Need to choose individual health insurance plans
It is important to remember that health is largely an individual matter and the amount varies from person to person and depends on the different stages and circumstances that we are in in life. For example, the risk of certain medical problems increases with age. Moreover, health is also largely determined by our lifestyle. These variables like age, lifestyle and standard of living affect our overall health needs and determine what our health insurance policies should cover. For any individual, an individual health insurance policy allows for more personal choice, freedom and flexibility. It enables individuals to make effective and efficient healthcare decisions that they can personalize as their lifestyles and preferences change. Thus, securing your health with a comprehensive health insurance plan is more important than ever.
To help individuals get more customized benefits on their health insurance policies, Reliance General Insurance Company has designed
Reliance Health Gain Insurance Plan– A comprehensive health insurance policy that offers benefits like cashless hospitalization, unlimited restoration of base sum assured, double cover, air ambulance, consumable cover, increased pre and post hospitalization expenses, and many add-on features Comes with a list of This policy comes with three different plans Plus, Power and Prime that an individual can choose from as per their needs.
Let’s take a look at what the policy covers:
Double cover on the same claim: The policy provides 100% of the base sum assured to the insured to be used on the same claim. This means that double cover is available on the same claim.
Unlimited Reinstatement of Aadhaar Sum Assured: With a health gain plan, the insurance buyer has to restore their Basic Sum Assured as many times as they lapse in a year on an unrelated illness/injury. In fact, with this cover, they can use up to 100% of the Basic Sum Assured even on the related illness/injury.
Hospital Cash and Consumables Cover: The policy provides daily cash for 30 days in case of general hospitalization of more than 72 hours. In case of ICU hospitalization, the policyholder will get 2 times the normal amount of hospitalization for 15 days in cash.
Guaranteed Cumulative Bonus: As an enhanced cover, the policy gives you an opportunity to retain your unused cumulative bonus even in case of a claim
Reduce waiting period for pre-existing disease: To consolidate the overall policy benefits, it also comes with a reduction of 3 years in the waiting period up to 1 year only for the expenses related to the treatment of pre-existing diseases.
Modern remedies up to almost 100%: Also gives option to policy holders
IExtend their coverage up to 100% of the sum insured for modern treatment methods.
Broad Sum Assured Option 3 Lakh to 1 Crore: The policy understands the needs of different categories of insurance buyers, and hence offers a wide sum insured option that starts from Rs 3 lakh and goes up to Rs 1 crore.
Choose Hospital Room Rentals: Making the policy as flexible as possible, it gives insurance buyers the option to increase or decrease their hospital room rent limit or even upgrade or downgrade their room category as they prefer.
Loyalty Benefit on Year-to-Year Renewal (Exceeding Sum Assured Limit): Reliance General Insurance offers perhaps the industry’s first loyalty benefit on this plan and hence at the time of renewal every year, it adds benefit to the cover in the policy of the insured at no extra cost. This varies with each year of renewal, regardless of claims.
Cover up to 12 family members in a single family floater policy: We understand the value of family and hence under the family floater unit of the plan, the insurance buyer gets the facility to cover up to 12 members in a single policy. It has three options-
1. Plus – Up to 2 adults (self + spouse) and 6 children
2. Strength – Maximum 4 adults (self + spouse + dependent parents or a set of parents-in-law) and 6 children
3. Head – Maximum 6 adults (self + spouse + dependent parental group + parental group) and 6 children
With all this and more, Reliance Health Gain Policy is one of the most comprehensive health insurance policies that an individual can opt for. However, as a health insurance seeker, one of the best ways to make the policy work for you is to check all your pre-existing medical conditions such as diagnosed diseases, medical history of illness/hospitalisation/ Declare surgery or major accidental injury and get all the necessary tests and tests done before purchasing the policy. It is also important to read up on the types of diseases defined by insurance companies as pre-existing conditions to avoid problems when it comes time to make a claim.
even if a purchase
health insurance policy May not sound like a financial investment at face value, it can go a long way in protecting you from unfortunate events that can lead to major monetary losses. Apart from this, health insurance also comes with the benefits of Section 80D, giving you the option to reduce your tax liability.
If you want to get individual benefits on your health insurance plan and enjoy financial freedom at every stage of your life, then RGI’s health benefit plan is for you.
click here To know more about the scheme.
Disclaimer: This article has been produced on behalf of RGI by the Spotlight team of Times Internet.