Launch of Reliance Health Gain offering coverage of up to Rs 1 crore – Now only pay for the features you choose


Reliance General Insurance Company has launched a flexible and customizable health insurance policy – Reliance Health Gain. The policy offers buyers the flexibility to design their health insurance policy by choosing features according to their needs and paying only what they choose.

Reliance Health Gain offers three different plans – Plus, Power, and Prime – and an array of features to make it easy to customize the policy for each buyer.

The policy comes with 38 features such as Double Cover which provides twice the sum insured amount to be used on a single claim; Unlimited reinstatement to restore the basic insured amount as many times as it is exhausted during a policy year; Guaranteed cumulative bonus, which protects the loss of cumulative bonus after claim; or the benefit of reducing the waiting period for a pre-existing condition from 3 years to 2 or even 1 year.

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Be it an aspirant, the wealthy or the elite, this specially designed policy offers a wide range of sum assured options ranging from Rs 3 lakh to Rs 1 crore, creating appeal for all income groups.

Anyone between the ages of 18 and 65 has the option of choosing all features at any insured amount. Also, there is no age limit in this policy for sum insured up to Rs 3 lakhs.

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Thus, seniors, sometimes without a medical contract, can easily opt for Health Gain to protect themselves. Additionally, the policy offers a unique feature in which a client can cover a family of up to 12 people, including extended family members such as father-in-law/mother-in-law in the same family floating policy, allowing families spouses/Hindu undivided families (HUF) to opt for a floating policy that suits everyone in the family.

The policy further introduced unique discounts like rewarding healthy customers under 50 years old, i.e. without any pre-existing conditions, with a 15% premium discount for purchasing a long-term policy of 2 or 3 years. Promoting their support for young women, customers can also take advantage of a 5% discount for child girl insurance or if the applicant is a woman.

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Reliance’s health gain policy also comes with a zoned pricing model to ensure buyers pay premiums only based on the average medical cost of the town or city they live in.

The insurance plan is designed in a way that gives the customer the independence to choose what they want and pay only what they want, redefining a new way to buy health insurance in the country and the making it extremely profitable for the masses. The Reliance Health Gain policy can be purchased for a term of 1, 2 or 3 years.



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