Reliance Specially Abled Health Insurance Plan

A cover for those who are one in a million.

The Reliance Specially Abled health insurance plan caters to specially-abled individuals who need medical and financial support in an emergency. As per the report published by the Office of Chief Commissioner for Persons with Disability, almost 2.21% of the overall population in India, i.e., approximately 2.68 crore individuals are registered under the PWD category.

Based on The Rights of Persons with Disabilities Act of India, 2016 and The Mental Healthcare Act of India, 2017, the Reliance Specially Abled health policy caters to the most vulnerable sections of our society. The Reliance General Insurance Company Limited has curated this health insurance for Persons with Disability, those who are inflicted with HIV/AIDS, mental illness, etc.

This page has it all from the eligibility criteria, specifications, and exclusions of the plan, read further to know in detail.

Reliance Specially Abled Health Insurance Plan Specifications

To understand Reliance Specially Abled Health Insurance Plan Insurance in detail, take a look at the below table:

Entry Age

Child: 1 - 17 years, Adult: 18 - 65 years

Policy Type

Individual

Sum Insured

4 L | 5 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2, 3 years

*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.

Exclusions of Reliance Specially Abled Health Insurance

Permanent Exclusions

Permanent diseases or health conditions that are not included under Reliance Specially Abled Health Insurance are:

Investigation & Evaluation

Change of gender treatments

Sterility/infertility treatment

Rest cure, rehabilitation, respite care, etc

Obesity/weight control treatment

Cosmetic/beauty/plastic surgery

Adventurous sports/hazardous activities

Refractive error

Treatment/consequences due to alcoholism/drug abuse

Dietary supplements

Excluded providers

Dietary supplements

Breach of law

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Specified conditions: 2 years for specific diseases. A continuous coverage of 24 months is mandatory after the date of inception of the first policy.

Pre-existing conditions (PEDs): 24 months for pre-existing disability/ 48 months for all PEDs other than HIV/AIDS and Disability.

Specification of Reliance Specially Abled Health Policy

The Reliance Specially Abled health insurance covers several conditions for those who are physically unprivileged. You can read here the list of what's covered within the policy:

In-patient treatment
Room rent/nursing/boarding- 1% of the SI. ICU/ICCU- 2% of the SI is covered.
Pre-hospitalization
Covered for 30 days before hospitalization, available for AYUSH, modern and in-patient treatments. The only applicability is through reimbursement claims.
Post-hospitalization
Covered for 60 days after getting discharged from hospitalization, available for AYUSH Treatment, modern and in-patient treatments. The only applicability is through reimbursement claims.
Cataract
Covered on a sub-limit basis as per the opted sum insured upto a maximum of INR 40,000 per eye in a policy year.
Daycare procedures
All daycare procedures are covered as per the terms and conditions mentioned in the policy documents.
AYUSH treatment
The treatment expenses for in-patient treatment of alternative systems such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) are covered upto 50% of the sum insured.
Modern treatment
Based on the in-patient treatments and daycare procedures, modern treatments are covered upto 50% of the sum insured.
Ambulance
Ground ambulance facility is available up to a maximum of INR 2,000 per hospitalisation event.

Summing It Up

Amid all the rush in the health insurance sector, only a few health plans like Reliance Specially Abled insurance are designed to cater for the healthcare needs of physically challenged individuals. These special people deserve all the care and support, which Reliance's trusted name aims to provide to them via this much-needed Specially Abled health plan.

So, if you are someone who has come for the welfare of your specially-abled dear ones, we are here to help you through this. You can reach out to our experts at 1800 4200 269 by giving us your reason.

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

Top Up and Super Top Up

Reliance Super Top-Up Insurance Plan

A backup for your medical emergencies. Reliance Health Super Top-up insurance acts like a cherry on the cake. In case you feel your basic health insur...

Unique Features

Worldwide emergency cover
Maternity expenses
Air ambulance cover

Reliance Super Top-Up Insurance Plan (Pros)

Waiver of premium
Waiver of deductible
Worldwide emergency cover
Tax benefits

Reliance Super Top-Up Insurance Plan (Cons)

Investigation & evaluation
Rest cure/ rehabilitation and respite care
Obesity/ weight control unless life-threatening
Change-of-gender treatments

Reliance Super Top-Up Insurance Plan (Other Benefits)

5% Online discount
ICU charges
AYUSH treatment
Maternity cover

Reliance Super Top-Up Insurance Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1.3 Cr

Individual

Reliance Specially Abled Health Insurance Plan

A cover for those who are one in a million. The Reliance Specially Abled health insurance plan caters to specially-abled individuals who need medical ...

Unique Features

Insurance for PWDs
In-patient/daycare procedures cover
Modern treatment cover

Reliance Specially Abled Health Insurance Plan (Pros)

In-patient treatment
Pre and post-hospitalisation
Cataract covered
Daycare procedure

Reliance Specially Abled Health Insurance Plan (Cons)

Investigation and evaluation
Change of gender treatments
Sterility/infertility treatment
Cosmetic/beauty/plastic surgery

Reliance Specially Abled Health Insurance Plan (Other Benefits)

Modern treatment
AYUSH treatment
Ambulance charges

Reliance Specially Abled Health Insurance Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

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 uncer...

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

Specially Abled Health Insurance Plan: FAQs

1. Who can buy the Reliance Specially Abled health insurance?

Any individual who is legally certified as specially abled can buy the policy.

2. Are there any co-pay or sub-limit options applicable under the plan?

Yes, the copayment and sub-limits are applicable based on the opted sum insured.

3. What are the sum insured options available for this plan?

The available sum insured options under this policy are INR 4 Lakhs and 5 Lakhs.

4. How can I buy the Reliance Specially Abled health policy?

You can buy this specially abled policy from our official website PolicyX.com or visit the official website of Reliance General Insurance.

5. Where should I claim my Reliance Specially Abled policy?

You can claim your policy through the official website of Reliance General Insurance. You can also reach out to us at PolicyX.com for further help.

Reliance Specially Abled Health Insurance Plan

Reliance Specially Abled Health Insurance Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Exclusions of Reliance Specially Abled Health Insurance

Permanent Exclusions

Coverage after Waiting Period

Specification of Reliance Specially Abled Health Policy

In-patient treatment

Pre-hospitalization

Post-hospitalization

Cataract

Daycare procedures

AYUSH treatment

Modern treatment

Ambulance

Summing It Up

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)

Reliance Super Top-Up Insurance Plan (Pros)

Reliance Super Top-Up Insurance Plan (Cons)

Reliance Super Top-Up Insurance Plan (Other Benefits)

Reliance Super Top-Up Insurance Plan (Eligibility Criteria)

Reliance Specially Abled Health Insurance Plan (Pros)

Reliance Specially Abled Health Insurance Plan (Cons)

Reliance Specially Abled Health Insurance Plan (Other Benefits)

Reliance Specially Abled Health Insurance Plan (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)

Specially Abled Health Insurance Plan: FAQs

1. Who can buy the Reliance Specially Abled health insurance?

2. Are there any co-pay or sub-limit options applicable under the plan?

3. What are the sum insured options available for this plan?

4. How can I buy the Reliance Specially Abled health policy?

5. Where should I claim my Reliance Specially Abled policy?

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