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Jul 01, 2015

Reliance General - Group Mediclaim Insurance Policy


Fund Name:

Plan Group: Group Mediclaim Insurance Policy

Product Type: SEMS

Plan Objective: Health

Investment Objective

Reliance Group Mediclaim Insurance Policy gives you the support to run an efficient business set-up with low absenteeism.This policy ensures medical coverage for your employees and tax benefits for you.

Explore The Plan


Key Features:

Employees are your key business strength and their good health will reflect on the profitability of your business.

Reliance Group Mediclaim Insurance Policy gives you the support to run an efficient business set-up with low absenteeism.

This policy ensures medical coverage for your employees and tax benefits for you.



1.Lowers the employee turnover:
Offering benefits to your employees attracts and retains the best talent and helps your business grow.

2.Customised Coverage:
This policy can be customised to meet the needs of your organisation. With the optional covers offer it can be fine-tuned to be a perfect fit.

3.Family members Claim-Free Bonus:
We reward a favourable claim experience with discounts in renewal premiums.

4.Tax Advantage:
As an employer, you will enjoy tax benefits under section 36(1) of the Income Tax Act.

Reliance Mediclaim Insurance Policy offers you value-added benefits to give you extra cushioning and added cover.

You add a family floater clause to the policy to give him/her additional peace of mind

To get an instant cover, you have the option of adding on a 'day-one' cover for maternity, pre-existing illnesses and for children. This clause does away with the waiting period before the cover can commence

The corporate Buffer gives you legroom to offer extra insurance cover to needy employees. At the discretion of the management of the organization, the buffer sum insured can be extended to employees who have exhausted their sum insured



Reliance Mediclaim Insurance Policy will cover various hospitalisation expenses.

1.Hospitalisation Expenses -These include room charges and operation theatre charges, nursing expenses, fees of medical practitioner, anaesthetist and consultants.

2.Medicine, Consumables and Diagnostic Expenses - Cost of anaesthesia, blood, oxygen, surgical appliances, medicine and drugs, diagnostic material and X-rays, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs and organs.

3.Domiciliary Hospitalisation - The policy covers treatment for illnesses at home, subject to:

a.Adverse medical condition restricting the patient from being shifted to hospital
b.Lack of accommodation in any hospital/nursing home
4.Day Care Treatment - The policy will cover expenses incurred towards technologically advanced treatment that does not require hospitalisation for 24 hours or more.

5.Domiciliary Hospitalisation - We also provide cover for treatment administered at home, subject to specified conditions.

6.Pre- and Post-Hospitalisation - Reliance Mediclaim Insurance Policy covers medical expenses for a specified number of days.

General Exclusions

To ensure that you do not face any unpleasant surprises when you make a claim, we would like you to know some of the major exclusions under the policy.

This policy does not cover:
If the appropriate waiver is not opted for, then the policy will not cover
Treatment of pre-existing illnesses
Any treatment for illnesses/diseases within the first 30 days of the policy, unless due to an accident
Treatment of specified illnesses for the first year of the policy

Vaccination and inoculation

Cosmetic treatment

Cost of spectacles, contact lenses and hearing aids

Treatment for HIV/AIDS

Treatment for illnesses due to war and nuclear perils

Naturopathy treatment

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