Reliance Health Personal Accident

Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child education benefit and providing family security. Accidents are unfortunate incidents creating financial and emotional stress on the insured individual along with their family. There are multiple advantages of investing in a good personal accident policy. Reliance Personal Accident Policy offers multiple risk factors such as:

100% compensation on death
100% compensation on loss of two limbs/two eyes or one limb and one eye
50% compensation on loss of one limb or one eye (PTD)
100% compensation on Permanent Total Disablement (PTD)
1% to 75% compensation on Permanent Partial Disablement (PPD)

Reliance General Insurance Personal Accident Policy is an individual plan that offers a sum insured ranging between 5 to 20 Lakhs. A 5% increase in Sum Insured with each claim-free year is also available to customers with Reliance general insurance personal accident policy. The plan also provides individuals with worldwide coverage.

Reliance Health Personal Accident Specifications

To understand Reliance Health Personal Accident Insurance in detail, take a look at the below table:

Entry Age

Minimum: 18 Years Dependent Children: 5 to 25 Years

Policy Type

Individual

Sum Insured

5 L | 10 L | 15 L | 20 L

Initial Waiting Period*

NA Days

Renewability

Annual

Policy Term

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Benefits of Reliance Health Personal Accident

Reliance Health Personal Accident Plan offers a multitude of benefits to its customers that are mentioned below:

Avail No Claim Bonus
The reliance personal accident policy offers its customers a 5% no-claim bonus for each completed claim-free year of insurance, subject to a maximum of 50% when a policyholder faces death or permanent total disablement.
Provide financial Security to Children
Reliance Personal Accident Policy understands the importance of protecting your family under all circumstances. Hence, this policy pays for the education fund of two dependent children in case of the death of the policyholder.
Reimbursement of Medical Expenses
Individuals can avail the benefit of reimbursement of actual medical expenses incurred following an accident up to 40% of the compensation paid or 20% of the CSI, under the policy whichever is lower. This benefit is available on payment of an extra premium of 20%.
Protection Against PTD (Permanent Total Disability)
Reliance Personal Accident Policy offers compensation of 100% against permanent total disability to the insured individual. PTD includes the loss of both eyes or physical separation of limbs which may lead to inability to work for the insured individual and may cause financial distress.
Family Protection
In addition to insuring their own life, policyholders can avail of a family cover as well with the benefits mentioned below:
- Spouse, if earning - Equal to Capital Sum Insured
- Spouse, if not earning - 50% of Capital Sum Insured or INR 1 lakh, whichever is lower
- Dependent Children - 25% of Capital Sum Insured or INR 50,000, whichever is lower

What Is Covered Under Reliance Personal?

The plan provides coverage to its customers for the following specifications mentioned below:

Coverage Terms	5 to 20 Lakhs
Accidental Death	100% of SI
Permanent Total Disability	50 % payment of the sum insured in the event of loss of one limb or one eye 100% of SI in the event of loss of two limbs/two eyes or one limb and one eye 100% of SI in case of Permanent Disability
Value-Added Benefits	Carriage of mortal remains - A lump sum of 2% of the capital sum insured or Rs.2500 whichever is less

What is Not Covered Under Reliance Personal Accident?

The plan has certain exclusions that are mentioned below in further detail:

Suicide or attempted suicide, intentional self-injury
Venereal disease, mental illness or sickness, psychiatric condition
War, an act of a foreign enemy, military or usurped acts
Any hospitalization not arising out of an injury
An insured person committing any breach of law with criminal intent

Claim Process of Reliance Personal Accident Policy

In case of Death

The following details are to be provided to the Company at the time of intimation of the Claim:

Policy Number
Name of the policyholder
Name of the Insured Person in whose relation the Claim is being lodged
Nature of accident/injury
Name and address of the attending Medical Practitioner and Hospital
Date of accident
Any other information as requested by the Company

Explore other Reliance Health Insurance

To cater to the different medical needs of an individual & their family, Reliance Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Reliance Health Insurance plans explore more:

Individual

Reliance Health Personal Accident

Reliance Health Personal Accident Policy covers individuals against accidental death and disability along with multiple other benefits like child edu...

Unique Features

Death Cover
Upto 20L SI
Disability Cover

Reliance Health Personal Accident (Pros)

Children education fund
Accident hospitalization reimbursement
Increase in CSI

Reliance Health Personal Accident (Cons)

HIV/AIDS
Breach of law
Maternity and newborn baby cover
Daycare procedures

Reliance Health Personal Accident (Other Benefits)

Accidental death cover
PTD/PPD/TTD covers
Cumulative bonus

Reliance Health Personal Accident (Eligibility Criteria)

Entry Age: Minimum: 18 Years
Dependent Children: 5 to 25 Years
Sum Insured: 5 - 20 Lakhs
Waiting period: Accidental death covered from day 1

Individual and Family Health Insurance

Reliance HealthWise Policy

Reliance HealthWise Insurance Policy is a comprehensive health insurance plan offering all-around medical care features and benefits. The plan comes i...

Unique Features

Customize Your Plan
Critical Illness Cover
Recovery Benefit

Reliance HealthWise Policy (Pros)

Daily Hospitalization Allowance
Domiciliary Hospitalization
Critical Illness Cover

Reliance HealthWise Policy (Cons)

Global coverage
OPD not available
AYUSH treatment not covered

Reliance HealthWise Policy (Other Benefits)

In-patient hospitalization
Daycare procedures
Modern treatment cover
Ambulance charges

Reliance HealthWise Policy (Eligibility Criteria)

Entry age: 18 - 65 Years
SI: 1 L - 5 L
Initial waiting period: 30 Days

Individual and Family Health Insurance

Health Gain Policy

Health Gain Insurance Plan is a newly launched health plan by Reliance Health Insurance company. The plan allows the customers to customise their poli...

Unique Features

Individual and Floater Options
Lifetime Renewability
Hassle-free Claim Process

Health Gain Policy (Pros)

Consumable Cover
Unlimited Base SI Reinstatement
Room Rent Modification

Health Gain Policy (Cons)

Global coverage unavailable
Breach of law
Intentional injury
OPD not covered

Health Gain Policy (Other Benefits)

Domiciliary hospitalization
Daycare procedures covered
Air ambulance services

Health Gain Policy (Eligibility Criteria)

Entry Age: 91 days to 65 Years
SI: 5 L to 1 Cr
Initial waiting period: 30 Days
Policy term: 1/2/3 Years

Individual and Family Health Insurance

Health Infinity Plan

Reliance Health Infinity is a comprehensive health insurance plan that comes with a number of benefits and discounts. The policy offers wide coverage ...

Unique Features

Pre-policy Medical Check-up
AYUSH Coverage
No Sub-limits

Health Infinity Plan (Pros)

In-patient hospitalisation
Daycare expenses
Domiciliary hospitalization
Organ donor expenses

Health Infinity Plan (Cons)

OPD cover unavailable
No global coverage
Adventure sports
Health check-up unavailable

Health Infinity Plan (Other Benefits)

Modern treatment
Organ donor cover
Co-payment option
Add-on covers applicable

Health Infinity Plan (Eligibility Criteria)

Entry Age 91 days to 65 Years
Policy Type Individual / Family Floater
SI: 3 L to 1 Cr
Initial waiting period: 30 Days

Individual and Family Health Insurance

Reliance Arogya Sanjeevani Plan

Reliance Arogya Sanjeevani's plan is affordable and efficient. In unprecedented times, covering you and your family is a necessity. Reliance Arogya Sa...

Unique Features

AYUSH Benefits
Inclusions and Exclusions
Quick Claim Process

Reliance Arogya Sanjeevani Plan (Pros)

In-patient hospitalization
Daycare treatments
AYUSH treatments
Ambulance charges

Reliance Arogya Sanjeevani Plan (Cons)

OPD cover
Domiciliary hospitalization
Daily Hospital Cash
Organ Donor

Reliance Arogya Sanjeevani Plan (Other Benefits)

Modern treatment
Vaccination
Cataract
Covid-19

Reliance Arogya Sanjeevani Plan (Eligibility Criteria)

Entry Age Minimum: 18 years
Entry Age Maximum: 65 Years
Policy Term 1 Year
Sum Insured: 50K to 10 Lakhs
Initial Waiting Period: 30 Days

Individual and Family Health Insurance

Corona Kavach Plan

To avoid the financial stress and burden during Covid treatment, Reliance Health Insurance offers the Corona Kavach Plan that takes care of your medic...

Unique Features

Covers COVID-19
Check the Eligibility
Coverage Details of the Plan

Corona Kavach Plan (Pros)

AYUSH treatment cover
Ambulance charges
COVID-19 treatment cover

Corona Kavach Plan (Cons)

OPD charges
Daycare procedures
Modern treatment
Organ donor treatment

Corona Kavach Plan (Other Benefits)

Home care treatment
In-patient hospitalization
Pre and post-hospitalization

Corona Kavach Plan (Eligibility Criteria)

Entry Age Child Age: 1 day to 25 yrs
Adult Age: 18 yrs to 65 yrs
SI- 50 K to 5 L
Waiting period - 15 days

Critical Illness Health Insurance

Reliance Critical Illness Insurance

Reliance Critical Illness insurance policy caters to life-threatening and lifestyle-disabling diseases, so you are worry-free. Reliance Critical Il...

Unique Features

10 Major Illnesses Covered
Choose Your SI
Avail Tax Benefits

Reliance Critical Illness Insurance (Pros)

COVID-19 cover
No-claim bonus
Cover for 10 critical illnesses

Reliance Critical Illness Insurance (Cons)

Hospitalization out of war
Congenital disease
Intentional self-injury
IVF treatment
Air ambulance

Reliance Critical Illness Insurance (Other Benefits)

Cancer of specified severity
Major organ/Bone marrow transplant
Multiple Sclerosis with persisting symptoms
Third degree burns
Aorta graft surgery

Reliance Critical Illness Insurance (Eligibility Criteria)

Minimum entry age: 18 years
Maximum entry age: 65 years
SI: 5 - 10 Lakhs
Waiting period:

Group Health Insurance

Reliance Group Mediclaim Policy

Reliance General Group Mediclaim Insurance covers your employee's health at an economical cost and lets you enjoy tax benefits too. Reliance General ...

Unique Features

Coverage for employees
3 variants available
Avail tax benefits

Reliance Group Mediclaim Policy (Pros)

Day care procedures
Regular health check-ups
Tax benefits

Reliance Group Mediclaim Policy (Cons)

Cosmetic treatment
Treatment of PEDs
HIV/AIDS treatment

Reliance Group Mediclaim Policy (Other Benefits)

Family floater clause
Extra insurance cover
Cover for all employees and their families

Reliance Group Mediclaim Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Policy type: Group medical policy
Initial waiting period: 30 days

Individual

Reliance Hospi-Care Policy

It’s not an emergency if you are always prepared! Reliance Hospi-Care health insurance policy helps you prepare for unforeseen accidents and the...

Unique Features

150+ surgeries cover
140+ daycare cover
Lumpsum cash benefits

Reliance Hospi-Care Policy (Pros)

150+ listed surgeries
140+ daycare procedures
Daily hospital cash

Reliance Hospi-Care Policy (Cons)

Treatment outside of India
Self-inflicted injury
Breach of law

Reliance Hospi-Care Policy (Other Benefits)

Hospitalisation due to Dengue/Malaria
Surgical Payout
Affordable Premiums

Reliance Hospi-Care Policy (Eligibility Criteria)

Entry age: 18 to 65 years
SI: 1 to 10 Lakhs
Initial waiting period: 90 days

Reliance Health Personal Accident Policy: FAQs

1. What are the risk classes mentioned under the Reliance Personal Accident Policy?

The plan has classified customers according to their profession in 3 risk categories namely Risk Class 1 - Person engaged in administrative, managerial, and similar functions like bankers, teachers, etc. Risk Class 2 - Builders, contractors, and engineers engaged in superintending functions only, paid drivers of light motor vehicles, cash-carrying employees, garage and motor mechanics, machine operators, and persons engaged in occupations of similar hazard. Risk Class 3 - Person engaged in hazardous occupations like working in underground mines, explosives, magazines, electrical installation with high tension supply and those engaged in occupations/activities of similar hazard.

2. What are the eligibility criteria for Reliance personal accident policy?

The minimum age of entry is 18 years for individuals and spouses. However, for dependent children, the plan eligibility is 5 - 25 years.

3. Is Reliance Personal Accident Policy eligible for tax benefits?

Yes, Reliance Personal Accident Policy is eligible for tax benefits as per the Income Tax Laws of India.

4. What are the exclusions of the Reliance Personal Accident Policy?

The various exclusions of the plan are mentioned below Suicide or attempted suicide, intentional self-injury Venereal disease, mental illness or sickness, psychiatric condition War, an act of a foreign enemy, military or usurped acts Any hospitalization not arising out of an injury An insured person committing any breach of law with criminal intent

5. Does Reliance Personal Accident Policy have worldwide coverage?

Yes, worldwide coverage is available to insured individuals under Reliance personal accident policy.

Reliance Health Personal Accident

Reliance Health Personal Accident Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Benefits of Reliance Health Personal Accident

What Is Covered Under Reliance Personal?

What is Not Covered Under Reliance Personal Accident?

Claim Process of Reliance Personal Accident Policy

Explore other Reliance Health Insurance

Reliance Health Personal Accident (Pros)

Reliance Health Personal Accident (Cons)

Reliance Health Personal Accident (Other Benefits)

Reliance Health Personal Accident (Eligibility Criteria)

Reliance HealthWise Policy (Pros)

Reliance HealthWise Policy (Cons)

Reliance HealthWise Policy (Other Benefits)

Reliance HealthWise Policy (Eligibility Criteria)

Health Gain Policy (Pros)

Health Gain Policy (Cons)

Health Gain Policy (Other Benefits)

Health Gain Policy (Eligibility Criteria)

Health Infinity Plan (Pros)

Health Infinity Plan (Cons)

Health Infinity Plan (Other Benefits)

Health Infinity Plan (Eligibility Criteria)

Reliance Arogya Sanjeevani Plan (Pros)

Reliance Arogya Sanjeevani Plan (Cons)

Reliance Arogya Sanjeevani Plan (Other Benefits)

Reliance Arogya Sanjeevani Plan (Eligibility Criteria)

Corona Kavach Plan (Pros)

Corona Kavach Plan (Cons)

Corona Kavach Plan (Other Benefits)

Corona Kavach Plan (Eligibility Criteria)

Reliance Critical Illness Insurance (Pros)

Reliance Critical Illness Insurance (Cons)

Reliance Critical Illness Insurance (Other Benefits)

Reliance Critical Illness Insurance (Eligibility Criteria)

Reliance Group Mediclaim Policy (Pros)

Reliance Group Mediclaim Policy (Cons)

Reliance Group Mediclaim Policy (Other Benefits)

Reliance Group Mediclaim Policy (Eligibility Criteria)

Reliance Hospi-Care Policy (Pros)

Reliance Hospi-Care Policy (Cons)

Reliance Hospi-Care Policy (Other Benefits)

Reliance Hospi-Care Policy (Eligibility Criteria)

Reliance Health Personal Accident Policy: FAQs

1. What are the risk classes mentioned under the Reliance Personal Accident Policy?

2. What are the eligibility criteria for Reliance personal accident policy?

3. Is Reliance Personal Accident Policy eligible for tax benefits?

4. What are the exclusions of the Reliance Personal Accident Policy?

5. Does Reliance Personal Accident Policy have worldwide coverage?

Explore Reliance Health Insurance

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Written By: Simran Kaur Vij

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