cover
Pays Rs 1 lac
Policyholder to be Insured
Insurance Renewal
Free- Automatic Renewal for 1 year -
Diagnosed with named CI

8. What is not covered First 30 days – Only accidental hospitalization
First 2 year –
Arthritis , Gout, Rheumatism & all vertebrae Disorders ,Spondylitis, Spondylosis, Spondylolisthesis & Intervertebral Disc Prolapse, Joint Replacement Surgery
Benign ear, nose and throat (ENT) Disorders and Surgeries, Tonsillectomy and Tympanoplasty, Sinusitis
Benign Prostatic Hypertrophy
Cataract
Dilatation and Curettage
Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, any abscess related to Anal region, Gastric and Duodenal Ulcers
Surgery of Genito urinary system unless necessitated by malignancy
All types of Hernia, Hydrocele
Hysterectomy for menorrhagia or fibromyoma or fibroids
Internal tumors, skin tumors, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant
Kidney Stone/ Ureteric Stone/ Lithotripsy / Gall Bladder Stone
Varicose veins and varicose ulcers

9. What rules should I know
Claim
Minimum 24 hrs hospitalization except for Day Care
Hospital should 10 bedded for 10 Lac population & 15 bed others
Single Private Room, pro rata in case of violation
RSD
Risk Start date for fresh proposal later of (Inward Date + 1 or Cheque date )
Risk Start date for renewals later of (Policy Expiry date + 1 or Inward Date + 1 or Cheque date ) subject to it being within 15 days of Policy Expiry date UW
Medical Test 1)under Plan A for age > =46 (Rs 825) & 2) Plan B for age >=18 (Rs 2800)
our centre with customer paying full amount . We will re-imburse 50% on acceptance
Each proposal will be tele-underwritten
If loaded for Pre-existing Disease then loading applicable life long
Call option is available upto age 60 years . Max SI ( after exercising call option) can be minimum of (4 times Base SI or Rs 50lac ). Once this is reached CB shall cease to apply
Proposal
Name , Age , Signature , id & Mobile No: of proposer are mandatory
Declaration of PED for each member
If we are taking individual cover then each member has to opt for same SI

10. Premium Collection-Process
EMI Authorization form to be collected from Insured
Original Cancelled Chq (From proposer)
First Installment through Cheque OR DD
ID proof ( of Proposer)
Proposal from (System generated)

11. Thank you