Insurance Company
Reliance General Insurance
Policy Name
Health Gain Plus
Expert Overview -
Reliance General Insurance has been operating since 2001 and brings over two decades of experience in general insurance. Its health insurance products are supported by a wide distribution network and consistent market presence.
Plan Strategy -
Basic health insurance policy suitable for budget-focused individuals/couples needing essentials with single private room and affordable ₹3–5 lakh cover
Network Hospitals
10,000+
>8,500 recommended
Claim Ratio
87.86%
>95% recommended
Complaints
4.397
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
Room rent capped
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
Sub limits on specified diseases
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
33% no claim bonus annually upto 100%
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
100% restoration once in a policy year for unrelated diseases
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
60 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
60 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables covered
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Enhanced Coverage
Key Add Ons Available
Reduction in PEDFor any illness: Pre existing disease waiting period is modified/reduced from 3 years to 2 or 1 year.
Enhanced CoverKeeps the unutilised bonus intact even if a claim has been made, offers unlimited restoration that will restore your cover in full every time a claim is settled for any illness along with extended coverage for generally excluded items like syringes, gloves, PPE kits etc
Double CoverGives an additional 100% of the sum insured for the same claim.
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
