181622228680000022

Trejhara
Mr. MOHIT GUPTA

C/O CHUNNILAL KADEL
21-3-152/2,GOLA GALLI,RAM MANDIR
TAGARI KA NAKA HUSAINI ALAM
ROAD,CHARMINAR,HYDERABAD,TELAN
GANA,500002
9395587850
Welcome on board.
Your Reliance Health Gain Policy is now live.
It's your turn to sit back and leave your
worries to us. We're excited to share a
host of special services that have been
unlocked just for you through Reliance
Selfi App:
Digitally signed by Reliance
General Insurance
Company Limited
Date: 2022.07.29 12:10:28
IST
Trejhara
RELIANCE HEALTH GAIN POLICY - POLICY SCHEDULE
POLICYHOLDER DETAILS
Policy Number : 181622228680000022 Proposal No : R29072223853
Policyholder Name : Mr. MOHIT GUPTA GSTIN/UIN of Policyholder :
Tax Invoice No. & Date : R29072223853 & 29/07/2022 Customer ID :
Correspondence Address & C/O CHUNNILAL KADEL
Place of Supply 21-3-152/2,GOLA GALLI,RAM
MANDIR TAGARI KA NAKA Policy Issuing Branch &
: : Corporate Group - Hyderabad
HUSAINI ALAM Date
ROAD,CHARMINAR,HYDERABA
D,TELANGANA,500002
Zone : B
Contact No : 9395587850 Email ID : [email protected]
Date of Birth : 28/03/1991 Business Type : Renewal
Gender : Male Issued At : Corporate Group - Hyderabad
INTERMEDIARY DETAILS
Intermediary Name : KADEL INSURANCE BROKERS VLE Name :
Intermediary Code : 18BRG027 VLE ID :
Intermediary Contact No : 9908981690 VLE Contact No :
POSP ID :
POLICY DETAILS
Cover Type : Floater Plan Opted : Plus
Base Sum Insured : 300000 Policy Tenure : 1 year
Previous Policy No 180422128280001499 Renewable Date 30/07/2023
Room Category* : Single Private air-conditioned room
Accidental Death 5% of Base Sum Insured subject to minimum of Rs 1 lakh (Is Applicable for Power and Prime plan)
Loyalty Cover For more details ,kindly refer renewal benefit section 5.3 loyalty cover
Co-Payment** 1: 20% on the assessed claim Amount , applicable on

• Single Individual (whose age at the time of entry into the Policy>=61 years)
• Both Parents claims (applicable on Floater Policy, where age of parent at time of entry into Policy>=61 years)
• All Insured Persons claim (applicable on Floater Policy, where Self or spouse age at the time of entry into the
Policy >=61 years)
2: Zone wise Co-Payment: For Policy issued under Zone B, 20% Zone wise Co-payment applicable, in case of claims
being administered from Delhi, New Delhi & NCR including Faridabad, Noida, Ghaziabad, Gurugram, Noida,
Gautam Buddha Nagar, Mumbai & Suburbs, MMR (Mumbai Metropolitan Region), Navi Mumbai & Suburbs, Thane
City & Suburbs, Mira Road, Bhayandar, Panvel, Kalyan & Dombivali, State of Gujarat, Kolkata & Suburbs
Policy Period Start Date & Policy Period End Date &
: 30/07/2022 At 00:01 Hrs : 29/07/2023 At 23:59 Hrs.
Time Time
Premium Payment
: None
Frequency
IRDAI Registration No. 103 Reliance General Insurance Company Limited An ISO 9001:2015 Certified Company
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.Western Express
Highway, Goregaon (E), Mumbai-400063. Corporate Identity No. U66603MH2000PLC128300. Trade logo displayed above belongs to
Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN. RELHLIP22229V032122. RGI/MCOM/CO/RHGP-PS/Ver. 1.0/240322
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* If optional cover, Change in Room Rent limit is opted then the selected Room Rent limit under this optional cover will be applicable on this Policy.
**Co-Payment (other than Zone wise Co-Payment) shall not be applicable, if optional cover-Removal of Co-Payment has been opted under the
Policy
DETAILS OF INSURED PERSON MEMBER 1 MEMBER 2 MEMBER 3 MEMBER 4

Name of the Insured Person: Mr. MOHIT GUPTA Miss. MANVI GUPTA
Gender : Male Female
Date of Birth 28/03/1991 07/12/2020
Relationship with Policyholder : Self Daughter
Nationality Indian Indian
Occupation : Salaried
Any Pre-existing Disease : No No
Pre-existing Disease – Name : NA NA
Pre-existing Disease – Since :
Insured with the Company, since 29/06/2020 03/07/2021
Base Sum Insured (Rs.) :
300000
(Floater Basis)
Base Sum Insured (Rs.) :
0 0
(Individual Basis)
Cumulative Bonus(Rs.) :
0
(Floater Basis)
Cumulative Bonus Sub-Limit(Rs.) :
0 0
(Floater CB Sub-Limit)
Cumulative Bonus(Rs.) :
0 0
(Individual Basis)
Insured Person covered under :
Health Insurance with any NA NA
Company, Since (If, yes)
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PREMIUM DETAILS AMOUNT Discount Details

Zone B ZoneBOptionalCover Discount
Base Premium 4718.4 Special Discount for Girl Child
Addon Premium (If any) 0.00
Loading (if any) 0
Discount (if any) 235.92
Total Premium excluding Taxes and Levies 4482.00
CGST (9.00%) 403.38
SGST (9.00%) 403.38
Total Premium including Taxes and Levies 5289.00
GSTIN :36AABCR6747B1ZH, HSN : 997133, Description of services : Accident and health insurance services
Consolidated Stamp duty Paid vide Letter of Authorisation No “LOA NO.CSD/411/2022/ (Validity Period from Dt. 21/07/2022 to Dt. 15/07/2023) /3178
DT.21 JUL 2022” at General Stamp Office, Mumbai.** Not Applicable for the State of Jammu & Kashmir.
*In case of claim being administered in Zone A where policy pricing charged by insurance company (as per declaration from proposer/insured) is as
per Zone B, then there will be 20% co-pay in each and every claims
NOMINEE DETAILS
Name of Nominee : MOHIT GUPTA Relationship with Policyholder : SELF
C/O CHUNNILAL KADEL
21-3-152/2,GOLA GALLI,RAM
MANDIR TAGARI KA NAKA
Date of Birth : 28/03/1991 Address of Nominee :
HUSAINI ALAM
ROAD,CHARMINAR,HYDERABAD,T
ELANGANA,500002
Contact No. / Mobile No. : Email ID :
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The coverage’s under Reliance HealthGain Policy are listed below:

Sr.
No. Covers Short Description Plus
Benefit-Hospitalization Cover:
1.1
Hospitalization Expenses: This benefit indemnifies the Insured for the Upto the Sum Insured Accommodation Bonus: Additional
• In Patient Treatment medical expenses on In-Patient Treatment or fixed daily amount of Rs 1000(Payable, only if applicable)
• Day Care Treatment Day Care Treatment including the expenses
• Accommodation Bonus incurred on AYUSH Treatment.
Accommodation Bonus shall be payable only
if Insured undergoes Hospitalization for In-
Patient Treatment and occupies the following
Room Categories
• For Plus and Power: Twin sharing Room or
below
•For Prime: Single Private AirConditioned
Room or below
1.2 Domestic Road Ambulance This benefit indemnifies the Insured Person
on availing Ambulance services offered by upto 1500 per hospitalization Intercity Ambulance
a Hospital or by an Ambulance service cost(beyond 100km): upto Rs 20000 per hospitalization)
provider.
1.3 Domiciliary Hospitalization This benefit pays reasonable and
customary charges for the medical
expenses incurred during Domiciliary
Hospitalization as defined under the Policy,
Within the Sum Insured
provided that the condition for which the
medical treatment is required continues for
at least three continuous and completed
days
1.4 Modern Treatment This benefit indemnifies for the medical
expenses incurred during the Policy Year on
Inpatient Treatment or Daycare Treatment upto 50% of Base Sum Insured
or Domiciliary Treatment of listed Modern
Treatment Methods
1.5 Pre Hospitalization Coverage for Pre-hospitalization upto 60 days, within the Sum Insured
1.6 Post Hospitalization Cover for Post-hospitalization upto 60 days, within the Sum Insured
1.7 Organ Donor Expenses This benefit indemnifies for the medical
expenses incurred during Hospitalization, in
Up to 50% of Base Sum Insured, subject to maximum of
respect of donor for any organ transplant
Rs 5 lakhs
Surgery conducted on Insured Person
during the Policy Year.
Benefit -Extra Cover
2.1 Reinstatement of Base Sum On subsequent claim one reinstatement up to 100% of Base Sum Insured for unrelated illness/injury,
Insured sub-limit of 20% of Base Sum Insured for related illness/injury.
2.2 Extra Sum Insured This benefit provides an additional 20% of Base Sum Insured on same claim, in single hospitalization
after exhaustion of Base Sum Insured under the Policy
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Sr. Covers Short Description Plus

No.
Benefit Personal Accident Cover
3.1 Accidental Death Cover This benefit provides Personal Accident

Death cover to the Insured Person, if during
the Policy Year, Insured Person sustains an Not Applicable
injury from an Accident which is the sole
and direct cause of his/her death.
Benefit - Critical Illness Cover
4.1 Waiver of Premium This benefit waives off the renewal Policy
premium for one year, in case of first
Diagnosis of any of the listed Critical Illness.
For long term policies, the Company shall
waive off one-year proportionate renewal
Not Applicable
Policy Premium. i. Cancer of specified
severity ii. Open chest Coronary Artery
Bypass Graft (CABG) iii. Stroke resulting in
permanent symptoms iv. Multiple Sclerosis
with persisting symptoms
Benefit -Renewal Benefits
5.1 Cumulative Bonus This renewal benefit increases the Base Sum Insured by 33.33% for every claim free Policy Year, subject
to a maximum of 100% of Base Sum Insured and decreases by 33.33 % of Base Sum Insured for every
claim year.
5.2 Call Option for Enhancement of After 4 continuous and consecutive claim free Policy years,if Policyholder avails this benefit then
Base Sum Insured enhanced Sum Insured will be sum of expiring Policy's Base Sum Insured and accumulated Cumulative
Bonus
5.3 Loyalty Cover At the end of each completed and continuous Policy Year, the Company shall provide Loyalty Cover to
the Policyholder(who is also an Insured Person) under the Policy.
Year-wise availability of Sum Insured for Loyalty Cover

Policy Year Accidental Leave
Death and Critical Hospital Compens
Permanent Total Illness Cash ation
Disability Benefit
Year 2 10% of Base Sum
Insured
Year 3 20% of Base Sum 10% of Base
Insured Sum Insured
Year 4 30% of Base Sum 20% of Base Daily Cash
Insured Sum Insured amount
(Plan wise)
of: Plus: Rs.
1000,
Power: Rs.
2000, Prime:
Rs. 3000
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Year 5 40% of Base Sum 30% of Base Daily Cash Rs. 1000
Insured Sum Insured amount per day
(Plan wise)
of: Plus: Rs.
1000,
Power: Rs.
2000, Prime:
Rs. 3000
Insured Sum Insured amount per day
(Plan wise)
of: Plus: Rs.
1000,
Power: Rs.
2000, Prime
: Rs. 3000
onward Insured Sum Insured amount per day
(Plan wise)
of: Plus: Rs.
1000,
Power: Rs.
2000, Prime
: Rs. 3000
Maximum 50% of Base Sum 50% of Base 30 days of 30 days
limit Insured or 25 Sum Insured payment of
lakhs, whichever or 25 lakhs, payment
is lower whichever is
lower
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Benefit-Value Added Covers:
6.1 Wellness Services This is a Service benefit in which Insured Person can seek Medical advice through telephonic or online
mode
6.2 Claim Service Guarantee Cashless Claim - 1% of Delayed Claim Amount( for delay beyond 6 hours to 12 hours ),additional 1% for
every additional delay of 6 business hours
Reimbursement Claim-1% of Delayed Claim Amount(for delay beyond 21 days to upto 42
days),additional 1% for every additional delay of 6 business hours
Maximum limit - 6% of Delayed Claim Amount
6.3 Policy Service Guarantee In the event of delay in the process of issuing
a Policy beyond 10 Working days from date
of receipt of all required and completed
documents, the Company shall provide a 10000
onetime additional amount.
This benefit is applicable only for the first
Policy Year.
Benefit -Optional Covers
Benefit -Enhanced covers
7.1 Guaranteed Cumulative Bonus This benefit is an extension to Benefit-Cumulative Bonus, which waives off the condition to decrease in
Cumulative Bonus in case of a claim in immediate previous Policy Year.
7.2 Unlimited Reinstatement of On subsequent claim, Unlimited reinstatement of Base Sum Insured on unrelated illness or injury,
Base Sum Insured sub-limit of 100%of Base Sum Insured for related illness/injury.
This benefit supersedes Benefit-Reinstatement of Base Sum Insured
7.3 Consumable Cover This benefit pays the Reasonable and Within Sum Insured
Customary expenses which are listed in
Annexure -A List I as Optional Items.
This benefit provides an additional 100% of
Base Sum Insured which can be utilized on
the same claim,after exhaustion of Base Sum Additional,100% of Base Sum Insured This benefit
7.8 Double Cover
Insured. supersedes Benefit no-3.2.2 Extra Sum Insured
This benefit supersedes Benefit-Extra Sum
Insured
This benefit gives an option to Policyholder

8.1 Change in Room Rent limits Category of Room capped to: Twin sharing
to change the allowable Room Category
Reduction in Pre-Existing
9.1 This benefit reduces the Pre-Existing Waiting Period to 24 months or 12 months
Waiting Period
The benefit gives an option to the
Voluntary Aggregate Policyholder to avail discount in premium by
10.1 No
Deductible opting Voluntary annual Aggregate
Deductible.
This benefit waives off the Co-Payment condition of 20% on the assessed claim amount, applicable on
11.1 Removal of Co-Payment Policies whereat the time of inception of the first Policy, the age of the Insured Person (or eldest Insured
Person in case of Family Floater Policy) is 61 years and above
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12.1 Hospital Cash i. In Patient Cash: This benefit pays equal to Daily Cash amount:No, max up to 30 days for In Patient
selected Daily Cash Amount, max up to 30 Hospitalization and 15 days for ICU Hospitalization
days, provided the Company has accepted
the claim under Benefit –In Patient
Treatment.
ii. ICU Cash: This benefit pays anadditional
100% of selected Daily Cash Amount, max
upto 15 days for ICU Hospitalization, provided
the Company has accepted the claim under
Benefit In Patient Treatment
Minimum Hospitalization of 72 hours is must
under this benefit.
Benefit -Convenience Cover
13.1 Change in Pre-Post

The benefit, enhances the Pre Hospitalization limit to 90 days and Post Hospitalization limit to 180 days
Hospitalization limit
13.2 Air Ambulance This benefit indemnifies the Insured for the 7.5% of Base Sum Insured or Rs 5 Lakhs whichever is
expenses incurred on availing Air higher
Ambulance services
13.3 Radio Taxi This benefit indemnifies the Insured on 1000 per Hospitalization
availing registered Radio cab operator
services
13.4 Convalescence Cover This benefit pays a lumpsum amount, if the
Insured Person is hospitalized for a
10000
minimum period of 7 continuous and
consecutive days
Benefit -Preventive Care Cover
14.1 Health Check up At the end of every Policy Year,this benefit

indemnifies towards the diagnostic or
preventive medical tests(listed in Policy 3000(Annual)
wordings) taken by the Insured Persons in
the Policy
14.2 Vaccination Cover At the end of every Policy Year,this benefit
indemnifies towards the expenses for the
2000(Annual)
vaccine (listed in Policy wordings) taken by
the Insured Persons in the Policy.
Benefit -Smart Cover
15.1 Change in Modern Treatment This benefit increases the Modern

100% of Base Sum Insured
limits Treatment limits under the Policy
15.2 Vision Correction This benefit indemnifies for the medical
expenses incurred for correction of eyesight
50000
due to refractive error on the written advice
of the Medical Practitioner.
15.3 Second Opinion This benefit indemnifies the Insured forthe
cost incurred on availing second medical
3000
opinion from a Medical Practitioner within
India.
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Benefit -Family Care Cover
16.1 Home Care Treatment This benefit indemnifies the Insured for the
medical expensesincurred towards Home
Care Treatment of any of the listed Within Sum Insured
(mentioned in Policy wordings) treatments
under the Policy
16.2 Companion Cover This benefit pays a fixed daily amount Per day Daily Cash:1000, max up to 30 days Minimum
towards expenses incurred by the Hospitalization of 72 hours
Companion towards accommodation,
transportation, food or any other
miscellaneous expenses.
16.3 Child Care Cover This benefit pays a fixed daily amount Per day Daily Cash:1000, max up to 30 days Minimum
towards childcare expenses for any one Hospitalization of 72 hours
dependent child covered under the Policy
upto 12 years of age.
NOTE
The maximum liability of the Company to pay the claims under this Policy is limited to Total Liability defined in the Policy Wordings. Please refer the
policy wordings for detailed information and understanding of the coverages.
CONDITIONS
Waiting Period
1. 36 Months Pre-Existing Disease waiting period (Code: Excl01 )
2. 24 months Specified disease/procedure waiting period (Code:Excl02)
3. 30 Days initial Waiting Period (Code:Excl03)
4. 15 days initial Waiting Period for treatment of Covid-19
EXCLUSIONS
Below are the Standard Exclusions
• Investigation & Evaluation (Code:Excl04)
• . Rest Cure, rehabilitation and respite care (Code:Excl05)
• Obesity/ Weight Control (Code:Excl06)
• Change-of-Gender treatments (Code:Excl07)
• Cosmetic or Plastic Surgery (Code: Excl08)
• Hazardous or Adventure sports(Code:Excl09)
• Breach of law (Code: Excl10)
• Excluded Providers (Code:Excl11)
• Substance Abuse and Alcohol (Code: Excl12)
• Wellness and Rejuvenation (Code:Excl13)
• Dietary Supplements & Substances (Code: Excl14)
• Refractive Error (Code: Excl15)
• Unproven Treatments-Code (Code: Excl16)
• Sterility and Infertility (Code: Excl17)
• Maternity Expenses (Code - Excl 18)
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In addition to above below mentioned are Specific Exclusions applicable to this Policy
• Treatment outside Discipline
• . Hearing Aids and spectacles
• External durable medical equipment
• Sleep Apnea
• External Congenital Anomaly
• Artificial Life support equipments
• Non-payable items
• Outpatient Treatment
• Overseas Treatment
• Self-injury
• Documentation charges
• Charges other than Reasonable & Customary Charges
• RMO charges and Service charge
• Nuclear Attack.
• War
Note: Please refer the Policy Wordings for complete description, exclusions, terms and conditions relating to the Covers listed above.
ENDORSEMENTS
Serial No: Particulars
CONTACT DETAILS FOR POLICY SERVICING CONTACT DETAILS FOR CLAIM SERVICING
Name: Reliance General Insurance Company Limited Name: Reliance General Insurance Company Limited
Correspondence Address: Reliance General Insurance. Correspondence Address: Reliance General Insurance.
Winway Building 2nd and 3rd Floor, 11/12 Block No - 4, No. 1-89/3/B/40 to 42/ks/301, 3rd floor, Krishe Block
Old No - 67, South Tukogani, Indore (M.P) - 452001 Krishe Sapphire, Madhapur, Hyderabad - 500081
Email ID : [email protected] Email ID : [email protected]
Contact No.: 022-4890 3009 (paid) Contact No.: 022-4890 3009 (paid)
Website: www.reliancegeneral.co.in Website: www.reliancegeneral.co.in
Toll Free No.: 1800 3009 Toll Free No.: 1800 3009
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PLEASE NOTE
• The Policy has been issued based on the information provided by the Proposer in the Proposal Form or medical test reports or through
Interactive Voice Response(IVR)/online web service or through any other oral or written form of communication which is the basis of evaluating
the Health status of the proposed Insured Persons as on Proposed date of Insurance.
*Please note that in the event of this information provided by the Proposer being found incorrect, the policy would become void and all the
benefits under the policy shall stand forfeited
• The Base Sum Insured has been enhanced under the Policy on the request of the Policyholder to exercise the Benefit-5.2 Call Option for
Enhancement of Base Sum Insured
• Subject otherwise to the terms and conditions of Policy Wording attached
• In case of any discrepancy, the Policyholder is requested to let us know immediately. You can write to us at [email protected] or
call us at 022-41112600 for necessary changes/rectification.
• Attached with the Policy Schedule are the Policy Terms and Conditions, Endorsements and Annexure. Please ensure that the Policyholder, has
received, read and understood all these documents. If the Policyholder has not received any of these, please email/write to the Company at
[email protected] or contact us at 022-41112600
Policy wording link: https://www.reliancegeneral.co.in/Insurance/About-Us/Downloads.aspx
• The Policy Schedule in original must be surrendered to the Company in case of cancellation of the Policy
• In the event of any incorrect representation, the liability shall be upon the Policyholder.
• The Benefits which are mentioned in this Schedule shall only be available under the Policy.
*Not applicable for the policies with disclosed Pre-existing diseases, illnesses/injuries which are agreed and accepted by the Company and the
same has been mentioned against pre-existing disease in the Policy Schedule
• In case of claim being administered in Zone A where policy pricing charged by insurance company (as per declaration from proposer/insured)
is as per Zone B, then there will be 20% co-pay in each and every claims.
GRIEVANCE CLAUSE
For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call at 1800 3009 or may write an
email at [email protected]. In case the insured is not satisfied with the response of the office, insured may contact the Nodal Grievance
Officer of the Company at [email protected]. In the event of unsatisfactory response from the Nodal Grievance Officer, insured may
email to Head Grievance Officer at [email protected]. In the event of unsatisfactory response from the Head Grievance Officer,
he/she may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance. Details of the offices of the Insurance
Ombudsman are available at IRDAI website www.irda.gov.in or on company website www.reliancegeneral.co.in or on www.gbic.co.in. The
insured may also contact the following office of the Insurance Ombudsman within whose territorial jurisdiction the branch or office of the Company is
located.
Details of the offices of the Insurance Ombudsman are
Office of the Insurance Ombudsman,6-2-46,1st floor,"Moin Court",Lane Opp. Saleem Function Palace,A. C. Guards,Lakdi-Ka-Pool,Hyderabad - 500
004. Tel.: 040 - 65504123 / 23312122 Fax: 040 - 23376599 Email: [email protected]
IRDAI / (IGMS/Call Centre):
Through IGMS, Insured can register the complaint online and track its status. For registration please visit IRDAI website www.irdai.gov.in.
Toll free number: 1800 4254 732
Timings: 8 AM to 8 PM -- (Monday to Saturday)
PLEASE NOTE
• This document shall be treated as a Tax Invoice as per Rule 46 of the Central Goods and Services Tax Rules 2017.
• . In the event of non-realization of premium, this policy document automatically stands cancelled from inception, irrespective of whether a
separate communication is sent or not
• In witness whereof, this policy has been signed at Corporate Group - Hyderabad on 30/07/2022
• In case you find any discrepancy in the policy, kindly contact us immediately
For Reliance General Insurance Co. Ltd.
Authorised Signatory
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This is to certify that Reliance General Insurance Company Limited has received an amount
of 5289.00 from Mr. MOHIT GUPTA towards payment of health insurance premium as per the details
mentioned above. The premium paid for this policy is eligible for applicable benefits under section
80D of the Income Tax Act, 1961 and amendments thereof.
Note : Any amount paid in cash towards the premium would not quality for tax benefits as mentioned above.
Name of the Policyholder : Mr. MOHIT GUPTA
Correspondence Address : C/O CHUNNILAL KADEL 21-3-152/2,GOLA GALLI,RAM MANDIR TAGARI KA

NAKA HUSAINI ALAM
ROAD,CHARMINAR,HYDERABAD,TELANGANA,500002
Policy Number : 181622228680000022
Policy Period : 30/07/2022 to 29/07/2023
Issue Date : 29/07/2022
Place : Corporate Group - Hyderabad
For Reliance General Insurance Co. Ltd.
Authorised Signatory
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RELIANCE HEALTH GAIN POLICY - CUSTOMER INFORMATION SHEET
(Description is illustrative and not Exhaustive)
SI Refer to Policy
TITLE DESCRIPTION
NO Clause Number
1 Product Name Reliance Health Gain Policy
2 What am I covered 3.1
Hospitalization Covers
for
a. Hospitalization Expenses - This benefit indemnifies the Insured Person for any 3.1.1
medical expenses incurred on In-Patient Treatment or Day Care Treatment including the
expenses incurred on AYUSH Treatment.
b.This benefit pays fixed daily amount of Rs 1000,if the Insured Person undergoes
Hospitalization for In-Patient Treatment and occupies the following Room Categories
Plan Plus & Power : Twin sharing Room or below
Plan Prime: Single Private Air Conditioned Room or below
b. Domestic Road Ambulance - This benefit indemnifies the Policyholder/ Insured 3.1.2
Person up to an amount of Rs. 1,500 , Rs. 3,000 or actual (as per Plan opted), per
Hospitalization on availing Ambulance services offered by a Hospital or by an
Ambulance service provider. The benefit is extended to provide Rs 20000 or actual (as
per plan opted) intercity transportation cost beyond 100 km.
c. Domiciliary Hospitalization - This cover pays reasonable and customary charges for 3.1.3
the medical expenses incurred during Domiciliary Hospitalization as defined under this
Policy, provided that the condition for which the medical treatment is required continues
for at least three continuous and completed days
d. Modern Treatment - Coverage up to 50% or 100% of Base S.I (as per Plan opted) 3.1.4
under this benefit for the medical expenses incurred during the Policy Year on Inpatient
Treatment or Daycare Treatment or Domiciliary Treatment of listed Modern Treatment
Methods
e. Pre and Post - Hospitalization - This cover indemnifies the Insured Person for 3.1.5
3.1.6
Pre-Hospitalization Expenses for a period of 60 days and Post Hospitalization Expenses
for a period of 60 or 90 days (as per Plan opted)
f. Organ Donor Expenses - This cover indemnifies the Policyholder/Insured Person up to 3.1.7
50% of Base Sum Insured subject to maximum of Rs. 5 Lakhs or 10 Lakhs (as per plan
opted), incurred during Hospitalization, in respect of donor for any organ transplant
Surgery conducted on Insured Person during the Policy Year
Extra Cover 3.2
g. Reinstatement of Base Sum Insured - On subsequent claim,one reinstatement up 3.2.1
to 100% of Base Sum Insured for unrelated illness/injury, sub-limit of 20% of Base Sum
Insured for related illness/injury
h. Extra Sum Insured - This benefit provides an additional 20% of Base Sum Insured 3.2.2
on same claim, in single hospitalization after exhaustion of Base Sum Insured under the
Policy
Personal Accident 3.3
i. Accidental Death Cover - This benefit provides Personal Accident Death cover of 5% 3.3.1
of Base Sum Insured subject to minimum of Rs 1 lakh to the Insured Person, if during
the Policy Year, Insured Person sustains an injury from an Accident which is the sole and
direct cause of his/her death.
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SI Refer to Policy
TITLE DESCRIPTION
NO Clause Number
This benefit shall be applicable for Plan-Power and Plan-Prime
Critical illness 3.4
j. Waiver of Premium- This benefit waives off the renewal Policy premium for one year, 3.4.1
in case of first Diagnosis of any of the listed(mentioned in Policy wordings)Critical Illness.
For long term policies, the Company shall waive off one-year proportionate renewal
Policy Premium.
This benefit is provided once in the lifetime of the Policyholder
This benefit shall be applicable for Plan-Power and Plan-Prime
Renewal Benefits 3.5
k. Cumulative Bonus- This renewal benefit increases the Base Sum Insured by 33.33% 3.5.1
for every claim free Policy Year, subject to a maximum of 100% of Base Sum Insured
and decreases by 33.33 % of Base Sum Insured for every claim year.
l. Call Option for Enhancement of Base Sum Insured - After 4 continuous and 3.5.2
consecutive claim free Policy Years, if Policyholder avails this benefit then enhanced Sum
Insured will be sum of expiring Policy's Base Sum Insured and accumulated Cumulative
Bonus
m. Loyalty Cover: At the end of each completed and continuous Policy Year, the 3.5.3
3.5.3.1
Company shall provide Loyalty Cover to the Policyholder (who is also an Insured Person)
3.5.3.2
under the Policy. 3.5.3.3
Policy Year-2: Accidental Death +Permanent Total Disability 3.5.3.4
Policy Year 3: Accidental Death +Permanent Total Disability+ Critical Illness 3.5.3.5
Policy Year 4: Accidental Death +Permanent Total Disability+ Critical Illness+ Hospital
Cash
Policy Year 5: Accidental Death +Permanent Total Disability+ Critical Illness+ Hospital
Cash+ Leave Compensation Benefit.
Value Added Services 3.6
n. Wellness Services-This is a service benefit in which Insured can seek Medical advice 3.6.1
through telephonic or online mode
o. Claim Service Guarantee –The Company is liable to pay the Insured Person for the 3.6.2 (i,ii)
delay in processing of claim for Benefit-Hospitalization Expenses in the following
manner:
i. Cashless Claims - 1% for every delay of 6 hours beyond 6 hours of receipt of all
information / documents
ii. Re-imbursement Claims - 1% for every delay of 21 days beyond 21 days of receipt of
all information/documents
Maximum liability is limited to 6% Delayed Claim Amount
p. Policy Service Guarantee - In the event of delay in the process of issuing a Policy 3.6.3
beyond 10 Working days from date of receipt of all required and completed
documents, the Company shall provide a one time additional amount of Sum Insured
of Rs. 10,000 or Rs. 20,000 (as per Plan opted)
Page 15 of 22
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Optional Covers 3.7

q. Enchanced Covers
i. Guaranteed Cumulative Bonus:This benefit is an extension to Benefit-Cumulative 3.7.1.1
Bonus, this benefit waives off the condition to reduce Cumulative Bonus in case of a
claim in immediate previous Policy Year
ii. Unlimited Reinstatement of Base Sum Insured: On subsequent claims, Unlimited 3.7.1.2
reinstatement of Base Sum Insured on unrelated illness or injury, sub-limit of 100%
of Base Sum Insured for related illness/injury
iii. Consumable Cover: This benefit pays the Reasonable and Customary expenses 3.7.1.3
which are listed in Annexure - A List I as Optional Items
r. Double Cover: This benefit provides an additional 100% of Base Sum Insured 3.7.2
which can be utilized on the same claim, after exhaustion of Base Sum Insured
This benefit supersedes Benefit-Extra Sum Insured
s. Change in Room rent Limit: This benefit gives an option to Policyholder to change 3.7.3
the allowable Room Category
t. Reduction in Pre-Existing Waiting Period: This benefit reduces the Pre-Existing 3.7.4
Waiting Period to 24 months or 12 months
u. Voluntary Aggregate Deductible: The benefit gives an option to the Policyholder 3.7.5
to avail discount in premium by choosing (10000,25000,50000,100000)as the
Voluntary annual Aggregate Deductible
v. Removal of Co-Payment: This benefit waives off the Co-Payment condition of 3.7.6
20% on the assessed claim amount, applicable on Policies where at the time of
inception of the first Policy, the age of the Insured Person (or eldest Insured Person
in case of Family Floater Policy) is 61 years and above
w. Hospital Cash:
i. In Patient Cash: This benefit pays equal to selected Daily Cash Amount, max up 3.7.7.1
to 30 days, provided the Company has accepted the claim under Benefit –In
Patient Treatment.
ii. ICU Cash: This benefit pays an additional 100% of selected Daily Cash Amount, 3.7.7.2
max up to 15 days for ICU Hospitalization, provided the Company has accepted
the claim under Benefit - In Patient Treatment
Minimum Hospitalization of 72 hours is must under this benefit
x. Convienience Cover 3.7.8
i. Change in Pre -Post Hospitalization limit: The benefit, enhances the Pre 3.7.8.1
3.7.8.2
Hospitalization limit to 90 days and Post Hospitalization limit to 180 days
ii. Air Ambulance: This benefit indemnifies up to 7.5% of Base Sum Insured or Rs. 5 3.7.8.3
Lakhs whichever is higher, for the expenses incurred on availing Air Ambulance
services
iii. Radio Taxi: This benefit indemnifies up to Rs. 1000 per Hospitalization on availing 3.7.8.4
registered Radio cab operator services
iv. Convalescence Cover: This benefit pays a lumpsum amount of Rs. 10000 or Rs. 3.7.9
3.7.9.1
25000 (as per Plan opted), if the Insured Person is hospitalized for a minimum
period of 7 continuous and consecutive days
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y. Preventive Care Cover

i. Health Checkup: At the end of every Policy Year, this benefit indemnifies up to Rs 3.7.9.2
3000 towards the diagnostic or preventive medical tests (listed in Policy wordings)
taken by the Insured Persons in the Policy
ii. Vaccination Cover: At the end of every Policy Year, this benefit indemnifies up to 3.7.10
3.7.10.1
Rs. 2000 or Rs. 3500 (as per Plan opted) towards the expenses for the vaccine
(listed in policy wordings) taken by the Insured Persons in the Policy
z. Smart Cover 3.7.10.2
i. Change in Modern Treatment limits: This benefit increases the Modern Treatment 3.7.10.3
limit from 50% of Base Sum Insured to 100% of Base Sum Insured
This benefit is applicable only for Plan- Plus and Plan- Power
ii. Vision Correction: This benefit indemnifies up to Rs. 50000 or Rs. 100000 (as per
plan opted) for the medical expenses incurred for correction of eyesight due to
refractive error on the written advice of the Medical Practitioner
iii. Second Opinion: This benefit indemnifies up to Rs. 3000 or Rs. 5000 (as per plan 3.7.11
opted) for availing second medical opinion from a Medical Practitioner within India
aa. Family Care Cover 3.7.11.1
i. Home Care Treatment: This benefit indemnifies the Insured for the medical 3.7.11.2
expenses incurred towards Home Care Treatment for any of the treatments (listed
in the Policy wordings) under the Policy
ii. Companion Cover: This benefit pays a fixed daily amount of Rs. 1000 towards
expenses incurred by the Companion towards accommodation, transportation,
food or any other miscellaneous expenses.
Minimum 72 hours of Hospitalization is must
iii. Child Care Cover: This benefit pays a fixed daily amount of Rs. 1000 towards child 3.7.11.3
care expenses for any one dependent child covered under the Policy up to 12 years
of age.
Minimum 72 hours of Hospitalization is must
What are the major 4
3 exclusion in the Following is a partial list of the policy exclusions. Please refer to the policy document for
policy the complete list of exclusions:
a. Investigation & Evaluation (Code:Excl04)
b. Rest Cure, rehabilitation and respite care (Code:Excl05)
c. Obesity/ Weight Control (Code:Excl06)
d. Change-of-Gender treatments (Code:Excl07)
e. Cosmetic or Plastic Surgery (Code: Excl08)
f. Hazardous or Adventure sports(Code:Excl09)
g. Breach of law (Code: Excl10)
h. Excluded Providers (Code:Excl11)
i. Substance Abuse and Alcohol (Code: Excl12)
j. Wellness and Rejuvenation (Code:Excl13)
k. Dietary Supplements & Substances (Code: Excl14)
l. Refractive Error (Code: Excl15)
m. Unproven Treatments-Code (Code: Excl16)
n. Sterility and Infertility (Code: Excl17)
o. Maternity Expenses (Code - Excl 18)
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Specific Exclusions
p. Treatment outside Discipline
q. Hearing Aids and spectacles
r. External durable medical equipment
s. Sleep Apnea
t. External Congenital Anomaly
u. Artificial Life support equipment’s
v. Non-payable items
w. Outpatient Treatment
x. Overseas Treatment
y. Self-injury
z. Documentation charges
aa. Charges other than Reasonable & Customary Charges
bb. RMO charges and Service charge
cc. Nuclear Attack
dd. War
4 Waiting Periods a. 36 months waiting period for Pre-Existing Disease (Code: Excl01) 4.1.1
24 months waiting period for Specified disease/procedure waiting period code 4.1.2
b.
(Code: Excl02)
c. 30 Days Waiting Period (Code: Excl03) 4.1.3
d. 15 days Waiting Period for treatment of Covid-19 4.2.1
Payment on indemnity basis for all covers except for Accommodation Bonus, Accidental
5 Payment Basis Death Cover, Loyalty Cover and Hospital Cash, Convalescence Cover, Companion Cover
and Child Care Cover which are on Benefit basis
6 Loss Sharing In case of a claim, this policy requires you to share the following costs:
Expenses exceeding the following Sub-Limits
a. Domestic Road Ambulance: Plan-Plus up to 1500 per hospitalization and Intercity 3.1.2
(beyond 100 km) ambulance cost: Rs 20000 per hospitalization Plan-Power: up to
3000 per hospitalization and Intercity (beyond 100km) ambulance cost: Rs 20000
per hospitalization Plan Prime: Actuals (even for intercity transportation beyond
100km)
b. Modern Treatment: Plan-Plus and Power: up to 50% of Base Sum Insured 3.1.4
c. Organ Donor Expenses: Plan-Plus and Plan-Power: Up to 50% of Sum Insured 3.1.7
subject to maximum of 5 lacs
Plan-Prime: Up to 50% of Sum Insured subject to maximum of 10 lacs
d. Air Ambulance: 7.5% of Base Sum Insured or Rs 5 Lakhs whichever is higher.
e. Radio Taxi: 1000 per Hospitalization
f. Health Checkup: 3000 3.7.8.2
g. Vaccination Cover: Plan - Plus & Power: 2000 and Plan - Prime: 3500 3.7.8.3
h. Vision Correction: Plan - Plus: 50000 and Plan - Power and Prime: 100000 3.7.9.1
i. Second Opinion: Plan- Plus: 3000 and Plan - Prime: 5000 3.7.9.2
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Co-Payment
20% co-payment on the Assessed Claim Amount if at the time of inception of the first 6.2
Policy with the Company, the age of the Insured Person (or eldest Insured Person in case
of Family Floater Policy) is 61 years and above.
Zone based Co-payment: 20% co-payment for claims administered from Zone A, if
policy was issued for Zone B.
The policy shall ordinarily be renewable except on grounds of fraud, moral hazard, 5.1.10
7 Renewal Condition misrepresentation by the insured person. Renewal shall not be denied on the ground
that the insured had made a claim or claims in the preceding policy years
8 Renewal Benefits a. Cumulative Bonus 3.5.1
b. Call Option for Enhancement of Base Sum Insured 3.5.2
c. Loyalty Cover 3.5.3
d. Waiver of Premium 3.4.1
e. Guaranteed Cumulative Bonus(if applicable) 3.7.1.1
The Policyholder may cancel this Policy by giving 15 days' written notice, and in such 5.1.7
9 Cancellation a. an event, the Company shall refund premium on short term rates for the unexpired
Policy Period as per the rates detailed in the policy terms and conditions.
The Company may cancel the policy at any time on grounds of misrepresentation,
b. nondisclosure of material facts, fraud by the Insured Person by giving 15 days'
written notice
a. For Cashless Service: Insured may refer Pre-Authorization form attached as 6.1.2 (i)
Annexure-C to the Policy Wordings and for updated Hospital Network details refer the
10 Claims link
https://www.reliancegeneral.co.in/Insurance/Self-Help/Cashless-Garages-and-Hospita
ls.aspx?network=Hospitals
b. For Reimbursement of Claim : For reimbursement of claims the insured person may 6.1.2 (ii)
submit the necessary documents to TPA/Company within the prescribed time limit as
specified here under
Sr
Type of Claim Prescribed Time limit
no.
1 Reimbursement of hospitalization, day care Within fifteen days from
and pre hospitalization expenses completion of hospitalization
2 Within fifteen days from
Reimbursement of post expenses post
completion of post
hospitalization treatment
hospitalization
For details on claim procedure please refer the policy document
Any issues related with respect to policy, kindly
E-mail us at [email protected]
and for correspondence contact us Reliance General Insurance Company Limited
11 Policy Servicing Correspondence Address –
Reliance General Insurance., Winway Building 2nd & 3rd Floor, 11/12 Block No-4, Old
no-67, South Tukoganj, Indore (M.P) - 452001
Contact No.- 022- 41112600
Page 19 of 22
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a. Details of Grievance redressal officer refer the link 5.1.17

Grievances/ (https://www.reliancegeneral.co.in/Insurance/About-Us/Grievance-Redressal.aspx
12 b.IRDAI Integrated Grievance Management System-https://igms.irda.gov.in/
Complaints
c. Insurance Ombudsman - The contact details of the Insurance Ombudsman offices
have been provided as Annexure-B of Policy document
13 Insured’s Rights a. Free Look period of 15 days from the date of receipt of the policy shall be 5.1.15
applicable at the inception
b. Lifelong renewability (except on certain specific grounds) 5.1.10
c. Right to migrate from one product to another product of the company 5.1.8
(E-mail us at [email protected] and For correspondence contact us
Reliance General Insurance,Winway Building 2nd & 3rd Floor,11/12 Block No-4,Old
no-67,South Tukoganj, Indore(M.P) -452001
Contact No.- 022-41112600
d. Right to port the from one company to another company (E-mail us at 5.1.9
rgicl.services@ relianceada.com and For correspondence contact us Reliance
General Insurance, Winway Building 2nd & 3rd Floor, 11/12 Block No-4, Old no-67,
South Tukoganj Indore (M.P) -452001
Contact No.- 022-41112600
e. Change in SI during the policy term or at the time of renewal E-mail us at 5.2.6
[email protected]
f. Norms on TAT for Pre-Auth and Settlement of reimbursement. 3.2.6
Sr
Type of Claim Prescribed Time limit
no.
1 Within six hours of receipt of
Pre-Authorization
necessary document
2 Reimbursement of hospitalization, Within twenty one days of date of
day care and expenses receipt of last necessary document.
Insured’s Please disclose all pre-existing disease/s or condition/s before buying a policy. 5.2.4
14
Obligations Non-disclosure may result in claim not being paid
Legal Disclaimer Note: The information must be read in conjunction with the product brochure and policy document. In case
of any conflict between the CIS and the policy document, the terms and conditions mentioned in the policy document shall
prevail.
Page 20 of 22
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Premium Illustration
Benefit Illustration in respect of policies offered on Individual and Family Floater basis
Coverage opted on
individual basis Coverage opted on individual basis
Age of the Coverage opted on family floater basis with
covering each covering multiple members of the family
members overall Sum insured (Only one sum insured is
member of the family under a single policy (Sum insured is
insured available for the entire family)
separately (at a single available for each member of the family)
point in time)
Premium or
Premium consolidate Premium
Sum Sum Floater
Premium Premium Discount, if after d premium after Sum
insured (Rs insured discount, if
(Rs.) (Rs.) any discount for all discount insured (Rs.)
.) (Rs.) any
(Rs.) members of (Rs.)
family (Rs.)
51 years 14,524 5 lakhs 14,524 13,072 5 lakhs
10% 25,691 0% 25,691 5 lakhs
Total Premium for all members of Total Premium for all members of the family is
Total Premium when policy is opted on floater
the family is Rs. 30,558 when each Rs. 27,502 when they are covered under a
basis is Rs. 25,691
member is covered separately. single policy.
Sum insured available for each Sum insured available for each family member Sum insured of Rs. 5 lakhs is available for the
individual is Rs. 5 lakhs is Rs. 5 lakhs entire family.
Note: Premium rates specified in the above illustration are standard premium rates for Zone A without any loading. Also, the
premium rates are exclusive of taxes applicable
Page 21 of 22
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POLICY NO : 181622228680000022 VALID UPTO: 29/07/2023 REG. MOBILE NO: 9395587850
Insured Name Date Of Birth UHID

Mr. MOHIT GUPTA 28/03/1991 28282200126043
Miss. MANVI GUPTA 07/12/2020 28282210149346
Please quote your UHID No. for assistance
This card is invalid if the policy is cancelled

Immediate intimation to RCare is a must in case of hospitalization
To avail cashless facility at our Network Hospitals, please carry
your Health Card & Photo ID proof at the Hospital Helpdesk
Updated list of Network Hospitals is available on
www.reliancegeneral.co.in
RCare Health:
Reliance General Insurance, No.1-89/3/B/40 to 42/ks/301, 3rd floor, Krishe Block, Krishe
Sapphire, Madhapur, Hyderabad - 500081.
IRDAI Reg. No. 103.

Reliance General Insurance Company Limited
Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi
Garden City, Off. Western Express Highway, Goregaon (E), Mumbai-400063. Trade Logo
displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by
Reliance General Insurance Company Limited under License.
Reliance Health Gain Policy. UIN: RELHLIP22229V032122
Page 22 of 22

181622228680000022

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Trejhara

Mr. MOHIT GUPTA

RELIANCE HEALTH GAIN POLICY - POLICY SCHEDULE

Co-Payment** 1: 20% on the assessed claim Amount , applicable on

DETAILS OF INSURED PERSON MEMBER 1 MEMBER 2 MEMBER 3 MEMBER 4

PREMIUM DETAILS AMOUNT Discount Details

The coverage’s under Reliance HealthGain Policy are listed below:

Benefit -Extra Cover

Sr. Covers Short Description Plus

Benefit Personal Accident Cover

3.1 Accidental Death Cover This benefit provides Personal Accident

Benefit -Renewal Benefits

Year-wise availability of Sum Insured for Loyalty Cover

Benefit-Value Added Covers:

Benefit -Optional Covers

Benefit -Enhanced covers

This benefit gives an option to Policyholder

Benefit -Convenience Cover

13.1 Change in Pre-Post

Benefit -Preventive Care Cover

14.1 Health Check up At the end of every Policy Year,this benefit

Benefit -Smart Cover

15.1 Change in Modern Treatment This benefit increases the Modern

Benefit -Family Care Cover

For Reliance General Insurance Co. Ltd.

80D of the Income Tax Act, 1961 and amendments thereof.

Name of the Policyholder : Mr. MOHIT GUPTA

Correspondence Address : C/O CHUNNILAL KADEL 21-3-152/2,GOLA GALLI,RAM MANDIR TAGARI KA

Policy Number : 181622228680000022

Policy Period : 30/07/2022 to 29/07/2023

Issue Date : 29/07/2022

Place : Corporate Group - Hyderabad

For Reliance General Insurance Co. Ltd.

RELIANCE HEALTH GAIN POLICY - CUSTOMER INFORMATION SHEET

(Description is illustrative and not Exhaustive)

Optional Covers 3.7

y. Preventive Care Cover

a. Details of Grievance redressal officer refer the link 5.1.17

POLICY NO : 181622228680000022 VALID UPTO: 29/07/2023 REG. MOBILE NO: 9395587850

Insured Name Date Of Birth UHID

Please quote your UHID No. for assistance

This card is invalid if the policy is cancelled

IRDAI Reg. No. 103.

Reliance Health Gain Policy. UIN: RELHLIP22229V032122

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