Reliance General Insurance - Healthwise

Purchase mode:  Online

Options available: Individual and Family Floater

Recommendation about Mediclaim: No

Premium: Premium charge is high for Individual level and average in case of family floater.

Product Features:



Entry age

Gold 18-55 Years

Silver 18-60 Years

Standard plan 18-65 Years


Till 75 Years

Policy tenure


Pre existing illness cover

Pre-existing disease can be covered after 2 yrs

Cashless Facility

To Network Hospitals

Sum Insured

Rs 2 lacs to 5 lacs

Family Combination

Independent and/or Spouse, Dependent Children

Hospitalization cover


Pre & post hospitalization medical expenses


Domiciliary treatment


Sub limits

No Sub Limits

What does this policy cover

  • Hospitalisation expenses such as room rent and boarding costs, operation theatre charges
  • Cost of medicines, blood, oxygen, surgical appliances etc
  • Doctor and surgeon’s fees and cost of medical tests
  • Pre-hospitalisation and post-hospitalisation costs
  • Emergency ambulance charges
  • Hospitalisation expenses of Donor in case of organ transplant
  • Day care treatments requiring less than 24 hr hospitalisation
  • On payment of additional amount Critical illness like Cancer, First Heart Attack, Paralysis, Kidney Failure etc can be covered
  • Depending on the plan chosen, recovery benefit, daily hospitalisation allowance, nursing allowance, expenses of accompanying persons are covered.


There are some exclusions in HealthWise Policy which are:
Waiting Period

  • Any illness diagnosed within 30 days of inception of policy is not covered, however accidental injuries will be covered
  • There is one year waiting period for certain diseases like cataract, hydrocele, congenital internal disease.
  • Treatment for HIV, genetic disorders and related diseases
  • Treatment for internal and external congenital diseases
  • Non allopathic treatments
  • Cosmetic treatments or plastic surgery
  • Abuse of intoxicant things like alcohol or drugs
  • Self inflicted injuries
  • Mental Disorders
  • Experimental treatment

There are few more exclusion’s which can be verified from the policy document.

Others features of the policy

  • No loading on the renewal premiums in case of a claim
  • No restriction on ICU Rent and Room Rent
  • No per illness limit
  • No Co-payment required
  • Family floater to cover all members
  • Cashless hospitalisation
  • On a higher plan, pre-existing disease can be covered after 2 yrs

Reliance HealthWise Policy benefits has different variants to suit everyone’s needs. The benefits along with premium does increment if you opt for more comprehensive coverage.

HealthWise Policy Standard: This is the basic plan that fulfills necessities like hospitalization expenses and domiciliary treatment.  HealthWise Standard Policy can be bought by anyone aged 3 months to 65 years.
The pre existing diseases are covered after continuous period of 4 years.

HealthWise Policy Silver: This policy is bit more comprehensive. It includes not only hospitalization expenses, domiciliary treatment but also donor expenses and nursing allowance. HealthWise Silver can be bought by anyone aged 3 months to 60 years.
The pre existing diseases are covered after continuous coverage of 2 years.

HealthWise Policy Gold: This policy is extensive in nature. It includes HealthWise Silver benefits and in addition daily hospital allowance, recovery benefit.
HealthWise Gold has also critical illness cover which provides additional amount equal to Sum Assured for treatment of following diseases: Cancer, Aorta Graft Surgery, Paralysis, Primary Pulmonary Arterial Hypertension, Coronary Artery Bypass Surgery, First Heart Attack, Kidney Failure, Multiple Sclerosis and Major Organ Transplant. The pre existing diseases are covered after continuous coverage of 2 years.

Illustration showing premium:

No. of Members (Individual)

Age Group


1  Adult



2 Adults + 2 Children



Fintotal Product Analysis is the ideal place to seek unbaised and neutral view on all financial products.

Do not get fooled by agents and distributors, just check here before you make any purchases.

Explore more in a easy manner.

Table of Contents

Table of Contents