5 Things You Must Consider When Buying A Health Insurance Plan

#3 Network of cashless hospitals and covering all costs

The insurance company must have the largest no of cashless network of hospitals. What does this mean? During the hospitalisation process, hospitals in the network offer a cashless option such that the hospital directly settles the medical bills with the insurance company. Go for insurers that have a higher number of network hospitals. At Reliance General Insurance we provide network of more than 8600 hospitals for cashless health insurance claims.

When you think of hospitalization you usually think of covering the basic hospital costs such as the everyday billing of the room, pathology tests, etc. These will be covered by any medical policy. But Reliance Health Gain offers special features like consumables, companion cover, single private room, etc. Your insurance should ideally cover everything from ambulance expenses to the medicinal costs that continue after the treatment.

#4 Easier claims settlement process and grievance ratio

Insurance is a service agreement and at the time of hospitalisation you would require a company which can come forward and serve your claims fastest and hassle free. The simpler the claims process and faster the settlement of the claims, the better it is for the insured. Watch out for good customer support.

Reliance General Insurance guarantees to serve cashless claims within six business hours and reimbursement claims within 21 days. They are with the lowest grievance ratio as per reports published by Regulator.

#5 Ensure your family is covered and choose the family floater plan

Indians love staying in joint families. We love to live with our parents, parents in law, brothers, and sisters who are not necessarily dependent on us. Older family members are always more susceptible to ailments. Ensure that your policy covers and protects all your family members. Consider and disclose their age, any prior illnesses, and all other medical histories before buying the policy.

Reliance General Insurance too understands the importance of a joint family and hence Reliance Health Gain offers a feature wherein you can cover up to 12 family members: extended family members like Father, Mother, father-in-law, and mother-in-law, in the same family floater policy.

Visit here for more information on other salient features of Reliance Health Gain.